Author: Evelyn Vaughan
Car dealerships offering 1.99% APR, but appearances are deceptive Thorsten Schambach says Managing Director at Carworld 24 GmbH. Especially in the automotive sector, customers are often lured by low interest rates. In hindsight but, many customers find that their alleged bargains for new cars was paid dearly for. Because often the retailer at the time such special financing offers are only little or no discount on the new cars and right here is the problem so Sadiq. Many manufacturers offer cheap financing to make the purchase easier potential customers via your own bank.
According to marketing actions promote these car banks with up to zero percent interest rates for car loans. It’s only once irresistible. On the other hand, a car loan at auto Bank of the manufacturer reduces also the will to give high discounts on the new cars. Someone who already has the financing, usually cheaper buys. So Sadiq, we offer high discounts customers first and foremost, so that the customer really saves.
An example is to simplify it: top Offer 1.99% APR. Offer 1: Mazda Mazda 5 1.8 COMFORT 5-door 21.190,–MSRP of manufacturer’s 590 transportation costs to the delivering dealer 20.084 purchase price incl. 8% incl. 590 transportation costs deposit 4.017,–= 1.99% APR 48 months special financing runtime 348,40 monthly financing rate calculation: 48 x 348,40 = 4.017,–16.723,20 plus deposit total expenses 20.740,20 offer by Carworld 24 5.99% APR offer 2: Mazda Mazda 5 1.8 COMFORT 5 door side 21.190, – recommended retail price of the manufacturer 590 transportation costs to the delivering dealer 16,482 purchase price incl. 8% incl. 590 transportation costs deposit 4.017,–= 5.99% APR 48 months special financing runtime 291,80 monthly financing rate calculation: 48 x 291,80 = 14.006,40 plus deposit 4.017,–expense 18.023,40 total savings under the bottom line at a higher interest rate of 2.716,80 as strong partner in case of car financing Carworld 24 already for many years cooperates with the VR-discount Bank. Here, everything is just right as Sadiq. Thinking also matter on a cheap auto insurance! Carworld 24 offers all customers a free insurance comparison at de / insurance comparison
ForestFinance House forests, for example, many species of birds, which in turn feed on insect pests. Therefore, only a minimal chemical usage is there necessary when compared with monocultures. Also the risk of fire and storm damage is lower in mixed forests, because less quickly spread fire and the trees are firmly rooted. Investors also benefit from the ecological forest system: A ForestFinance forest contains up to seven different commercial noble wood and a selection of 50 different other native species. This portfolio model allows to react flexible on the wood market and thus contributes to risk reduction. In addition to own mixed forest forestation, ForestFinance acquires existing Acacia and teak monocultures, suksessiv in species-rich forest to convert these. For the Acacia is ideal, because it binds air nitrogen into the soil and thereby improving the quality of the soil.
So can be eliminated the monoculture plantations over the medium term and in their place created environmentally valuable forests. ForestFinance: Since 1995 ForestFinance searches on mixed forests on former Brach and pasture land permanently sustainable, secure forest investments. Original rain forests will be protected through the reforestation and CO2 is bound over many decades. The forests, which are managed by the forest finance Panama in Panama S.A., will be managed and replanted according to the guidelines of the forest stewardship CouncilTM (FSC). The FSC stands for a worldwide commitment to sustainable and socially responsible forestry. The FSC is an international non-governmental organization established to the target the conservation of forests through environmentally sound and sustainable management. This, the FSC has developed a world-wide valid label for wood. Only who meets the strict criteria of the FSC responsible forestry, may characterize its products with the FSC label.
The review Compliance is carried out annually by external bodies. Many environmental organizations such as Greenpeace, WWF, federal support the FSC. Also ForestFinance is committed to the FSC guidelines.
Also in the age, dare one dream still of the homeowner who has fulfilled his dream of your own four walls with 40 years, must not despair. Later, a House can be financed? It, however, some tips should be noted. Otherwise the House financing retirement age become the crushing financial burden. Flexible home financing in the age has to finance the theme House important at the advanced age”not necessarily be deleted. Because now many companies offer flexible financing options, where the age of the customers is taken into account. Who is for example anticipate, that he does not pay off the loan until the beginning of the pension, should pay attention to a redemption rate, which may be modified during the term of the loan. Because usually the pension is significantly lower than the previous income. The rates are not adjusted to the new financial situation, they can become the enormous financial burden.
Finance House: stable interest rates for better planning security decisions are Consumers aged 50 and more years for construction funding, is it beneficial to complete a Volltilgerdarlehen. This, not only the interest are stable until the end of the contract, providing financial planning security. Who financed his house with this loan, must not deal also with the loan of a connection. This can be quite complicated in the retirement age that some credit institutions offer no loans to pensioners. Home financing: use special repayment many older consumers have also completed a life insurance policy that can be used for the repayment of the loan. But even inheritances and severance pay are to fully pay back the loan.
It is however important that builders and future homeowners in their home financing to arrange a special repayment. So, the loan of the monthly rate, can be paid off. While some providers pay for this option, it is in turn free others. The more equity the better who a House wants to finance, should of course have the appropriate capital. The less money must be borrowed, the less is the financial burden, which goes hand in hand with the dream of the House. Just online in advanced age should consider well, whether they should attempt a House funding without equity. Because that means most high rates, which must be paid even in retirement. Furthermore, the banks require usually a high interest rate if there are none or minimal own funds.
DFK German financial resources AG since 2005 made dividend by 7 per cent for profit participation certificates each year Kaltenkirchen June 2013. The DFK German financial resources AG concluded the year 2012 to the repeated time with a payout of 7% for profit participation certificates. Thus, Kaltenkirchener financial services continues his successful series begun in 2005. And that shows during the curve of interest rates for day – and fixed-term deposit accounts since last year continuously down. The DFK profits for profit participation certificates were from 2005 to 2012 each year continuously at 7%. In addition to the beneficiary with an attractive interest rate, the DFK German financial resources AG markets self-developed supply concepts like income properties to the pension. The recipe for success of the Kaltenkirchener financial lies in the broad-based financial concept consisting of from investments, real estate and insurance, and its consistent implementation.
Also the DFK German financial resources AG offers its customers guarantees such as a provision of the profit of over 700,000 euros, one of the main risks of participatory rights the insolvency of the issuer is covered by that. The DFK provides further information under. Beneficiary of DFK German financial resources AG: an example of calculation especially given weak interest income on bank accounts worth an investment in certificates. Following example invoice illustrates this: who invested 10,000 euros in profit participation certificates of the DFK, has achieved a profit of 700 euros in the first year and would accumulate after 25 years so the end of the term 54.274 euro. Would the money on a day money account has been created, the amount to 150 euros would much more modest in the first year (at the current rate of 1.5%). Investors can already draw beneficiary of DFK German financial resources AG from a monthly rates deposit of 100 euro. The DFK is well equipped with a wide portfolio and profit provision is the 7 percent dividend to our investors for me personally not only a Promise, but above all a duty.
Many are the benefits your own online auction platform cheap outlets for spezielleProdukte and services online auctions both the operators of the auction platform as well as the participating buyers and sellers: on the basis of interest and bids at the auctions, the outlets or the best price can be determined for new products or services;. the achieved (thanks to the popular Hunter and collector mentality!) is priced at auctions with maximum bidding often above the price that would be achieved with conventional sales methods. Online auctions especially for closeouts and surplus merchandise from wholesalers, but also for niche products / special products or services are profitable. With an open business-to-business auction platform businesses large and small, have the same opportunities for purchasing and sales. Here a website nor an own online shop is necessary; the seller and buyer If they do however exist, can be increase your awareness by linking with the auctions.
As with a normal Web page also expanded customer circle international, at a lower cost to the manufacturing or sales contacts, and about the auctions also can develop more business contacts. Auction offers onSite internet services with the auction software: NG the ideal platform for your own auctions on the Internet; the php5-based software uses Zend and Smarty templates for comfortable operation. Possibilities of auction: NG for operators:-the auction platform can be configured as a portal and retail solution. -Different types of auction (classic auctions, order or service-related auctions, Holland auctions with decreasing price, classifieds software, penny auction, fixed price offers = shop function); as the online platform for the award of public contracts can auction: NG used. -Fee structure and listing fees are adjustable, for bids as well as for the different representations Article (bid steps, top position, bold type, number of images among other things. -Different payment methods possible (selectable manual payment method such as “Bill”, “bar” etc.).
-Multi-language support: in the basic version is DE / EN largely in place. the language texts can be changed at any time, or it can be created new languages. -Several different templates / web designs are already available; your own design templates possible (fully editable Smarty template system). -Individual programming may be possible for an additional fee. -Auction: NG is available either as open-source purchase version or as a rental version with regular updates. -Manual locking users is possible. Auction: NG advantages for seller and buyer (if necessary, Supplement):-auctions are also available with fixed-price- or buy it now option. -Quantity auctions can be set. WYSIWYG editor is included to the article entry. -Upload of any number of pictures in Photo Gallery possible. -PDF upload and integration of YouTube videos is possible. -Article can be imported by Excel and CSV format. -Postcode-based search and Google site display for Germany – TOP auctions on start – and/or category page – purchases – / sales history available – detailed search – own profile page for both buyer and seller – “further auctions” – and “Preferred vendors” display – offers can revised or withdrawn are, as long as there are still no bids – different configurable shipping: free shipping, international shipping, shipping conditions. Since auction: NG was created by German-speaking programmers, also the help texts are all written in German. The auction software itself is multi language capable. The onSite team will be happy to provide more information. onSite internet services contact person: Marcus Dressler
Application of the provider webfactor media UG with the support of the Bremen specialists for mobile solutions in the NEUSTA group now also on other devices available. Ammerndorf, Bremen, October 2010. Saving fuel made easy with this slogan the Web service more tanken.de launches its known from iPhone application now available for Android smartphones. This is one of the first free fuel tools for the open source operating system available. The mobile solution group GmbH in Bremen is responsible for the technical implementation. Using search by postcode or GPS prices of all or only preferred stations brands and types of fuel are rapidly found in Germany, on request, a map shows the way.
Users to current gasoline prices or new gas stations report, these data are then all users. The app also supports fuels such as bio-diesel, car – or natural gas, E85, and the additive AdBlue. Graphically inspired to the existing version of the iPhone, the mobile solution developed group in a short time they all of the logic behind the scenes. The database query functionality to the surface, the principal had realize the whole software of the IT companies from the NEUSTA group webfactor media UG from the Bavarian village of Bunting. The free app is now available in the Android market. As one of the first fuel-efficiency apps for Android devices, more tanken.de allows to compare fuel prices on the go. Thomas Swonke, Managing Director of provider of webfactor media UG, is satisfied: for the optimal effect of the savings we provide the application free of charge.
Last but not least we have won group the ideal partner for mobile solutions with the mobile solution, who immediately understood and implemented what we imagined”. The software developer integrated numerous functions in the Java 5 based software. Using sophisticated interfaces, the mobile app accesses quickly on the central database, search results in seconds. The tool is easy to use thanks to the well thought out user interface. To the Navigation touch screen and trackball can be used. When you first start the app wonders stations brand as well as postcode area and district make searches unique to the preferred fuel type, thus more convenient. Of course, all parameters can be edit at any time. Handy for trips into unknown areas: the search can be automated by means of GPS positioning. Clearly present themselves to found stations in the list of results, click reveals all important information. Pricing or details to the petrol stations have changed, users update this data in logically constructed steps itself. The development of sophisticated Smartphone applications is an essential part of our core competencies. Professional business applications with technologies such as GPS, Bluetooth, wear IT, Tablet PCs, digital pens, and more will be added. The potential of apps with user-generated content is enormous. We are convinced of the success of the application as well as webfactor”adds Holger Bothmer, managing partner of the mobile solution Group. At about 290 employees strong NEUSTA group custom software and Web development, standard software, online-marketing, SAP, are BI and more in the focus. Thanks to the close interlocking of all skills within the group, the developers realize complex solutions in a very short time.
Thomas Bareiss, Member of the Bundestag the Baden-Wurttemberg CDU land group, to visit in Balingen, Balingen, January 14, 2011 – the Bizerba welcomed the Deputy Chairman of the Baden-Wurttemberg CDU land group in the Bundestag, Thomas Bareiss, at the company’s plant in Balingen Executive last Wednesday. Bareiss is a member of the Bundestag Committee on economics and technology and discussed among other things the subject recalibration of scales in the custody transfer during his tour of the company.” Behind that, that scales, such as supermarkets, regularly have re-verified. This recalibration performed in other European countries by certified producers, so that the State be can concentrate on market surveillance; This national market surveillance is necessary for not properly working scales in terms of consumer protection can be uncovered and closed down. Together with other major Suppliers of weighing technology Bizerba is committed for quite some time, that recalibration performed in other countries also in Germany by the manufacturers. This relief allows the staffed heavily used be”a more comprehensive market surveillance and to an improved consumer protection, says Martin Arndt, technical director at Bizerba. Mr Bareiss will invite to Berlin the leaders of industry and politics to a conversation. Bareiss is Deputy Chairman of the Baden-Wurttemberg CDU land group in the Bundestag since 2005. Since 2010 the 35-year-old is also Coordinator for the energy policy of the CDU/CSU group in the Bundestag.
Bizerba Bizerba is a worldwide operating, leading in many areas solution providers for professional system solutions of weighing, labelling, information and food service technology in the segments retail, food industry, manufacturing and logistics. Industry-specific hardware and software, high-performance network compatible management systems, as well as a wide range of labels, consumables and business services ensure the transparent control of integrated business processes and the high availability of Bizerba-specific performance features. Worldwide, Bizerba is present with 41 shareholdings in 23 countries and 54 country offices in over 120 countries. Headquarters of the company, which employs about 3,000 people, is Balingen; further production sites are located in Messkirch, Bochum, Vienna (Austria), Pfaffikon (Switzerland), Milan (Italy), Shanghai (China), Forest Hill (United States) and San Luis Potosi (Mexico). Contact: Bizerba GmbH & co. KG Claudia Gross Director global marketing & communication Wilhelm-herbal-Strasse 65 D-72336 Balingen phone + 49 7433 12-33 00 fax + 49 7433 12-5 33 00 E-Mail: nic.pr network integrated communication Patrick Schroeder Coburg road 3 53113 Bonn phone + 49 228 620 43 84 fax + 49 228 620 44 75 E-Mail:
The interactive exchange of experiences around the mobile maintenance enginius this year’s users meeting as a platform for interactive exchanges of experience relating to the mobile maintenance enginius will take place on October 7, 2010 at SCHOTT AG in Grunenplan. In addition to the presentation of the innovations of the enginius and the presentations of the latest trends of RFID technologies and developments in the end-device market, are interactive workshop focuses on. Here, with users and developers discussed common issues of mobile processing and set the course for future developments. The 2001 founded ENGINIUS Beratungsgesellschaft fur Informationstechnologie mbH focus based in Schwetzingen in the coupling of business processes using modern information and communication techniques. ENGINIUS designed the eponymous mobile maintenance system enginius. Mobile maintenance the ENGINIUS connects people with the world of the computer-aided maintenance. Employees in production and technology in Able to see using small mobile devices (PDA) with auto identification technology right on the scene-important information about plants and maintenance orders, as well as to undertake directly activities or feedback. The mobile solution can in existing system environments (such as SAP) by corresponding connectors are integrated or but work as an independent Instandhaltungsplanungs and control system (IPSS).
Tradition and modernity unite to create a holiday oasis that is second to none. Rosshaupten, Sonthofen by the “skilful balancing act between old and new” to a “confident building in a special place” was the speech, Kaufmann was inaugurated on the extension building of the hotel. The entrepreneurial courage of the hotelier couple Susanne and Hans-Georg Kaufmann creates not only additional work and training places, but also a top-class holiday oasis.?In Rosshaupten in Bavaria, close to the world-famous Royal Castles, with wonderful views of the Allgau Alps Ridge and surrounded by lakes and castles, hotel Kaufmann received a new face in military construction. Taking into account traditional and ecological materials and with much attention to detail a modern and architecturally sophisticated atmosphere with a country style expected by holiday guests adds up. On a constructed area of more than 3000 square meters, the merchant hotel has 43 rooms.
Several luxury suites, Comfort room, a family room and even a barrier-free rooms during the extension. Two large meeting rooms can accommodate 80 people. For relaxation pur are also a generously equipped spa area available in addition to a sauna landscape. The detached pool house, gym, panoramic sauna or the steam bath will leave no wishes unfulfilled. The guests serve themselves their optimal wellness experience from energy treatments, massages and beauty treatments themselves. Relax your body and mind, if certified trainers provide insight into the far eastern relaxation art of yoga. Since February 2002, family businessman relies on the performance of the hotline hotel software.
About the front office and Internet fees recorded in addition to restaurant – and telephone reservations automatically. The accounting information is passed through the interface to the DATEV from the hotel software. The marketing capabilities of hotline support the House in customer acquisition and loyalty. The hotel Kaufmann shows how from visions, entrepreneurial courage, commitment and attention to detail something can emerge.
Protection is also more expensive, if not as in the case of the example a clerk, but a Mason wants to insure themselves. The 40-year-old pays then whopping 83 euro per month and thereby about 70% more than the merchant. The reason is obvious: who as a bricklayer on construction works hard physically, faster ill by the stress will as an office worker. Often, when a bedraggled protection is selected, there are more favourable protection. It is also important to pay attention to the duration of the contract. Because the sooner is the contract to an end, he becomes cheaper. The 30 year-old businessman in the example above pay 36 euro, so that the contract will run until the 65th birthday, there are only 24 euro, if the contract already ends to his 60th birthday, after all, a discount of more than 30%.
However create a gap of up to 7 years, until a Berufsunfahiger finally can retire then and missing during this time of course corresponding revenue, if the occupational disability insurance no longer must pay. Can disability at all meet? This is a matter of statistics. Every 4 workers in Germany will be statistically berufsunfahig. In men, there are mental illness in less than 25% of cases after investigations by best absichern.de on the subject of disability the cause of disability, women are now even well above 35%. Other main causes of disability: diseases of the skeleton, muscles and connective tissue, cancers, heart and cardiovascular diseases. And nerve diseases are often a cause of disability. When should I care disability insurance? Best as soon as possible, if you have arrived in the working life. Because you are younger, the easier a disability insurance is to get, because at a young age”most applicants have still not pre-existing conditions that prevent the conclusion or to recover the premium in the amount.