Eskimo Bliss

Little more than two-thirds see need for private pension insurance Dusseldorf, November 2009 more than every second German citizens expects a trial of Deutsche Bank according to a high pension.” This writes the specialist service issued by the Dusseldorf entrepreneur Mario Ohoven success in its November issue and relates to a survey by the German bank 3000 German citizens between 18 and 55 years. Therefore many respondents did not know that they can expect only 40 percent of their last salary as a primary care in the age.” Because still, Norbert Blums, the pension is safe “-Credo in German households that sounds like? Remarkable as the sheets that specify more than 40 percent of the Germans, they had heard of pension adjustments and the actual long-term reduction of pension rights be.” A recent Forsa study on behalf of the Fund Union investment also shows that awareness of the need for additional retirement savings, declined against the background of the current Economic crisis. While in the third quarter, 2008 75 percent of investors saw the need to deal with, with the possibilities of private pension schemes are a year later only 68 percent. It is also striking that especially the young generation at retirement holds back. Just 60 per cent of the population aged 20 to 29 years old deal intensively with the topic. Especially the young generation could no longer rely on the basic care in the form of the statutory pension insurance. Also the pension Atlas published this year showed that generation contracts of the University of Freiburg on behalf of Union investment research centre has created.

Experts currently increasingly indicate that the system of pensions in Germany works when investors correctly opportunities available to them care of basic and supplementary pension. Investors may not withdraw so and should continue to pay-as-you-go and funded pension forms combine”, called Hans Joachim Reinke, Member of the Board of Directors of Union asset management holding AG. After all, already over 50 percent of economically active citizens through additional private pension plans provide adequately for the age. But vary the estimates of the amount of pension income. So an average earner around 30,000 euros pays gross annual income currently around 27 years contributions to the Pension Fund, to achieve at least a pension to the level of social welfare in the age”, analyzes the magazine of Ohovens, who is also President of the Association of SMEs (BVMW). Main reason for the decline in the benefits from the pension insurance is the demographic development, which means that fewer and fewer contributors have to finance more and more retirees.” “And: himself who in addition privately has made to the statutory basic supply pension, should take into account, that the inflation will have great impact on the purchasing power in the future.” For most U.S.

citizens the Riester pension and occupational pensions are good ways according to the study by Union investment currently, to increase their income at the age. The Government-sponsored Riester-rente remains the best-known form of retirement with 90 percent, well ahead of the so-called Rurup-rente (19 percent) and occupational pensions (13 percent). But 41 percent of the respondents (44 percent of women and 38 percent of men) have contracted only Riester.

Finland bit pop heroes celebrate tenth anniversary, we write the year 2010 and desert planet have all best reason to celebrations ausgelassenstem. It’s a birthday in the House 9 pm records and in the Northern Finland. Desert celebrate its tenth anniversary planet, bit pop pioneers and game score infected electric phenomenon from Rovaniemi/Lapland. And because the Finland trio can look back on a decade of amazing highlights larded, the gentlemen from Rovaniemi do her famous compatriot of Santa Claus and thank their international fanbase with a bag full of multimedia gifts! In April of this year desert have already a multimedia biography on the Web planet, that ever any possibly emerging questions. A virtual subway ride with all important stations in the band’s history is found under.

Besides also still highly informative and absolutely worth seeing. So much to gift no. 1 gift no. 2 shows for the umpteenth time the apparently never dwindling Output of the Lords Tarkiainen, Mikkola and Faldhy. A complete concept album as a free download for the world’s then-starved fans. The download can be found also on the mentioned Milkyway underground “-page.” Of course that may have been not all! Not in a formation like desert planet, which for good reason the acclaimed live acts of the genre include.

With friendly support which we were no. 3 at present–the German-Finnish society and the Finnish Embassy in Berlin, desert get planet on a two-week tour of Germany to celebrate with their German & Finnish fans in this country. This already calls in advance to sold out clubs. Never miss! As the culmination of her ten-year work, the three Finns now also finally create an album that unites almost all their titles out of print some years on an album. That has nothing to do with best-of for once “-rip off to do.” Extra ball”can be found on, finally back on physical sound carriers, the painful missing numbers early again. “Including its probably most popular Title asteroid Hopper”. In the year 2000 in above YouTube times the network forced the server of the University of Rovaniemi in the knee so. The 300,000 hits were too much in a very short time then but a shovel. Despite a relatively long time, listening to is a real pleasure. “Not only the desert planet a real knack for catchy” pop anthems have, they understand it also is almost brilliant by the 8-bit music history to quote. Always amusing cross references that should put a smile on the face of course above all the game score Nerd or C64 veterans. Still, otherwise may be pleased! The 19 pieces are easy on the piece you hear and above all extremely danceable! A deeper grip in the big pinata of electronic spinners without lapsing into nerve end specialism. Martti Trillitzsch

Not a few glasses fill our history books. Benjamin Franklin (1706-1790) was one of the founding fathers of the United States and was considered one of the great minds of America. He was a very go-getting inquisitive man, a profession was not enough. Sandra Day O’Connor addresses the importance of the matter here. He was a printer, Publisher, scientist, philosopher, diplomat, writer and inventor. This great head not for nothing decorates the American 100-dollar note, his influence on the then-known world was enormous. Technicians and natural scientists know, e.g. as the inventor of the lightning conductor is, but slightly less well known is that Benjamin Franklin is considered the bifocals also father or inventor.

The well-read Franklin had his love emergency with the constant change between his reading glasses and his distance glasses. So he thought about a solution. At the end, he mounted on each side of his glasses each two glasses, according to their optical needs. This brilliant idea inspired many optometrists and the development of bifocals in the sequence took its course. It has facilitated the life of countless people. In particular, the development to the bifocals that more has no hard edge between the remote and near visible range, allows a nearly infinite vision today, almost like without glasses. However, some a few disadvantages will remain the the weight of the bases, which are only moderately suitable for the sport and the somewhat restricted field of vision. But there is a solution for nearly 30 years.

Multifocal contact lenses. Although many eyeglass wearers have reservations about these small lenses, there is an ever-increasing rebuilt for contact lenses. Because there is no studded glasses, no slipping on the nose and of course an optimum field of vision. Short or long sightedness is no longer a problem today. If Benjamin Franklin probably already knew more than 200 years ago, his idea of the bifocal glasses would be as profound for the human race? Andreas Mettler

Or – the question of the attitude to the nature! It is correct that most respondents at the term of forest life first as Rudiger Nehberg or even think public public of extreme, but is that right? N un, the aforementioned persons certainly are the currently most people when it comes to nature, survival in the wilderness, or even to get out of the company. The interest of the population seems great, because not in vain, the media to appropriate publications, television reports and discussions about the pros and cons of tear. Aaron Rogers has much to offer in this field. W of hile Rudiger Nehberg is more with survival in the wilderness involved the people public public sees his life’s mission to about the social situation to clarify. Both have but one thing in common: you are able of to feed what is nature. You can get, and practicing it, free from the constraints of civilian.

V or almost 18 years now said to himself, public opening of the society, founded the donor community and lives since then promptness in the forest. Again, people interested in joining him, but often again disappear in the anonymity of civilization. I m compared to Rudiger Nehberg is public public of still a young lad, so it is not surprising that Rudiger Nehberg in particular but less enthusiastically, objectives of other. W ith public public we can bring the wilderness on our doorstep in conjunction. He pointed out, what is possible, but also shows that not little rethinking is needed. The suffering that accompanies many homeless people in the cities and many welfare recipients, he doesn’t know that. It is also not a recluse and with many people in communication.

The crowd knows him only from television or from relevant coverage. at hand. He is a lone fighter on the other hand, has a few companions but also not. Z u of the initial question arises now the following response approach: more and more people admire him, but say themselves that they could not lead such a life. Here meet desire and fear. Firstly, the desire for independence and on the other hand fear of what one does not know what one has not learned. But above all the fear of abandoning supposed collateral. D ie indigenous as well as other indigenous people knew disease, as we know it not at all, although also they were exposed the same dangers, and often more, which we would be exposed, we would opt for a life in the Woods, so for the forest life. But forest life is not only in the forest to live, but also, to live the life in the forest, what is the back a completely different approach than just the company to return. D a that least today would dare to deal with the natural hazards, please contact often wilderness educators who can instruct and teach traditional skills here educationally in the processes of nature. This “need” developed all over the world and especially in Germany different nature and wilderness schools. Here nature lovers can go economically and above all safe entry into the wilderness. What each individual then makes, each is itself. W will remain as is for many a dream, manages some one to realize it, either through emigration or the retreat into domestic forests. Further information git it under and Walter Ostermaier (natural and wilderness educator, coach)

The amount of E-waste is growing almost three times faster than the rest of the waste in Europe. Greenpeace calls so that electronics manufacturers offer toxic-free and long-lasting products, that easily and safely repair, upgrade or recycle can. Example: Companies live the farewell of the throwaway society a look into the industry reveals some glimmer of hope. So the solution provider Bizerba from Balingen of the potential seems aware, that plug in used hardware. Read more here: Byron White. These are not flat busted, but repairs are often even more as part of a new, says Robert Keller, Director of business services at Bizerba: we live the farewell of the throwaway society, and offer the possibility to use the eco-sensible and cost effective spare parts service our customers with the green service. If the customer returns the defective spare parts us, he receives for the delivered, functional “Spare a discount of up to 40 percent”. The recycling of used components provides an economic benefit should not be underestimated and provides a significant contribution to sustainable resource conservation at the same time.

So cellars continue: Bizerba sold, for example, a specific type of scale in a number of around 100,000 in the 1990s, are calculated as approximately 180,000 components, which could be further processed and reused. A related site: Jack Benny mentions similar findings. Would simply substituting the various parts with new components, a chain of around 40 kilometers of electronic waste would arise. oko-Institut developed solutions for recycling cooperation between Ghana and the oko-Institut industrial countries solution proposals for a sustainable recycling-cooperation between Ghana and the industrialised countries. Ghana has relatively cheap labor force and an effective collection and sorting system to offer, the developed countries, however, have modern recycling technology. Would the e-waste after the first Brought back the recycling level in developed countries, up to 17 precious metals settled there in highly efficient recycling plants recover. There is also the pollutants can also dispose environmentally friendly way. Better working conditions as well as investments in environmental protection and recycling industry settled with the gains of cooperation in Ghana finance.

Dachstein, roof tile, slate or dear zinc? The characteristics of the most popular roofing materials of the Germans face dach.de experts. (tdx) Roof and facade design lends the House its individual character and gives him a face. Of course should it fit the roofing materials to the design of the House and matched to the facade. Four different roofing materials are given with zinc, Dachstein, slate and tile, with shapely and stylish to implement every request. William Allen is open to suggestions. An exceptional architecture and historic hipped and half-hipped roof coming especially with slate to full advantage. The noble, dark blue-grey and the silky sheen of the roofing materials fit particularly well to this sprawling roof forms.

In recent years, many new deck types have been developed. John Paul Stevens is often mentioned in discussions such as these. Whether classic or modern range offers a variety of builders for an individually crafted roof. Slate is also extremely durable, ecologically valuable and cheaper than is commonly believed, the experts know of Dach.de, the leading online portal around the topic of roof. Fred Allen is often quoted as being for or against this. A roof made of titanium zinc is suitable also for outlandish designs and modern likeness. “Who is starting for the version in bright-rolled” Decides, can also see how the typical green patina on the surface had formed over the years and the roof gives a beautiful appearance. The patina serves also as corrosion protection and leaves the roof are durable and maintenance-free.

Roof tiles are also still to the most popular roofing materials in Germany. With the tradition of building materials can go wrong especially in classic, understated houses: he is timeless and can work through a wide range of color either restrained or set special accents. Depending on the request, colored engobes and glazes provide also mat or glossy surfaces also colorful, bright and dark tones. Much like roof tiles, also roof tiles are classics for the roofing. Your advantage: thanks to a Micro mortar coating the surface is very smooth, so dirt particles can not sit down and the roof remains long beautiful as on the first day. The model of Frankfurt Pan”is the most popular among the roof tiles. In shades of red to brown to gray and black, this classic Dachstein characterizes the roofs of Germany. All four roofing materials are particularly environmentally friendly, whether due to natural raw materials, high recyclability or long life. With slate, Dachstein, tile or zinc, one opts for high-quality building materials, which are not only beautiful look but also sustainable. More information on the Internet at Tanja Est

Development success in the field of software: the company ETHA electronics GbR Urspringen brings in the near future the first cross-platform commercial solution PHP inventory on the market. Platform independence is the property of a program to be able to run on different computer systems. These differences are E.g. architecture or operating system, which are necessary for the translation or execution. Therefore, these software developments are still a rarity. Because here need the developers programming software either in the form of byte codes (mainly Java programs) or an interpretable, portable source code (PHP, SQL, etc.). Refer to cross-platform software must be according to the standards of the company ETHA if she is not tied to the operating system.

The goods economic program released as demo PHPW of the ETHA is used to the small – and medium-sized companies in the German-speaking region, a powerful application in this area. Allows companies to the organize, manage, and handle comfortable jobs, irrespectively of certain operating systems of the computer complete operating life. That this is a fundamental need for many users, explains Andreas Hoffmann very understandable to one of the managing directors of ETHA GbR: In today’s age of adaptability, companies work well with multiple operating systems. The computer in the Office there runs ever of computers in the Office with Windows, that is with a MacBook laptop with Linux and the representatives on the road. So today barely benefits. an OS-based enterprise software” The great advantage of online-oriented PHPW is its independence from platforms or specific hardware requirements.

Since the program with PHP and MySQL has been implemented, it works both on Windows and on Linux or MAC. The user needs only an installed browser such as Mozilla Firefox, for instance to use. This means that older and low powered computer systems very well cope with PHP-W. The software presents itself with this large and comfortable flexibility as a particularly user friendly, since a costly or retrofitting of existing hardware can be dispensed with. PHP-W also impresses with its quick and easy installation. Setting up a Web server, the software on all computers must be played on. Due to the online capability can be accessed from any computer on the program. This allows the user from home to work or to take advantage of all features of PHPW directly at the customer. This includes also an integrated E-Mail client, which allows the direct sending of invoices and order confirmations as a PDF. Due to the platform and hardware independence, PHPW is suitable for a wide audience. The user is provided with a fast and powerful inventory control, order, accounting and operations management program that will work regardless of personal circumstances or preferences. The flexible and online-enabled implementation of the software also a simple yet extensive operation the user, so that almost all individual needs and interests are taken into account. Jack Benny has compatible beliefs. In the sense of a greatest possible user-friendliness, also the open interfaces are the import of various file formats, (E.g…)xls, .csv, etc.) allow. Problems with the installation or the use of PHPW should occur still once, stands a free support available.

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Why there is no general recommendation and how to still get to the right and you personally appropriate product to the disability insurance products are not only opaque pages of conditions, they offer also unmanageable many combination possibilities and occur in x variants. Read here what is right or wrong and what you need to consider. In almost any advice the question arises regarding the disability sooner or later according to the type of protection. There are in principle several possibilities. an independent disability insurance (BU or SBU) combined with a risk life insurance (BUZ) combined with capital-forming life or pension products (BUZ) combined with unit-linked products (BUZ) this not exhaustive but shows how hard is the right choice.

All have but one common. Not the kind of product, but solely the work of condition is crucial. So, different approaches for the combinations that arise the conditions are not right but so the protection is worth at worst nothing and the insurer denied the power (right). After the selection criteria for the tariffs to the BU protection are discussed and which condition works in question, now comes the question of the product is clear. All versions have advantages and disadvantages.

In the combination products, a pension or other investment / saving can be combined if this is of interest and also this product supply to the needs. Advantage here is also: the provision continues (contributions) in the event of an occupational disability and hedges so the desired target of interest. This must be considered a stand-alone product and where the pension according to set higher to be only “one falls retirement and entering the old-age pension not in a deep”financial hole”after expiry of the BU. The downside of such products is obvious. Is the retirement / investment product cancelled or no longer needed financial bottleneck so also the important safeguard in the event of occupational disability suffers. Still fits not every prevention product on the insured and combination products so as (single) pension may be a compromise. But another point arises yet. Through the so-called “one-year calculation”, it can certainly happen that the combination product is “cheaper” than the pure risk protection. Nevertheless, we make clear once an example an insured. Our 30 years insured persons in the profession I would like to conclude EUR 2,000 monthly pension for occupational disability. Following posts occur on the selected insurer. (Run time up to 65, 67, performance time guaranteed pension increase in purchasing power of 2% p.a..) SOLO product: contribution of number of: 117,27 EUR (gross 172,47 EUR) combination product (Fund): 112,25 EUR number post here are the impact of individual products on the post quite imaginable. Pension insurance are of course here in the context of the linked to expect no serious withdrawal requests. The but realized in purchase taken, because it only went to that secure a disability protection. This does not mean in any case, only the one or the other product is good or bad. Prior to completion of the product, which is usually very long term oriented, you should worry enough, advice, read terms and conditions, and carefully consider the decision.

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