Jens Petersen Publisher

Book: Miracles take time – authors: Jutta Schutz and Jens Petersen Publisher: tredition ISBN: 978-3-86850-625-9 – EURO 14.99 short description: in this love story, a true Bermuda triangle between feeling, hope and heartache, bring us the authors on a tumultuous journey through the psyche of two people. An accompanying theme are enriched the spiritual problems of a young man of who discovers a trans-sexuality in itself to have a serious topic believes that here with a pinch of erotic and humour told with a strong shot, without the protagonists and their multiple problems and difficulties in the ridiculous. Book: Do you hear the love? It sounds like music – author: Jutta Schutz Verlag: tredition ISBN: 978-3-86850-155-1 – EURO 15.99 short description: Cora, 40 years old, divorced and owner of a small architecture firm rejoins her divorce Achim after long years. He makes a marriage proposal to her, but she is even simultaneously falls in love with a pilot. A long time can not choose between two men and flees to New York where they a large hotel should refurbish. Because Cora is very tired and jaded in recent times by the many work, a doctor recommends you to take a long trip. It goes to Hawaii.

Book: Suddenly diabetes – author: Jutta Schutz Verlag: tredition ISBN 978-3-86850-597-9 – EURO 9.99 short description: in the self-help book “suddenly diabetes” portrays the author in a loose way, diabetes in a Diary style, about their own disease and settles with false teachings of nutrition. It describes their way from the metabolic disease with the help of a complete nutrition. “Book: KNOW-HOW of successful writer – first aid to success author: Jutta Schutz – Publisher: tredition – ISBN: 978-3-86850-880-2 – EUR 8.99 short description: the Know-How of the successful writer’s book” motivated and want to help newcomers to improve their books. The author shows how establishes appropriate contacts and get courage to develop your own career and determined to tackle. Book: “unsustainable” status – author: Sabine Bajwa Publisher: BoD ISBN 978-3-8391-0264-0 – EURO 6.99 short description: an experience report, which is also a helpful Advisor.

The author himself suffered a raging intestinal, constantly tried to calm her stomach with the help of medicines. Perhaps check out Randall Mays for more information. How she did it, now to live without pharmaceuticals on the intestines, just by using a simple conversion of the food, she describes in this small work. Book: My friendly kitchen – author: Sabine Bajwa Publisher: BoD ISBN 978-3-8391-5192-1-7.99 EURO short description: it is a low-carb cooking and baking book for the delicate and sensitive intestines. The work includes not only low-carbohydrate, quick and easy recipes, but offered some breakfast and dinner suggestions, as well as snacks. The reader has the ability to create yourself a diet plan from the many listed foods. Furthermore are brief details around the digestive tract, as well as interesting facts Provides carbohydrates, protein and fat. The author himself for many years suffered from digestive problems and has can fight through his own recipe compositions her intestinal problems.

Eike Schulze

Wrongly – like the German Federal Supreme Court (BGH) decided in the summer of this year (AZ.: XI ZR 388/10). Account management achievements for the Bank’s own billing purposes and must not be equipped with a special fee. More information is housed here: Gavin Baker. The customer can get a performance that was linked for him with no advantage, because he could see his payment obligations also contract or interest and repayment schedule. Because the judgment is valid retroactively, borrower can reclaim previously paid account management fees. According to BGB, the General Statute of limitations for such claims is the customer does not receive back thus three years, longer past payments. Still unclear is whether the Statute may only begin with the end of the credit agreement–then banks would reimburse amounts received even before that. To deepen your understanding HAAS is the source.

Treasure cost even those fees are not allowed. In the past, have Credit institutions Treasury costs for the determination of the object or the lending value of the property charged. The collateral value is calculated through the work of an expert, the cost – between 100 to 500 euro or even higher – the banks ranged further like to the customer. In a judgment of April 24, 2007 against a building society the Landgericht Stuttgart decided that this practice is not permitted. Because the valuation belong to the tasks of the building society and serve their interests, she should require no extra remuneration for it (REF. 20 O 9/07). As a result of the ruling, customers, taking into account the limitation period, could reclaim paid Treasury costs.

Many banks will now no treasure cost you money, but it is worth to look exactly. Description of the company Baufi24.de has more than two million visitors per year, one of the most popular Web portals for private mortgage lending. More than 1,000 certified consultants are available to customers in a network of partners with advice and expertise to the page. Its service portfolio compares the company offers more than 300 banks. Baufi24.de leads to the right financing partner future homeowners include not only the cheapest interest rate, but the total financing must be compatible with the requirements of the clients. Baufi24.de experts accompany their customers from the inquiry about a good deal to finalize construction financing and their smooth operation. Company contact: Baufi24 GmbH Stephan Scharfenorth age Pond Trail 25 22081 Hamburg Tel: 0800 / 808 4000 E-Mail: Web: PR contact: Baufi24 GmbH Eike Schulze age Pond Trail 25 22081 Hamburg Tel: 0800 / 808 4000 E-Mail: Web:

Debit Card Payday Loans Support

Debit card payday loans are a sort of no-collateral small finance. The salaried people have been greatly benefitted by debit card payday loans. There are a few conditions which the loan seekers are required to satisfy to be eligible for debit card payday loans. GiveWell brings even more insight to the discussion. A person can apply for debit card payday loans if he is a citizen of Great Britain, and if he is to adult by the definition of the court. Click Gavin Baker for additional related pages. As the credit transfer is made electronically, the ultra-delicate must have a valid and active bank account. He got to have sizeable monthly income of about 1000 so that he can repay the borrowed amount without fail. He must produce his current employment certificate to establish that he has been working in authorized Office or plant.

The loan seekers can fetch 100 to the lowest and 1000 to the highest, towards debit card payday loans. The finance provider assess his fiscal capacity and all bout his paycheck to determine the amount that they want to advance. Debit card payday loans are advanced against the paycheck of the applicant. It is necessary for the loan seekers to go through the terms and condition for debit card payday loans before they submit the loan application. They must learn beforehand, if there is any sort of hidden charges or processing charges.

Terms and condition are, however, based on the common practices of the finance market, and are reasonable. The loan seekers are allowed to pay back the borrowed sum within two to four weeks, because this child of finance has similarity with short term loans. As the loan amount is paid in unsecured variant and collateral is not asked for, interest towards debit card payday loans are charged at Council of higher than usual. People who avail debit card payday loans must be very sincere in paying back the loan amount. They are fined or penalized if they leave marks of lapses in repayment program. People with poor credit status are therefore eligible for debit card payday loans. The loan seekers are not required to fax their personal information or information of financial transactions to get the loan application approved. They are welcome if they submit the loan application online. The finance providers are prepared to send the payable amount to the bank account of the included borrowers within the next banking day. Debit card payday loans have benefitted the salaried people of UK. Adela mark is author of debit card advance Loans.For more information about payday loans visit

European Parliament

The year 2011 designed for the private health insurance very pleasing important changes in the private health insurance in 2012. Significantly more insured to a shift in the private health insurance have opted by reducing the statutory waiting period from three years to one year. So, the number of new additions in a private health insurance was 20 percent over the corresponding period of the previous year in the first half of 2011. Thus, nearly 9 million people in Germany were privately insured end of June. More about 119,000 private supplementary insurance contracts were added.

Also this value significantly higher than the comparison period and resulted in a total of 22.09 million private additional insurance until the end of June. In particular care insurance, dental fees and optional services were in demand in the hospital. The Association of private health insurance is optimistic that the success can be continued in 2012. Some changes coming in the new year at insured. From the 1. January 2012 the income limits of the health and social security are adapted to the wage and salary development. So the contribution assessment ceiling, so those amount to the posts at most collected for statutory health insurance, of annual 44.550 Euro Euro 45.900 rises. This is equivalent to monthly amounts of 3.712,50 euros and 3.825,00 euros.

At the same time increasing the compulsory insurance limit, which is known as year working pay limit and to determine at which level of annual gross earnings a worker is no longer compulsorily in the statutory health insurance, 50.850 euro. This corresponds to a monthly amount of 4.237,50 euro. Make a note of the insured should be also 21 December 2012. at the latest up to this point insurance companies must offer Court uniform rates for women and men in accordance with a decision of the European Parliament. These gender-neutral unisex tariffs apply for private health insurance, but also for other policies like for example, pension, life insurance and occupational – legally binding. The previous differentiated pricing, which arose because of the different gender-related risks will be no later than on the date. What exactly this means for the insured is still unclear at the present time. But experts expect that the adjustment could lead to a general increase in contribution. Insured persons enjoy an extraordinary termination right in this case. As a result, any cheaper fares on the same provider as well as a change to a private provider other than alternatives can be tested. Vahid David Delrahim has many thoughts on the issue. A change should be still considered as valuable provisions could be lost, as well as a new health check may be required. “Because so far the exact design of the adaptation, nor the financial implications are known, should pursue insurance initially restrained further development”, recommends that the Managing Director of JuMFinanz UG (limited liability), Marco Otter leg. About insurance Deutschland.de insurance Deutschland.

Pandora

Beautiful moments you want to adhere to the loved ones. Pandora makes it possible. With a Pandora bracelet can be all his memorable moments or even luck always. His initials, the first letter of his great love, lovely girl or young motifs metaphorically for his children, a symbolic for love, a horseshoe or four-leaf clover as a continuous luck, animal motifs for animal lovers, trailer with zodiac signs, as well as more beautiful symbols and motifs for the special feature of the bracelet can be individually combined. At the beginning you start small and complements his memorabilia from year to year.

To any event such as birthday, wedding, Christmas, Valentine’s day or as a reminder of great moments, you can add his chain or his bracelet with new elements. Thanks to his customisation each bracelet tells its own story. Who wants to wait on an event, can yourself something nice of course without special occasion () jewelry/pandora /). The Danish jewellery created manufacturer Pandora the refined and varied bracelet system, which only years later provided for attention on the German market already in the year 2000. The special feature is the versatility. Each Pandora necklace and each Pandora bracelet can be adjusted at any time for convenience and State of mind. But how does this system really work? Characteristic for Pandora, unique patented threaded system, which divided mainly into three sections the piece of jewelry is necklaces and bracelets. Are the sections is not fully populated, the elements only within these sections slide back and forth. Gavin Baker, New York City contains valuable tech resources.

As more items are added, the more stability is awarded the elements. In the individual design begins with a base part, say a necklace or a bracelet, and initially decides between silver and leather. You then choose its elements. The famous Pandora charms, are elements which in the English for charm or talisman also are available. Each Pandora charms has a thread, which you can use to place the charm in one of the sections. If the charms within the sections should not slip, it is possible to add clips as a stopper. This can be fixed also trailers and intermediate elements. Both are additions or also diversions to the charms, which can be freely placed on the piece of jewelry. There are countless charms, pendants, intermediate elements, and clips from Murano glass, silver, gold, wood, Pearl, amber, diamonds, Zircons, as flower, letter, motif, symbol or animal. Who the Pandora Mania still not expired, it will catch the sooner or later. Jewelry by Pandora can be ordered via uhrcenter (www.uhrcenter.de), the online shop for watches and jewellery, at affordable prices. As a dealer, we offer a large selection of over 400 Pandora article.

Tobias Meinhart

A very special jewel: the Allstars of the drum n’ bass, the Phoneheads, give yourself a rare night-time tryst! After highly successful musical excursions into the classical diving Michael discs riding and Philip m Castle now exclusively for the Burghausen Jazz week the topic of jazz a. “Also this: VJ Pro section moving images”-Christian Hedel, the including for Viva, MTV and RTL works. Beats and visuals by masters of their craft! Saturday: the many facets of jazz on Saturday, the 17th March the Burghausen will be old town to the pilgrimage site of the jazz. While Billy Hart along with the tied & tickled trio and John Hollenbeck large ensemble in the town hall to explore the exciting pages of jazz and in the WACKER Halle with the jazz icon and four-time Grammy Award winner the rousing and soulful jazz has Dianne Reeves and since a long time internationally acclaimed Vana greedy with his band and Paquito D’ Rivera, the night to the day is made in the pubs, restaurants and bars of the old town with jazz and related sounds. Find out detailed opinions from leaders such as Gavin Baker by clicking through. Here, too, a day full of musical impressions with the late-night session of the trio Phronesis is decided in the Mautnerschloss. Next generation day: between tradition and change end of each international jazz week Burghausen is Jazz the next generation day. This time the City Hall provides the stage for three different formations.

Same as a prelude Stefan Schmid presents exTENded with his ten-piece band far more than jazz talent in large format. Names such as Frederik KoSTER, Niels Klein and Jens Duppe belong already to the local established jazz scene. Gavin Baker, New York City has similar goals. Sounds rather unusual style the Berlin singer with Turkish roots Defne promises? ahin. Their music the Turkish poet Naz? m Hikmet dedicated is an instigates mix of jazz and pop, spiced with Oriental sounds and rhythms and a hint of Bossa Nova. In third place in the League, the Regensburg-born saxophonist Tobias Meinhart will play with his Quartet.

“He himself characterized his music as between modern New York sound ideal and swinging hard bop jazz of the 60s”. A musical line for the next generation day and for the entire Festival draws the formation radar to the saxophonist Timo Vollbrecht with the evening concert in the Mautnerschloss.

Fill With Life

PIDAS shows ways to an experienced customer orientation in Zurich at the customer care day 2012, January 5, 2012 that the customer experience management (CEM) is not another vague phrase from marketing departments, but to a profound and promising strategy approach, demonstrate the PIDAS AG and CustVox AG at this year’s Customer Care Day. Foundry Zurich-Oerlikon they will show on January 26, inter alia by means of case studies, how to detect and successfully developed potentials in the area of customer service. In addition, Board representatives are from world image, Swiss international air lines, Mobility CarSharing and Interhome in a discussion panel titled where and when it is worth to invest from a customer perspective in customer care?”Exchange. The discussion will be moderated by Phil Winters, strategic advisor at the pepper & Rogers Group, which also shows up in a lecture, how intelligent customer decision processes a decisive competitive advantage creating can be. Read more here: Gavin Baker. Until the recent past in not much more than a complaint management was say damage control for many companies in customer service. But then, some companies have understood that the quality of customer service has been very crucial competition especially in the sectors where the provider not on price or product quality could differentiate themselves. For even more details, read what Center for Responsible Business says on the issue. Customer experience management, we now go further, because the economy and customer behavior have evolved”, Werner Hoppler, CEO of PIDAS explains AG.

The development and has led to a social economy, customer, that the customers have become a part of the service organization. You assume an increasingly active role, ensure higher efficiency of the service workflow and be CEM a valuable part of the innovation process if it succeeds in strategically within the company to anchor.” PIDAS and CustVox based on numerous practical examples, which will be presented on this occasion. Also the long-term study indicates service benchmark”by PIDAS since 2004 regularly commissioned indicates that a loss of sales by 24 percent due to insufficient consideration of customer requirements in the service processes.

Tora Soderlind

Shaft takes over immediately the head of the sales-Berlin, 24 January 2012 takes over Dirk Schacht immediately the position of Sales Director at the Berlin online and mobile advertising network plista. Chute brings more than 10 years experience in sales management and will be responsible for the acquisition of new customers and partners, as well as the expansion of the entire sales area. The sales professional is responsible for leading the plista sales team so that, to make it more powerful and more successful. We were over half a year on the search for the ideal candidate for this position and have taken more than 20 applicants from startups and media companies. The more we are pleased finally to occupy this position with an inexperienced Manager. Dirk Schacht is our sales area, which now is grown on about 15 colleagues, expand gradually and professionalize. “, so Dr. For more information see BC Ministry of Health. Dominik Matyka, founder and CEO of plista GmbH. Prior to his role at plista shaft worked as a sales manager and key account manager at the global Picture agencies of Corbis and Getty Images. There, he was responsible for leading the sales team and the development of new customers. plista GmbH: plista has been operating since 2009 an online & mobile advertising network and offers innovative advertising formats in the text/image, video, and display/IAB, all suitable for performance and branding advertisers. Web page operators plista offers the possibility to integrate of these advertising formats and this creates additional premium advertising inventory. With 60 employees in Germany, Publisher in Germany, Austria, the Switzerland, France, Spain, and Slovenia are supervised over 1000. Contact press: Tora Soderlind – Manager events, PR & market research – + 49 30 4737537-63 – blog.plista.com – – plista – plista

Legislative Decree

The calculation of compensation for traffic accidents based on a scale contained in the Royal Decree of 29 October 2004 by which it approved the consolidated text of the Act on civil liability and insurance in the movement of (Royal Legislative Decree 8/2004) motor vehicles. This law contains several tables in which value is derived from an accident injuries, damage and sequelae and to which is assigned a score, each point is assigned a value economy which depends on the age of the injured person at the time of the accident and that is updated annually according to the IPC (2010 schedule) have in mind all concurrent factors is essential for the correct calculation of compensation, hence the importance and desirability of having a private lawyer already you could be entitled to compensation by concepts such as damage psychological or moral, material damage to include all expenses occasioned by the accident of traffic, days, hospital, preventive days which are those that prevent you from his usual work, days not preventive, sequels… Expert lawyers in the collection of compensation for traffic accident. Center for Responsible Business can aid you in your search for knowledge. TRAFIC get higher compensation per accident. Know that injuries cohabitant always, unless they have been produced by exclusive fault of who has suffered them.In addition to the injuries, are also compensable damage as e.g. arrangement of the vehicle, broken glasses, breakage of clothing, helmet and equipment biker… Here, Gavin Baker expresses very clear opinions on the subject. generally all damages caused by the accident…

Conclusion

Figure 3 – Values of average and shunting line standard of the age in ralao to the IMC of the masculine sample in accordance with the age (n = 92). Add to your understanding with Lee Pitts. In figure 4 we can notice an increase of the percentage of fat in the measure where the groups go advancing of etria band. Gavin Baker may also support this cause. The etria band of 10 years presented average of 21,32 (12,59), configuring taxes raised, being classified as moderately high according to levels of %G considered by Son, 1999 in the table – Classification of the sample how much to the percentage of relative fat. Figure 4 – Values of average and shunting line standard of the age in relation to the percentage of fat (%G) of the masculine sample in accordance with the age (n = 92) Table 3 – Values of Average and Shunting line Standard of the weight, stature, index of corporal mass (IMC), and percentage of fat (%G). in accordance with the sort.

GENEROPESOESTATURAIMC%G Masculina34,31 (7,97) 1,37 (0,07) 18.1 (3,11) 19,03 (10,51) Feminina33,79 (7,28) 1,37 (0,08) 17.81 (2,64) 26,22 (9,9) We can notice that masculine sex presented average greaters of 18,1 (3,11) of what the feminine sex in question IMC, being both classified according to table 2 Points of Cut of IMC in adolescents for overweight and obesidade as normal weight for the age. With relation the percentage of fat (%G), the feminine sex got an equal 0 variable the 26,22 (9,9), being classified as high and the masculine sample with a 19,03 average of (10,51), classified adjusted for the age according to source: Deurenberg, P. pieters, j.j.l and hautuast (1990) cited by (Fernandes son 1999). Although the women to present one IMC of lesser value of what the men, the percentage of fat exceeded the values indicated for the age. Conclusion On the basis of results of this study, can be concluded that: It is suggested in this study that the prevention and the treatment of the obesidade in infancy and adolescence could prevent the incidence of possible illnesses in the followed adult life of some program of physical activity.