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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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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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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Being Worthy of Love

Taken from I like what he wrote earlier about – that every person is worthy of such love what he deserves. Ie we directly – the smiths themselves of their happiness. This is especially true of girls. After all, a man become stronger and more attractive – when near Sneem pretty girl, with whom he is in love. In zhenzhin the opposite. The woman then is beautiful and attractive …

and desirable to men when she very much loved. There is a view of women – a failure in terms of personal life. Practice Director and personal experience have shown that the true representative of this species occur in the age of 25 and older. Scientists are divided on their views: A woman who understands Understands all his problems. Which is usually does not understand his wife. Yes, and that he could not divorce his wife, she also understands. Sometimes understanding is delayed for many years.

The woman realizes that should not ask too many questions, but should on the contrary – not to create any problems. That is, be always ready. PCRM helps readers to explore varied viewpoints. Including time off from his job if he had suddenly appeared a "window" that is free from his wife, children and work. Low-paid work. Therefore, this type of woman give him a birthday good pants, jacket for his child, and powder to his wife. She realizes that he can not go with her to the sea. Understands that night, he should pay a visit to the terminally ill mother-in with a very sick wife and an offspring with the psychological problems.

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Rasul Hajiyev

" Maren lake Rain and fog did not stop us to pursue during the four days of extreme collective tourist ascent to the top of the Adda-Shuhgelmeer. Learning together with meteorological glaciers and the surrounding area. The harsh terrain. There is nothing to do pessimists. A huge cave high with a three-story house at the end of a giant ice cracking thickness up to 300 meters. In glaciers, like all living things, is the destruction (Dissimilation) and reduction (assimilation) of the organism. Rasul Hajiyev takes the broken measuring pegs. Factory standard pegs in the Soviet era brought the helicopter in large numbers, and now meteorologists themselves made them stick in the ice (like a thermometer in the armpit) to study the migration rate of the glaciers.

Along the way, Rasul says: 'The glaciers – this is the most valuable treasure for any country. They are very sensitive everything happening on the ground, below ground and in the atmosphere. Due to global warming each year the glacier length is reduced by almost one meter, and the growth of ice is slower. This is disturbing. The problem of fresh water can become a world-wide and even lead to international conflicts.

Mountain melt water is very healing, and Maren lake to drink, even fly "nyryalki" (black ducks). It is noticed that the water level in the lake over the years is reduced. By the way, meteorologists are no gallstones and kidney stones. Melt water cleanses and rejuvenates the body. " Southerners, "polar" They were waiting for the arrival of President of Dagestan Mukhu Aliyev, but the weather these days does not allow him to to fulfill his promise.

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