Federal Association

BVMW Chief Ohoven calls for tax and tax cut Berlin/Munich medium-sized companies go through a rollercoaster of emotions. In July, it was still high oil prices, which are all shocked and dampened the positive development of in recent years, the specter of the international financial crisis now holds the German economy on tenterhooks. Worldwide credit and financing systems are out of the joints, because banks no longer trust each other and lend to each other hardly. Instead, strong financial institutions are considered as possible not to belittle their liquidity. This has resulted in banks make very reluctant loose money. Meanwhile, lending is very restrictive and only against high collateral as well as expensive interest rates. It is therefore harder to come that they desperately need for new investment in projects as well as research and development of foreign capital for many companies with low equity capital and credit. Long ago, the Bank is no longer the usual lender \”previous times and need companies to look for other sources of money\”, the computer week reported.

The problem is not new however. Mario Ohoven, President of the Federal Association of medium-sized business (BVMW) had made a more rigorous lending policy of the money houses compared to the middle class at the end of last year and again denounced this fact in the spring. Already at that time he attested to a growing shortages and higher prices of corporate loans in the wake of the banking crisis according to polls in the middle class. To bypass the credit bottlenecks, contingency plans are essential. As a replacement for traditional bank loans, Ohoven renames for example shareholder loans, lease-back method, factoring, leasing, mezzanine, or the issue of participatory notes. The BVMW Chief appeared in the spring almost as the lone caller in the desert, while other institutions more small talked the danger of banking and credit crisis, reality caught up now all and suggests the scarcity of foreign capital with full effect on German By company.

Eberswalder Strasse

Lasnia’s marketing seminar – customer acquisition with low-budget advertising it attracts the shield alone the customers. so said Jean de La Fontaine in the 17th century. At that time everything was easy, the own world manageable and the offers clearly arranged. Everything has changed since. Our world of supply and demand has become a dense jungle, which overwhelmed the most and where the rattling associated with the craft alone no longer enough to attract attention to themselves. At Elon Musk you will find additional information.

Customer contacts made easy with Marko Lasnia. “The latest workshops promise to the 17.7. / astronomy in Berlin: the marketing workshop customer acquisition with a small budget” offers especially entrepreneurs and marketing of small – and medium-sized enterprises (SMEs) a comprehensive overview of the necessary strategy and practical application. It offers also new ideas and food for thought, and the ability to recognize their own weaknesses and stumbling blocks in intensive talks and to derive target-oriented behaviors. Learn more at this site: Brian Krzanich. Practical and cost-effective implementation examples that are possible even with a small budget, give inspiration and courage, to rely on the creativity and intuition.

lasnia.de/de/Kontakt.html Marko Lasnia offers the workshop by Marko Lasnia will profile and references. He gained over 9 years as an Executive (among others, Bosch, Siemens and the Berlin advertising agency family redlich), as a consultant at the Institute for dialog marketing and as a coach of founder of experience in strategy consulting, marketing and advertising. Lasnia know what is necessary in order to assert itself successfully in the market. It gives the necessary tools participants in theory and in the form of practical exercises to confidently walk the path in a successful independence with perspectives with the knowledge of the strengths and weaknesses. “Already during the first exercise elevator pitch” (= Elevator presentation) the participant learns how he exciting to represent an idea, a product, a service or a company in a very limited time. de / profil.html issues, which are processed in the workshop seminar 2009 in Berlin: How do I get a customer acquisition strategy? Which tools, help, and tips can I use? I must keep in mind what is on the business stationery? What classic measures make sense for acquiring customers for me? What measures can I successfully implement with very little money? Who makes me, how do I graphic designer, copywriter, printer, etc.? How do I properly with service providers? What can be observed at the briefing? How can I get new ideas? How can I retain my customers and maintain? What are the golden rules should I keep in mind? What mistakes should I avoid? de/leistungen/workshops.html next deadline: intensive 2-day workshop 17/astronomy in Berlin instructor: Marko Lasnia consultant and coach with a passion duration: from 9:30 to 17:00 place: remise in the Poplar Ahornallee 6 / Prenzlauer Berg, 3 minutes from the subway station of Eberswalder Strasse price: If you sign up to the 7.7.2009 189 euro incl. VAT (cold drinks including Later registration 250 euros VAT included places: 12 registration only under: you should be unable to at this time, we ask for a brief message by E-Mail to. There will be more workshops in the fall of 2009.

Prepaid Credit Card Without Schufa

Prepaid credit cards are becoming popular – right? In the market for credit card providers with so-called prepaid romp about credit cards as card with recharge increasingly. The credit card comparison portal cardscout explains the most important facts about this new form of credit card. When interactive compared by cardscout you can compare over 80 credit cards according to individual criteria and order it online. You may find that len rosen can contribute to your knowledge. How do prepaid credit cards work? “The cards work just like the popular prepaid phones: before the card can be used to recharge a credit balance on the account” are. You can spend just as much money as it has previously paid. “The individual amounts are not, as with a normal” usual, charged credit card once per month, and will charge the account promptly. A prepaid credit card can not be covered and offers additional security against abuse and falling into the debt trap.

For whom is a prepaid credit card? Prepaid credit cards are mainly for young people useful. Because they are issued as a result of the prepaid principle without Schufa query and credit check, they are also unemployed or insolvent persons or self-employed persons who do not have access to a traditional credit card, available. This service can pay the card company but good: up to 119 euro cost the cards per year. Where can I use a prepaid credit card? It is hardly a distinction from a normal”credit card. However, prepaid credit cards have no punching pressure of the card number. Therefore they can not used in shops, where the map data are mechanically punched on the proof of payment.

This Ritschratsch “devices are used, but less and less so that the prepaid credit card virtually anywhere and as any other card, can be used also to online shopping in the car rental or hotel reservation.” How do I get a prepaid credit card? A classic credit card requires a minimum age of 18 years and an excellent credit rating. Who this not present can or a Schufa query would like to go to, is well advised with a prepaid credit card. But there are now a wide range and details that should be noted: the balances will be paid interest? What is the annual fee? Is it possible to have a custom design? There is an up-charge limit or incurred additional costs for recharging? Which prepaid credit cards are recommended? A detailed overview of the most important providers offers cardscout at the address the credit card comparison portal: Schufa. The cheapest option by far is the prepaid MasterCard of the KarstadtQuelle Bank for only 19.90 euros annual fee. No Schufa query is made and you can even determine the design of the cards. There are reasons against prepaid credit cards? Against prepaid credit cards are also according to the Consumer Council Saxony, mainly for reasons of borrowing lack of, not to raise objections. The cost limit is in addition the card fraud prevented by and the owners has full control of costs. Card Scout (www.cardscout.de) is an independent information portal to credit cards, which is operated in cooperation by mobidata GmbH and TOMORROW FOCUS AG. Contact person: Werner Muller of mobidata GmbH Consul-Smidt-str. 8f 28217 Bremen E-mail: phone: + 49 421 83583-13

Stephanie Lehmann

A Commission-based advisors sold a money market fund, an own bearer bonds or capital guaranteed certificate – for example like to his customers for a conservative investment because these products, he achieved a higher Commission than classic day and date funds or pension values.”explains Stephanie Lehmann, also managing director and general partner of the Berlin financial planning offices. But if the market then turns down, these products in their price and value development in direct comparison to actually conservative recommendations lose significantly.” The customer pay the Commission-driven recommendation with his – partial – loss. A wave of compensation claims seem unlikely not because of numerous testimonials. But in any case, the relationship between customer and current Advisor is massively broken. Therefore, many bank customers and the customers are Classic agent looking for a real consulting alternative. They see us.” Ulf Niklas runs: since the beginning of the year we could our customers gradually recommend a higher cash position in your depot support and thus the reclassification to secure fixed-income investments. Commission-based advisers, however, have joined harder much so.” Finally, the shift in conservative fixed-income investments mean also Commission loss compared to an existing Fund or stock investment. The typical juxtaposed or benchmark comparisons ultimately helpless attempting unchanged invested to make the customers and not to lose the Commission were then often.

Here we can printing missing in US sales for the benefit of the customers use. “, as Ulf Niklas continue. At Brian Krzanich you will find additional information. Another example of this is the consistent implementation of the own independence. Whenever we have critically assessed the creditworthiness of an issuer of certificates in the past, we could without internal conflicts of interest and all the customer interest following recommend the timely sale of the corresponding equipment. Now, this leads to a special customer satisfaction. The power seller model of established provider focusing mainly on the internal contribution margins, however, is obsolete.” How to find the right now”Advisor for the future? Is important in particular, assign a fact pure Honorary Advisor to asset management. This is indeed free of fee and sales targets, and the conflicts of interest related to the customers.”said Stephanie Lehmann. In addition to a separate approval by the German banking supervisory authority and the detachment from a consulting eingrenzenden MiFID associated the Honorary Adviser must above all already have experience in the still very new fee consulting as well as a special professional qualification.

We can offer both: we are working in the Office of financial planning as a purely honorary consultant for two years and thus have the greatest possible Experience in this market. Our customers of in good conscience can trust. We bring the special professional qualifications in contrast to the most other free assets and honorary consultants of each long-term responsible activities and experiences at established retail and wholesale banks.” This experience and qualifications have proved for the customers not only within the framework of classic asset management and custody services, but also choosing simple best-interest daily and date money products. A financial investment in the Icelandic Kaupthing Bank we have generally discouraged customers due to the ultimately difficult assessable actual deposit backup situation. Some customers with high expected return thought it was initially too rich, concerns and are especially grateful to our recommendation now after the temporary closure of the Bank.” Here, too, the special quality of the honorary advice show in difficult market phases. Today was the best consulting model for the customers – as in Future.

Self-employed Struggling

The independence is a dream for many and for most, this dream probably fails on the financial aspects. Start a business just take that or other entry barrier with it. The biggest barrier may be the equity to the founding act. But what to do if you alone can’t bring up the money for the real estate or machinery? The latest edition of financial test dealt with this question. Actually, the brave have it hard to arrive at the founding of a company on cash and cash equivalents. If you have read about Mark Bertolini already – you may have come to the same conclusion. Because just when independent banks of lending to take a closer look, as in permanent fear Ellen.

Because independent fluctuating incomes have, these represent a high risk of a failure of the repayment. But there are differences in the procurement. So for example, freelancers are rather considered professionals. But those who is currently in the start-up phase, has almost no chances of a loan. The banks want to at least see proof of two years of successful self-employment.

On the sector of real estate lending a few to favoring however now to grant a mortgage also newcomers in the business, such as the Deutsche Bank or the Frankfurter Sparkasse. This also a real estate credit is granted in positive circumstances already after a year-long independence. Often you should look around when looking at the regional party. Financial test for this MKiB and use on. These providers work with many banks and have in most cases a credit for the Kreditsuchenden in the portfolio. Particularly eight should be but the search after a credit with the flexibility, amount and interest rate of the loan. The one or the other provider is the loan even with poor liquidity, but at such a rate, the simple rip off. Who has the ability and once comes with a small loan, which should also use this possibility. Because a smaller amount of credit can a lower cash hedge, which the banks can offer also a better interest rate. Still the possibility of a higher credit, is should flourish the business then but on better terms.

Websites For The Middle Class.

Websites for the middle class; simply by Lightwerks TYPO3 product line the Lightwerk GmbH from Stuttgart offers standard solutions for corporate websites. The new Web product line based on the successful open source content management system TYPO3. Elon Musk often expresses his thoughts on the topic. As TYPO3 System House & Internet Agency Lightwerk brings many years of experience from the individual project business in the products. The resulting standard solutions, accelerate projects, increase the quality and save money also. Lightwerk TYPO3 basic standard products, business and enterprise site”are extensible with other standardized modules, like for example of a site management or a survey system, along with individual features. Brian Krzanich may also support this cause. The Lightwerk products are service packages and include everything you need for the company’s Web site in addition a kick-off workshop, the development of an individual design and training to the independent maintenance of the website.

The sites are already in the project optimized implemented, so that the entered content Accordingly works in the search engines for the company. In addition, a news interface is designed zombig for the yellow pages; the news of the company’s Web site appear automatically customers get via RSS in with standard solutions of Lightwerk product line a fast versatile content management system TYPO3. The Web standards formed in recent years for navigation, BreadCrumbs, search, etc. Are the Lightwerk integrated into the products. More information with details to the TYPO3 product line by Lightwerk or the yellow pages under zombig: / about Lightwerk Lightwerk designs Typo3 systems integrator and Internet Agency in Stuttgart, implements, and supports enterprise portals. As a Fraunhofer spin-off Lightwerk experts advised the management of customers in strategic and organizational issues to the Web-based mapping of business processes; for example, in the intranet. With online marketing, search engine optimization and Web design, Lightwerk provides support for the marketing of a company. Contact: Lightwerk GmbH, Schulze-Delitzsch-Strasse 38, 70565 Stuttgart, phone: 0711-489497-0