HoREX HorExperten ensure learning success in school and up to 50 sounds the human sense of hearing can be distinguished professional in a single second. He provides numerous information and provides important orientation. What importance an intact hearing for the learning in school and study or in the professional life has, is often underestimated. Currently, the HorExperten of the HoREX listen acoustic EC nationwide over 430 Horakustik champion enterprises belong to the inform the elementary relationship between listening and learning. Interested parties have the opportunity to take a free fitness check her hearing in all stores in the community. Powerful and very discreet hearing aids of all price classes for a few days can be tested without any obligation in the case. With them, it can often significantly increased concentration and absorption capacity. Whether in school, training and study or work provides a working hearing sure that we can absorb every day countless information and process”, so Mario Werndl, Member of the Board of hearing acoustics EC HoREX. But anyone who has difficulty hearing or understanding spoken words, which lack important information. And you must endeavor beyond measure to compensate for what was not understood, more or less. It comes to the so-called listening stress, which increasingly affects the performance and our general well-being.” What importance has an intact sense of hearing for our ability to learn, is often underestimated. Schoolchildren, acoustically can follow the lessons, learn not only less; continued excessive demands and failures reduce also the joy of learning and motivation. Also in adults of all ages go unhandled hearing difficulties at the expense of mental fitness. Despite enormous efforts you grew less and less the diverse communication requirements of modern professional life. Current studies have shown even an increased risk of Alzheimer’s for all those who do nothing about slacking their hearing. Anyone noticed difficulties in listening to themselves or family and circle of friends should not put on the backburner”, so once again Mario Werndl. Learning success and mental fitness can substantially increase through modern and very discreet hearing aids. Save their carriers for vitality and performance at school or work. In the shops of our community can be mapped to each free and regularly check his sense of hearing. If necessary, we offer even the chance to test hearing aids of all price classes for a few days without any obligation in the own environment it.” In your area, you can find the HoREX HorExperten using the search feature on. Editorial Note: the hearing acoustics EC headquartered in Kreuztal HoREX was founded in 1995 and is one of the leading performance communities Hearing-acoustics industry. Today, nationwide over 430 listening acoustic master specialist businesses belong to her. The HoREX care professional aims to offer an individual hearing solution people with hearing loss, which focuses on personal hearing requirements and a fair price / performance ratio. The HoREX provides future-oriented perspectives and an attractive shopping policy, extensive marketing support and numerous services, offers in-service training and quality certification to its members. For more information, see
Lehman certificates and disclosure the applicant, who was working as a qualified bank clerk, takes a Bank for damages due to a faulty investment advice relating to certificates of now in bankruptcy of are Lehman Brothers Inc. claim. The applicant maintained a custody account at the respondent Bank, about number series securities transactions have been settled for several years. In 2007, it came to a telephone consultation. Then, the applicant acquired certificates of Lehman Brothers worth 20,000 euros. Here, the Bank received a “donation” in the amount of 3.5% of the principal amount of the certificates without informing it of the investor. In the wake of the bankruptcy of the American parent company, acquired certificates were largely worthless. The Court of appeal has fully affirms the claim of the applicant and he-a violation of disclosure to know. Technically, the Bank had initially acquired the certificates of Lehman brother itself and thereby receive a discount. At the The applicant the normal value was then required resale, which resulted in the profit to the Bank. Even if it is not a drawback, but rather a placement fee, a note should have been done. The Bundesgerichtshof, however, rejects this point of view. A consultancy agreement has come about without any problems between the two parties. This agreement is required to notify the Advisory Bank to an investor – and object-oriented advice. Content and scope of the consultation obligations here depend on the circumstances of the individual case. On the one hand, the knowledge, the risk-taking and the investment objective of the customers and on the other hand, the General risks, such as about the economic situation and the development of the capital market, as well as the special risks arising from the peculiarities of the investment object are relevant. The advice has to contain information that are in the investment decisions of importance. The investor bears the risk that despite comprehensive briefing the investment proves wrong. Against this background, the BGH after had been breached no duty of disclosure. A bank that sells certificates through a fixed price transaction, shall not be obliged to inform their customers, that she made a profit with the returned product. In this constellation, it was obvious that the Bank pursues own profit interests for the investors. It is irrelevant what manner, the Bank realized their profit interests. Since here the purchase order expressly by the Bank “in the way of fixed price business”, was sufficiently clear for the applicant, how the sale was carried out. Therefore a claim for damages not on a wrong advice or information breach of duty can be in the presented case support. In its judgment, the Supreme Court concludes that to differentiate in damages is between various disposal options. Also the personal expertise of the investor can play a role and possibly prevent a claim. Bundesgerichtshof, judgment of 16. October 2012 – XI ZR 367/11 contact Bernd rechtsanwalts GmbH Wilhelm-Weber-str. 39 37073 Gottingen phone: + 49 (0) 551 495 669-0 fax: + 49 (0) 551 495 669-www.bernd-rechtsanwaelte.de manages the Bernd rechtsanwalts GmbH with locations in Dusseldorf, Gottingen and Hannover 19 and represents companies, initiators, financial institutions and investors in all aspects of economic and capital market law. Focus is here on corporate and project finance, in particular the concept of capital market products and the creation of prospectuses as well as the financial services and capital market law, in particular in connection with the enforcement and defense of claims and disputes with the BFin.
“26 Taiwanese businesses succeed on the Forbes list of the 200 best small and medium-sized companies according to a recently issued Internet study of Forbes Asia magazine, the Republic of China (Taiwan) in the international comparison companies the second largest group, the it on the Forbes Asia list of the 200 best under a billion” managed small and medium-sized enterprises. This year, 26 Taiwanese companies achieved a place on the list of three more than in the previous year. Under a billion”refers to companies, whose annual sales between US$ 5 million and US$ 1 billion was ranked. The business fields of the listed Taiwanese companies are very diverse. In addition to the areas of electronics and information and communications technology, for which Taiwan is well known, the areas included also design and manufacture of health food, contact lenses, radio bearing bicycles, textiles and signal connectors, high quality. Were the companies from Taiwan’s services sector, which also made it on the list, a Companies for the treatment of chemical wastes, a restaurant chain and an expert of the funeral. The latter company, the LungYen life Service Corp., and its founder, David Lee, were even by Forbes Asia magazine selected for the cover story of the August 12 print edition. LungYen in Taiwan is very famous for its 20-storey urn Hall in northwestern of Taiwan, and one is used as a storage place for the ashes of the deceased and as a place for funeral ceremonies. The site offers many advantages, such as a communal dining area and childcare facilities on each floor. According to the Forbes magazine among the world’s third largest company of its kind this company regarding capital adequacy. This year managed by 15,000 participating companies 873 on the Forbes list. The companies had to meet several criteria, E.g. the return of average equity, as well as a pre-tax margin of 10% over a five-year period, positive sales growth and positive stock results over the a ratio between debt and equity that is less than 75% last three years, and that the company has been traded for at least a year.
“That our strategy is far more successful than planned, delighted and it proves to me that we have taken the right decisions and are properly positioned for the future”, explains Markus Kiener. Employees are involved involved as already in the previous two years the employees of the Fund financial success of the company the company’s success. Our success is based on highly motivated and committed employees. Therefore it is self-evident that we participate jointly developed success our now almost 200 employees for us “says Tim Broning. Outlook for the business year 2013: profits in the millions expected for the current fiscal year is the Executive Board of the Fund financial again a year marked by upheavals and uncertainties in the market. Yet the profit prospects of Munich are good: our risk management and the orientation of the company to sustainable projects to benefit us. The first two Quarters of 2013 have been very positive. For the total year 2013 we expect profits in the millions,”says Norbert Porazik over the current fiscal year. Business development and the balance sheet of 2012 Tim Broning provides details publicly in the main city fair in Berlin on September 24, 2013 before (www.hauptstadtmesse.de). The audited figures, the management report, as well as detailed information to the business year-end 2012 can be seen shortly on the website of the fund company financial under will be published in the Federal Gazette. The Fund financial Broker service the Fund financial Broker service GmbH is the largest financial broker pool of in Germany. The Munich company is nationwide with more than 26,000 sales partners, 200 employees and 130 regional directors. Financial achieved the funds in fiscal year 2012 a total output of 103.3 million euros. The profit amounted to EUR 7.2 million (profit of from ordinary activities). Finance the Fund provides comprehensive and several excellent sales support for intermediaries in the fields of life, health, property, investments, investment and banking products to 100% free of charge. The Fund financial was founded in 1996 and is independent as owner-managed company to 100%. Owner and Managing Director is Norbert Porazik and Markus Kiener. Status: August 2013 for more information see: