German Investment

Saturday, 28. November 2015

Actually independent investment advice and investment advice pays for the money investors specifically and already in the short term from new survey results in January 2008: the German investors save unaware unchanged interest rates. Aspect online reported, the assets of citizens growing though – but billions periods in Germany as a yield-poor existence on traditional savings accounts. According to current estimates of by Dresdner Bank, the gross financial assets of private households has grown by around five percent 2007 4.76 trillion. The saving rate has risen by 10.5 percent in 2006 to 10.8 percent in 2007 while. The current surveys and estimates illustrate the compelling benefits of our advisory approach and the unattractive interest rate of savings deposits and related products is actually only the tip of the iceberg.\”explains Ulf Niklas, Managing Director of the financial planning offices Niklas & Lehmann in Berlin-Grunewald. The customer of a Bank, savings bank, or a free Investment broker pay for its free\”consulting but just by significant losses in its terms. On the fixed-income side, these losses are still relatively easy to recognize.\”explains Stephanie Lehmann, also Managing Director of the financial planning Office Niklas & Lehmann. Take the day money compared to the classic savings account: it is available identically secured, at all times in full – and thus much better – and brings 4.25% interest or more currently p.a..

Why should our customers refrain from?\” If a credit of 30,000 euros and a comparison interest rate of 2.25% p.a. for savings, the customer deserve sober 600,00 euro in addition every year. On the depot and share page, the losses are already somewhat more difficult to recognize.\”explains Stephanie Lehmann. When a stock fund investment, it is still relatively easy: at a facility in the amount of 50 thousand, usually an initial fee of 5% is the Bank = 2,500 euro charged fully on the selling Bank will be carried over and the customer therefore effectively and immediately at the time of the investment portfolio value is lost.

Safe Investment

Thursday, 26. November 2015

Day money still very popular as opportunity in the last few months there were many discussions about how safe is the type of investment money at all. There were setbacks through the collapse of Kaupthing edge and the closure of the noa bank left behind not just good taste at the savers in Germany. But how safe is the day money investment for now really? The day money is designed as with other types of investment, almost always only on the amount of interest. These are then tempting, and forget all safety concerns the savers. And the Bank is then broke, as was the case with the noa bank, the investor stands and looks into the tube at least at the amount that goes beyond the statutory deposit insurance also. Security of deposits should be always an important part of the decision, if a saver embarks on the search for a tag account. Tempting rates of four percent draw although views very up in times when interest rates for Day investment otherwise rather low are nevertheless should thereby the safety of funds not be left before louder so supposedly nice return.

Because of many savers forget about before loud nice rates: what is out of their money if there is a collapse of the Bank. In German banks and savings banks, the General German deposit insurance that pays back up to the amount of 50,000 euro per customer if the compensated was determined by the BFin, Bundesanstalt fur Finanzdienstleistungsaufsicht, attacks then. In addition, there is however no tired cents, if not the insolvency administrator of the bank pays back a part of the system or the Bank or savings bank does not have the statutory deposit insurance also covered one of the different backup systems, which exist in Germany. In deciding for or against a certain day investment, whatever the security of established money should be included therefore in addition to the level of interest. For whom the security rather the plays second fiddle, which is accessible also to high-interest offers for money market accounts. But anyone who wants to deposit his money safely, which should involve also the nature of the deposit insurance in addition to the level of interest rates in its investment plans. You can find safe day investment as too high-yielding money market accounts the fastest independent comparisons on Internet portals. Chruistel pond

The Transaction

Wednesday, 25. November 2015

Being the salesman and the purchaser of the same branch, theoretically both will be understood better; therefore, to announce themselves and to identify themselves the same as integrant of group of the other can, or not, to be more convenient. A trader if communicates better with another trader, this is certain. Therefore, he is allowed to assume that the transaction of purchase it will be finished with more rapidity and/or satisfaction between the parts. On the other hand, if you are doctor, and will be buying a hardware store, something you are detached there, therefore hardly both the parts will be able to be understood in some degree of razoabilidade. Before you answering & ldquo; sim& rdquo; , she is necessary to reflect regarding its implications. On the other hand, to answer & ldquo; no& rdquo; it can be an interesting exit. The book approaches as if to ahead locate of these two options.

Presentation of the initial numbers of the business Normally, the guideline of the meeting will be established in two questions: . value of the sales; b. financial movement of the company: invoicing, expenditures and profit of the operations. Of any form, it gives attention to the supplied numbers, takes note, it makes many interrogations sufficiently, at last, goes deep. The ideal, and independently of the form as these information had been passed to it, is to present its proper ones questionings, notadamente in the relative question to the financial aspects. Therefore, this is the recommendation number two: before the meeting, it prepares its list of questions on the numbers of the business. One asks must immediately be made: how it was arrived at this value of sales? Which the used criterion? It is important to understand well this question. Later, you will collate the logic used for the selling side with the method that you will use.

The book deals with this in a specific chapter, therefore the subject requires a bigger development. Supply of information Is understandable that, in the initial contacts between a person interested in buying a company with the owner, who desires to vender it, this not disponibilize the information in details, as desired for that one. It is permissible that, in this first instant, this can be acceptable, that is, that it does not have answers to the interrogations immediately ece of fishes to the table. However, it is waited that the salesman reveals disposal how much to take care of the requests, to answer the doubts, and to clarify obscure points of the business. From there, we evaluate if it is enough to wait the supply of the answers, if we must contenting in them with generic numbers, and believing them, or if she is necessary to infer that & ldquo; it has something that the other does not want abrir& rdquo;. If not to receive the data requested, or will have delay in receiving them, two questions if they evidence: & bull; the owner of the company does not have the minimum idea of its proper business; & bull; or he wants to hide something. Inside of this perception, it is necessary to above apply different strategies for each one of the alternatives, what enough he is clarified in our book. In article of same heading – part 2 – we will go to give continuity to this topic.

Decorao Applicatory

Tuesday, 24. November 2015

The social medias had really changed the social relationships and commercial and each time more the things go if interlacing in the net, it does not have return. In this scene one very became common to buy products or services on the basis of the opinion of the friends. The process to consume is not more so impulsive how much before. The moment is of together with walking the technological evolution to multiply resulted. Currently the consumers search more on its objects of desire or necessity, and look for to know on the experiences lived for other consumers before investing better in the purchase, enada of what the opinion of the friend. This behavior in web passed to be called social commerce and is one of the expressions hottest for who wants to vender more extending its canals. Entrepreneurs and storekeepers not only explore social commerce for spreading and advertising, but they start to commercialize its products directly and applicatory services make use of and tools of business, through creative strategies that stimulate the consumer to share its products, either by means of content or direct offers.

To put into motion this business, technologies and chances appear the all moment new. Between them, the F-commerce, that foments sales online of diverse forms. My Shopping, for example, was first applicatory for e-commerce inside of the Facebook net, giving the beginning to the F-commerce. Through My Shopping the user of the net has access grifes of Fashion, Beauty, Decorao and Gastronomia of Brazil and the world. She congregates diverse marks, between them Hope, Reserve, Enoteca Fasano, Canton and Richards, and soon, according to responsible company for the tool, will be inaugurated an Alive store. The Facecommerce is plus ones of these applicatory ones, where the proper storekeepers can command its virtual store in the Facebook, integrating diverse social tools to maximize sales.

The use of the applicatory one grows, mainly, for small average companies whom they search to increase the sales and the spreading of the products. A time that, for the consumers the transactions inside of a social net also they are safe, by means of the PagSeguro, intermediador that already comes integrated to the applicatory one. Other models of sales come if propagating, the example of this, the strategy of salesmen online adopted by the Magazine Luiza, who enlists commissioned salesmen to divulge its offers in its profiles. The sites of purchases collective they are plus a form to reach consumers in groups that share offers, tan discountings and promotions. Thus the market of sales is presented online, each time more doors if they open to multiply the sales through social commerce. To have success she is necessary to invest in strategy and creativity. However, the great challenge of the betting ones is in the real capacity to generate spontaneous movement in these nets, making with that the consumer becomes a spreader of the experiences lived with the mark and with this multiplies the sales. We are in the age of the colaborativo commerce.

Future Customer Service

Monday, 23. November 2015

Ecenta calls to medium-sized businesses on technological basics to the test with services four times as high margins can be service of the strategy consultancy Bain & company to achieve with the sale of goods, according to the latest study of growth. According to the study companies with a service component suffered from sales by more than 30 percent less under the economic turmoil of the past two years than its competitors, where the customer service plays a small role. For the Ecenta AG, to SAP Business Suite specialist software and consulting, a clear indication that even for the middle class still considerable potential to improve customer service and an increase in the share of the service is located at many German companies. However, many companies in which must first create the necessary technological basis. The constant pursuit of more sales and the hunt for new customers can be not only answers to the challenges with which primarily Medium-sized companies are facing”, explains Joachim Schellenberg, business development manager of Ecenta AG. The study by Bain & company makes very clear, there are great potential in expanding the customer service and strengthen customer loyalty. The study shows how the operating margins benefit from the service business.” In addition to a reorientation of the strategy and an adjustment of processes, Schellenberg sees yet another task that must be mastered to profitably expand the customer service at many medium. Although many companies already have modern IT and communications systems, but these are too often isolated and operated.

The combination of data applications such as CRM with communication channels such as the telephone is an important step towards to the powerful and therefore profitable customer service”, so Schellenberg. Nearly 90 percent of survey Manager see considerable improvement in the services offered by your company. Without the better integration of Voice and data are to develop many improvements but not their full effect. Especially the medium-sized businesses should take advantage of the upswing hinting at to reconsider the technological foundations with the goal of improved customer service.” About ecenta AG: Ecenta a product and consulting company, is on the challenging implementation projects in the areas of SAP Business Suite, especially SAP CRM (customer relationship management) and SAP BCM, and SAP NetWeaver, specifically in the areas of business intelligence, master data management, process integration (Exchange infrastructure), composite application framework and Enterprise Portal specializes. ecenta, due to its professional expertise and successful cooperation in the areas of CRM, MDM, business objects information management solutions, process integration, application server, identity management, BPM, and banking in the SAP special expertise, program was recorded.

Kill Blog

Friday, 20. November 2015

Continues to be more free. If the first part of the main killers of the blog were cockroaches in my head and not the right marketing strategy, today in our hit parade the next killer – the content. Indeed one can competently all plan, decide on a niche, regularity, etc., but awful to do the most important thing – content. In fact the only reason people go to the blog – to read something valuable, useful and interesting. Generally, the topic of course, also greasy, and the most interesting is that often people who do not spend too much time her follow their same recommendations. Perhaps it's just another one of those to which the appeal when there is nothing to write. I have something to write, but it so happened that one section of my blog is called – "Creating a blog", so to get around this theme can not. Let's start with the original content.

Well, tell me this horse is understandable. Damn horse is not clear. Before writing this post took a look, what people write on this topic. Good old Google has issued dozens of pages as the search result, began to study. Outcome dashing – 7 blogs, the same article about the "unique content" word for word! Hochma. So why tyrit bad? May Conversely thing then? 5 minutes of work a day, every day for 5 posts than not a freebie? How much the world insists that the freebie for idiots.

There is no way to on another's back and once in paradise. A little blood, of course you can do, but rarely freeloader earn normal money, not least because he had nothing to sell, he does not own ego. Take for example the case described above article about the "unique content" is actually everything is very clear. Bulk Bloggers are not promoting their goods and services, and earns affiliate – AdSense, Sape or others. In this case, and the creation of 20 splogov usual thing. Although with such a line monetize your blog, there are a sufficient number of techniques change the original content. So they certainly can be and will kill your blog, but it is not serious business, and self-indulgence. This article is not about how to design the 1000 monozygotic "twins to earnings from advertising. It is assumed that the blog was created in order to advance his own face. In this case, the customer is no fool and blind! Therefore it is very quickly understand everything, draw conclusions, in the end, the main task blog – the creation of your brand as a specialist in any area will fail. Have you no one will buy! A potential customer better go back to where the content is really original and worthwhile. In addition, there are search engines, for which original content, not the latest thing, and they will be omitted in search results, lower and lower, eventually all may be kicked from the index. Originality of content, it is only one aspect of them. Content may be original, but boring, useless, banal, silly, even repulsive. All this is just not playing at promoting your blog. With this more difficult, but it come with time!

Japanese English

Friday, 20. November 2015

Another inhibiting factor pra the communication with these groups is the inability in the English language, except for the national groups. Those users who had tried to communicate themselves with some of these groups had not gotten answers and they had had when them, the answers as ready, cold and not personal indentificaram. We perceive here that the groups of notice gifts was also available in Brazilian Portuguese, currently the Twitter are available in Japanese English and; A point raised for the majority of the interviewed ones was the slowness of the server characterized for the icnica image of the birds loading the whale (To see Annex B). They find that the server must have capacity to take care of the users in a satisfactory speed. Finally> interviewed they had spoken on the interest subjects that they search in the Twitter in those representative users of the groups of notice.

The subjects most recurrent had been politics, technology, culture and economy, some had cited the tool as principal source of information sonbre the cited subjects above. 5 CONCLUSION According to Kotler (2006, P. 14) With the set of forces that had appeared in the last decade is demanded new practical of marketing and business-oriented. New tools are disponvies and the companies had acquired new capacities that allow to transform the way of as they had always made marketing. The orientation is that the companies must reflect deeply as to operate and to compete in this new environment of market of century XXI. The professionals more brought up to date each time more recognize the necessity to have a coesa and complete boarding that transceda the traditional orientaes of marketing. In the case of the Groups of Notice gifts in the Twitter we evidence that they do not use Web 2,0 ferramente as the possible advantages would have for spoon all, we perceive that they inside do not possess planning in the operation of the Twitter.

Maximize Value

Wednesday, 18. November 2015

To determine the value of any business, the administrator must take adequate decisions of investments (application of resources) and of financing (captation of resources). Good investments add value to the business, in the same way that an adequate captation of resources. The administrator can finance its business through two sources: by means of proper capital (capital of the partners) and of capital of third (capital of creditors). These decisions aim at to maximize the value of the company. Then, who if benefits of the value of the business? The shareholder? The employee? He can yourself be said that two great business-oriented forms of management in terms of focus of value aggregation exist. The American form to make businesses can be seen as more objective, searching the maximizao of value for the shareholder. After all, they are capitalist them of business and one of the main participants of the risk of the business. Of similar form, the European form of management if worries in maximizing value for all the related parts of the company, also known as stakeholders.

This conceptual differentiation serves to reflect on the possibility of if reaching the two objectives, considering that these two economic regions are sufficiently prosperous economically saying. Although to have different focos, in the deep a concern she is accurately the same one. If on the other hand, the company European, with a more social concern is to search the perception of maximizao of the business for the employees for example, on the other hand it necessarily also is searching the maximizao of value for the shareholders. We can affirm that To maximize value is to become the biggest possible value the business, and alone it can be made if to converge the interests of all the parts related with the company, such as: shareholders, creditors, administration, employees, suppliers, customers, etc. Therefore, for the effect of this program, we will consider as objective of the administrator To maximize the value of the company for the shareholder, since theoretically we will be searching accomplishment of the biggest possible value for excessively stakeholders. We can defnir the 0 variable for determination of the value of the company as being the center called VALUE and below DECISIONS INVESTMENTS AND FINANCINGS and on the other hand STAKEHOLDERS x STAKEHOLDERS. Moreover, one of the excellent decisions for the administrator is related the distribution of the results of these investments. For the shareholders, the decision of distribution of the shares is excellent, that is, to define how much of the results of the company it will have to be reinvested in the business and how much it will have to be distributed under the form of shares, this is one of the 0 variable that the administrator must manage to maximize the value of the company.

Granada Tropical

Monday, 16. November 2015

From years 1960, the Andalusian coast started if to detach as receiving point of the world-wide tourism, had to some factors, as: favorable climatic conditions, with hot summers and brandos winters, strategical geographic position, investments of companies multinationals attracted by subsidies and performance of the government, by means of the Secretariat of Tourism, beyond the implantation of programs and action of marketing with sights to detach natural and cultural attributes. The conjunction of these factors contributed for the consolidation and competitiveness of the Andalusian tourism in relation to other European destinations, making with that, according to data of the Secretariat of Tourism, Commerce and Sport of the Meeting of Andalusia, in 2007 the tourist activity already more than represented 12% of its GIP. The coast possesss 836 extension km, and was divided in: Coast of the Light, that corresponds to the provinces of Huelva and Cadiz; Coast of the Sun, that bathes Mlaga, and if extends for Cadiz and Granada Tropical coast of Granada. The Andalusian tourism possesss some modalities, of sun and beach, the predominant one; cultural, agricultural, of health, business-oriented, nautical tourism, of golf, amongst others. The pertaining to the state of Cear coast passed for deep transformations throughout the historical process, passing of a place of use and occupation almost essentially of the fishing to a world-wide symbol of tourism of sun and beach (DANTAS, 2006). For in such a way, the urbanization process had important paper, as well as: the world-wide trend of valuation of the coast as leisure space, the strategical position of the Cear, next to the Europe; the propagation of the Cear as ‘ ‘ Land of the Sol’ ‘ , created to value and to stimulate the tourism, the presence of foreign investors and the adoption of politics that favored this activity, having as example the creation of the PRODETUR (Program of Development of the Tourism), in the decade of 1980, with the objective to provide to all the infrastructure that it made possible tourist enterprises in the coast..

Reina Customers

Sunday, 15. November 2015

We all have the same hours a day, all have debts that pay, family who fed and the immense desire to grow our business. However, some entrepreneurs seem to walk in ways of gold, with their business full of customers, while others suffer the despair of not having customers. But what is happening that it avoids that you earn more money in your business? What is needed in your business arsenal so that open the financial coffers? Or, rather, what is the reason of why businesses do not grow? I know it! Advertising effective, disciplined and steady! How simple sounds, right? The sad reality is that the majority of employers may not understand this simple concept, which is responsible for having a business full of customers. It is not not know that advertising is important. It is simply not making enough advertising to attract customers who need. But this year I come with sharp fingernails to return to basics that makes your business grow. This year, my unique approach is that you fill out your client’s business.

And start with the following tips so you implementes them instantly. 1 Create a publicity plan chooses 2 to 3 advertising strategies that you crave this year. Stay away from other distracting you. For example, let’s say that write and distribute articles and make strategic alliances will be your strategies for this year. Then, that will be your approach. They sell what they sell on advertising strategies, you will not follow them because the power is in focus, the domain and the daily application of the strategy you chose in your advertising plan. I have a simple ebook that teaches you about how to write and distribute articles and envelope making strategic alliances. These two strategies were responsible for the rapid and amazing rise of my business, and you can get it here.

2. Measure your strategy if I’m going to announce me on Facebook, I measure this strategy to know if it is working. And when I say measure, I am referring to measure everything until you reach the goal to the you want to reach. For example, I want to measure what percentage does clicking on my ad in comparison with the number of people who see it? Does percentage takes action once I land on my web page? Measure everything. If you can not measure it, please, save you time and money. 3 Breathes, speaks and eats advertising which most rare title, but it is that it is the truth. It is time to think as the President of marketing of the service that you are selling, and not the President or creator of the service that you are selling. The difference is big, since a single marketing President focuses on publicizing what sells. Reached their offices and their thinking is focused toward implementing advertising strategies, to measure the effectiveness of the applied and to its exclusive domain. It breathes, speaks and eats advertising. If you think so, if everytime you feel to work wondering what the advertising plan that I give today?, your life will change forever. Your business will always have customers and you will enjoy the freedom financial. To summarize * create a publicity plan, implement it and get away from distractions. ** If you can not measure advertising, don’t do it. * Think as President of marketing, and not the employer.