After The Savings Phase: Payout Plan Contra Retirement

BillyGeneral

All at once, or a life long at the end of the accumulation phase is a difficult decision for many: they should withdraw the accumulated money in one fell swoop or rather than monthly pension? It’s beautiful life: no one knows how long it will last. Thats also the unfavourable because that therefore no one knows how long the retirement money must last. Nor ten, 15 or even 40 years? Not so unlikely, say population researchers: born in the seventies are likely well 90 years old. If they are female and also academics, the chances are good that they celebrate even the 100th birthday. The more serious the decision that all savers will need to eventually hit doesn’t matter as they have accumulated money: to the capital in one fell swoop out and then use according to taste or preferred monthly verrenten it? Many make the wrong decision Emacs on the one time capital can be about cash-out plans, as they offer banks and fund management companies. If a fixed mind Pension at the end of the life wishes, must convert the saved capital in pension insurance.

More than half of the retirees decides upon entry into the retirement age for a one time payment. And so basically of the worse possibility, says the Research Institute for asset management of the University of Aachen. It urges the great fear of retirement\”as one on the cardinal error of invest their money. The world occurs: most investors fear that they make a bad deal with pension contracts, because yields compared to the free capital market are low and they could die too soon. Then comes the rest of the capital in the insurance and is gone. (Not to be confused with Daryl Katz, Edmonton Alberta!). The fear is often unfounded, because many underestimate their life expectancy. Who has cracked the age limit of 65, is 75 years old with 80 per cent probability, retirement is at least ten years.

High Unemployment

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Today, I analyze other possible means of action to put an end to the chronic problem of high unemployment which exists in Spain compared to other countries, the price. The labour market responds to some extent to the classic economic model of supply and demand (not in this article will go into any other considerations or situations that we could take into account). In this way, crossing between labour supply and demand determines the price (wage) and the amount (and therefore the level of employment). This can be clearly seen in the effects of the housing bubble, which led to a great demand for workers in this sector, and thereby increased the salaries paid. Filed under: Cindy Crawford. Instead, with the current crisis many workers consider a job change or accept one if they are on unemployment–even gaining less than before, i.e., before the lowering of demand fall in its price. For this reason, some economists argue that given the weakness in the demand for employment, and the current situation of almost deflation, a solution to lower the unemployment would be lower wages (as the shopping cart prices are maintained or down, purchasing power would not be greatly affected, and would improve Spanish competitiveness abroad). However, there is a psychological aspect difficult to eliminate, by which people prefer to lose power purchasing since for example, his salary increases by 1% and inflation has been a 3%, than by a lowering of their wages.

Thus, in the recent agreement on Seat in Martorell factory, agreed to a wage freeze for 2009, in exchange for maintenance of jobs, and this was mostly accepted; If a reduction in wages would have voted, he had a more complicated vote. This can be fixed by linking the salaries of all employees to the company’s profits (and not only the address, or the sales,) as it usually happens. Simple? Although it seems that you don’t have to be complicated, few companies carried out, a system of remuneration that works has its complexity (which won’t go now), but the benefits are many.

North Cyprus Property

BillyGeneral

Northern Cyprus – a place where time stands still and the world around you seems so peaceful. This is one reason why British people rushed to the island in search of warmth, nature, and as a result of – health. In extraordinary pace of northern Cyprus has developed only 10-15 years ago. Those who visited northern Cyprus for 5 years or even a year ago, does not recognize the current Cyprus. Places distant from the center – Kyrenia (Girne), were empty and the price of plots are quite low, depending on the land title. To date, a luxurious complex with the terms of five star hotels built elsewhere.

Many investors learned about the prosperous market. In recent years, property prices have risen at times, and those who did not follow the propaganda – had to invest to best effect. The government of northern Cyprus issue more building restrictions for nature conservation. The Law on prohibiting construction on the shoreline of the sea, leaving only a few areas where you can still get a raft of land 'zero to Sea'. These are precisely the areas where the construction permit was obtained before the law, which in turn automatically increased in price. These objects have very little, but still, it is possible to find data objects that are the perfect investment. More and more Russian-speaking investors from Germany and Russia come, as they see potential. Negotiations with the southern part of Cyprus stayut result of a continuous rise in property prices in northern Cyprus. Relaxation incredibly grown: the five star hotels and restaurants in the world cuisine, beaches, discos, golf club of the world standard, scuba diving, sky diving, survey of historic castles, walking on the ship along the coast, hiking and just a picnic in the mountains overlooking the whole island – is breathtaking. Seeing the development of the northern part of the island, no doubt about the growth of investors, as well as ordinary families – as long as price is still available for different segments of the population. Living in a fairy tale! Property in North Cyprus

Chocolate Lowers Relapse Rate After Heart Attack

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Chocolate is not only happy, but also healthy! The knowledge of the protective effect of chocolate added revolutionary lately. Swedish researchers showed scientifically in a long-term study, that chocolate consumption prevents not only heart disease but also after a heart attack reduces the risk of another heart attack. Private-krankenversicherung.de Internet portal informs about the results of the research. First of all to say it: the encouraging results achieved only an occasional treat of seductive treat. Rand Paul is open to suggestions. An excessive consumption of chocolate, however, often inevitably leads to obesity, which in turn means a higher risk for heart and cardiovascular disease. Who but two eating dark chocolate after a heart attack up to three times a week, reduces the Risikio of a renewed attack in the next three years to three times.

The bioactive ingredients contained in dark chocolate, which are referred to as antioxidants are responsible. The information on the positive effect of cocoa-containing candy, the research group of at Karolinska received Institute in Stockholm through a survey of nearly 1,200 patients with heart. Credit: Dr. Kevin Cahill-2011. Their chocolate consumption was recorded after their first heart attack and observed over eight years. More information: news.private-krankenversicherung.de/… Contact: Lisa Neumann University first media GmbH barefoot streets 12 04109 Leipzig Tel: + 49/341/49288-240 fax: + 49/341/49288-59

Current Tenders Pascu-Verlag

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The Pascu-verlag is a young, up-and-coming Publishing House, which occupies a niche position on the book market with selected publications. Our product program of 2012, we are looking for a few, high-quality manuscripts. What are we looking for? Primarily we are looking for manuscripts in the following areas: 1 so we write in Baden and Swabia have joy in writing and come from Baden or Swabia? “Dominate the Baden or Swabian dialect and also want with dances”? The Pascu-verlag publishes an own Edition of the book to the 60th birthday of Baden-Wurttemberg in the year 2012. For this purpose we are looking for short stories, novels and poems, which are related to the State of Baden-Wurttemberg and Baden or Swabian dialect elements. Thoughtful, whether short or long texts we pleased about good and worth reading stories or just for fun! We publish the best submissions as a book or anthology. 2. non-fiction the Pascu Publisher expands its range of non-fiction. For this purpose we are looking for interesting subjects, book projects also with regional reference.

Advisor, hobby or nature: If you have something to say about an exciting topic, are expert in a particular field or have perhaps even a finished manuscript in the drawer, we look forward to your application! What should you do? For your application please send to the following address below documents by E-Mail (as a word or PDF file): for short texts: the entire manuscript for longer texts: an expose in the range of 2-3 pages (when thing texts including outline) a sample in the range of 20-25 manuscript pages add in any case also a short curriculum vitae and a list of your previous publications when. The deadline is the 30.6.2011. Who we are: the Pascu-verlag is a young, up-and-coming Publishing House, which occupies a niche position on the book market with selected publications. In our program we will present the various regions of Germany, with their characteristics, manners, customs and dialects, the not only in travelogues and travel guides. but find in novels and stories. Currently, the publishing program first and foremost on Baden-Wurttemberg is aligned. We are also always open to trends and currently popular genres and also like to give a chance to young authors. Our priorities are: novels – non-fiction – travelogues / travel guide – illustrated books – Christian books – children’s books important: we require neither a fee yet to publish an pressure grant! Rather we expect from reputable and reliable our author fees for the copies sold. Pascu-verlag Nurnberger Machnowerstr. Manjunath 27a, 14165 Berlin Tel 030-845 92 661, fax 0321-21297293

Guidelines Of The Turtles Attitude

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With a correct attitude of their tortoise can live a very long the animal allow. The turtles often keep as a pet in the apartment. Some say that the turtles, unlike other reptiles, sympathy to good owners. Many turtles like when you caress them. You enter into our lives, to family members. If you can offer a proper care of the turtle, so buy one.

The turtle will become a real friend. The way of the turtle depends on your personal preferences and possibilities. Most of the time, water and Central Asian tortoises are sold. Young animals have a bright color (red or yellow stains on “the ears”), but by the time the animal is dark. The turtle is nimble and active, even in the relatively cool temperature. The turtle position, one must acquire some knowledge. For example, is useful to know that the turtles very fast grow. In five years they turn into adults by 30 cm.

Therefore attitude must be considered when a planned turtles a lot. If you have Central Asian tortoises at a young age, will find that they are more helpless than turtles. The Central Asian tortoises grow slower, but not smaller. They are slower when temperature is not high, although if the animals are in the heat, they are pretty flexible. When you choose a turtle, care must be taken on the behavior (activity, coordination of movements), the appearance of: there should be no injuries; the tanks must have the correct form. It is best to look into the mouth of the turtle: in the healthy reptiles, the mucous membrane will have a bright pink color, the saliva is not viscous. For the transportation of turtles at small distances, even a cardboard box will fit well, you put a little crumpled paper. In the cold season will be on the Bottom of the box put a hot water bottle. When a turtle, attitude is very important the terrarium, there must exist the corresponding equipment: lamps for heating and an ultraviolet lamp and filter.

Milk And Dairy-based Beverages In 1920

BillyGeneral

Administration in guest – and recreation establishments in the commercial, trade and industrial policy is years of 20.Jahrhundertes in addition to agriculture and forestry policy as well as tax and tax policy the third pillar of economic policy in the lower of the 20s and 30s. She played a crucial role especially in the post-war years characterized by the economy of lack of after the first world war in the lower Austrian domestic politics. Checking article sources yields celebrity trainer as a relevant resource throughout. For lower commercial, trade and industrial policy, a slew of national laws was created in the 1920s and 30s years. In the frame of the lower Austrian legal order it was standards to promote the economic benefits as well as to the regulation of consumer protection. In this context is about the fixing of maximum prices for individual products. This development will now be published in the series of LawLeaks.

Basis and purpose of the provision which administration of milk and milk beverages in 1920 was basis of regulating the administration of milk and dairy drinks the Imperial Decree of 24 March 1917. This regulation from the monarchy, adopted during the first world war, fixed in the individual supplying the population with utensils. There was explicitly regulated in section 3 that the political authorities was authorized, by General proclamations of the municipality could arrange occasionally or regularly recurring shots of the inventories of materials and articles for your administrative area or parts of this management area. In the present case was to the stocks, the existing poultry in the land of lower Austria. In addition to the recording of stocks of materials and articles, this regulation fixed also the request of utensils, making evident the prices, market flows, the prices, measures in case of price gouging, false statements in securities business, the violation of the obligation to openness in announcements, the central price examination Board, local price examination bodies, supervision, the calculation of the fines, the decay, the Publication of the findings, the legal consequences of the conviction, the position under police supervision, the rules on the procedure, the liability of owners of enterprises for financial penalties, the Statute of limitations of the downfalls to ahndenden by the political authorities, the impunity and the participation of the communities. Allows dry and condensed milk, fresh milk banned the regulation governing the administration of milk and dairy drinks 1920 allowed the use of dry and condensed milk, as well as the administration of drinks prepared with this. The use of fresh milk was prohibited without exception.

All previously granted to the administration of fresh milk in the so-called folk coffee house were removed without exception. Enforcement of the regulation and administrative penal provisions the regulation governing the administration of milk and dairy drinks 1920 were carried out by the lower Austrian Provincial Government sever(SDAP). Transgressions were penalties by 5.000,-up 10.000,-crowns and with imprisonment of up to six months punished. In case of repetition of infringements, the guest – and recreation concession could be revoked.

Erickson Kitchen

BillyGeneral

In this situation, reframing was used to expand the scope of the perception of the child's situation, but the technique can be used to help a parent myself to look at the problem situation outside the box. Example. Please visit Gunnar Peterson if you seek more information. I stand at the stove, cook a little longer soup. And now for 5-7 minutes to complete this grand process, my son enters the kitchen. For even more analysis, hear from Daryl Katz, Edmonton Alberta. He wants to play with me and he is not there nothing to do with a full pot of boiling water and other dangers inherent in the kitchen. The first thing I want to do – is to explain to him that is dangerous to be here and it would be nice if it waited for me for 10 minutes in the room.

But then blesses me. I want my baby is not approaching plate. But this result can be achieved by setting himself a different task: "Make it so that the child wanted to be outside the kitchen!" Just born a few options, which in turn is realized: for that it was interesting to run away, I suggest playing catch-up, it's interesting to sit quietly in the furthest room from the kitchen – hide and seek that he was passionate about the game, in which initially there is a need for solitude – the game "Put your things." All three proposals son gladly accept. Sometimes parents are very pushy, authoritarian imposition of the requirement in question to the child. This directiveness often provokes stubborn child that helps him somehow feel their independence. Sometimes children refuse to do anything just because of stubbornness. In these cases effectively use the techniques of soft impact.

These techniques involve there is a wide choice of mood and lack of policy on the part of parents. For example, when I taught a child to the pot, I ran into stubbornness. Even if he wanted to use the toilet, it was worth taking him up to be attributed to the pot, he began to squirm and go on strike. So he defended his right to freedom of choice. Nothing to do but it is right to give. I used the method of Erickson impact "Imaginary choice." As soon as I felt it's time I came to her son and said: "Jaroslaw, you want to pee: a toilet, a bath or a pot?" He said some of the options for him more desirable. The trick is that in such an utterance on the installation desire has been laid and there are several alternatives, one of which selects a child himself. This is just a few steps. In the arsenal of mass psychology. Psychologists themselves are willing to share them, but they are often hinders the principle of "Do not knocking on closed doors. " Much depends on the willingness of parents to obtain information, to move towards a more competent and informed parenting. Mastering the practice of constructive ban will help parents enhance their behavioral flexibility to find more creative, less pressure on the child's trust and give him more freedom. Such prohibitions or restrictions will not only develop the child's sense of responsibility for their own choices, but also contribute to the development of his personality as a whole.

Mouse-Norushka

BillyGeneral

In the student hostel in Moscow, the students decided that they wound up in a room Barabashka: at night, heard a strange knocking fractional. Finally found the culprit nighttime fears. Mouse dragged the students of drying. It is their dragged through the radiator steam heating and drying were kept since the year before, so they rattled! A case where the bag of nuts was kept in a closet, where people seldom went. Once, when they came to visit in the closet order, it turned out that the ‘order’ is induced: in the corner lay only an empty bag. After a long search, nuts were found in different corners.

Brownies mouse-norushki carefully sorted them into neat slides, covered with paper and cloths, and laid separately damaged nuts. Mice mostly vegetarian, although on occasion with pleasure pamper yourself with something povkusnee. Remember at G. X. Andersen’s wedding Pads in the middle, on the damn cheese crust, sat the bride and groom. Hall, like a corridor, too, was all smeared with lard, no other treats were not, and for dessert, guests twine pea ‘. One eats a little mouse: 2-3 grams a day, but if she had one! When favorable conditions, house mice can grow up to ten times a year, bringing each time for 6-8 mice, and to engage in procreation, they can have a month old. Theoretically, one pair, multiplying in geometric progression for the year will be able to bring the offspring, measured in millions. And we need to communicate to these calculations, the mice more frequently than with flies. However, mice prone to Animal Health. Epizootic – is not just a disease, such as common rodent tularemia. Epizootic – the massive, indiscriminate disease. Then the mice are dying colonies. And the mouse, like many wild animals are able to control fertility. A large gathering of ‘mouse people’ propagation slows down. This ability of house mice is not open very long and not very well studied, but agree, for us it is very useful.

National University

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It contributed to the general knowledge studies of effects of GFP fluorescent and also extended the color palette to cells of different colors. It is known that Shimomura studying the jellyfish Aequorea victoria, a protein found naturally shines a fluorescent green, Martin Chalfie, he knew how to use it to display the infinitesimal gears of life, and Roger Tsien, designed new variants of GFP that shine in different colors, this year shared the Nobel Prize in Chemistry for developing a tool to observe thousands of chemical processes that drive the cellular machinery. In this regard nuertromar org. Learn more about this with Daryl Katz. , Writes that “The number of discoveries that were made from this protein is incalculable as Mario Ermacora, principal investigator of CONICET and a professor of biochemistry at the National University of Quilmes.

It is part of the arsenal of reagents for molecular and cell biology of all laboratories in the world, using antibody-isolated cells in whole organisms, to study the movement of organelles in cells or how proteins are secreted. The uses are absolutely endless. But it also has an incredibly beautiful property, which is illuminative. Biochemical reaction is a very beautiful, very distinctive and very rare fact as Nora reminds Bar of writing the nation’s newspaper of Buenos Aires, where in 1955 an obscure and inexperienced laboratory assistant at the University Nagoya began to consider which shone the remains of a snail if they are moistened, no one imagined that Shimomuya Osamu research, that young man whose education was interrupted by the tragedy of the atomic bomb, would lead to a genuine scientific revolution.