Month: July 2016

Disclosure Regarding Commissions

Disclosure regarding commissions only at banks and thrifts in a judgment of 6 December 2012 the Federal Court determines that his previous remarks and assumptions about disclosure of free investment intermediaries will endure. Problematic in the negotiated dispute, proved that the investment advice was a 100% subsidiary of Sparkasse. Check out Elio Moti Sonnenfeld for additional information. The question was, how to handle such a mediation. The plaintiff demands damages due to a faulty investment advice. The defendant is a 100% subsidiary of Sparkasse and as an investment agent. The logos and characters of the society can be found in brochures and leaflets. The plaintiff was an investment in a Fund. It was the subsidiary of Sparkasse distributor of the Fund in question.

According to their distribution agreement only facts and figures were allowed to be used advising that were authorized by the Fund. The plaintiff was a client of the investment intermediary since 1999. In the following time He participated in various investments. In December 2004, a conversation between a customer Adviser and the plaintiff took place, in which the said Fund was offered. Was informed that the investment brokerage business will receive a Commission. Here, the plaintiff assumed that would removed the provision from the premium to be paid by 5% of the drawing.

To do so, the plaintiff was however unwilling, rather it was agreed a one-half refund premium to the daughter of the plaintiff. Then, the applicant drew participation amounting to 100,000 euros. The mediation company conceded after a Commission of 7%. The question arises to the resolution of the facts of the case, to what extent is a duty of disclosure of the investment intermediary. First of all, an investment advisory agreement has been concluded. This is done regularly also implied if a consultation actually takes place in connection with the investment of a sum of money. The long-standing business relationship and the proposal in the Fund to invest, can be understood only as a consulting contract.

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Management AG

Real estate, popularly known also as concrete gold, represent one of the most attractive ways for centuries, to invest money. Magdeburg, 04.07.2013. TreeOf Life has compatible beliefs. Advantage one real estate investments are obvious: the assets is relatively safe and in addition to a possible increase in value is the chance to achieve an attractive return through a rental of real estate. In addition, real estate as an investment in many cases offer also tax advantages. While the entry into real estate investments not just for millionaires is interesting.

So are condos for investors with a smaller budget. When choosing the appropriate system you should ensure that they can be financed even if it should come to longer write-downs or costs for repairs and upgrades. This should also discard whatever an attractive yield. Monument guns represent particularly attractive investment properties real estate in this context. They offer better tax Depreciation allowances, which of course also the yield increases.

As a result, listed real estate are usually the first choice when it comes to a real estate investment. Listed real estate offer but not only advantages over objects without preservation. The grade II listed property from a yield standpoint is clearly superior to alternative approaches to the real estate market. So are the returns on investment usually well above those that can be achieved, for example, at a plant in an open-end real estate fund. Also subject to the income from the rental and leasing of listed real estate of income tax and are therefore not the final withholding tax. The cost of the financing or the depreciation amounts may be deducted from the generated rental income. In many cases the investment in listed real estate may therefore tax-free. The investment in a listed real estate brings not only tax benefits. Such Investments also contribute to the preservation of historical heritage and contribution to the maintenance of the cultural heritage one so much. Who would like to enjoy the benefits of bringing a capital investment in a listed property, should look at the Magdeburg company MCM: for years, the MCM investor Management AG invests in listed objects, above all in East Germany, thriving cities such as Dresden, Magdeburg and Leipzig. Investors receive for smaller budget”the possibility, visible on the real estate market to participate in. The necessary transparency and trust will be created with the additional support of MCM investor Management AG, which supports the entire Board of the real estate investments, investors.

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Lymphedema Years

Where are the doctors who chose this route of appeal. Choose not the profession of the doctor, because you want to help people? Each Berufsguppe has its good people and the less good people – to designate them not as bad. Recently, I had to go to a specialist practice, what happened to me there I just could not believe. Unfortunately I had the misfortune seemingly on a doctor to get, which was not first and foremost to my benefit, but for the welfare of her purse. Dr. Peter M. Wayne has compatible beliefs. “Thinking you seriously, that we doctors do what we are not paid?” and “What do you think, how so financed a practice?” I got these words in a few days by a specialist in Angiology and Phlebology to hear after I spoke to the lack of education of doctors about certain diseases, consequential damages etc.. Because this awareness is nowadays unfortunately much to be desired. Visit endocrinologist for more clarity on the issue. Especially in the investigation with her even came out, that I have no Lymphedema, as other doctors for years said, but a Lipedema.

This means that I have spent money for lymphatic drainage for free over 3 years, because it has used anything. I’ve been waiting over 3 months on this date and hoped new insightful information on how I can get my “disease” positive grip me from this doctor. But unfortunately I was disappointed. What bothered me most that the doctor in any way interested in my history – cancer, treatments etc, because Yes since this OP has 5 years ago changed my body and especially mean legs. She said it had nothing to do with the disease, but with the diet. It’s just funny that in the brochures, which gave them me, it says that the emergence of a Lipedema’s has nothing to do with the food.

Literally the following in there there: “Lipoedema are no fat caused by excess weight. Therefore they are not also by dieting to fight…”and “Lipoedema not caused by poor eating habits. Experts suspect hormonal causes…”Funny, because these statements contradict the statements of the doctor. Basically, could I have saved me this time and would prefer participated in my Department’s summer festival. It’s a pity that there is apparently only a few doctors who care for the patient, to help him and not sure how much the patient can earn them. Sure, doctors must also lives and want to make money, but I’ve heard from any doctor who gnaws at the “struggling”. I personally lost again the trust in doctors. So, I’m on the search for answers and useful information. What I but have learned in any case of this story, I ask me before extensively about so-called specialists, again to avoid something like me.

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PR Agency PR4YOU

International PR agency PR4YOU printsolution GmbH supports the ps since June with regard to the press, media and public relations and online PR. The Berlin-based PR agency PR4YOU has been responsible since June for the press, media and public relations and online PR ps printsolution GmbH. The ps printsolution GmbH is a Munich based company providing printing products and printing services. The company operating on the market for 5 years relieves its customers in every area of the print management through customized solutions. As a specialist in the field of brochures and catalogue production, the ps has established printsolution GmbH. “The ps printsolution GmbH operates a large overhead and can offer therefore personal advice and a very good value for money.” Also the ps produces printsolution GmbH to eco-friendly products which are available according to the standards of the FSC (Forest Stewardship Council). Current news are we now to our company with the help of the PR agency PR4YOU communicate.

We look forward to our cooperation”, explains Benedict Kamorudeen, founder and Managing Director of HP printsolution GmbH. Get all the facts and insights with James A. Levine, M.D., another great source of information. For more information about the HP printsolution GmbH as well as to the current services are on the Internet under or available. Details of the PR agency PR4YOU are online under available. Additional press materials of this press release: you can download quickly and easily another image and text material for free use in the online press compartment: press compartments/pr4you company description the Berlin-based communication and PR agency PR4YOU has maintained since 2001 companies, institutions and people from Germany, Austria and the Switzerland locally, regionally, nationally and internationally, with full service in the areas of public relations, media relations and public relations, Public Relations (PR), Online relations (online PR, search engine-PR – SEO-PR), social media relations, corporate communications, media consulting, media planning and advertising circuit in the media. More info on PR4YOU are the PR Agency on the Internet under available. Company contact: PR agency PR4YOU Holger Ballwanz Schonensche Strasse 43 13189 Berlin Tel: + 49 (0) 30 43 73 43 43 E-Mail: Web: PR contact: PR agency PR4YOU Holger Ballwanz Schonensche Strasse 43 13189 Berlin Tel: + 49 (0) 30 43 73 43 43 E-Mail: Web:

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Individual Cheatsheet

Here are some examples: financial portal: ideal for ideas around the topic of money industry solutions: sector-specific regional offers: regional financial portal companies: company offers (E.g. from a financial broker or a Bank) thematic Portal: special-interest exchanges (E.g. for specific securities) also on the technical side needs remain open. So you can integrate different multimedia elements in each display: integration of videos: as individual presentations in the own ad / profile can be embedded. Including classic YouTube videos can be integrated. Link to Flash animations: who is technically about the location, can incorporate within seconds individual animations through a simple user interface for every visitor to imagine, for example, a particular product.

Adding audio data: personal comments or conversation notes can be processed in the own ads with the addition of audio data. Individual Cheatsheet: a powerful user interface available that allows for a personal text formatting and design is available to every user. Integration of photos: up to 50 photos in different formats can be assigned to each display and adjustment by the operator. An integrated solution for integrating various social bookmark providers ensures the networking with other solutions. Educate yourself with thoughts from James A. Levine, M.D.. Here, the necessary parameters can be adapted at any time and changed. So, you can immediately integrate new provider. Current contents on request can be passed via a RSS feed function.

In addition to the actual ads also relevant dates on the system can be managed. Important events in the world of Finance within the community can be present. A Google map integration ensures the regional alignment of individual ads. The regional connection to different Web2. 0 systems is especially for the dating of great importance. Under most conditions Dr. John Mcdougall would agree. Used correctly, the individual display is experiencing an enormous regional distribution, which is not comparable with traditional media. The system developed under PHP relies on a MySQL database, and provides sufficient performance for larger solutions. The system operator has the option to offer the financial portal for visitors free of charge and to realize as the refinancing via advertising or to offer individual categories and services for a fee. The payment is then via the integrated payment module. Who would like to make in the run-up to a picture of the performance of the system, receives more information under finanzportal.html. A demo system is also available at.

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Personal Bankruptcy – Rising

Help if you are entered in the bankruptcy there are all kinds of reasons, as you can tap as a private person into a debt trap. Many consumers simply can’t resist tempting waiving. For even more details, read what Dr. Peter M. Wayne says on the issue. So, for example, flat screens, computers or cars on credit can be purchased. A purchase quickly joins the others, and the kitchen could also be redesigned, and at some point becomes clear, that you no longer manage timely to pay the rates. If occurs then more unemployment or an illness in the family, financial chaos is inevitable. At the end of the drama, the bankruptcy, also consumer insolvency proceedings is increasingly called. The personal bankruptcy referred to simplified proceedings, whereby the insolvency of a natural person can be handled. This, it should be achieved that the creditors all alike are satisfied and the debtor succeeds in gradually to rid themselves of the burden of debt.

In 2006, there were in Germany 94.389 opened procedures, 3 years later 130.698. Here, it is clear that the number of those who are affected by the bankruptcy, is rising. The bankruptcy order was replaced in 1999 by the insolvency law. Requirements for the personal bankruptcy respectively, that it goes after any self-employed economic activity is pursued. But former self-employed persons, which have less than 20 creditors and employees have to show no liabilities of professional employment, come for a personal bankruptcy in question.

It is important to point out that you can handle a bankruptcy on your own. Anyone who owes money, and as soon as possible would like to get rid of them, should sit down as soon as possible with a debt counselling agencies in contact. Only with professional help, you can get the best out of the difficult situation. It is hard very many people it to admit that they no longer make it alone out of a precarious situation to find out. But only if it itself admits to it, that you need help, you can create the evil out of the way.

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Good Looks Offers Advantage

Beauty a quick look is better than each letter of recommendation is enough, to find trustworthy, intelligent or likable gutausende fellow. The news portal news.de shows that attractive people have it really easier in life. Americans spend annually more money for losing weight than their Government for education. And obviously for good reason. We seem actually unconscious with a whole series of desirable characteristics such as health physical beauty to connect intelligence or integrity. A glance to find someone trustworthy, intelligent or likable.

Various social-psychological studies prove this. Alan Feingold, Professor of psychology at Yale University, has found in 35 different research a uniform image. In almost all areas, positive social skills such as balance and social skills are attributed to the beautiful people. Only at the point of modesty the beautiful cut worse: they are as vain and arrogant as misjudged the rest. Also in the assessment of their performance in school and work, beautiful people have an advantage. So, students evaluate their professors with been exterior according to Feingold study much more positive than less respectable counterparts. Beauty plays no small role also in court. Scientists at the University of Houston have 2235 analyzed judgments and determined that, at least for smaller offences, pretty accused get milder penalties.

The differing assessment of attractive and unattractive people leads to different behaviors towards them. Beautiful people we are to Nice to ugly, unfriendly. But no rational reason. In fact, we confirm our own prejudices. And the record of the ancient Greek poet Sappho: who is beautiful, is also good. More information: ../du-bist-schoen-dir-vertraue-ich/ news.de GmbH Lisa Neumann

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Bogdan Kellinger

Top rates offer, for example, twice the performance. Therefore you should look for when completing the appropriate accident insurance for children in addition to a relatively reasonable price especially on condition criteria such as an improved outlining tax. This is very crucial for how much must pay an insurer in the event of a claim. Same insurance sums on offer does not mean still long, that also the payout amount at an identical personal injury is the same.” Just at the child accident insurance can be more contract clauses of enormous importance, so that the children are fully protected. These include among others the co-insurance of insect bites – bite, the co-insurance of poisoning, rooming-in (i.e. the costs for accommodation of a parent as a companion of the child in the hospital), a higher proportion of involvement preexisting diseases, money in spaces or also a school compensation. More information to the Child accident insurance including value for money.

and condition criteria can be found on the website KIDS.young insurance.de. Contact: Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 E-Mail: contact person for the press: Bogdan Kalid image source: (c) Jaimie Duplass – fotolia.com the Bergische insurance brokers diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker founded company. With the Internet presence of young Insurance.de the company specializes specifically on the needs of private individuals and professionals, who would want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies. Bergische insurance broker has connections to more than 100 different insurance companies. For different professions, such as, for example, students, apprentices, entry-level or certain traders are special rates available. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since 1998 in the insurance industry are active customers via the Internet, by telephone and by post served – when preparing offers, as well as in the event of a claim. The strength of the Bergische insurance brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.

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Metabolic Balance

VITALIS Health Centre Munich offers the integrated programme metabolic balance fitness, whose Wirksamkeit was allocated to the results of the study in a scientific study is unique: overweight can most effectively reduce their weight with metabolic balance and in the long term. The scientists were surprised that the blood values of the participants have significantly improved. The VITALIS health centre in Pasing-Obermenzing has the programme on offer. Specialists for healthy weight loss can help all overweight people in Munich, to arrive in a sustainable way to better health and a better body and lifestyle. A program to remove shall be deemed effective if can be decreased the initial weight by at least 5 percent and kept the result of over a year. Over 30 percent of the test subjects in the study scored more than 10 percent of their initial weight even on the target, and lost more than double this norm! The test persons also indicated that even their personal, health-related quality of life has changed noticeably positive. The independent study on the effectiveness of the metabolism program of metabolic balance was conducted by the Hochrhein-Institut in cooperation with the Institute for quality management and social medicine of the University Medical Center Freiburg. The results have already been Journal of nutrition and metabolism in December 2010 in the prestigious journal”published.

Particularly positively improve blood levels in the test subjects noticed the scientists. Metabolic balance can be cholesterol levels reduced, what has a positive effect on the health of the cardiovascular system. Also the subjective well-being in the test persons has improved significantly as a result. Overall, 68 percent were satisfied after the study with their quality of life, at the beginning, there were only 38 percent. Also, at the beginning of the study, 27 per cent had suffered serious physical limitations.

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Overseas Posting: Legal Issues With Sending Executives Abroad

Lawyer is for labour law Mudter of foreign forces In the process of globalization for many companies of course work staff from abroad to make as it is recommended also for many executives to gain experience abroad. These employees are often referred to as expatriates. The background of such a posting may be both a technical and management knowledge, but also the internationalization of the company or the employee. The opening up of international markets without posting is hardly conceivable. The benefits of posting are evident on both sides. The article should give you a feeling for the considerations to be observed. The posting is a complex decision family, but also legally. Already in the run-up to a lot should be clarified. Go to Dr. John Mcdougall for more information.

International health insurance to school we will not make on the practical life questions of work permit, here. We will try to give you a feeling for the labour law and tax issues. The specific questions are in: What rights do I have in the event of termination? What right does at all? What happens after return? To what extent German tax law applies? Can still tax entitlements on me come to after returning? Everything goes smoothly, these only in parts questions. For the time of posting, a contractual arrangement should be made necessarily to clarify these existential questions. This is in the interest of employers and employees. This is of course not. Often only the posting is confirmed or a few emails going back and forth. A detailed contract is not the rule.

Many posting contracts have loopholes. An effective contract of posting is not the rule. Employment the posting is a hot iron”. Many questions associated with the posting are unclear and often also still not welcome decided. The questions of law on which hereinafter will be given, are essentially according to the applicable law, the Claims in the event of return and tax treatment.

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