The New Investor Forum – Page 58 – A part of every personal, financial strategy

Diablo III

November 23, 2014

The famous Blizzard is working on a new series of RPGs, which seems the foundation of the genre action-RPG. Playing Diablo III will not any time soon. Exit Diablo 3 has not yet appointed. However, there is already a lot to see and what to tell. So, what hides itself in upgraded corridor system diabolical maze? The starting point is almost the same, but the combat system has considerable changes. Previously, every time the hero should be away from a fight, consider both the need for it. It in order to drink the water of life. Employees like Blizzard decided to make the fights longer.

From defeated enemies fall to the ground demon guts, as well as areas of life, the augmentation of your character's health. Wide-ranging degradation of local inhabitants of the catacombs is a small degree supplemented by various types of quests like 'Bring Bring', 'destroy the enemy', 'destroy demonic altar', 'Bring out the tourist', etc. For example, you can encounter a company of military, stray from their captain and plaintive squishing their noses. Spend this 'team' to them all the armor in the nurse and get a reward. In the middle of a large number of competitors, which kill your character costs a little blood, there are also some worthy contenders – the bosses.

Among them are the King of Skeletons. Loathsome creature. Attacks other than their own, and constantly calls himself on the side of every detail. Actual number of classes of characters at the moment unknown, but the demo version of Diablo iii consists of three – a sorcerer, barbarian and witch.

Work-life Balance:

November 21, 2014

Kissel consulting, Urbar, supports individuals and companies in the field of work-life-balance and occupational health prevention. Balance for the life of a new Division of management consulting is said Kissel consulting, Urbar (near Koblenz). He helps individuals maintain or restore the desired balance in their lives and businesses in maintaining the health and performance of their employees. Founded the new division according to company owner Klaus Kissel, because the management consultancy specialising in the field of change management in contact with companies increasingly registered: your employees act on the limit. You are approaching their limits.

They need active support in overcoming the challenges facing them professionally and privately, and increasingly, to maintain the balance in their lives. Otherwise a burn-out is inevitable.” The new Division will be headed by Kissel consulting by Klaus Kamati wife, the therapist and systemic consultant Angela Kissel, and management trainer, Birgit Huber-Metz, also works as a coach. Balance for life has developed among other things an online-life balance check, which in its approach focuses on the life balance model by Nossrat Peseschkian. “” “Who fills out the questionnaire consisting of 60 questions online, receives then an evaluation in which of the four areas of life professional life” social life “, meaning, culture”, as well as body and health “currently deficits exist and where consequently action is required. The results of the analysis are then again, if you wish, used as a starting point for the coaching, providing balance for the life.

In addition, balance for life advises companies in the field of workplace health promotion and helps them the balance in life to true a task the establishment and development of a corporate culture of that makes it easier for their employees, according to estimates by Angela Kissel in the personal work of companies gaining importance WINS due to demographic change and the looming shortage of qualified specialists and executives”. Balance for life supports organizations also to provide the necessary skills and know-how their employees that they need to maintain or restore the balance of her life be it by means of seminars, group coaching, or lectures on topics in the field of Gesundheitspraventation. For more information contact interested at Kissel consulting, Urbar near Koblenz (Tel: 0261 9623 112, E-Mail:;) Homepage:). About the work and the range of balance for life you can see also.

The Companies Service Of The Better Betreut Increases

November 20, 2014

With Cornelia Waetke, a further sales expert supports the business customer team Berlin, 16.08.2011. Cornelia Waetke will support the B2B Division of better supervised GmbH as a experienced sales specialist. Thus, the rapidly growing corporate services increased again. Waetke garnered sales already several years of experience among the Basan GmbH and the iQ Company AG. The native Berliner retired to her hometown for the new professional challenge from Wiesbaden. Cornelia Waetke now provides for reinforcement in the team of the B2B area. Together with the project managers of Uwe Obisesan and Gabriele Wieland would they existing successes build on.

Waetke can rely on extensive professional experience. As a commercial Director in the field of marketing and purchasing, she handled imports with Asia. She was also for German and international customers please contact. With their expertise, Cornelia Waetke can support now well-known companies, to allow a better reconciliation of family and professional employees. Waetke is looking forward to the new job.

I’m looking forward to interesting customers and new challenges. Working for better cared for me allows it, to broaden my experience and offers attractive development opportunities.” Steffen Zoller, CEO of the better Betreut is convinced of the commercial quality of the 33-year-old. We appreciate the commitment of Mrs. Waetke. Their extensive knowledge is a valuable support for our company.” About better Betreut Besser Betreut offers TuV SuD tested solutions in the mediation and consultancy by family services, including in the areas of child care, tutoring, senior care, pet care, household and garden. The company operates the largest database of caregivers in the German-speaking area. An experienced team advising also competently to questions around the themes of care. BESSER Betreut helps the better reconciliation of work and family through the company service numerous firms and insurance companies. This emphasizes the active participation as a member of the corporate network “Success factor family” of the Federal Ministry for Family Affairs. Since 2007, the better Betreut supports families in more than 10 European countries. Press requests Stephanie K.n better Betreut T: + 49 30 / 29 36 38-90 F: + 49 30 / 29 36 38-99 m: W:

BPM Management

November 18, 2014

The topCOM process factory demonstrated solutions for an integrated business process management Dusseldorf, 18 August 2011. Heterogeneous applications, large monolithic systems or isolated solutions determine the process landscape in many companies today. Rigid processes and lack of flexibility, ad-hoc changes of markets and external influences to adapt to, prevent an efficient value creation in times of boom, major reactive measures and costing millions of dollars. This according to Gartner can be by BPM (business process management) in the first year of the introduction of savings research by up to 20%, and in many cases, the company can already pay within the first year the introduction of BPM. The company topCOM focuses his trade fair therefore on solutions for an integrated business management of process, to achieve rapid measurable improvements in internal processes and the supply chain without the existing systems to remove or replace.

While the entire BPM lifecycle on a platform is mapped by the modeling and simulation of the system integration and data exchange with external partners to process monitoring, evaluations and reports. Experience live demonstrations of continuous processes of data capture (capturing), via role-based services into portal applications to the initiation and monitoring downstream actions according to requirements through different communication channels or directly to mobile devices. Find out about industry-neutral solutions such as e-invoicing or document2process, industry-specific BPM applications like warranty, spare parts, or incident management to special solutions for the energy industry. Visit topCOM at the DMS EXPO in Hall 7 booth E20 and convince yourself of the expertise.

Sales Management

November 11, 2014

Scheme 1. Segmentation of customers according to the criterion "resistance to crisis "to" unsustainable in a crisis "in the current period is often referred builders and developers. By "supply-demand problem" – auto dealers, manufacturers of heavy machinery, etc. By "financial problem" – Retail Retail and banks. K "Crisis-resistant" – it is too early to assess, but it seems that discounters, collection agencies and legal advisers without a job in any case will not go. It is clear that focusing on more sales managers resistant to the crisis of the segments will ensure greater efficiency and smaller size of sales of receivables. Probably, this approach can be applied not only to customer segmentation at the industry level but also within industry segments, up to explode on the criterion of stability to the crisis all the companies of your customer base. Who is faster dynamic changing market not only consumers but also the competitive situation. Monitoring and prediction of the competitive situation in a crisis you can find answers to some important questions: Which of the weakened competitors should actively capture buyers? From any of the competitors should be expected dumping and for what positions? What "holes" appear in the competition and how they can effectively "play" in his own sentence? Etc. What are the competencies and skills should be developed from the company so that it can effectively take advantage of the described features of the crisis and ahead of the competition? Apparently the following: analytical (Applied marketing and economic analyst) teamwork and cross-functional interaction (Effective horizontal communication between , marketers, manufacturers, economists, etc.), operational formalization and correction of administrative decisions, policies and procedures of constructive Communication with external partners (customers, suppliers, competitors, etc.) Accordingly, we can assume that the faster and better than other potential crises would be able to use the "analytic" companies that have which these competencies and skills are sufficiently developed. During the period of continuous growth, "analytic" companies sometimes losing their more aggressive competitors in the growth rate. Sometimes the inside is even perceived as a "mountain from the mind. " Competitors are also in pursuit of market share were actively opening regional offices, have invested in capacity expansion, building up stocks. The question of effectiveness in this often remained in the background. And now the "analytic" company, not burdened with excess assets and loans can be very effective to use their analytical competence and internal technology. The main thing – do not overdo it with the analysis and planning, and time to act. In the abbreviated form of an article published in the 'Sales Management'

German Football Champions

November 5, 2014

8 of the last 10 winners use ECM products of d.velop paper processes can the requirements of dynamically growing professional clubs Gescher meet Borussia Dortmund, 16.08.2011 – not only at the current German champions, but used in a total of eight of winners over the last 10 years of Werder Bremen to the champions from Bavaria in the clubs of ECM products of d.velop AG. Used especially for solutions for email archiving, invoice input processing and contract management, which have been partially integrated into ERP systems such as SAP and Navision. Typically, their victories, table stands, title, player or coach names at the clubs in the German top football stand in the foreground. But behind it hide now medium-sized enterprises with revenues in the two-to three-digit million euro range. They are not only athletic but professionally aligned in their business processes and organized as a classical company. This also applies to the IT infrastructure, which is why the Use professional clubs increasingly ECM solutions. This includes about E-Mail Archiving with long-term safe storage according to rules-based principles.

The need has increased considerably, because communication with the fans and to the volume of mail – clearly has increased, for example, in the customer service and when the ticket orders for the games -. The digitisation of the invoice input processes furthers similar commercial, as they have about the Borussia Dortmund, Borussia Monchengladbach, Bayer Leverkusen or VFL Bochum in use. You are not least become necessary as a result of the intensive merchandising and thus larger supplier relations. The d.velop solutions product lines d. 3 or ecspand for Microsoft SharePoint provide the digital detection, inspection and exemption of incoming invoices in connection with ordering and financial accounting of the ERP system. Logging each individual processing step, all eligible employees are always informed about the current status. In addition help the faster run electronic processes, for example, automatic delivery of documents to the payment release.

Managing Director

October 30, 2014

The Rurup-rente eziehlt not the desired success. The Rurup-rente should be the breakthrough for self-employed, also state-promoted to build a private old-age provision. For this purpose you can assert namely tax expenditure by up to 20,000 euro per year upon completion of a certified investment product Rurup. What sounds very interesting at first glance, is very unattractive by the many restrictions and conditions, bringing the Rurup pension with. Also the investors see it that, because just 800,000 sold contracts since the introduction of the Rurup-rente is becoming downright the shopkeeper.

A Forsa poll also shows that a large majority of savers with not much to begin the retirement provision product knows how the Handelsblatt”reported. Tom Friess, Managing Director of property consultancy VZ told the trade journal”, that was the main reason for the reluctance is, that the advantage of the Rurup-rente is very difficult to figure out is,. While the cons appeared everywhere. So a Rurup pension may include any one-time payment at retirement, but must be paid as a lifelong pension. Also no collateral and in addition also no inheritance is possible, which makes the product very inflexible. Another disadvantage of very hard is that you can subsequently no longer cancel Rurup contracts. What the legislature, created to prevent entrainment effects, forcing the investors in a too tight corset and that only a few can be adjusted. You will receive free information about finance and insurance at Easyfinanz24

Save Financial Investments

October 25, 2014

It is only a question: invest more in building & renovation as required – or not? Of course, more insulation, better technology cost more. But you also immediately saves more, need not worry more. Cyril had it in a hurry. He stormed at 225 miles an hour through Europe, struck a swath of devastation on January 18th and 19th. The Weathermen had Kovalainen so grim that sturmfrei was proclaimed in schools, factories, offices, shops and railway stations: everyone should have the chance to get to safety.

Actually 46 people – were killed in the storm 12 in Germany. The German Insurance Association adjusts itself to damages in the amount of two billion euros. Kyrill blew politicians, sceptics and procrastinators face the harsh truth: time to save energy, reduce the emission of pollutants, to conserve resources. There will be more and more hurricanes, hot summers, rainy winter. Because carbon dioxide in the atmosphere heats the greenhouse effect – cause of climate change. Cause We: all residents of Germany caused ten tons of carbon dioxide annually a quarter of them resulting from heating and water heating.

Climate experts call for a global average of more than three tons, so the climate catastrophe can be averted. What can I do? Energy savings wherever possible – this is the key to climate protection. , Helps each little savings: turn out the light bulb, energy saving light bulb screw. Switch off the devices correctly. Buy more efficient equipment. Save fuel. The thickest chunks you can afford: particularly energy-consciously renovate and build. Because this Act over the decades. How do I do that? Ever more consistently the following ten construction bids be observed, the more economical the House: A compact form of the House bestows much living space hot lower surface: relatively little heat loss.

Retirement Savings

October 25, 2014

The Wikipedia – the free encyclopedia writes: pension plan comprise the totality of all measures taken to make the other living without limitations of the standard of living after being eliminated from the labour market by assets saving on or acquired rights. Ideally, regular monthly payments can be expected so that the standard of living and the consumption expenditure of the pensioner at the beginning of the pension must not be reduced. Over the years there is to be no limit lifestyle (ideal retirement). It continues! Today’s pension consists of the so-called three pillars”together: pillar 1: statutory provisions (deposits of compulsory contributions to the statutory pension insurance throughout the working life): pay-as-you-go. These include the statutory pension, the old-age pension of farmers (AdL), the professional supply (bps) and the civil service. 2 pillar: Supplementary purchase-based old-age pension.

Includes mainly the company pension scheme, but also auxiliary power supply of the public service (ZoD) 3 column: private pension plan (independent accumulation of equity capital with the possibility of later eating): equity savings plans, Riester-rente, Rurup pension, life insurance and real estate these possibilities are with the application and deposit of cash over a long period of time connected. This means that I must deposit money every month over a long period of time then when reached retirement age, age 67, of can Zehren where the height each corresponds to the amount over paid over the years. Whoever has money for deposits and a long time doing this, can afford even a good retirement and enjoy a reasonable pension existence. Has been shown only in recent years that fewer and fewer can raise the money that would be actually necessary to really enjoy a reasonable pension existence. “” Our today’s young people is already by: I get no pension anyway “, or also a unit pension”, in what amount, is talking. What allows now a pension which not is just by money payments over many years through investment of time in a few months or years? Each available and this brought intelligent time into a project which may have already been building up after a few months or years to a lucrative pension income without big money investment and risk. Yes, and it determines his pension height also yourself in the one more time invested. If you have some time to spare, then another pension solution of interest might be for you. Now you will say: I have no time but! “.” Then you should pay a still more in your private pension and wait until your pension General has arrived. If you but greatly want to shorten your time until then, then take at least the information!

UN Climate Council

October 23, 2014

One should understand the climate change not only as a threat but as an opportunity already \”green\” funds prove that ecological commitment and attractive yields are not mutually. While the demand will increase considerably for climate protection measures in the coming years – because only so can prevent the collapse of the Earth’s heat. The preventable disaster so far submitted three reports the UN Climate Council leave no doubt: climate change can no longer hold on, the temperatures will rise. But emissions by 50 per cent and the shift away from fossil fuels by 2020 in favor of cleaner technologies, succeed the reduction proposed by the experts of global CO2 – just in time for stopped plus 2 Celsius temperature increases can be. A border that will decide the survival of millions of people. But the consequences of these events are technically manageable, assure the climate experts – provided, the efforts in terms of climate protection are also consistently increased as the efforts, the protection to increase before the unavoidable climate change impacts. In this sense, also private investors have the opportunity to engage: keep with investments in funds, the shares of those companies, providing appropriate products and services – as it were the ABS for the safe emergency stop. The vast majority of climate scientists sees a clear link between man-made emissions of greenhouse gases such as carbon dioxide (CO2), methane or nitrous oxide and the rise in global temperature – and the resulting increase in severe weather events.

Consequently, the reduction of CO2 emissions in particular is now deemed most important measure to the climate catastrophe are not climate change. Also in the United States – decried as often as the motor of the greenhouse effect – this view is becoming more and more. The ten largest enterprises of the country, to reduce US emissions of climate-changing emissions by 30 per cent and to 2050 even to 80 percent by 2030 as demanded at the beginning of the year.