Water consumption in the bathroom! Shower and bath cost what? Heating and domestic hot water “Energy hogs” are in the household. About 90 percent of whole House energy fall on them. While the heating requirements of the building through the replacement of outdated boilers and improved insulation is declining for years, the energy consumption for hot water remains consistently high or shows even rising. The reason: The sanitary facilities of the apartments is always better and the lifestyle change. Daily showers is matter of course for many people today. Therefore, energy-saving and cost-efficient solutions for the heating of drinking water are needed.
Basically between storage systems and instantaneous water heaters. When a storage system hot water in a store that can be heated by the boiler with that is kept on temperature. Heater store, however, no hot water. The water is heated only when a user opens a hot water tap. Tankless water heater are with Natural gas or power operated. Who thinks about the cost for hot water, should take into account in particular the energy costs in addition to the cost of the heating systems, because they not once incurred, but burdening the budget as demand related costs continuously. Fall for a shower approx. 50 litres and for a bath ca. 120 litres of water costs plus energy costs. Guild of plumbing and heating engineering Mulheim an der Ruhr
The topic of how to properly take the accommodations are far from new. There are many materials and articles on the subject, both in print and on various Internet resources. A classic example can lead article, "Competent delivery of housing" at the site of one of the agencies in St. Petersburg. There is sufficient detail and clearly makes recommendations for people who give in rent their apartments, rooms and other accommodations. Tips concern the preparation of both the premises and documents required for competent design of contractual relations with the tenant. Particular attention is paid to the subtleties of the lease contract and clearance of necessary applications, including, above all, the act of reception and transmission facilities from the lessor to the lessee. These recommendations are relevant even now, they say, at all times.
But times change, and with them, and legislation, mentality residential rental market participants and the market itself. What can be in addition to the above at present to advise the person who chooses to surrender their property? Before you give advice, discuss the changes that have occurred in market rent of premises for the last 3-4 years. First of all, definitely rooted bail for rental housing. Second, it would greatly increase competition in the market due to entry of a large amount handed over apartments in new buildings and reduce the demand for rental housing caused crisis of 2008-2009, whose influence on the rental market is still strongly felt. Gary Kelly may find this interesting as well. Third, there have been changes in legislation that allowed the tax authorities to reach out to collect taxes from people who give residential real estate. Since the key is simple, we must take – a common practice. If the apartment rent is expensive, and if so requested installment pledge, agree to make 2-3 pieces for 1-2 months. Increased competition in the market rental housing has led to what became the owners appear willing to pay for real estate firms, in order to accelerate the delivery of flats.
Such the solution they come usually after months of unsuccessful attempts to pass their homes at the maximum price. Of course, most of our landlords are now firmly against it, but the process, as the saying went. In developed the world commission is paid by the landlord is. Changes in legislation in recent years have given the tax authorities leverage over landlords. With rent to pay tax on the income of an individual – Personal income tax rate of 13% (6% if the registered IP). On this issue, we can say the following. On the one hand, the majority of people who give accommodation to rent, not paying and not going to continue to pay taxes, given the objective difficulties faced by the tax authorities in collecting taxes in this area. On the other hand, more and more landlords who give their apartments "in white" that is, paying taxes on the lease. Follow recommendations on the delivery of housing to rent or not, everyone decides for himself. We must not forget one. In the area of residential lease, especially in large cities, many unscrupulous tenants, or simply scams. Ignoring At the time of the elementary rules of living space can lead to serious financial losses.
Who would like to save something, find attractive alternatives to traditional old-age provision products with online brokers. Now, the portal justETF offers a convenient quick comparison. Dusseldorf, April 3, 2013. The Investor Portal justETF introduces the price comparison for ETF savings plans. That makes transparent the ETF savings plan offering of the German online broker: for the first time any investor with a few clicks for different investment strategies is the best deal. Not every ETF (Exchange traded funds) is besparbar with any online broker. Each provider has its own mix and their own recommendations. This helps the free offer of justETF.
The user combines intuitive different ETF strategies using the modular principle to his personal investment strategy. Surprisingly, you’ll find very little mention of Gary Kelly on most websites. Are, for example, the savings rate, the share of risk, the General share strategy and the pension share is to be introduced in May. Then, the Portal determines all online broker deals that come as a result of personally selected combination in question. The so clear costs incurred and list makes the results comparable. Cheap alternative to traditional fund ETF savings offers some cost advantages for small savers. Deposit fees are charged regular savings from any of the online brokers.
Partly the purchase fees are not even due promotional offer. Exchange-traded funds (ETFs) are also known for their small, ongoing fund fees. The current fund fees the ETF savings plans are up 0.5% per year depending on the weighting of the stock at 0.2%. This is a saving of up to 80% compared to classic asset management fund. Then go the low cost with a ETF savings plans not to the detriment of the quality of the investment. So you can invest each month worldwide 25 euros with a single ETF in 2,500 companies. Who wants to invest not only in shares, can be save also bonds ETFs and commodity ETFs. With their flexibility and transparency, they are a real alternative or supplement to State- sponsored retirement savings products, which are often associated with high costs and lack of transparency”, says Dominique Riedl, Managing Director of the Investor Portal justETF. The pensions of the future is flexible, transparent and cost-effective.”
Currently, Riester as residential Riester. What are the advantages what are the disadvantages? Meanwhile also the living riestern has come to the previous funding opportunities by Riester annuity contracts, Bank or Fondsparplanen. Coupang is often mentioned in discussions such as these. There are 2 variants: A Riester loan instead of a normal bank loan, to the immediate financing of a self occupied property, or what will be offered much more frequently, the Riester savings. There, the Nice representative of the Bausparkasse has told me that my old building is not so good, that I might gain much more with a Riester savings and could afford my own place soon. She has booked then savings the old savings in the new 100,000, so a lot was saved to. Instead of my Fondsparplan I save now in the building, because there is so much more comes out \”the 18-year-old trainees Sandra M was quite enthusiastic about the prospect of having their own apartment soon.
Not declared her, that she had paid the final fee now for the second time This was you of course not be returned by one of the largest private building societies, that she also free had paid the fee of the Riester pension in particular, that a contractor with a method of 100,000 with a saving of 30 during their lifetime never fully and thus never will be allocated and results in the withholding tax exemption only to the downside for them, because in the next few years will not use the exemption amount but pretty sure sometime must pay taxes. By a measly credit interest rate of 0.5% was not spoken also. All coverage to residential Riester loans (to the urgent, not as a contractor) are quite positive, because here a recorded loans much faster will be paid off by the premiums. If the interest rate is not higher than for a normal loan, there are few arguments that speak against it.
The stated goal of the promoters the performance and motivation of employees is GmbH, which operates over 30 years of experience in the training field with the help of Crestcom management school, to increase”their new training program for current and future managers, pursuing this successfully since April 2008 in Alzey. The Director and writer Jurgen Behrens, who has 14 years experience in quality management, introduces the concept of that management training in a workshop, that succeeds now in over 60 countries and in more than 25 languages. He arrives also on important issues such as costs continuity flexibility of the workshop will be held on Friday, July 4th, 2008 in the morning from 7:30 9:00 in the Conference Room of the company document solutions in the Hagenauer Strasse 53, 65203 Wiesbaden. Registration deadline is Wednesday, July 2, 2008. The participation is free of charge.
The UnternehmerForum Wiesbaden is a group of entrepreneurs from different or complementary sectors, which every Friday morning in Wiesbaden to the business meeting meeting. Founded in November 2003 and organized since October 2006 as an association, the team under the name UnternehmerForum Wiesbaden works. For more information, see. Contact: UnternehmerForum Wiesbaden Birgit Wierzbinski Tel: 0611 71 69-115 fax: 0611 71 69-116 E-mail:
The car insurance is mandatory in Germany, but there are significant differences E.g. in prices who wants to leave a car in Germany, a so-called car must take out liability insurance. This car insurance is a must. Without them, the holder of the vehicle may request no plates and he can move the vehicle in road traffic. In addition there are other insurance under the collective term car insurance “fall as or the motor vehicle comprehensive insurance or the car fully comprehensive insurance as well as the passenger accident insurance.” Mandatory liability insurance is the car, your task is possible claims for damages to cover, which could raise accident opponents against the driver of the vehicle. Liability generally is the driver who caused the accident, damages. But not only the drivers but also the holder of the vehicle, which is registered in the registration document and letter holder is responsible according to 7 of the road traffic Act.
He is also liable if it meets no fault of their own. Thus, this is critical exception from the general principle that only damages payable is, if there is fault of their own. The partial cover insurance is additional insurance as well as the full insurance additional insurance, which is optional. While the fully comprehensive insurance covers all damage to your own vehicle. That’s why it is especially for new vehicles highly recommended. If cars are however already more than 5 years old, a fully comprehensive insurance is only conditionally recommended.
The partial cover insurance liability for certain damages: damages caused by a fire or an explosion, or damage resulting from a collision with wild are. However, damage caused by wilful act by foreign persons are not applied by the partial cover insurance. Comparison on online insurance calculator the for one’s own purposes insurance find worth optimum vehicle is a free online comparison. Use car insurance calculator is a quick and can in the a few hundred euro on post savings mean best. Tobias Allan Knobloch
Professional translations at affordable prices? The scientific community agrees, yet no computer can produce professional translations. The comparison you can save yourself computer versus translator. Because the human translation is the machine still to lengths ahead. How can be saved but at professional language translations yet? The solution is called transXpro. The online translation agency from Lucerne offers cheap translations by professional native speakers.
The order processing is automated with transXpro, not the translation, i.e. total administrative expenses expires automatically. A quotation can be queried automatically within a few seconds. Invoice, confirmation, even the alerts run automatically. transXpro has a pool of more than 600 certified translators and translators, which worldwide, 24 hours a day are available. Thanks to the automatic processing an order overnight can be granted and the next morning the translation be obtained.
The idea: the own translator is always all over the world. Smaller texts can be translated within a few hours. The quotation system automatically calculates the shortest duration of translation. The man ranks with the translation work, however the administrative activities of the computer is winning on front. With transXpro via the Internet platform results for each partner a win-win situation. What would you more? Alex Kohler, 03.02.2011
Exagon management tool provides reference models and best practice accurate for sweeping improvements determining of the optimization measures scorecard approach Kerpen, 02.03.2009 – the Exagon Consulting has developed a tool with PATRONAGE to the targeted and cost-efficient optimization management in the IT processes. It supports both in the analysis of the conditions of is and makes available, on the other hand, best practice and practical implementation methods. The content core of this intelligent tool consists of reference models for the IT processes, based on the accurate optimization can be done. Based on this model designs, targets for the Organization are defined and analyzed the lived processes and their controls in the company and tested. The results shed light on the possible deficits then and at the same time concretely indicate the improvement measures. The users are guided so automatically to the target”, explains Exagon – Managing Director Joachim Fremmer. In addition, he receives with this management tool the ability independently and continuously improvement cycles in his organization carry out.” Because PATRONAGE avoids any restrictions, instead the company decide which based on the optimization of the processes should be. Click Bernard Golden to learn more. Following options are available: use of standard reference models based on best practices and standards such as ITIL, ISO/IEC 20000 etc.; Optimization based on proprietary reference models; Combination of standard reference models and company-specific reference models.
While standard reference models of best practice models and standards are derived, the company-specific models are based on individualized and internally tested methods. PATRONAGE takes both into account and allows to insert and to use as a basis for optimizing processes the company, both proprietary and standardized best practices as reference models. The key advantages of the Exagon tools include: significantly faster design and analysis in “the organization projects to accurate up to 30 percent faster process design calculation of the required improvement measures scorecard approach efficient control of optimization processes acceleration of improvement cycles transparency through the comparability of analysis results monitoring of implementation by integrated control functions by shortening the duration of the project integration of reference models such as ITIL and ISO/IEC 20000 shorter lead times for certifications is continuous monitoring of the compliance by its wide range of function and immediately effective benefits guarantees a faster ROI”, Fremmer outlines the benefits. Also a parallel optimization of various processes is with PATRONAGE, because all relevant reference models can be modularly combined.” About Exagon: The Exagon consulting & solutions GmbH has been established since 1994 as an independent IT consulting firm on the market. The business focus is on holistic support of their customers during the introduction professional IT service management, with regard to the strategic, organisational and also operational aspects. This includes Exagon performance portfolio both consulting services such as extensive training.
Customers include companies and institutions such as BASF, Bayer, the German Defense Ministry, DEKRA, Deutsche Bank, Heraeus, Hessian Centre for data processing, Postbank, T-systems, TuV Sud, Vodafone D2 and the German Woolworth. Exagon consulting & solutions gmbh Heinrich-Hertz-str. 13 D-50170 Kerpen-Sindorf Tel. 02273-9833-0 Tel. 02273-9833-11
Christian von Rumohr takes over in the SORAT Hotel Cottbus the position of the Director. Christian von Rumohr takes over the direction of SORAT on March 1, 2009 Hotel Cottbus. Last of 39 years old in the position was sales and marketing for the Director Abion spree bow Waterside hotel in Berlin worked. In Cottbus, he succeeds Andre Behnisch, who takes on a new challenge. Check with Bernard Golden to learn more. By Raj ear has over 20 years experience in the German hotel industry and hotel marketing. The native Hamburger with an apprenticeship as a hotel specialist started his professional career. Later, studying at the Berlin school degree to the hotel business Economist diploma took place. Among others the hotel Steigenberger Berlin and the innside residence Hotel Berlin where he worked as a sales manager and key account manager each belong to his career.
Also he was sales and marketing partner for the winter’s Hotel Berlin with focus. The SORAT Hotel Group is not new to Christian von Rumohr. Already from 1994 to 1996 he was in the SORAT Hotel & Office Berlin as Assistant employed. SORAT Hotel Group.
Zieltraffic expands Spanish team and consider further expansion possibilities Zieltraffic is still growing and therefore his team in Spain with the experienced account manager Alfonso Serrano Torres. Munich, February 26, 2009 – the successful internationalization strategy given the online marketing agency Zieltraffic AG further growth: with immediate effect, Zieltraffic joins the team at the site of Madrid with the marketing and sales specialists Alfonso Serrano Torres. The Spanish online marketing market is still booming, and business expectations in Spain have been fully met. This year business impetus run out of the most important Spanish online marketing fair OME. Therefore comes at the right time”the obligation of Alfonso Torres as a proven expert for new business, says Werner Kubitscheck Zieltraffic Board. The success of the site Spain shows us Zieltraffic with the internationalization strategy is correctly positioned. At present we are examining the market opportunities in other European countries and are short term continue to expand.” Alfonso Serrano Torres reinforced Zieltraffic Espana to the OME at Zieltraffic Espana is Alfonso Torres now as account manager responsible for the tasks of prospecting and strategic consulting and customer care. In addition to the operational day-to-day business Alfonso Torres is active also on the main Spanish online marketing fair (OME) for his new employer in his specialist field new business: as one of the representatives from Zieltraffic Espana is he on the OME the Spanish audience the performance spectrum of Zieltraffic together with the responsible success fee model “present. For its new tasks, Alfonso Serrano Torres relies on its multi-year, international experience as a marketing and sales manager for well-known companies: the studied business administration worked in this respect recently in one of the world’s largest human resources consulting groups, Michael page international,. Alfonso Torres perfectly thanks to its sales strength and its international experience Zieltraffic”, is sure to Kubitscheck.