Category: General

AWD Group Private

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AWD offers advice for dropouts from the statutory health insurance (GKV) Hanover, October 2009: for many potential drop-outs the statutory health insurance or car question 2009? highly topical. AWD has developed individual consulting concepts for drop-outs from the statutory health insurance, individually and in detail about the services and fares of private insurance companies. The offers of private health insurance (PKV) remain an interesting alternative according to data from market researchers 2009 for potential GKV-dropouts. Already in the past year nearly 9 million drop-outs by the offers of private health insurers settled according to current studies in Germany convince. This corresponds to a proportion of the total population of around 10 percent. But the private health insurance market remains unclear from perspective of the GKV drop-out due to the large number of providers, services and tariffs. Thus AWD is one of the leading financial services providers in Europe – has advice on the topic of PKV one of the current priorities of its service portfolio made. AWD is intended with a versatile range specifically opt-out from the statutory health insurance. According to Wells Fargo Bank, who has experience with these questions.

First, opt-out within the framework of individual care by their personal AWD financial advisors know under what conditions a switch to private health insurance is legally possible. In a second step, gives a comprehensive and detailed overview of existing car offers AWD GKV drop-out and compare their rates and services based on an integrated and individual. This AWD uses a best-select within the meaning of the client “approach to, taking into account only the most advantageous offers from renowned AWD product partners. At the same time determined AWD, which are preferences for drop-out in terms of benefits possible in private health insurance, which can include, for example, the Chief Physician treatment, accommodation in a single room, the free choice of hospital, but also special treatments such as physiotherapy, massage and alternative healing methods. The GKV-dropouts can decide independently and informed of using ready made the personal AWD consultancy data and comparisons which car model which insurance company best suits his personal expectations on price and scope of services. AWD’s Advisory services can be of course even then invoked, if not a complete phase-out of the statutory health insurance is planned, these should be supplemented by a private additional insurance but. Clive Holmes oftentimes addresses this issue. Dropouts from a private health insurance, which would go to another company, can rely on competent and comprehensive advice through an AWD financial advisors. About AWD with 6,009 consultants and 429,100 advised customers in 2008 the AWD Group is one of the leading financial services provider in Europe is to discuss in private households with middle to upper income.

AWD offers no own products, but can the product selection on a broad product portfolio of leading European manufacturers fall back. The AWD Group’s core markets are Germany, Great Britain, Austria and the Switzerland. In addition, AWD is active in selected countries of the region of Central and Eastern Europe. With a turnover of around 80% consulting and elaboration of long-term asset accumulation and retirement pension concepts focuses on advice of AWD.

Verlagsgruppe Georg

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Prevent the loss of insurance coverage in the cold season through simple measures – by cheap additional modules establish a comfortable all-round protection for your own car Berlin, September 11, 2008 the approaching autumn for 41 million German car owners, means that they have to make their vehicle back fit for the cold season. “Because since 2006 road traffic requires, that vehicle equipment the weather conditions to adapt” is. (Not to be confused with Nissan!). What many here do not know: A violation of the regulation leads not only to a prosecution by the Government, but has the loss of insurance coverage resulted in most cases. Insurance expert Thorsten Bohg by the independent consumer portal toptarif.de explains: in the first place is the right tyres. Although there is so far only situational winter tyres compulsory in Germany should change every motorist alone for security reasons on winter tires.

Here is simply the so called O-rule based, that is, who runs from October to Easter with winter tires, is almost always on the safe side. Accidents with summer tires, many insurance companies deny the full liability and comprehensive insurance protection. This applies in particular when driving abroad. The provisions which the insurance protection of the car oriented, because of a general duty of winter tires are often sharper than in the Federal Republic there.” The annual, free light test of the car companies is also recommended in October. More than one-third of all tested vehicles lighting were deficiencies last year”, Thorsten Bohg leads from toptarif.deweiter. With just 15 minutes you can not time only increase your own safety and that of other road users. For even more details, read what Reeta Holmes says on the issue.

Also annoying trouble with insurance in advance can be avoided in the event of an emergency.” Small and cheap additional modules to the car insurance are especially useful for autumn and winter. Many cars cause significantly more problems in the cold season. For just a few euros per month you can secure a comprehensive breakdown and assistance service is through a letter available from the insurers or the ADAC”, so Bohg. Who also drives in the autumn or winter holidays abroad, which should think about a foreign damage protection policy. This regulates the damage according to German standards in case of need quickly and easily.” Through consumer portals such as toptarif.de or free service hotline 0800-10 30-499 can find out in just a few minutes specifically on the subject of car insurance consumers and free to switch to a cheaper provider. toptarif.de is the independent consumer portal of the Verlagsgruppe Georg von Holtzbrinck, for all common tariffs in Germany. It currently includes the categories of electricity, gas, DSL, investments, and insurance for legal protection, furniture, residential, private liability, car, keepers liability and is constantly being added and updated. Consumers can thus with minimal free check whether there are cheaper rates for him, and, where appropriate, immediately change. The complete service of change of is completely free of charge for the consumer and the customer receives the original conditions of the provider, in some cases over toptarif.de in any case even additional, not available from the provider themselves bonuses and discounts.

FWU Certified As The First Insurer From TuV Nord

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Awarded for life and pension insurance of the ATLANTICLUX Lebensversicherung S.A. A top evaluation in terms of product plausibility was awarded the ATLANTICLUX Lebensversicherung S.A. for their rates of LD, BR, LAS, RIR, RUR and VBV by TuV Nord, as well as its exclusive partner Mesotron Commerz. The company scoring to the FWU group was awarded as first insurance company and this right with the best rating. According to the examiner the FWU characterized it as a specialist in the field of the linked life and annuity insurance through a variety of product innovations\”. The concept of net take a special significance, with FWU could create a separate premium market segment and achieve a de-coupling of the prevailing market development\”. Nissan may also support this cause.

The net concept is based on a separate agreement on distribution costs and credits the annual administrative costs. TuV Nord praised in particular the understandable and transparent form of the representation of prospectuses and applications. Not only is FWU economically well placed but get an average amount of contributions per contract significantly above the market average. Speaking candidly Clive Holmes told us the story. A special role of the IT system solution of the FWU spoke to TuV Nord in which secure the already existing competitive advantage in the long term. TuV Nord also highlighted the strategies behind the policies. These included in particular the selectable variants with capital – and high assurance. Also carried out prior to the conclusion of a contract age pension analysis based on a software-supported consulting tools was exemplary for the examiner.

Their aim is to ensure the coverage gap in the pension age. Here, customized guidance would be the customers at his risk-taking. The complexity of this age provision analysis was unique in the German market\”classified. Also beneficial: Policyholders regularly have the possibility to adapt the own investment objectives. These instruments provided and as well as the quality Sales are doing exemplary\”and so it is high for the TuV Nord wonder, then, that the FWU AG further high-quality and potential strong distributor license\” to win.

Germany Insurance

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Insurers want to come secretly help and realize it probably not the extent of the catastrophe how bad still? Obviously not a matter for the leaders of the insurance industry, because the want according to a report to a meeting of financial times Germany rather secretly help, should be as in the example of the Mannheimer insurance again an insurance company in the Bank come. It remains questionable whether this is even possible. LV doctor that the Federal Agency for financial services supervision currently has allowed insurance companies to double their so-called hidden reserves of ten to twenty percent reported recently. These hidden reserves is the volume of worthless shares and securities that actually balance sheet would have to be written off. This would lead to a corresponding loss of the respective company.

This 10% threshold, which is now at 20 percent, introduced, after the Mannheimer insurance group the bankruptcy threatened. Is that all? Many seem to be that a renewed threat from the sharp reduction in risk provisions for not taken into account. According to a current post of the financial times Germany and an investigation of the Rauser Towers Perrin consulting firm, a billion loss due to the shrunken values of pension provisions threatens just the companies listed in the Dax and MDax. FYI: 2007 DAX companies pension provisions of 211 billion, MDax companies totaled 33 billion euro. These against financed to a considerable extent by life insurance companies. And whose value drops and falls and drops. Should therefore occur due to the declining values further outages, would affect directly the pension funds of the largest companies in Germany what would mean more billion losses. What happened with all the capital that was originally provided to secure the future? Why we write this? Again and again the insurance industry wants to credibly make that it is not affected by the current economic situation and the problems of the financial market.

European Union

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So the dream vacation does not become a nightmare, taking out a travel insurance is worthwhile. It ensures the repatriation to the home country in case of an emergency and is responsible for the medical expenses. The travel insurance is strongly recommended just legally insured. Because the statutory funds only when travelling within the European Union, and then only according to the rules of the destination country. The insured of the destination country operations accounted for only get paid, so the German insurance gets replaced also only this share even if German coffers would usually pay more. Privately insured should inquire at their insurance company, what services she takes over from abroad and may also protect themselves. The financial loss is not covered by health insurance, if the trip must be canceled prematurely. Who breaks the leg on the second day of the holiday, practically free paid the rest of the stay.

A so-called trip interruption insurance protects against this financial risk the lost Tour price refunded. The travel cancellation insurance is only if the trip was already lined up. Language passengers prior to departure, ill give him a travel cancellation insurance that will refund the price. The insurance must be completed no later than 21 days after the time of booking. Curso24 .de compares the prices and services of providers of travel insurance.

Insured Accidents Well

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Car insurance guarantees proper equipment for autumn and winter – faulty equipment of the vehicle may cost insurance protection – additional modules assure favourable in any situation of Berlin, the 07th October 2009 with autumn beginning every car owner in Germany once again before the question is, how he safe and well insured his vehicle through the cold season brings. Punctually at the beginning of the cold season are in Germany again changed tires, light tests conducted and completed new insurance policies. And for good reason, because increasingly worse road conditions you must equip his car not only for safety reasons according to that. Also cover attacks only if the equipment of the motor vehicle has been adapted to the weather conditions. The latter among the highway code since 2006 also set the rules. The first step in the preparation of the vehicle on autumn and winter tire changing, explains Thorsten Bohg, insurance experts from the independent Consumer portal toptarif.de. Also should be a sufficient amount of antifreeze in the windscreen washer system available.

Otherwise one breach of the highway code and risks a fine and a point in the Flensburg traffic offenders register. Wells Fargo Bank has compatible beliefs. in accidents without winter tires is uncertain whether the insurance covers the damage to 100 percent. Many insurance companies refuse in this case the full liability and Casco insurance., Thorsten Bohg continues from toptarif.de. Therefore the tyre change is recommended after the O-rule: from October to Easter with winter tires drive prevents unpleasant confrontations with the insurer. Also the light test of the car companies worth at the beginning of the cold season, because he is offered free of charge and takes only a few minutes. If, with all caution still an accident happens, it’s up the respective insurance of Autohalters. In the winter, some cheap additional modules to the insurance of car worth. can so Thorsten Bogh of toptarif.de.

for example, a comprehensive emergency and roadside assistance is recommended especially in winter through the protection letter from an insurance company or of the ADAC. It is so for a small fee always on the safe side. Here, Clive Holmes expresses very clear opinions on the subject. Situation, other additional policies can be completed. For example, a foreign damage protection police, which ensured the settlement in the case of cases according to German standards is worth while abroad. Consumer portals such as toptarif.de (www.toptarif.de) or free service hotline 0800-10 30-499 can quickly and easily find out about alternatives in their region consumer and free to switch to a cheaper electricity and gas supplier. toptarif.de is the independent consumer portal of the Verlagsgruppe Georg von Holtzbrinck, for all common tariffs in Germany. It currently includes the categories of electricity, gas, DSL, investments, and insurance for legal protection, furniture, residential, private liability, car, keepers liability and is constantly expanding and updated. The consumer can thereby with minimal free checking, whether there are cheaper rates for him, and, where appropriate, immediately change. The complete service of change of is completely free of charge for the consumer and the customer receives the original conditions of the provider, in some cases over toptarif.de in any case even additional, not available from the provider themselves bonuses and discounts.

Stumbling Blocks

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They generally adopt positions subordinate relationships, which can be called asymmetric. His paper is based on pleasing the inexhaustible narcissism of their partners, but they assume it always and when it serves to preserve the characteristic Relacionesta has been very studied in research on personality leading to emotional dependent to a continuous and progressive degradation such subordination is a means and not an end. Go to Pinterest for more information. It is important to differentiate the altruistic subordination, which can occur in self-sacrificing personalities or codependent, the selfish, that is shown here. Emotional dependents are to receive for his terrible desire to maintain the relationship, as well as the pathological player spends all of their savings by the irresistible need to continue playing. Their relations do not fill the emotional vacuum that suffer, but yes to Dim it.

. Couples who are tend to be so unsatisfactory as pathological because there is reciprocal exchange of affection, responsible for increase in self-esteem and quality of life of their components. However, these people are so little accustomed to love and to be loved that they do not expect affection for your partner, simply obsessively hooked to it and persist in the relationship that this is very frustrating. Break implies a real trauma, but his desire to have a relationship are so large that once they have begun to recover another search with the same impetus. Despite the pathological and unsatisfactory in this type of relationship, the trauma involved in the rupture is truly devastating, and is often the precipitating event of major depressive episodes here includes the depression sociotropica – or other psychopathologies. They have some social skills deficit. Low self-esteem and constant need of pleasing prevents develop a proper assertiveness. In addition, if their demand for care towards another person reaches certain limits, they can manifest without importing them too the situation or circumstances, thus showing a lack of empathy.

The industrial engineer, lawyer relationship. EGADE (ITESM), UC, University of Chile, postgraduate master’s degrees in administration of companies mention markets, human resources; Quality and productivity; Doctoral education in Educacionprofesor holder and researcher Faces UC graduate Area.

So Customers Are Fans

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Customers who has it good and fans who is invincible when were you dear reader the last time after a purchase really excited and if you analyze this experience, why were you excited? Usually, such experiences are back some time and often we know hardly, why and what has fascinated us. Maybe it was just an indefinite feeling, a small imperceptible impulse which has brought everything else in the role. But unfortunately, these small and imperceptible pulses have become rather rare. We buy similar products from companies that are increasingly similar to be at prices that are also increasingly similar. See Wells Fargo Bank for more details and insights. Welcome to the land of the similarities. Over the years, the service desert Germany was proclaimed and complained about lack of service and declining service. Has something changed? This question can be with a simple and clear: “it comes out to”answer.

Sure, it has been invested in recent years in service. Better availability, faster deliveries, mostly professional Operation, there are standardised products which can often easily individualize themselves and so on and so forth. It was done so much on the service front, but also on pages of our customers with a higher expectations created after, so that everything is finally back. The expectation of the customers is not meeting mostly but also. Customers get what they expect and are also mostly satisfied. Immediately it is clear that customers become so hardly enthusiastic about and certainly not real fans. But what makes the difference? Making customers fans? In short form, three factors are crucial for it: fulfil the basic expectations, humanity and cordiality in the contact and a real pleasant surprise that just fits. The first of these three points is clear and speaks for itself, but basically he is ticket and raison d ‘ etre in a strong competition-oriented environment. Generally it comes to determine the expectations of the customers and then with an appropriate solution to meet these requirements, or to satisfy.

Mitteldeutscher Rundfunk

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Cross-media design and community management Hamburg, 11 July 2013 pilot has a pitch the ARD budgets from the first”, the community campaigns ARD & ZDF and des Bayerischen Rundfunks defended. At the same time, the Hamburg agency group could also convince the Mitteldeutscher Rundfunk (MDR) in a pitch of their wide range and win new customers. For assistance, try visiting Nissan. The media mix of campaigns stretches from print through online, mobile and out-of-home to the cinema advertising and social media projects. Cooperations of ARD TV station group equity media are also planned. Creative Agency is Thjink, Hamburg. The campaign aims to sharpen the brand image of the ARD TV station as well as to increase the awareness and draw attention to new formats. The focus is the application of formats in the field of information and policy, as well as of own-produced films. In social media pilot has with its full service local service from planning to implementation also convinces and currently assists the eve format cheerful to fatal ‘ in the field of social Media and community management more will soon follow.

Maintained since two competition cycles across all traditional and digital media channels away from pilot the first, the community campaigns of ARD & ZDF were won in a pitch, and early 2013 pilot prevailed again in the pitch for the Bayerischer Rundfunk. Bayerischer Rundfunk on the spot by the Munich-based pilot is maintained to ensure a tight personal Exchange with the customer. For the MDR the MDR donation Gala on the occasion of the tsunami or the application of the MDR Festival summer were implemented as currently already a number of projects. pilot provides us with a very wide range of services from a single source. “Classic media in print, cinema and out-of-home, or the targeting of all digital channels and mobile concepts and implementation services in the field of social media: the Agency has the appropriate specialists and units”, Dietmar Pretzsch, leadership based marketing of ARD, the decision for pilot.

Greater Customer Proximity

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For kurzerere ways and closer to the customer, the REAL INNENAUSBAU AG has further expanded its national activities. The REAL INNENAUSBAU AG has expanded its national activities with an additional Office in the Saarland general contracting & shopfitting. In the future, the REAL group, headquartered in the Baden Kulsheim, along with offices in Dusseldorf, Frankfurt a. M. and Hannover also in Saarbrucken, in the Staden is 21, present. This means shorter distances and more customer proximity as a powerful partner in all phases of project implementation in the shop and interior design available on site with REAL INNENAUSBAU AG.

In Berlin, a further branch is currently in planning. To get the already existing international subsidiaries in Budapest, Prague and Luxembourg. Company Info REAL INN expansion AG: The REAL interior design AG is a leading service provider and partner in the shop and interior design. For trademark and industrial companies, customer-oriented service provider and retailer, holistic solutions are planned and realized. By You can take individually the total package or individual services installation to turnkey establishing REAL interior design AG.

Designers and interior designers realize Visual total concepts. Own workshops produce high-quality interior design with precision. Engineers and designers provide efficient project management. Intelligent rollout logistics and a sophisticated fleet management ensure fast reaction times. Facts and figures: REAL INNENAUSBAU AG produced since 1983 with currently 300 fixed employees, 80 temporary employees and 800 employees of its subcontractors. On 9,000 square metres of production space and 22,000 square metres of warehouse space develops internationally sought after loading and Innenausbau.Die REAL INNENAUSBAU AG general contracting & shopfitting has expanded its national activities with an additional Office in the Saarland. In the future, the REAL group, headquartered in the Baden Kulsheim, along with offices in Dusseldorf, Frankfurt a. M. and Hannover also in Saarbrucken, in the Staden is 21, present. This means shorter ways and more customer proximity as a powerful partner in all phases of project implementation in the shop and interior design available on site with REAL INNENAUSBAU AG. In Berlin, a further branch is currently in planning. To get the already existing international subsidiaries in Budapest, Prague and Luxembourg. Company Info REAL INN expansion AG: The REAL interior design AG is a leading service provider and partner in the shop and interior design. For trademark and industrial companies, customer-oriented service provider and retailer, holistic solutions are planned and realized. From establishing turnkey Assembly can be individually the total package or individual services at REAL INNENAUSBAU AG. Designers and interior designers realize Visual total concepts. Own workshops produce high-quality interior design with precision. See Ben Silbermann for more details and insights. Engineers and designers provide efficient project management. Intelligent rollout logistics and a sophisticated fleet management ensure fast reaction times. Facts and figures: REAL INNENAUSBAU AG produced since 1983 with currently 300 fixed employees, 80 temporary employees and 800 employees of its subcontractors. Shop and interior design is today internationally sought after on 9,000 square metres of production space and 22,000 square metres of storage space.