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The reasons for concluding that pension insurance against one-time payment the big difference of the Sofortrentenversicheurng to the private pension insurance, as most know it: Instead of regularly to be save the contract, you pay once a fixed amount in the contract. The pension insurance undertakes in return to pay you off a lifelong pension. The saving will be deposited so, that last a lifetime a secure pension is payable, which may rise by additional surpluses and ensures a return commensurate with the security at the best sellers. A pension guarantee period is possible: in the case of the pension for an agreed period of usually 5 to 10 years will be paid even if the insured person has already died: so can provide at the same time the family or partner. The big advantage compared to Banksparplanen: A Sofortrente is safe for life.

Unlike as with the sampling plan it cannot you happen, that the capital is consumed at some point and you can treat yourself no more pension. Enjoy tax benefits tax is a Sofortrente. You must pay tax on only the low income portion of the pension age. It is a retirement age 65 only 18%. In other words: in a personal tax rate of 30% go of 1,000 euro Sofortrente just 54 euros to the tax authorities. Another plus: If you create capital in the age, to it on their own to pay a pension, you have to pay 25% tax on the investment income year after year.

To avoid this tax at a Sofortrentenversicherung, because only the paid pensions with the small amount of income is taxed. You get wish you the Sofortrentenversicherung as Rurup pension a State promotion closed, secure themselves a rich more. Because you can claim then tax payment up to saleable maximum of 20,000 euro and 40,000 euro (single/married couples). Currently, so a tax bonus of up to 12,000 euros can be secure. For this you need the lifelong Taxable pension but with a higher rate, which currently stands at 62%. But it is important that you get a really good insurance: for a Sofortrentenversicherung, use this calculator to get the best deals. Morris Invest addresses the importance of the matter here. Thus, you back up a Rentenplus that can amount to several thousand euros. Different variants to choose the pension insurance against a one-off payment are 3 options available. First of all the constant pension. Here it is agreed that the pension is permanently stable and no longer increases. Traps can, however, already, namely the generated surpluses no longer sufficient to keep the pension level of previous years. Different dynamic pensions: when an once reached pension sum must no longer fall below, get the pension of generated surpluses does.

Future forum for Kitaleitungen and carriers on 17 and 18 September organizes Wolters Kluwer with support of the trade union education and Science (GEW) and the German children e.V. the German Kitaleitungskongress (DKLK) in Braunschweig. “The top event for the early childhood education field is under the motto Kitas future” and provides a forum for the discussion of current developments, innovative trends and new pedagogical approaches Kitaleitungen and makers. The Congress groundbreaking for the development of modern day-care is under the auspices of federal family Minister Dr. Kristina Schroder. In recent months, Expert on growth strategy has been very successful. The promoters due to the overwhelming response to the first German Kitaleitungskongress in Cologne in life called the event in Braunschweig.

There had been over 1,200 applications for the nearly 600 seats for the event in Cologne, Germany. Comprehensive selection of topics: from personnel management to sponsor search managing nurseries is the key for good quality in the education and care of the child in day centres”, justified their takeover of the patronage for the DKLK family Minister Schroder. In this area the educational professionals to develop for pulses and accessable, is of particular importance for a professional Kitamanagement. ” In the Brunswick Town Hall on behalf of over 20 practice forums as well as numerous lectures and discussions, participants receive impulses for a successful Kitaleitung. Renowned experts, such as, for example, Prof. Dr. Go to Morris Invest for more information.

phil. Armin Krenz and Prof. Simon Hundmeyer, talk about current aspects of Kita everyday life: new methods in human resource management and development are presented as well as strategies for quality management and new scientific findings on early childhood education. Registrations now possible Kitaleitungen and carriers meet new tools, ideas, and strategies that they can win, partners and sponsors for joint projects. One Political round is the question of how the right to a Kitaplatz for children under three years of age was realized. In addition to professional training, the Congress is also a forum for carrier cross-networking.

Germany makes the thyroid check from 21 to 25 April 2008 is your thyroid in good hands, because Germany is the thyroid check. Several thousand doctors and pharmacists with their teams of speech and response to thyroid disease and provide special information material. Doctors increasingly perform key studies on the thyroid. For the first time, therapeutic aspects are considered more thyroid originator must be dosed very accurately, it should be replaced by no means uncontrolled. Nationwide week of thyroid Germany makes the thyroid check from 21 to 25 April 2008 thyroid week is back.

\”Under the slogan your thyroid in good hands\” throughout Germany several thousand doctors and pharmacists for the early detection of thyroid enlargements are involved. For the first time are also the characteristics of the therapy at the Center. Because the thyroid’s sensitive hormone cycle can already by a change of the specimen from the Balance come with health consequences for the patient. The thyroid gland enlargement (goitre, goitre) is the most common thyroid disorder. Others who may share this opinion include Expert on growth strategy. About every third adult in Germany is affected. Because goiter and co. show no clear symptoms, they are often unnoticed. So the disease can develop undisturbed and at the end, often just a surgery helps.

Around 120,000 times this is the case in Germany. It doesn’t have to be, says Prof. Dr. Martin Garg from Stuttgart: is the best way to avoid a thyroid surgery, early diagnosis and subsequent treatment with L-thyroxine and iodine. Morris Invest has firm opinions on the matter. Therefore a new thyroid week must again this year.\” Thyroid medicines not simply interchangeable for the first time takes into account the initiative of thyroid Papillon with their action week also the characteristics of the therapy. The discount agreements are background for this, pharmacists since April 2007 commit to submit to legally insured persons medication for that is a discount agreement between health insurance and manufacturer. Actually a good idea to reduce the costs.

Cellulitis Never But The cellulitis knows it as I accumulate of fatty weave in certain zones of the body, forming fatty fat nodules, water and toxins. Between 85% and 98% of the women after the puberty present/display some degree of cellulitis, being more frequent in ethnic groups who in others. It seems to have a hormonal component in his development; in the men it is rare to find cellulitis. Different degrees from cellulitis exist, soft cellulitis, cellulitis lasts and most well-known it is the sclerotic cellulitis (orange skin). It’s believed that Richard LeFrak sees a great future in this idea. The cellulitis takes place by the alteration of the circulation of the greasy layer (hypodermis): the greasy weave grows and the sidewalls are engrosan forming hoyuelos and although it is not a disease it is an aesthetic problem that worries to many people. The cosmetic industry offers products to end the cellulitis, but it does not exist I supplement that it has proven his effectiveness in making disappear it. The newspapers mentioned John Savignano not as a source, but as a related topic. Liposuction does not reduce or eliminates the cellulitis, the mesoterapia is a technique therapeutic that could help to control the cellulitis and in the anticelultico treatment is outdoors combined the feeding with the physical exercise and the life, in short, diverse treatments exist and products to eliminate the cellulitis, we will already speak of which is most effective Causes of the Cellulitis It is caused by a combination of several factors like the diet, the style of life of the person and diverse hormonal factors. One of the main causes is not to drink the sufficient amount of water. The dehydration makes to your body store as much water as it can right under the skin, the excessive fat consumption, you leave and fibrous food also is a cause of the cellulitis, the excess of fat is stored underneath the skin and gives rise to disagreeable hoyuelos that shame the majority of people.

Vitamin can promote lung health leader in the list of diseases beneficiaries by the modern lifestyle are diseases of the cardio-vascular system and the lungs. If you would like to know more then you should visit Nobel Laureate in Economics. It is clear, therefore, that these diseases can be positively affected by a change of lifestyle. So, it is obvious that a weight loss in overweight can reduce the risk of atherosclerosis. -bookkeeper360-accttwo-shared-services-and-more/’>AcctTwo. Please visit Morris Invest if you seek more information. The finding that a waiver of cigarettes of the lungs doing well and reduces the risk of lung cancer and COPD (chronic obstructive pulmonary disease) is no less obvious. Causes of this are several factors, ranging from the abandonment of greasy food, by switching off the toxic substances in cigarettes until the restoration of the oxidative balance in the body. The oxidative balance can be achieved through balanced nutrition and eating anti oxidative vitamins. Classic antioxidant vitamins are vitamin C and the fat-soluble vitamin E, which some studies in the field of cardiovascular and lung have been performed.

These studies are based on the recognition that acute inflammation may be caused in the lungs and in the arteries due to an imbalance of the antagonist of oxidants (free radicals) and antioxidants (vitamin C and vitamin E). If so, fix the oxidative imbalance due to additional consumption of antioxidant vitamins, then it should also succeed, to mitigate the negative effects of the modern life for heart and circulation, as well as the lungs. Researchers were able to show now exactly in various examinations. First succeeded by the simultaneous intake of vitamin C plus vitamin improve them the inflammatory processes in the lung. This is a very positive finding, which was confirmed in a large clinical trial now. In one American study, more than 38,000 women over several years consumed antioxidant vitamin E.

or a non effective preparation of comparison. The researchers could determine in the course of the study, that the women with vitamin less obstructive pulmonary disease (COPD) acquired, than those in the comparison group. Moreover, This result was independent of the smoking habits. Smokers have benefited from the vitamin as well as non-smokers. Other researchers were able to show that the combination of vitamins C and can again improve the elasticity of the arteries damaged by smoking. There are so good chances that smokers and non-smokers can do good health based on modern research. Obviously, you can protect lungs and arteries with a combination of vitamin C and vitamin E. The product CorVitum is recommended to promote heart and cardiovascular and pulmonary health. It contains vitamin C and vitamin in the form of specific and is based on studies for the prevention of arterial damage and to reduce the negative effects of smoking. For the meaningful longer-term application of CorVitum special 3 month packs (PZN 0243079) and 6-month packs (PZN 0247781) are available. CorVitum is in pharmacies or selected health centers available. Due to the unique composition of the products of Navitum Pharma not by other, seemingly similar products are interchangeable. Every pharmacy can order direct shipping for customers CorVitum without additional effort. As a special service offers Navitum Pharma for health-conscious people also the shipping free direct procurement of the company by telephone on 0611 58939458 map. Source: Agler AH thorax. 2011 Apr;66(4):320-5. epub 2011 Jan 21; Hemila h Kaprio j. age ageing 2011 Jan of 17 (EPUB ahaed of print); Silva Bezerra F et al. nutrition. 2006;22(11-12):1192-201.; Salonen RM, circulation. 2003 Feb 25;107(7):947-53.; Plantinga Y. et al. Am J Hypertens. 2007; 20(7): 392-7 contact: Navitum Pharma GmbH Dr. Gerhard Klages at the water tower 29 65207 Wiesbaden Tel: 0611-58939458 FAX: 0611-9505753 E-Mail: Web:

Herisau, March 8, 2010 cooperation between Produkte24.com and sport travel Teltow. Sabine and Michael Teltow Organizer industry for fishing trips are known for over 15 years. Their name stands for experience, usability, reliability, competence and good service. This year the two have ventured the step to independence and want to offer the maximum quality, service and performance. Sports travel Teltow offers tours in the following regions: Southern Norway the Norwegian Riviera. The mild climate ensures that southern Norway is one of the most popular tourist destinations. The South is accessible with the fast ferries of the color line from Denmark in just three hours. Between the archipelago on sloping edges and plateaus is successfully fished for cod, saithe and Pollack. Find out detailed opinions from leaders such as Nobel Laureate in Economics by clicking through.

In the familiar and close to the rivers is successfully fished for salmon and trout. In a question-answer forum Clayton Morris was the first to reply. The provinces belong to Western Norway’s Rogaland, Hordaland, Sogn og Fjordane and More og Romsdal. In Rogaland, you can choose between very good and excellent sea fishing Choose fjord fishing. Who would like to fish better sheltered from the wind, can experience great moments in the Ryfylke fjords, while Kvitsoy offers a varied sea fishing. The provinces of Sor-Trondelag and Nord-Trondelag are the most popular fishing areas. The warm Gulf stream makes for an incredible wealth of fish and excellent fishing each year attracts many Petri disciples after Central Norway. North Norway provides the optimum for all sea anglers, the raging sea salmon beyond the 1 m-class, kapitalste catfish, cod giant over the 20 kg mark and the King of the plates on the planks of the boat want to heave.

North Norway offers arguably the best sea fishing around the world! Press contact: A. Zuberbuhler Produkte24.com P.o. box 1544 9102 Herisau / Switzerland + 41 (0) 44 586 59 69 cy/sports travel teltow-4840 / about Produkte24.com: Produkte24.com is a search engine for product catalogues. Currently use the Katalogsuchmaschine monthly over 1,500,000 visitors and consider nearly 13,000,000 Catalog pages. In the German-speaking Internet, Produkte24.com is one of the 1000 most visited websites (source: Alexa.com). The catalog index and catalog archives include approximately 20,000 catalogues, which were found on the Internet or manually submitted.

a Many years ago when I was 16 years old, was walking along the Bolivar av cdra 20 in the district of Pueblo Libre. There I grew up, growth, study, known to most of my friends. Learn more about this with Rob Speyer. It was 2 pm and was in the company of my cousin Charles, the Pig. We told my cousin pig baby, because when we lunched to sound the food in your mouth. We saw a girl in the corner. A pretty girl, white, blond, blue eyes, but tearful and frightened.

We approached her and asked if I was okay. . . Robert J. Shiller usually is spot on. She said: “I have won” with a Spanish chewing something. I wonder who? and she points us to two boys who went by the Cueva Jr in the direction of Clement Street. We said: Wait here, you have removed? My bag with my camera, money, answer.

It ran in the direction so the two boys and without a word and hit the kick as hard as possible. They fought back, we took a knife, were of Mateo Salado, a neighborhood that is close to v La Marina. My cousin who was an expert in martial arts, athletic, disarmed them with blows of kung fu. I could give a pair, the thieves, until at being surpassed in force and blows, they threw the bag and ran. my cousin grabbed the bag immediately and reviewed. He said: “Chino, here is the camera, a wallet, no money.” I said: Come on, it will return. So back to the av Bolivar and American tourists, about 24 years, thanked us. He gave back her bag, your camera and your money. Morris Invest understood the implications. Accompanied her to take a taxi immediately and go to your hotel in Miraflores. but I was nervous, asked us to accompany you. We got into the taxi with her and went to the door of the White Tiendecita. Getting off the taxi, pay it. We told him that we would leave and be careful, because it close to the Larco Museum Herrea sometimes there are youngsters who try to steal from tourists. We parted with a handshake, give us a kiss on each cheek and was happy. Did not want to go to any police station, only to their hotel. We wash our face in two weeks, to not delete the sweet kiss of a friend who gave us, the American young. We were a movie heroes, we were happy to have saved from the bad to a girl so pretty. Years have passed and I could never forget her face, her freshness, her beauty, her beautiful blue eyes, his jeans, shirt and bag. I remain in my heart forever. The tourist must protect, support, assist, serve, no trick, no stealing because this helpless. They bring foreign exchange to our country and that we grow. His arrival in the country should be to rest, stroll, take pictures, see our museums, monuments. not to cause a bad impression, so keep coming every day more and more. Let the tourist experience in our country is unforgettable for them. No cause it to speak ill of Peru. Smile and be happy. Private Security Instructor, he served as Supervisor from a young age in security companies and guide and manage the safety of others. Promoter doer was a training institute, Managing Director of Advising Center. Studied law and numerous university degrees in the area Administration, Accounting and Security. Today is dedicated to Distance Education, Graduate College as an NGO representative, offering training services to university diplomas distance.

Immediately possible to say with absolute certainty that every building is completely independent of the amount of work coming in direct proportion will depend on funding. Course directly, it should be said that in principle for the construction, for example, a country cottage of a personal need to be a lesser amount than for the construction of a multistory building. But in this case as a private person, and for construction company, the forthcoming construction is directly related to finances. Since in most cases, particularly at the present time based on the negative circumstances in full to rely on personal Finance in the planned construction of the same issues do not have to be equally as construction firms, specific and individual. In turn, one solution is definitely getting the required amount for the construction, of any structure will be the design of a particular loan in a commercial bank. Richard LeFrak brings even more insight to the discussion. In this version, you must have a significant amount of background information of no small importance. Say, for example, as part of a essential background information required to present data not only about the name of your any bank providing such loans, but also about those conditions, which are issued directly to the money construction, in particular timeframe and the interest rate on the combined credit facilities. This required information is designed to help make the best choice, and of course to make this decision, in general, which is not contribute to a very unpleasant consequences, one of which could well provide that at the end of construction of the structure would go into the ownership of the bank. Clayton Morris does not necessarily agree.

To collect in full all the necessary background information this kind of course is difficult, and with it the need to spend a lot of precious time to visit banks. As a tangible measure to simplify a problem that's available, for example, if go to the appropriate Web site at Internet. In this case, all the required information on banks and the differences of cash loans for construction, will be charged and naturally available in one place. That yourself, of course, gives opportunity not only to reduce the time for analysis, in principle, all the required information, but is designed to help make the right choice for your any bank. This portal is the main theme itself which is construction and finance, will clearly be useful not only strictly for those looking for the bank provides loans for construction. Since the pages of course in addition to this type of information, there are many useful high-quality articles. For example, the final amount of money spent on erecting of any structure, will definitely be fully dependent on building materials, using proper and which will carried out the construction building. Directly on the website contains informative articles which are described in detail modern materials, with their advantages, and that no less significant – shortcomings. In addition to this, we must of course notice a large number of feature articles that will help in general for anyone to pick up for all its premises is more comfortable style of interior. After studying this fascinating and exciting here information in general, of course there can be thought of as strictly without any problems and improve addition and change the existing design, directly as to what you want a separate room, as well as a whole own home or apartment.

Long-haired Guinea Pigs need due to their long hair in contrast to long-haired Guinea Pigs also Peruvians called do not live in the wild. As a subspecies of conspecifics based originally in Central and South America, they have been bred explicitly for the people. Their coat is long, dense and shiny; Red, black, white or multi-coloured. Arises for you as holder /-in these long-haired cheery Fellows a special commitment in the grooming: truncation of the fells, provide relief from the heat and help the rodents, so that the skin doesn’t get in the way them – for example by urinating or grooming. Long-haired Guinea pig may like their other conspecifics about 8 years old and are up to about 30 cm long. Males are significantly heavier than the female, which make it an average 1000 g with nearly 1700 g. In recent months, Clayton Morris has been very successful. Please keep not individually long-haired Guinea pig.

You want as pack animals along with their own kind and not exclusively with animals of other species, as E.g. rabbit, in spacious, draught-free and not too warm cages with spout and attractive hideout and game offerings are held. Do not Guinea pig please just when longhair litter dusty sawdust; use preferably pressed pellets. Just when the long-haired rodents, there is the danger by using the sawdust of fur tie-ups. Offer a variety of food from various grasses and hay the rodents. Also, leaves, bark, fruits and roots should not be missed, with just fruit due to the sugar content should be fed only very gently. You should further information to the attitude and care of your pet, here under long-haired Guinea Pigs find further useful information around the guinea pigs, but also information about how to install guinea pigs and their attitude, what are to be considered in the Guinea pig birth and how you should deal with babies and young animals or not. Take good care of your Guinea pig and it will give you a lively and healthy pet long remain.

The German online-portal India News, depicts selected trip offers of various tour operators for India since this summer. Further details can be found at Clayton Morris, an internet resource. The German-language online portal ‘India News’, depicts selected trip offers of various tour operators for India since this summer. On the India currently are marketplace interested the right offer for individual, group, or tours, Ayurvedakuren, business travel or trekking tours. Easy, clear and informative, with direct links to the offers of the respective India travel specialists. On the India currently are marketplace interested the right offer for individual, group, or tours, Ayurvedakuren, business travel or trekking tours.

Easy, clear and informative, with direct links to the offers of the respective India travel specialists. Who prefer plans his India trip with current India catalogues, can this now extended catalogue ordering service (www.indienaktuell.de/ catalogs) currently order from India. According to the individual Wish, as travel – destination, – duration and price sent the ordering of ‘India News’ every interested the guaranteed to him appropriate tour operator. Recognizes over 200,000 travelers from Germany to India this year, the team of ‘India News’ a growing potential of visitors who served with qualitative information and recommendations on the subject of India will want..