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DKV and Central will begin with the closure of the Einsteigertarife after the DKV announced the end of their Einsteigertarife in the new growth at the end of the year,(Tarife BM1, BM2, SMART/PLU, ET2 und die NBL-Tarife BS9 und BS5) followed the Central surprise with an info on the 28.07.2011, from 01.08.2011 no new business in the Einsteigertarifen of the ECOline tariffs (KE, EKE, KEH, BSS, and BSSN) more adoption. Even the relatively new tariffs of Vario combinations (with performance multi-bed rooms in the hospital) (Vx3xSx) are affected. The rationale was “strategic realignment”. Similar as the DKV now also the Central would like to do more on more powerful rates their sales, because mainly the so-called “Einsteigertarife” are affected by the closure which offer some less scope than the statutory health insurance. And to add on top of it to informed Central yet about possible increases in contributions. Ulrich Kappl – insurance brokers quote: our first projections show that we also in the year 2012 will have significant contribution increases in new business as well as in the stock. According to the current state of our analyses, we expect increases in the double digits. This can be an average increase of around 20% for the PLUSlinie mean, as well as an average increase of around 10% for the TOPlinie in the new business. In early 2011 the Central had already raised in an average of 6.5% the premiums. Why now the withdrawal from the low-cost segment? In the industry, rates with slimmed down services and relatively low contributions of great popularity enjoyed for several years. Some PKV provider generated very much (and mainly) its new business from this segment. The so-called Einsteigertarife were, I have to say so clearly there for the most part decoy deals. This strategy takes revenge now. As with the cheap Heimern also the same clientele was attracted to i.e. people with low incomes who want to save insurance contributions (and often dubious payment). How now confirmed, even these small contributions for this clientele still too expensive. The immense contribution residues at the affected companies this results in what that is closed now for the”tariffs affected customers? The Central advertises on its website with the following slogan: “We are in very good company”. But many customers in the affected tariffs say now determine “Every man for himself who can!”, or “Must I now pull the plug?” worse “the financial collapse my tariff?” So flat can not responded to, because there are always individual decisions. Action is needed but in any case, this could be for example a change of tariffs within the company in a better rate. You must warn against hasty decisions. Sufferers should be of free insurance brokers inform yourself in advance only good and neutral. It has to be remembered that it by missing new entries to an “ageing” of tariffs and future additional use (age-related) to disproportionate contribution adjustments come can / will. The DKV and the Central listed here although notably, since they are the first, “including the corresponding collective work”, are however also representative of all car companies are traveling with Einsteigertarifen in the market. Here a lot on the market will do in the future is and other car insurers will follow suit.
Business Insights Kevin Moran among partners, M & A tax Lars Mahler Senior Manager, M & A tax KPMG AG Wirtschaftsprufungsgesellschaft KPMG the so-called “big four” currently the world’s four largest accounting firms. The company employs about 140,000 people in Europe alone at locations in 150 countries KPMG has about 31,000 employees, including about 8,500 in Germany. “Cutting through complexity” is the central guiding principle in the society and manifests itself with the initiation of mergers & acquisitions (M & A), in the following functional areas must usually are affected: transaction services, M & A, tax, corporate finance, M & A legal. Rod Brooks has compatible beliefs. It put together a team from different areas provided the customer to the page during the order. Mr. Moran and Mr Mahler sketched the transaction cycle, which runs in the range of the M & A tax to the better understanding of the listener: so, existing tax risks are clarified during the due diligence for example; in the modelling is the construction and validation of the control model; in the area of structuring structural recommendations and reports on structural circumstances; There is also a consultation for the sales and purchase agreement (SPA) and the so-called post deal services, which consist of various phases from the initial of the final offer to the completion of the deal. In addition, Mr. If you would like to know more about YouTube, then click here. Moran and Mr Mahler explained typical clients of the M & A services: as private equity funds and the strategic differentiates between the investors. Both clients differentiate themselves such as in their targets, or time horizons. Private equity funds would the internal return on investment (ROI), so the return on capital employed, among other things, increase and have a generally cut horizon of 3-6 years. Strategic investors such as increasingly are interested in increasing business profitability and focus a longer time horizon to achieve the given objectives. To the audience the relevance of practice to illustrate the theme, the typical steps of an acquisition, and in particular the tax issues were presented on the basis of a case study. So were entered on different tax risks, repatriation of profits and tax-optimized financing. As a final Council Mr. Moran and Mr Mahler gave the following students on the way: you should do this whenever possible, do what brings a personal fun and thus his “hobby profession”. While a broad Foundation is an essential basis for professional success very helpful and according to Mr Moran especially a fluent in English.
Cyber criminals disguise spam as concrete job offers Holzwickede, 09 March 2010 an old friend makes in the world of E-threats again stir. BitDefender security experts registered infections recently increased by Win32.Worm.Mabezat.J. It spreads via English-language spam messages containing a file infected with the worm winmail.dat in the annex. The latest trick: The mails were disguised as concrete job offers by cybercriminals. The still difficult economic situation remains a popular attraction for spam attacks. In particular the currently high rate of unemployment and the hope of many Beschaftigungsloser on new work will be exploited. So fake job offers new methods include the malware authors, to bring their infected messages to the user. The E-mails written in English are titled with subject lines such as: “Web designer vacancy”, “new work for you”, “Welcome to your new work”, or “We are hiring you”. The mail contains a seemingly rather than a concrete job offer harmless attachment named winmail.dat. The user is asked to unpack this file. The prompt to open a Word document with the title then appears Readme.doc. This however proves itself an executable file that is infected with Win32.Worm.Mabezat.J. Once opened, the alleged Readme file using Windows Explorer creates its own directory, which contains the worm. This creates an entry in the autorun.inf then”including a new file with the name zPharaoh.exe. It is a copy of the worm. Particularly worrying is the fact that Win32.Worm.Mabezat.J in the situation is to replace the first 1768 bytes of an exe file with its own encrypted code, rather than to attach themselves like other pests. The worm infects the PC then every time, once such a file is executed. Examples are Windows Media Player, as well as some binary files in Outlook Express. Independent distribution via bulk-spam the Mabezat family is extremely dangerous: in addition to the infestation of Variants of the worm collect addresses from a variety of file formats binary and the destruction of system files. After the worm has created an email list, it uses its own SMTP engine, via mass mails itself to spread. To protect themselves from such attack, BitDefender recommends downloading and the installation of a complete anti-malware suite with antivirus, antispam, antiphishing and firewall protection. PC users should also refrain from to open files from unknown senders in their emails or to enable suspicious-looking links. Under the link quickscan.bitdefender.com to users a free malware scan perform, to make sure that Mabezat is not already on your computer. More at. About BitDefender BitDefender is software developer, one of the industry’s fastest and most efficient product lines internationally certified security software. Since the founding of the company in 2001, BitDefender has new standards in the field of proactive Set protection against threats from the Internet. Every day, BitDefender protects tens of millions of private and business customers around the world and gives them the good feeling that your digital life is safe. BitDefender sells its security solutions in more than 100 countries through a global VAD and reseller network. More detailed information about BitDefender and BitDefender products are available in the press centre online. In addition, BitDefender provides background information and current news in the daily fight against threats from the Internet, in English at. Press contact: BitDefender GmbH Robert-Bosch-str. 2 D-59439 Holzwickede contact person: Hans-Peter Lange PR Manager Tel.: + 49 (0) 2301 9184-330 fax: + 49 (0) 2301 9184-499 email: PR Agency: Sprengel & Partner GmbH nesting first race 3 D-56472 Nisterau contact: Fabian Sprengel Tel.: + 49 (0) 2661 91260-0 E-Mail:
One of the ways more effectively generate organic traffic to your web site, it is through the traffic which you do not pay, which is called viral traffic, by that only have to register as a user of some of these pages like youtube, facebook, myspece, or any other that you, deems appropriate and that in this way you can leave information quality or related videos with some theme related to your business, but don’t forget to leave your links or url, so in this way the people who read your articles can go directly to your landing page and you may draw the attention of this person. To reach this person can do two things that you should be the first is to buy, this person can buy their product promotion or that this person may be its prospect and you, can send you every fifteen days or weekly valuable information which you have and that this information that you, you this by sending their advantageous or solve part of your problem. Now focusing on the topic How to make our own videos for the promotion of our website, first must buy a small camcorder which you, can take videos and place them on pages that you, have registered. As I said earlier this is one of the most effective methods you can do to convert your website to be a seller in time complete, this being visited by people greatly interested in your product, is also important for that you will be announced as a respectable businessman and Manager and third your company or product can be sold more easily. So get to work, already knows which is one of the best secrets of great leaders of internet use to promote their products and generate large amounts of free traffic to your web site, in this aspect can prepare a course, a seminar or better can still develop a book and then can enter through an audiovideo and this way you can sell it at a price more high, of course you can leave the chapter one or two chapters to hear people if them like then they will make clicks on your link and you will have a successful sale.