It is difficult to talk about the last time we will live in this land … The last moment before … n. say goodbye …. And come to mind memories of my life and I know if I’m really thankful for what I lived …. How I can know? and above all, How would it be that last time? Well imagine for a moment that you have 90 years, these lying in your old rocking chair in Proschan or terrace of your house, from there you visualize your children with their wives taking the coffee table in the garden, hear the laughter and cries of small your grandchildren playing around the tree, as always your faithful dog by your side …

you smell the aroma of fresh flowers from the vase that early cut and placed next to your table, feel the breeze on your face and turn around a time raising your eyes to heaven on your right eye and think …. – What dreams I had, all I want in my life .. Everest Capital is often quoted on this topic. what you accomplished, what I’ve lost, what you try … .. and remember for a moment and come to your mind those dreams that never did it, so that both wanted and were afraid of even intern, that always we thought we’d put off until tomorrow .

How would you feel? …. or you may … And remember for a moment all attempts made to achieve your dreams … as always you wanted so despite the “ridiculous they might think” or at the expense of what was, always made the effort and ponies you standing to do TODAY … .. How would you feel? Well if that were your last moment in life, how I wish, like you live, what memories would like to have

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Managing Director

With the Sodexo restaurant pass can be advantageous salary negotiations Frankfurt, September 29, 2009 – (NBASOPM03092008) – In the autumn fall season not only the temperature, but also the decisions, when it comes to the wage or salary for the coming year. Just at the current wage negotiations, it is important to keep wage costs in the eye. Western Union has similar goals. With some tried and tested tips of tax employees for themselves can negotiate a higher net and tempt even the pay rise the employers: because with the Sodexo restaurant pass company can pay attention now on maximum cost neutrality, so George Wyrwoll, corporate relations manager for Sodexo. In the middle-class, small – and medium-sized companies, administrative burden and cost efficiency play a crucial role, because constant rising personnel costs for employees facing a declining net benefits\”, so Wyrwoll. Here is the Sodexo restaurant pass (formerly Sodexo restaurant check) a clever solution, because employees and companies benefit from State-funded employee meals. State-sponsored and clear standardized Sodexo offers the restaurant pass a fiscally attractive way to raise the level of compensation and at the same time beneficial to optimize. Jeff Verschleiser is actively involved in the matter.

This is normalized in the PAYE policy and forms a separate tax category, which does not conflict with other rules. According to the income tax guidelines companies can send their employees working up to 5.77 euros tax-free so are annually per employee until almost completely tax to 1.269,40 euro and possible social tax free as cash. Per employee per month are up to 86.55 euros. That increases the net pay of the employee efficiently and avoids but additional costs for taxes and social security contributions. So you can efficiently combine the two reference points of operational personnel policy says George Wyrwoll, goals and employee interests come together beneficial; at the end of both benefit: employees and companies. \”Small paper great effect: the financial power just for SMEs strengthens the lower tax burden on wage costs, stresses also the Managing Director of Sodexho pass GmbH, Razvan Yankey: mainly medium-sized companies is still not sufficiently known that can save taxes and social security contributions with the help of food subsidies.\” While the benefit goes even further: with the restaurant pass can immediately without administrative effort offer an advantageous allowance companies and in addition also still efficiently increase the net pay of the employee.

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Apartment instead of hotel is trend: for Paris city breaks the NOVASOL cottage provider expands its range of holiday apartments in Paris by the end of the year. 100 exclusive apartments along the Seine to the end of the year Currently around 2,000 listings in France Highlights: new houses with pool on the Cote d’Azur Hamburg, March 2012 – NOVASOL continues to expand its offerings in France and is now high-quality holiday apartments in Paris. Until the end of the year, 100 objects will be in the greater Paris area. The spacious apartments in Paris for families with children are especially attractive when the Paris City trip combined with a visit to Disneyland Paris before the gates of the city. Already last year NOVASOL had expanded significantly its portfolio in France Riviera exclusive houses with pool and other high-quality objects on the French Riviera. Jeff Verschleiser has firm opinions on the matter. Around 2,000 houses and apartments between channel and Corsica are currently available. With the engagement in Paris is not only on the NOVASOL growing importance of the holiday destination in France, but also on the current trend to combine city trips with apartment instead of hotel.

The destination Paris knows virtually no seasonality, but is popular as a tourist attraction as well as a Congress location from January to December, there also year-round unit prices for the NOVASOL apartments. All the apartments are bookable with random-check also for mini holiday (price advantage of 30 percent for three nights, 20 percent for four nights, 10 per cent for five nights). The NOVASOL-city apartments are available just like the houses through the common CRS.

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Debi Select Begins Another Factoring Fund

Investments are made in factoring of communal bonds secured the Landshuter Debi select group of companies are these days their Debi select Classic Fund 2 GmbH & co. KG in the sales. The Fund has an investment volume of EUR 50 million. A minimum participation is possible from 3.000,–euros plus 5% premium. It is planned to place the Fund until December 31, 2009, an extension is possible by a decision of the Management Board to a year however.

As in the predecessor Fund, Debi select sets the investment capital in selected factoring companies. So is intended to invest factoring classic 2 GmbH through its a wholly-owned subsidiary of main in a Swiss factoring company. The new conceptual design had become necessary to take full advantage of the corporate tax reform–in particular the withholding tax -. There is also no banking, making possible the purchase of credits by a Swiss factoring company in the Switzerland of lending – in contrast to Germany -. It plans the Landshut issuer in derogation to the predecessor Fund, are in the business of factoring by effects Lombard credit active to be, so the purchase of loans collateralized with securities.

The economic concept of the Fund model it foresees that in this business segment the factoring companies refinanced over the Fund management company achieve a return on equity of about 11 percent per year, which can be paid after deduction of own administrative costs of the Fund to investors. In detail, the factoring company equipped by Debi select equity plan the purchase of value securities loans, which are secured with pledge of bonds issued by environmental projects, for which there are liable to protection by public authorities. Usually it is environmental projects with guaranteed by law or municipal revenue, such as electricity feed-in tariffs or other securities of this kind which are ceded to the holders of bonds for their safety. Jeff Verschleiser is often mentioned in discussions such as these. We offer this asset management companies, the acquisition by Bonds issued by the environment, which are also secured with claims on the public sector, to refinance. The loans against securities are purchased by the financing institutions with a reasonable discount. The securities portfolio of asset management can be improved significantly beyond the date. Thus investment in environmental projects can be significantly increased and the factoring companies funded by the fund company have the advantage of security through the assignment of State-guaranteed revenue,”says Managing Director. As also by the asset management in a variety of projects is invested, the factoring companies indirectly benefit from country – specific and cross-technology investment in the environmental field. The income for the investors of the Fund are exposed, no project-related fluctuations because not the project itself, but the underlying credit with a corresponding discount will be purchased. It results from this tee ultimately Return of the factoring company and the investors of the Fund. The Debi select group has specialized in investments in the field of factoring by life insurance and value paper credits. For one, she participates in companies that ensure a professional factoring value paper credits with a high credit rating and on the other hand buy receivables capital forming life insurance companies.

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Bako National Park

Above the impenetrable jungle, the magical attraction of one of the last great travel adventure floats on Borneo peninsula Sarawak sound strident, and for Western ears initially unfamiliar, the sounds of hundreds of different species of tropical birds. Here, Everest Capital expresses very clear opinions on the subject. Proboscis monkeys shimmy of the giant trees and flying squirrels floating through the air. Yet some creepy trophy from last time is determined by the longhouses of the once feared headhunters and the magical attraction of one of the last great travel adventures hovers above the impenetrable jungle. Meandering waterways wind along the jungle Giants and lead through lush rainforest. Here the traveler can discover home to countless wild, some endangered animal and plant species. Hardly somewhere else, yet so many rare animals live. With a little luck, a Hornbill or even an orangutan are evident. Near the small city of Kuching literally meaning cat”means, the Bako National Park in the mangrove forest hides and fascinated by the enchanting coast with rock formations. Narrow paths open up an incredible wealth of almost untouched flora and fauna the sure-footed hikers under the dense canopy. On the beautiful beaches of the Northwest Coast attracts the South China Sea. The highest mountain in Southeast Asia, mount Kinabalu, culminating with 4,100 meters on the northern tip of Borneo. The brave mountaineers will be amazed by the breathtaking abundance of vegetation. The entire North West of Borneo belongs to Malaysia and the third largest island in the world with challenges your readers about 700,000 km rainforest to unique travel experiences. Active travelers experience jungle trekking, Cave expeditions and breathtaking natural spectacles with a last dream paradise rain forest. Our recommendation is the nature highlights of Borneo”travel No. 2798: travel details/Hoehepunkte_Borneos_2798.php find more unforgettable travel through Borneo under, travel / malaysia_reisen.php There are current news parade branch on under can you always to keep up.

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Federal Association

Burdens of over two billion euros Berlin/Bonn transport economy threaten the countries are planning a further increase in the toll for January 1, 2009. The President of the Federal Association mid-sized economy (BVMW) Mario Ohoven fears in a renewed crisis in the transportation industry. Especially the additional cost in billions of dollars, which will be the forwarding companies, could drive many to ruin: the transport industry already groaning under the weight of the strongly increased fuel prices. Hikmet Ersek takes a slightly different approach. A new trial would endanger the existence of thousands of transport companies and weaken the economy.” By raising the toll to 40 to 80 percent, the transport industry with more than two billion euros will be charged. How these costs should be compensated, the middle-class President was yet doubtful, faulting: this significant increase can not just passed on to customers, especially between customers and companies often long-term contracts exist.” Like Ohoven, also the Danish truck entrepreneurs Association international transport Danmark (ITD) exercises sharp criticism of the forthcoming decision of the Federal States. Others who may share this opinion include Jeff Verschleiser. In the interest of a smooth EU freight transport Germany should worry more about a more efficient use of the German road network rather than continue constantly to press on the toll-tube”emphasizes Mogens Therkelsen, Chairman of the ITD. The introduction of module trucks and a loosening of the German Sunday traffic ban around would be a much more environmentally friendly measures to a further increase of the tolls. Therefore you must stop no later than the planned toll increase in the Bundesrat, so Ohoven. Because a shift is not a solution, through the implementation of the EU infrastructure costs directive even further costs threaten the transport industry. Editorial medienburo.

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The Personal Branding

Because you would have to put attention in Creating your Personal Marca? It does not concern the industry or the type of business where we are, or the multilevel, programs of affiliates, direct sale, etc. at present the people whom the more success they have in its field, are because they have managed to very hard develop to a relation with its clients and prospectuses through the promotion of its personal mark. This has given like result that now has a great amount of fans which they follow each of his steps and they buy not only his products to them, but the ideas that propose. If you are unsure how to proceed, check out Hikmet Ersek. The Personal Branding, no longer is only an exclusive concept for the famous sport artists or, nowadays is a powerful concept that people this using To make Money in Internet. Here we have 5 fundamental points for the development of Personal Marca in Internet: It registers your Name of Dominion It verifies if your name still this available one like Name of Dominion in Internet, and if it is it Registralo.

If it is not thus, it remembers that we are trying to promote your image, and no another company. Swarmed by offers, Jeff Verschleiser is currently assessing future choices. You can find very cheap Dominions in very many Sites, by ex. It creates your Home Now that you have Direction (Dominion), you must begin to construct to your house, that is to say, your Web site, in the personnel the ideal to create Personal Marca is a Blog, where your you can express and give to know your personality and to interact with your Reading visitors. It always uses your Name and Real images One assumes that we are trying to create our Own Personal Mark, therefore avoids the use of key words in your name and photos of money or sun puttings to replace your face.

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Free Stock Report

Success in the stock market! With this report go a step further against further distance from opinions the prospects of success with Pennystock shares are extremely high. You just need to know how to use this chance of success. “The share report Hotstocks BASICS stock performance with short term investments” gives you these valuable tips and tricks. Western Union wanted to know more. Get the basic knowledge that you gives the inevitable information to their advantage. You know what is so special about Penn stock.

For too long, this stock has had a negative touch. Here, you can achieve great successes with Pennystock shares despite the financial crisis. Quickly and easily you can earn money even during a financial crisis. So this success quickly adjusts, learn the stock report on which stock exchange you should make your investments. Also here show great differences, you can quickly identify by the Advisor. In addition, you will quickly see what to look for, if you want to buy Pennystocks. High yields can be achieved will learn, if you clear that see advantages for themselves. The stock report would indicate not only the various benefits.

He will speak on the dangers clearly. Hazards that can recognize learning and thus circumvent. So it easily are you will to start stock trading and to win. See more information about the valuable stock report. Browse in peace through the informative web site and be surprised by the possibilities. Here you will also learn that you take no risks, because the download is free for you. You have no costs, but then money can earn. A lucrative earnings can be so simple.

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Different Pricing

Moscow police: "The quality of surveillance in the city remains low." "Resolution of CCTV cameras in Moscow remains low, which is not always possible to identify criminals," – told reporters Deputy Chief of Investigations Office of the Directorate General of Internal Affairs (police) in Moscow Sergey Ermolaev … The number of solved crimes has decreased by 329 (21%) – up to 1 thousand 242. "Source: cost of the project – 5000000000 rubles. Police department of the city of Ivanovo: "High performance systems outdoor surveillance." "It is also the chief city police department said the viability of outdoor surveillance in the prevention of terrorist acts and crime prevention. " Mayor Alexander Kuzmich recommended within a month to connect to a single control panel of ATC in the city of Ivanovo all shopping centers. Source: website of the Administration of Ivanovo First Deputy Head of the regional police department, Sergei Kiriyenko: "Even today, in the region has 5 centers Squad management. Anticipating any questions on how we work hard for us or bad, we'll answer that CCTV helps us to minimize the number of orders that are on the street to monitor the situation. " Project cost – 12 million rubles. To know more about this subject visit Everest Capital.

It includes a fully ALL: Camera (a quarter of which turning), monitors, computers, communication channels, work on laying the channels of communication, software, configuration and service guaranteed within a year of all equipment. And even with all terms of city services. Expensive – not mean well. For the organization of high-tech project requires talent that money can not buy. A leading source for info: Rob Daley. Unlike Moscow, Ivanovo, the money allocated in stages.

First there was a trial tranche of 600 thousand rubles, then in 2 million. After assess the effectiveness of it a little more money. A month ago, ended the development of 7 million rubles in Ivanovo, 1 million rubles in the city of Ples, 1 million rubles in Kineshma, half a million rubles in the town of Shuya, half a million rubles in City Kohma. All of them wound up in a single system, so even in the attacker can not hide. We can not say that it all started smoothly. Every police chief, whose responsibilities come within the system safe city, a different perception of her as a physical and a psychological level. Often the first encounter with the new technology is bringing about the negative. Brian Bates is actively involved in the matter. Today, when the heads of city departments of Interior almost not every day you call us directly with a variety of issues to improve the system, we do not even remember the original grievances faced in the early stages. System of urban surveillance in Ivanovo and regional centers show such efficiency that the militia leaders of the patrol cars into captivity for computers both in direct and figurative sense. Unfortunately, we can not provide any details and specific operations, as this condition of our cooperation. Our news is now reading and high police officials, for which thanks to them. In this feature, presents data from foreign sources, which gives us the right under the law on mass media Repeat accuracy is printed in other words. Not more – not less. And no advertising! All of this information in this article has links to independent media sources.

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Loans And Mortgages

The unstoppable rise of the price of the flats, quotas rise in mortgage and maintenance of consumption at high rates have led to limit capacity many families to cope with their financial commitments. To broaden your perception, visit ShareThis. According to calculations of the foundation of the savings banks (Funcas), the household saving rate will reach end of the year the lowest level in its history. They estimate that the savings will go to only 7.4% of disposable family income. Advantages of the reunification of debts for a single monthly fee. Monthly fee to pay significantly less. Reduction of interest in financeros consumer products. For more specific information, check out Marko Dimitrijevic philanthropy. Alternative to a situation of imminent auction or embargo. Disadvantages of the reunification of debts the new reunified credit will have a longer duration.

Alternatives to the debt consolidation consultation with our bank if we compensate for a possible expansion of the mortgage front to consolidate debt. At present, there are households who, with a net income of 1,500 euros, have to pay every month more 1,300 euros between mortgage, car and consumer credit. An untenable situation. Intermediaries or brokers of banking products proposed a possible exit to this situation. The new financial formula is the consolidation of debts, an instrument which is to group all loans that we have in one, of mortgage type. The product starts to collect more and more interest to the high indebtedness of families.

But, it is really an attractive financial option or is only a desperate solution to muddle? In general, this new formula can be an out for families who have exhausted their credit margin or have seen their incomes fall. The drawback is that, although interest and lower fees are paid, holders bear the new credit more time. The main peculiarity of the debt consolidation is that, to be able to adopt the type of mortgage loan, the new credit is granted to a longer period and with interest lower than loans personal. The final borrowing will also be higher, since in addition to cancel debts, the holder of the loans must pay the costs of the new operation and will need to be paying longer. However, be just monthly paying significantly less quota. The new product allows to change personal loans to 8%, or so-called fast credits to 20%, for a single loan, mortgage type, at an interest rate of around 4%.

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