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Stiftung Collective

Test results of the Rurup tariffs Stiftung Warentest the Rurup pension considered retirement and tax shelter in one. It was introduced especially for the self-employed, but also advisable workers can benefit from it. A Rurup pension test by independent shipping belly er magazines helps finding replaced the appropriate fare but definitely not a personal consultation. Rurup pension 12/2011 of the magazine were test in consumer magazines in the output total 62 classic offers and 24 unit-linked Rurup rates investigated. Stiftung Warentest could not make out a real winner in the unit-linked Rurup pensions.

5 Offers performed well with the classic variants. So Warentest tested Stiftung as basis for the test served a 40-year-old model customer, who paid an annual fee of 6,000 in the Rurup pension over 25 years. Special attention in this Rurup pension test was on the characteristics of the product, such as the cost of insurance during the accumulation phase, the value of the guaranteed Pension factor, the provider option, as well as the transparency of the insurance offer. Test winner of the classic Rurup pension insurance companies were in this test the best sellers for the classic Rurup pension elected: collective “BA3? by Debeka collective “E-R1B” of Europe collective “RB4F” from Hanoverian tariff “BRAGT24? Reviewed by Huk24 collective “BRA” by Huk-Coburg was also in terms of flexibility. Here, it must be mentioned that the Debeka received in the Rurup pension test 2011 only the note satisfactory and the Europe of the note sufficiently with the characteristic flexibility.

Read here more evaluation criteria and test results of individual insurers. Rurup pension disadvantages of strict legal regulations of the Rurup pension test could also not over it fool, having the Rurup pension with strong law to fight. For self-employed are the disadvantages of the Rurup pension on the hand: a termination is excluded, the Rurup pension will be paid out as an annuity and the borrowing and legacies are impossible. For whom is the Rurup pension? Even if at a Rurup pension test the disadvantages be made clear or not clear test winner is found, the Rurup pension for the self-employed, but also advisable workers makes sense. Who’d like to play it safe, is well advised to take an independent insurance agent at hand. On the subject of pension contributions over a period of time will be applied and should from the outset be adapted to your own needs.

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Helper Shall Be Liable Also In Volunteering

Stiftung Warentest tests cover of volunteer dedicated to Stiftung Warentest to test in the current issue of the journal 03/10 the insurance protection of volunteer leaders. Already a little carelessness can cause expensive damage contracts or events, what Board members and their deputies personally in the liability. test informed about risks of volunteering and gives tips for safeguarding. This refers to the insurance package of Association German VOLUNTEERING e.V.. To Hans Hachinger, Board German VOLUNTEERING e.V.: “we advise clubs over ten years of experience in tax, legal and technical issues. With our Association protection letter, we offer a complete protection against personal liability risks all authorities of the Association and in addition they receive a legally sound advice at any time through a lawyer or tax advisor.” Package solution guarantees complete insurance protection that idealism does not protect against legal consequences, is the Stiftung Warentest with examples and court rulings. Is expressly noted that Honorary Board members of a registered or non-registered association, the responsibility for the proper management and guide this club wear as full-time Board members are exposed to personal financial liability risks.

The new legal regulation since autumn 2009 exclusion of liability in negligence – attacks only under certain conditions. Are generally in practice difficult to separate slight and gross negligence. What is certain is that clubs need special insurance. In addition to the liability of a club, an asset liability insurance for purely financial damage, any event liability, or a service framework insurance is if not the actual purpose of the Association correspond to events such as an Easter fire when helpers are needed with your own car. It is easiest to access, for a club to the package solution of the German volunteer to have a complete insurance coverage in case of necessity. The German voluntary work Association cares for over ten years to the legal, tax and insurance technical protection of volunteers dedicated people. The membership provides the seal protection against liability risks ‘ and thus extensive protection against personal liability risks. The seal stands for the legal, fiscal, financial, and personal protection by club directors in relation to their volunteering. Members can be all clubs, associations, foundations and communities of interest and benefit from the many services including bylaws reviews, event and property damage liability insurance. Rosemarie Nohbauer

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Scientology Volunteer Clergy Put Relief Efforts In Haiti Continue

The next phase of assistance to Haiti is to help in the long run to rebuild the country since the January 12, 2010 clergy from 21 countries over 300,000 people have helped more than 300 volunteer Scientology. Including thousands of orphans. The support was in the form of accommodation, food, medical care, education and the processing of traumatic events. At the same time, disaster workers, refugees, teachers and students are trained and assistance contributed to the reconstruction work. Within a week after the catastrophic day Scientology chartered Church the first of a total of six flights.

369 medical specialists and responders were brought together with the Scientology Volunteer clergy to Haiti. In addition, there were 263,000 pounds food, medical and other supplies in the country. Locally, the clergy all distributed to refugees, charities, schools, hospitals and clinics. Because the medical infrastructure had collapsed, assisted the Volunteer Ministers in operations, helped bring babies into the world, organized medical transports and took care of many patients. For weeks, clerics at the General Hospital in Port-au-Prince, in the tent Hospital of the University of Miami and in makeshift hospitals and clinics around the city were Scientology.

A team supported a Haitian relief organization, to rebuild an orphanage which now takes care of 111 orphans. Other volunteer Ministers gave organizational and logistical support in refugee camp in Port-au-Prince and remote towns and helped to build eight camps to Haiti around, including one on the border with the Dominican Republic. You trained more than 281 Haitian teams of volunteers who had joined them, to provide assistance in the neighborhood and refugee camps throughout the region. The next phase of assistance to Haiti is to help rebuild the country in the long term. The Volunteer Ministers work Here closely with the locals together, build shelters and are helpful to get back working the water and sewage system. More information: press-service of the SK Bayern e.V., be Anichstrasse 12, 80802 Munich, contact: Uta Eilzer, TEL. 089-38607-145, FAX. 089-38607-109,

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Media Agency Peter Nickel Supports Flood Victims In Pakistan

The Bad Vilbel-based media agency Peter helped a great idea for the flood victims nickel with 30 employees in Pakistan. We got together a large sum together, so that each one of us has contributed his fee for the donation on behalf of the Agency”, says Peter nickel, Managing Director of the bath Vilbeler media agency. The media agency has exposed a basic amount for the donation and each of the 30 employees contributed individually a small proportion of his salary to the lion’s share. Peter nickel says: “our core business is a chance to give customers from medium-sized and smaller companies to be present in the television and radio media for little money. As reported on the emergency in Pakistan, we have had the idea in our team, there a chance to give people quality of life to get back a piece.” The need by the flood disaster in Pakistan is great: according to UNICEF, only nine million children suffer the consequences of the floods. And it be more every day. Nickel information about Peter’s media agency, see or or by phone: 0 61 01 / 55 99 00 or by email at info@m-pn.

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Is The Savings Account At All Yet Contemporary?

Savings book past and present! Still one of the favorite forms of investment in the German (almost 1 third still sit on it) is the savings book, but still worth a savings account? The elder”among us know the good old savings account as a solid, safe and also lucrative investment. Interest rates up to 6% pa. were in and for the children and grandchildren I can deposit here but comfortably regularly since the Scion is happy times.Now everyone should have discovered but that 6% do not so readily to achieve. Today, the interest rate is rather between 0.1% and up to 1.55% p.a. for savings. If then the current inflation of 1.9% against, this is more a negative business principle is the passbook credit to the Bank, for which I get interest.

Since the banks but also anticipate and plan need to, long term explained also, why a savings account is not very flexible. Who wants to face because all of a sudden the situation, having to pay back its loan overnight ?!? You won’t and the banks certainly not! The payouts are limited to maximum 2,000 per month and I want more, I have to quit. “Then you are waiting still 3 months money now again the question: this is still up to date??” Passbook – interesting alternative as first should be everyone in clear, how long he would like to create, how much risk he can cope with and the system to be as flexible! Funnily enough funds to savings accounts are more than 10 years. If it brings in so much time an investment guarantee fund but perhaps would be a real alternative. Little risk, the more interest as at the savings and flexibility it is also no risk you don’t have time like to and’s should also be flexible, then the trail leads to the day money account. Here I get of course not much more interest, but I can have a day my money, without any restrictions.

For gamers”there’s the equity funds high yield potential, very flexible, but of course, always the risk that sometimes what can go wrong. There are alternatives! There is now also a very interesting combination of return chance, little tax burden and high flexibility. Here there is pension insurance fund based on that but have an option on a one-off payment of the entire capital. The background is that a pension can make no negative, i.e. the total loss is excluded here. Because the whole thing is but fondsbasiert, I have the chance 6% pa here entirely depending on the chosen Fund. And the latest in this product is that up to 1,000 remaining capital with daily availability, withdraw his money can be. A true alternative! Although many still on the passbook hold, you see, there are better u0085

News

Sale

A negligible amount of money but around 200 or 300 dollars.! In short, the original vehicle price: 10,000 Price U $ S the vehicle on offer: 4000 U $ S Advance fees: U $ S 200 Scam topped with a gain of 200 U $ S and you are the victim of "Phishing" Car "The page also includes many other users" bidders "for the article. What users are usually false. The seller has a high number of sales and comments on their behalf. Thus we imagine that a person of trust. It was recently discovered what many scams that have been used this method had been used a number of software programs that sock puppets created within the auction system. They created five users and put on sale a "screensaver" or "wallpaper." After creating five other users who are engaged in buying those intangibles.

And so users were piling up selling a higher profile in the system. This is also untrue added to them, they appreciated the dealer by the speed of the sale and proper treatment. When the fake user accumulates a high level in the system, the perpetrators of scams use these accounts for real people scams. As we see, in most cases presented, always looking to catch fools, with very low prices, gift, incredible prices, which are irresistible to those around the world seeking to purchase services and products a bargain, bargain. A year in northern Iraq offered a bargain education systems, to documents obtained even in 24 hrs., Which ended with the plight of hundreds of customers who bought titles and finished expelled by their institutions. Many of them were members of the national police, who were duped with false certifications.

The same goes for appliances cheapie, gift prices after three months of use spoil. Motorcycle precious sandbox, with no spares. It also happens with computers, software, printers, etc. For these reasons, I think I can advise you not to seek the cheapest, because end up costing you dearly. It is better to pay a little more, for something of quality, which pay less take anything home to the office, at the mouth, with disastrous consequences as detailed above. Smile and be happy, but do not look so cheap, pay for a product or service the cost, because get what you pay.

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Top Rated Events For Children And Adults !

Draw Bright Holidays for children and adults: Birthdays, proms, birthdays, New Year! The company of professional actors of St. Petersburg, able to create holiday of every second. 1. Familiarity with the clowns: We acquainted with each child. For us it is very important because we are all called by name and relationship with us all individually. Of course, the greatest attention to the birthday. But we do not forget about the other guests, because holiday – at any and birthday and New Year, and in the Name, and at the graduation ball – should be good to all! 2.

Games: We offer the original game program for children and adults: Playing with balloons, a game of circus, magic tricks Games to builders with paper cups. Drinking contests, outdoor games, exclusive games, relay races (if there is space), Enigma. Playing with paper, search for gifts. Games by teams of twos and threes, and more! Many other funny and fun games, matched according to age of children, 3. Congratulations Birthday Bizarre magic tricks, take-out cake, congratulations on the children, greeting song and dance. All of this with music, fun communication with children and adults.

4.Podarki and Prizes: At the end of the holiday we give children different toys related of colored balls! Dogs, cats, mice, swords, helmets, guns, flowers – anything! 5. Duration: Typically, the program is designed for 1 hour, at your request as much as possible, 2, 3 hours. Work one or two Artist. For the youngest children – from 2 to 4 years – Mouse and Cat. (Games, magic tricks and gifts) to children from 4 to 10 years – Clown Program (Sleight, game and congratulations) for children aged 6 to 14 years – Pirate program (Dedication to the pirates, treasure hunts, contests) The most bright and cheerful children’s and adult holidays! We offer you a first class clown of the program Baskin-Kolbaskina! Call us, and your holiday will be unforgettable and exciting! We can do everything!

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Sell Handbags And Purses

A course in the College of design that will help me to sell bags and purses have been issued for me. I’ve learned a lot of techniques to design the most beautiful models and a superb range, it accompanied with my ease of drawing and creativity, because I believe that you the margins will be good, but now my question is, where do go them to sell?. So how have taught me to design them, have taught him to all my colleagues and neighbors on the block, practically all designed handbags and only my parents and other family members and neighboring of the side I have bought. But how is not my job to pay me, I I undertook a search online and I have encountered electronic commerce, I’ve found a free classifieds site where I can sell in Venezuela, this will expand any expectation and even if there is competition, because my audience is in my country, because millions of buyers entering journal at that site. Make sales today, is a task that goes according to our capacity to undertake and also create new opportunities, I have to carry my bags and purses to other countries with other options that offer me free classified ads, in each portal Classifieds, there is space for each country, is just in our hands lifted the foundations.

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Creative Economy Seminar

Debate Round Creative Economy Seminar (Photo courtesy Sao Paulo Fashion Week) More details Debate Round led by Gra a Cabral in the second stage of the Creative Economy Seminar: Visions of the Future, organized by the In-MOD Sao Paulo Fashion Week Magazine Valor Economico. The round was launched by Fernando Reinach, founder of the Brazilian Genome Project and director of Votorantim Ventures, venture capital fund of the largest Brazilian industrial conglomerate (involved in the areas of telecommunications, electronic commerce and biotechnology), who raised two issues that it considers its own Creative Economy: venture capital and ownership of ideas. “The notion of risk capital is not big news,” said Reinach. Does this example The Spanish crown who risked capital to fund “pay dirt”, the route to India … of 10 ships that sailed from Spain, 7 were lost and 3 achieved things such as discovering a new continent, said to illustrate that if Reinarch While 70 of initiatives fail, the few well have occurred represent a movement for humanity. So what is the ROI : HUGE. Ownership of ideas. For Reinach, the real novelty is the idea. And with this premise put IP as the first focus of the debate. His presentation pointed out that until the Industrial Revolution had not raised the division between idea and realization, a notion that up thanks to technological advances. Since then, it is possible to separate the idea of the physical object that materializes, the creator of the idea can only sell once, the rest are copies. The great challenge for Reinach is in the ownership of ideas, if the record industry and the film are suffering the blow of piracy … that the fashion industry has the suggestive name of copycat … So how to protect intellectual property … There is patent law … but the dilemma arises when it comes to low prices, while not contemplate the payment of patents.Raises two key issues, a quantitative type (on the duration of patents) and a qualitative type (should we reward creative work or not ) Fernando Reinach (Photo courtesy Sao Paulo Fashion Week) Why think in terms of intellectual property Question Deheinzelin Lala.Consultant for UNDP Creative Economy and a member of IN-MOD has no point in discussing intellectual property but to analyze the opportunities arising from the mixed economy model … and it downloads a series of examples Barsil, Africa and India in crisis that put the idea to do propiedad.Para Lala focus on dialogue between the world of the tangible product sits in the atoms, the finite …and the intangible world of processes, the bits, the infinite … urge to redefine the notion of wealth Wealth of what if it means to wealth as “wealth does not generate Escac” collective processes arise naturally as a center of gravity of all proyecto.Ventas street without copyrigthDeheinzelin, used data emerged from a study of Technology and Society at Get lio Vargas Foundation Rio on the phenomenon of tecnobrega in the city of Bethlehem, as an illustration of the emergence of models of creative endeavors that are not based on profit but on patterns of copyrigth tecnobrega alternativos.La succeeds in launching an average of 400 CDs per year compared with the 14 CD’s of Brazilian music label that releases most of the country.

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Bertrand Russell

Monocracia on the contrary, the Foundation is the will of the sovereign. With a wide field of history Graeco-Roman, Cicero comes to the conclusion that only the courts can do that the Government of the Republic. It is clear, however, they have common concerns: Cicero analyzes the works of two Greeks. Aristotle is a critic of Plato, which is implicit Cicero is critical of both. With the distance, communication and difficult to transport, far from the complex problems facing States today, making a reduction to the philosophical principles that are second to none, and are being studied as bridges for access to the modern and contemporary theories of the Justice. In conclusion, that two of these principles is in Plato and Cicero as most important element of the notion of Justice in the stability of the State. At the same time, Aristotle establishes the concept of Justice (Nicomachean Ethics) in equity.

The two will join the democratic justice, which is updated, of course, its contents. Bertrand Russell, reported that the main purpose of the book the Republic of Plato, is to define the concept of justice. The word justice has much more content that Socrates as Plato joined Justice and equality (democracy), the other used as a synonym for Justice (law) Act. In fact, Plato introduces a new version of Justice, which is not based on the Socratic principle of equality, the Platonic ideal as equal opportunities to the different powers between the different people who belong to the Hellenic Republic, to see that it is not an injustice, because the power and privileges of the tutors (rulers) and the rest of the citizens would be established by a law in the first place. Injustice would only be when someone wiser than the guardians were away from the direction of the Faculty of the Government of the Republic or if the citizen does not agree with the decisions affect the Republic.