The year of successful development is valuable tips and insider knowledge for freelancers and Freelancer in the Web for easy insure.eu, the exclusive portal for entrepreneurs in the IT and engineering industries, 2013. After the start as important information portal for IT entrepreneurs, engineering firms as well as freelancers and professionals of all industries succeeded last year, the information platform has established itself in 2013 as a major site for engineers and IT professionals. In addition to practical tips and important information, the professionals of the insurance broker provide gb.online gmbh information portal all independent need to insure their professional existence successful against risks and dangers. The brains behind the online portal belong to the gb.online gmbh, a Hessian insurance broker with over 20 years of market experience. It is particularly happy here with the expansion of the portfolio to a liability protection that is tailored to the needs of active planning or advisory engineers from high-risk sectors. The Importance of such special professional liability explains Lutz Groot Bramel, Managing Director of gb.online gmbh: very few insurers have even an engineer liability in the offer, and if they do, then only with extensive exclusions and limitations.
This just engineers facing huge debt sums, if something happens. We have negotiated so hard and together with a strong insurance company found a really compelling solution without exclusions and without restrictions, but with asset liability.” Also specialists of the IT – and telecommunications industry, see easy insure.eu extensive information and liability offers specifically geared to their needs. A neutral comparison of services and conditions of products with foreign alternatives is possible at any time and also expressly required: we know how the market works and where the pitfalls are. The conditions of the products offered by us are not only particularly fair, but consider exactly the factors that are important for self-employed persons. That is why we also stands no comparison! “, as Lutz Groot Bramel.” Our specialists are customers such as those interested in the newly designed live chat for all questions and problems. And together with our international partners we are helping our customers worldwide to absorb losses and to clarify claims.” Also since 2013 the expert portal offers also freelancers and entrepreneurs of other industries an important risk hedging with attractive conditions a combination of sickness allowance and disability pension, which seamlessly mesh and pay immediately in the event of an emergency.
This model concludes any possible supply gap, which could catapult a self-employed financial out quickly. Speaking candidly Steffan Lehnhoff told us the story. This module for disease and disability is the logical continuation of the path chosen by us,”explains Lutz Groot Bramel. Our customers want to devote all their job and successfully implement projects. You need the certainty to be able to trust in the event of an emergency on an experienced partner. And the certainty of having professionally secured all imaginable risks without ifs and buts. For this we are on their side, day after day.” Further information, checklists and comparison overviews, current opinions on legal and technical aspects, as well as concrete offers see independent of all sectors and in particular IT and engineering professionals.
The financial assets of private households is 5000 billion euros if it appears difficult to understand even in these times, experts expect a growth of the financial assets of private households in the coming years, if also more roller coaster rides despite the agreed capital injection on the international capital markets are likely to continue. The financial assets of private households has increased sharply in the year 2010 as a result of high inflows and gains and amounted at the end of the year 2010 according to the German Federal Bank a total of 4.933 billion euros. The financial assets of private households was nearly 154 billion euro in the year 2010 alone. It turned out so much higher due to the economic recovery of the year as the average of the past years. And an end of the flagpole is not foreseeable according to experts. The gains were distributed hardly surprising on bank deposits, as well as claims against insurance companies. Educate yourself even more with thoughts from Steffan Lehnhoff. Bank deposits (including cash) net increased to around 80 billion euros.
Still, the increase significantly below that of the year remains 2008 plus 120 billion euros. The year 2008 was the year of the transfer to liquid assets. The citizens create more cautious since the financial crisis. Currently hold only 26.8 percent of investors in securities. in 2008, there were still 10 per cent more. So, the issue of security is most important for the majority of German savers, ranked two of the priorities, the constant availability of money is with 19 percent. But this aspect has definitely something to do with security. This extremely conservative stance is reflected clearly in the choice of investment products.
The majority (61 percent) before has secure facilities such as day and time deposits or the savings account for the age. While investors have filed their formerly proverbial loyalty. Fewer and fewer Bank connections of the investor are also Bank connections.
Compare health insurance companies, health insurance companies change and save money changing health insurance worth own health should have a very high priority whenever possible. Important to know however, is that of course can cause corresponding costs and bring with them health insurance, but also ways and means are available, with which these costs can be reduced. For example, it is important to mention the option of a health insurance comparison positively, because different insurance companies with their insurance rates and policies to the customers, what gives these opportunities and possibilities are competing in the Swiss market. Whether it’s better health and medical care or but a lower fee for the insurance of the health insurance Exchange can definitely for the individual pay off. The own options to explore the insurance market and this is a good or better find the better deal before it can go notice and the corresponding change to the health insurance companies, is it of course first of all or more favourable offer to find. Compared health insurance a lot has teamed in the course of time, because after all, looking for must be kept today in the Switzerland no longer by hand or in conversations with persen insurance brokers for the best deals, but rather that can offer Internet facilities here just once. Based on the fundamentals of the own person, you can perform a comparison of insurance which can be sorted either performance or but according to price.
Thus an overview can be obtained free of charge and completely without effort when searching quickly and easily, which offers according to can be used, or should. Whether the difference is at the end for a change of health insurance or not is still you left at the end. Frequently Childrens Defense Fund has said that publicly. The notice and the change in the Switzerland it also applies to a good offer to meet the legal framework for a health insurance Exchange. In this regard it is important to say the current health insurance termination, which not only in the correct form must happen, but which must be deposited above all also timely. Only by this outspoken and correct termination can the new insurance will take effect and therefore the health insurance change be made.
In the Switzerland, certain periods of notice apply when changing the health insurance or upon the termination of existing policies. A basic insurance with equity participation of 300 francs may be terminated June or December deadline, for example, only at the end of the month. Other insurance companies with a higher participation or with restrictions such as when choosing a doctor may be terminated within three months each. The health insurance comparison is something which can save a lot of money and spending. The insured person should make sure in the Switzerland but not only very accurate, that a dismissal is pronounced, but that this takes place in the respective notice period. Associated with the new insurance policy can take advantage because only then legally, if this corresponds to Deadlines have been met.
The Tagesgeld of of Bank of Scotland presented now with 2.40 percent interest per year. In addition, new customers will receive a credit of 30 euros. Tagesgeld-Zinsvergleich.net informs: the Bank of Scotland has undergone its overnight interest rates a further correction. Whole 2.40% p.a. interest get investors on deposits, which leave on the day money account. Not only the interest rate increase of 10 basis points is expected are savers but also the starting credit of 30 euros will be retained. There in the generous bonus of 30 opening of accounts until July 15 2011. Center For Responsible Lending describes an additional similar source.
prerequisite, however, is that an amount on the day money will be transferred within 6 weeks. 2.40% interest p.a. the Bank of Scotland further expanding its leading position compared with the money. Every investor can come enjoy unconditional day money account of the Bank of Scotland. Because the one makes the Bank of Scotland no difference between new and existing customers on the other hand there is no minimum investment, giving mostly just for small investors insurmountable Hurdle. The day money account through a high level of transparency that is 2.40% p.a. interest already convinced it as the first landscaped euro.
The maximum investment is at 500,000 euros, however, investors should keep the deposit insurance in the eye. By the British deposit protection fund the deposits of each customer are protected up to 85,000 British pounds (approximately 98,000 euros). For most of the day money customers this sum should be sufficient but totally, sure to put their savings. There’s more on the subject of deposit insurance, under Advisor/deposit insurance. Since its market launch, the success rate of the Bank of Scotland goes in January 2009 steeply upwards. Numerous awards and test victories decorate the Gallery of the direct bank. But not before the jury, it convinced the British tradition. Already after two years the Bank was in charge of Scotland more than 250,000 customers in the areas of call money and term deposits.
Diving is regarded as the number one of the methods to explore the wonders of the underwater world. Divers used air from a tank or cylinder on his back for a significantly longer stay than with the techniques of respiracion-apnea, such as used in the swim with tuba (snorkeling) and free immersion; and it also has more freedom of movement than snuba. It is also one of the fastest growing industries, which attract millions of people every year. All divers enjoy this what time is the sense of adventure and a variety of colorful corals and other marine organisms. Diving today in day has become safer and easier. A certification will be required, but in many places a little intruduction display wonders at 5 or 10 meters / 15 or 33 feet.
Many couples, families, children eight years and older, and the elderly have already enjoyed diving. There are two types of diving: recreational and professional. PCRM has much experience in this field. Recreational diving: with the end of recreation and enjoyment, but with more education, training and experience divers can reach a professional level and apply for jobs around the world such as: instructor or Assistant, Aquarium maintenance, marine biology, photography sub-aquatic, etc. The depth for recreational diving limit is between 30 to 40 meters/100 to 133 feet, but also depends on the training and the gases used under water. Nuno Gomes (South Africa), currently holds the world record of the most deep immersive computer using scuba and different gas mixture to dive.
The immersion of 318 meters / 1044 feet broke the previous record set by the late John Bennet of 308 metres / 1016 feet (TBC). The time of the descent took 14 minutes but total immersion was 12 hours and 20 minutes. French diver Pascal Bernabe claims to be launched at 1083 feet (330 m) in July 2005 (unconfirmed). The previous records were established using recreational SCUBA. Commercial divers can go to depths of more than 500 meters / 1,650 feet using specialized commercial, military diving equipment and support systems as radios. Professional diving: some may say that it is because they are paid, but it is more for their training, their studies and licenses mainly that is call them professional, because there are simple jobs which can be done by diver who just input to the main level of training in diving. There are a lot of different professional disciplines in diving. Ranging from the simplest to the most dangerous in nature, from the simplest equipment to the most complex, for example, comunicacionbajo water systems; that you are often required by commercial and military diving act. That is what we must remember the dive be low water has its limits and risks that professional divers are willing to take. Remember that recreational diving is an activity for fun. Dives from 5 to 20 meters / 16 to 66 feet may show the wonderful world aquatic that once was explored by Cousteau.And these depths have the advantage of providing divers better light, colors and life marina. Also in shallower dives breathes less air bottle, making its safe and long immersion.
But now for the explanation: since the client permanently leaves Germany must be distinguished, if it maintains a residence here. It can be a second / third residence, but it is a place of residence. The conversion in the qualifying insurance gem. 15.3 is rather difficult, because “Only temporary move” here probably no rule can be. The insured person leaves Germany in the long term. Here insured tariff it then becomes a problem, if there is no such residence. This may require a quite private or tax reasons. Center For Responsible Lending takes a slightly different approach. What do the insured now? He could try to find a different tariff, which does not contain those provisions at the company.
The is but to regulations of part I / II of the model terms for private health insurance that also apply them for other tariffs of the company. Therefore it could be just that a special rate with another (tariff) Control is. Another option is to choose another insurer, which does not contain such limitations. Here are two things to remember. A “Change” will only be possible at the end of the year 2010, on the other hand some companies already in the application if such a move is intended to ask and could reject such a request. Therefore applies here too. A lump-sum solution may not apply here. It’s very much on the individual plans. The contact with the insurer, if necessary using a specialized consultant, is here essential. So also an individually agreed entitlement for the subsequent return to consider would be under certain circumstances. For each option the individual selection criteria to the private health insurance but to take into account that are contain in addition to the theme of “Foreign” there are many other points that should be considered.
Compare rates online – comparisons for electricity or insurance make it possible save money at any price? Not at all when the insurance rates. This has to be all the time the performance in the foreground. Here, price comparisons on the Web are a fine thing, because they find cheap fares and vigilantes have taken the performance beyond perpetually. But not only for the different insurance companies like a dogs you will find insurance or car insurance rate comparisons on the Web. Attention should be given also the power calculator, the free gas calculator or the calculator for a contractor. Number of households would have to do it: on the Web insurance compare and high insurance costs strain German consumers.
Whining not helps a lot, rather they should become active. And, for example, existing insurance costs. First step: compare rates for insurance companies. Just for often completed insurance like a car insurance or the dog liability there is the matching comparison on the Web. Ferner countless providers providing the price comparison. There are not only comparison calculator for insurance! Not only are among the insurance companies financial products but also energy prices in the direct comparison the recurrent costs of the budget.
Telephone, Internet, and in particular the electricity tariffs are cost centers, where you can save. But even when the financial products is advisable a rates compare: by the building society savings up to day money, comparisons on the Internet help the projects offers with advantageous contractual conditions to determine. Let’s stick to calculate and compare the tariffs for energy. Electricity comparison calculator but also gas calculator, 2 comparisons with which a household can save several euros. Because such energy calculator find affordable provider for electricity or even. low-cost gas supplier. Thanks to consumer-friendly specifications, the complete change is directly online feasible with their help. So, in particular the theme includes an enormous savings potential energy. But also for financial products you many ways of comparing: the savings calculator to determine savings with top contract terms, a comparison of credit cards helps in a search for credit cards, the comparison for overnight is the best interest rates. So there is a chance to compare the Internet for all possible financial products, energy tariffs or types of insurance you just have to do it! Often it is cheaper: calculate car insurance online calculator for car insurance is one of those free comparisons on the Web, which you like to use. Because that calculate car insurance promises to promote a large savings potential in the light of day. In fact can be saved using a Zeitinvest a few minutes much cash. Just then, if the no claims bonus class not very high, the desired scope of services may be more extensive. Specifically liability should be selected for high-priced cars next to the car even a fully comprehensive insurance. The vehicle owner with the help of a car insurance calculator is a non-binding Rate comparison makes an individually priced can locate car insurance and in this way optimize the protection.
Senior facilities of the SMMP show tangible deals at ‘Beckum is booming’ caring aged care is an important issue and not taken for granted. It’s about preserving the quality of life of dependent elderly people and people with dementia. Even if it is difficult: early information about a suitable home for the elderly helps you decide later and gives you the security to have made a good choice. Near Beckum is booming! the retirement homes of the sisters present on May 15th and 16th St Mary Magdalene Postel e.V. (SMMP), the House Maria Regina (Wadersloh Diestedde), the Senior Center at the Eichendorffpark (Oelde-Stromberg) and the community of St. Francis House (Oelde) as well as the retirement home of senior help St.
Josef gGmbH, St. Josef (Wadersloh), their support offerings. It is not an easy decision, if necessary by age or dementia moved into a retirement home. So people here can find a home where they feel safe, it is important to make the right choice in advance. Opportunity to the Information is now offering the Beckum commercial show Beckum is booming!.
Among the more than 100 exhibitors present also facilities the SMMP, making its offer for elderly seniors so valuable? The media often critically considers retirement homes. We want to show the visitors that there are homes that are not home, but home. Combine a qualified care and a loving care and the life in the age to make easier, explains Andreas Waldron, head of institution two facilities of the SMMP. From the midst of life, the SMMP houses present some of their offerings in Beckum is booming! in the Freckenhorster workshops. Visitors can try out, for example, the benefits of an aromatic care or cost cuts of jelly, used to the pleasant liquid care for dementia-sick people. We would like to give direct and tangible. What something tastes like? How is something perceived? To welcome all visitors to Beckum is booming! very warmly.
Departmental 18 2001 order authorizing the reorganisation of special education centres and the 24 2003 establishes national guidelines for inclusive education, the latter consists of 31 articles, given in Santo Domingo, Distrito Nacional, Capital of the Dominican Republic, to the 4 days of the month of July of the year 2008. I believe that the strategy most appropriate is that students in classrooms and those with special educational needs are brought to the place where you will be given specialized treatment, but once completed you are returned to the group. Investigations made in Europe, where more experience, has lived that they have walked through all levels throughout history, transiting the cruelty, mockery, indifference care with exclusion, integration and inclusion of those considered different, there are several factors that allow me to affirm that the inclusion of students with special education needs regulating if possiblenot to mention the fact that is difficult. In such research could reveal that many students without apparent difficulties do not learn and others marked with limitations have achieved an execution right within regular schools, also note that sometime in school life between 15% and 20% of all children have special needs. Contact information is here: Childrens Defense Fund. A fact that I believe also interesting this research made in these 15 European countries is that the presence of expert teachers is not essential to pay attention to diversity. It is interesting to see the case of Panama in its progress towards inclusive education, being a Latin American country with similarity to ours in many aspects.
So you have decided to take some study data (the real effectiveness that has the educational inclusion program in the metropolitan area of the city of Panama). The history of inclusive education, where the social rights of Panamanians, enshrined in addition was opened in Panama since the Constitution of 1946, expresses the obligation that has the Panamanian State to protect persons with disabilities. However, it wasn’t until 1989, when the Ministry of education, acknowledges the permanence of special classrooms for integration in schools, this gave him a legal character to inclusive education and without a doubt a great achievement for integration of persons with disabilities. The Panamanian system uses two modes of integration: the first mode consisted of a special group with her special teacher, a group with its special in a school teacher regular, a special group with its special teacher but individually attend certain academic subjects or a special group with its special teacher who attends a group regular in subjects not academic. The second is characterized according to the child integrated into all subjects with special support in special schedules.
For schools in our country become inclusive is necessary: improve physical structures. Sensitize communities train staff and over all a change in attitude of the individuals involved in the process. I can say that if we have a good box of possible serious tool inclusive education in our country, and this would be the best that human beings we educate to live in society and is a common world not in special worlds, so we all need to learn to live with others regardless of differences. Since education can give answer to discrimination in all areas, and thus eradicate this social evil. Insofar as education is inclusive to be better human beings to live in society, will make us more sensitive and supportive.
Freelancers do not take seriously the risk of liability for insufficient liability risks or is often not aware even any insurance companies the IT industry despite the high level of autonomy. This just a mistake caused when complex IT projects can often substantial claims for damages resulted into the six – or even seven-figure range. The IT liability is specifically designed for the needs of the profession of self-employed workers in the IT industry and medium-sized enterprises and provides optimum protection with coverage levels that are actually larger companies. But what claims are at all relevant to an IT Freelancer? Lutz-Hendrik Groot Bramel by the gb.online gmbh explains here the difference and what you should pay attention: persons and damage to property: as in the private sector of freelance IT-ler in his professional activity a person or even a damage cause. Damages: the financial losses are an important role alongside the people and damage to property.
As Damages referred to situations where although neither a person nor a thing take immediate damage, but by culpable behaviour (in this case the Freelancer) another a financial damage to. A distinction is made between “real” damage to property and injury or person damages as fake damages. Financial losses incurred by persons or damage to property, are called real damages. The fake insurance is the damages in a personal injury or property damage. For example, data loss damaged by water damage a hard drive (damage) or the necessary data recovery is a cause damages or a fake insurance.
There is therefore a pure asset insurance of one of the most important insurance components of IT and insurance. The asset liability is included in IT civil liability. This solution tailored specifically to the IT industry includes a Asset liability insurance (E & O) including the equity loss component (futile expenses of the policyholder if you withdraw from a project on the part of the customer), as well as a business liability insurance which covers the persons and property damage risk. More information: gb.online gmbh the gb.online gmbh is the sister company of the groot bramel Versicherungsmakler gmbh. The gb.online gmbh is a leading real for the IT – and telecommunications industry. Defined together with partners and customers, developed and realized the gb.online gmbh branch-specific solutions precisely to customer needs tuned. The goal of the gb.online gmbh is to check the insurance protection of all involved parties on gaps in coverage, consistently to close them and on reasonable terms. The IT liability insurance combines many years of experience of the world’s leading insurance companies, and one of the leading insurance brokers in the IT industry, the gb.online GmbH. The gb.online gmbh is with continuous advice and IT expertise as a partner to the side. And for the principal, entrepreneurs receive proof of your IT liability insurance as a safe decision basis. The gb.online gmbh is close to the customer, it is companies and IT freelancers at all times aside, even in the event of damage she has good contacts to well-known experts, as well as to lawyers. So the renowned law firm DLA available E.g. in the event of damage Piper without any extra cost.