All Financial Services

Ulrike Herud

“He declared: I am very satisfied, our new working time model organic adapts to the company.” Need for predictability of Simone Back stresses that well planned working hours for companies are also an important factor, to position themselves on the labour market as an attractive employer. This fits with the findings of Dr Jurgen P. Rindersbacher by the Deutsche Gesellschaft fur time policy. “He said at the closing ceremony: workers is increasingly the need for predictability and regularity of their working hours.” After the completion of the model project the RKW Hessen will continue to offer work time analysis for small and medium-sized enterprises. t websites. Also the RKW Hessen network of labor advisers will remain. In addition we plan a forum where companies about their experiences can interact with innovative working time models,”explains project leader Simone Back. The model project work time was between 2010 and 2013 by the Federal Ministry of labour and Social Affairs funded and technically accompanied by the Federal Institute for occupational safety and health (BAuA).

Promoter was the society for social business consulting (gsub). press contact: Dirk Rachel main view public employment agency phone 0 69 / 48 98 12 9 – 0 company contact: Ulrike Herud RKW Hessen GmbH Tel.: 0 6196 / 97 02 – 28 who is expert for the middle class the RKW Hessen a Hessian institution, since small and medium-sized enterprises (SMEs) access to external know-how and subsidies from the State and the EU for consultations. Range from the personnel and demo graphy consulting, organisation of working time of all business areas energy & resource efficiency and Kulturcoaching. It does work when applying for funding the RKW Hessen and with its quality assurance ensures the economic success of advice – on more than 1,000 consulting projects in Hesse.

Security Order

Rinn window and roller shutter has found the perfect solution for his mounting vehicle. What is the ideal installation vehicle for classic craft operate of the roller shutters and window construction industry? The 10-member company from the Hessian Heuchelheim dealt with this question. At the company great in the nearby Wettenberg, one of 40 bott service partner, was the specialist with his ideas. The need for an outer reef to transport of the made plastic window was clear. But also in the cargo hold of the proprietary Ford Transit, the safe transport of components and other bulky transport goods should be possible. As well, the responsible company management employed the theme securing.

The equipment, the company mostly in renovation of old buildings is versatile and extensive. It should be safely transported, but also clearly arranged so that no long search times occur at the construction site. Also the Meisterbetrieb attaches great importance to its appearance, and is aware that many potential customers pass his van parked often with open doors at construction sites and thereby throw a curious glance. Matched to this requirement profile the vehicle establishment expert large planned the solution you’re looking for. The floor of a vehicle allows quick backup of bulky cargo with integrated support Rails for tie rods and tie-down straps, opposite Rails on the roof spars.

Standard tools, sealants and mounting material found in a space-saving bott vario vehicle Setup module your safe ride and is clearly organized. Desire after a safe transportation of Windows inside the vehicle fulfilled large through the installation of an inner reefs and thus created more opportunities. So, it can also roller units, ladders, scaffolding Trestles or power tools by means of tie rods or straps can be fixed quickly. Planning deposited with 3D-Zeichnungnen, it was quickly clear that this solution of the bott service partner meets all the requirements. It brings Security for the inmates, as well as order in the vehicle. It leaves yet enough cargo space for the individual transport goods, which varies from order to order. Press contact Bott GmbH & co. KG railway str. 17 d 74405 g village Bernhard Teuffel Tel: + 49 (0) 7971/251-214 fax: + 49 (0) 7971/251-295 of Bott GmbH & co. KG the Bott group develops and produces at three European sites, vehicle, equipment and workplace systems. Bott supplies customers in industry and trade worldwide, with its products. Her efficient work in manufacturing, service and installation is the focus. The headquarters of the group is located at the start-up and production site in Gaildorf (Germany). Furthermore, manufactured products in booth (UK) and Tarnazsadany (Hungary). Bott offers a nationwide service network with other distribution companies in France, Austria, Denmark and Italy, as well as with license partners and importers all over the world, and is individually on local needs a from planning to installation.

XCOM Africa GmbH

The company, maviance GmbH, headquartered in Leipzig has opted for XCOM Africa GmbH as a strategic management consultancy for market entry into Nigeria. maviance, which is focused on mobile applications for companies in Africa, is mainly a market for its mobile micro financial system in Nigeria. The maviance mobile micro financial system enables it to offer services at the customer in rural areas locally, for example financial institutions, which are possible only in the stores. This is also called agent banking or referred to Branchless banking. Among sales representatives of customer data can record, create new customers, collect rates of credit and make payments.

The transactions are then confirmed the customers via mobile printer or SMS and automatically sent to the server in the branch. This will increase the transparency and efficiency within the business processes and input of the data are no longer necessary. This leads to increased profitability and efficiency of the companies. The maviance mobile micro financial system is tailored to the African market and the local infrastructure conditions. Within the framework of cooperation XCOM Africa for maviance completely take care of the Nigerian market, allow market entry, and positioning the products.

Long-term goal of the cooperation is a growth strategy the Nigerian market to develop for it, leading provider of mobile solutions for companies operating in Nigeria to become sustainable. Maviance GmbH: Maviance is a young, customer-oriented software company, which has set itself the goal, African companies from the energy and the financial services sector in the long term to enable the sustainable success. This is ensured through tailor-made IT solutions. maviance uses his years of experience to bring companies into a solid and competitive position. In addition, maviance of them is convinced that companies can optimize their work through IT solutions. In this regard, maviance takes a holistic approach. The product portfolio ranges from mobile micro finance and insurance solutions to mobile solutions to the counting value of observations for the energy sector, sales and payment applications. More information under: about XCOM Africa GmbH: XCOM Africa GmbH is one of the leading German management consulting that specializes in African growth markets. The company advises German and international companies with their market entry in countries like Nigeria, Kenya, Ghana and Rwanda. The services include market analysis, market entry strategies, coaching, intercultural training, identification and selection of local partners, the hands on”realization of market entry.

Dormagen Shop

The frontier justice Dormagen delivers fresh asparagus from the field in the best quality with the limit Court Dormagen with farm shop customers find a very welcoming alternative to the supermarket, to buy fresh produce from field to fair day food directly from the domestic producers. Now 40 years comes here fresh asparagus from Dormagen directly from the box in the shopping cart. This is not an industrial product of mass that has traveled halfway around the world. Fresh asparagus from Dormagen is a homey, that needs to travel a very short distance from the fresh harvest to finishing at the Court. This asparagus from the field has not only a good Ecobalance, he loses nothing on quality above all due to the rapid processing and direct sale. Fresh asparagus from Dormagen is an aromatic delicacy, which is complete with a good white wine, a juicy ham, and a homemade hollandaise sauce to a balanced taste experience can be. Customers who opt for a such top quality product support their home and regional production.

Products for a healthy nutrition in the farm shop buy box freshness In contrast to conventional products that often have a days way behind and in supermarket shelves waiting to be bought, boasts fresh asparagus from Dusseldorf fast processing. After the hand-picked harvest, the noble bars are taken to court where they are washed and cooled immediately. A modern sorting system divides the harvest in 20 rankings. Immediately afterwards, the asparagus in the farm shop is offered customers at the current price for sale. It is sold partly on trade or on selected restaurants. Therefore, fresh asparagus from the Rhine region NRW Dusseldorf is a sumptuous pleasure. In the farm shop, customers to the season can buy also aromatic strawberries in top quality. The farm shop is a popular destination for large and small visitors visit the rustic farm shop is also for a family trip offered the children on the subject of buy and eat a healthy diet ‘ apparently can bring.

Also the horse boarding, as well as the way to Christmas, to be able to cut down a Christmas tree itself, make the visit to the frontier justice Dormagen a shopping experience beyond by discount stores and large supermarkets. Fresh white cut asparagus from the field a healthy treat for the taste buds asparagus is one of the most popular vegetables on German plates. Fresh asparagus from the field is not in vain as a Royal vegetable ‘ referred to, because that balanced mild flavor composition the Poles makes a tasty delicacy, which is also very healthy due to vital vitamins and the draining effect. Fresh asparagus from Cologne is also due to the possibilities of making a popular hit of flavor: fresh asparagus from Cologne can be enjoyed neat or with a hollandaise sauce, also responded with savory dishes with fried asparagus and delicious can asparagus dishes offered. In addition, there must be no waste when preparing because from the skins You can with just a few ingredients and a drizzle of lemon conjure up a delicious cream soup. Fresh asparagus from Cologne characterised primarily by, that the tubes are juicy. If you press your finger in the lower edge, so liquid must be clearly visible. Asparagus, which are fresh and juicy, is characterized by a delicate bite.

Ohoven State

“” BVMW President Mario Ohoven: State must reclaim power over financial markets Berlin for a partial nationalisation of all 50 global systemically important banks, the President of the Federal Association has made medium-sized economy (BVMW), Mario Ohoven,: now helps only the big axe “, so Ohoven in an interview with the business magazine for the middle class”. Ultimately, the State in the interest of the taxpayer must recapture the power over the financial markets. SME President welcomed the rapid action of the Federal Government on the establishment of a financial market stabilisation fund. However, the intervention rights, has secured the State in return for the bailout billions, are totally inadequate. Measures such as the possible reduction of Manager salaries it is not enough.” The State lead to the highly indebted banks equity capital. In return, he must receive preference shares and far-reaching intervention rights. It will be necessary, so Ohoven the financial markets and institutes throughout Europe to regulate in order to prevent a crisis of this magnitude in the future. This means a ban on off-balance sheet financial market innovation, a better liquidity of the banks and a greater personal liability of bank managers.” In addition, the countries of the European Union should set uniform rules for the deposit protection. Source: Larry Ellison. Editorial: (see profile)

Alternative Business Financing

Standard-mezzanine programmes burst alternative corporate financing over the issue of private mezzanine capital are as burst possibility of corporate financing increasingly attractive standard-mezzanine programmes; Banks deny much-needed financing alternative corporate financing, in particular over the issue of private mezzanine capital are becoming increasingly attractive as a way of business financing. The traditional bank financing was years ago for most small and medium-sized companies often additional investment capital to generate the only way, alternative means of financing for many such companies have become so everyday. So which increases the equity ratio by its balance sheet-shortening effect and thus paves the way for the additional equity capital or even foreign borrowing used on the one hand, in addition to various funding programs that are regional or also on the actual business part, increasingly factoring or leasing. The others were straight- in recent years – by many companies in addition mezzanine financing used. Mezzanine capital can be designated as foreign capital, as well as equity capital comes from the Italian term \”Mezzanine\” and referred to the mezzanine in the midst of two main storeys in the architecture.

In corporate finance, mezzanine capital for financing, which, as the architectural origin suggests – balance sheet occupy a position between the equity and the debt stands the name. Mezzanine capital is a collective term for all so-called hybrid (= mixed) financial instruments, which is a pure equity versus the pure debt capital. The design of mezzaniner financial instruments can be both close to foreign capital (\”debt mezzanine\”), E.g. in the form of a subordinated loan with a fixed or variable interest rate, as also equity capital close pronounced (\”equity mezzanine\”), in form of (atypical) dormant holdings, profit participation rights or value securitised paper genus notes. Added Mixed forms such as convertible and warrant bonds, providing both equity and debt instruments. While debt although economically representing mezzanine equity, balance sheet but foreign capital is mezzanine equity also extended to include equity or equity capital replacement, which strengthens the equity ratio, corresponding design is tax but still treated like foreign capital.

Basel II Available

It is increasingly difficult to ensure sufficient financing for entrepreneurs experts and practitioners on SME financing Augsburg – due to tighter credit conditions and the implementation of Basel II directive. Daily business will hold most entrepreneurs of principle and strategic funding opportunities through their banks, to orient and inform. The Expofin, on 23 and 24 November 2007 took place in Augsburg, offered for the first time a platform on the information around entrepreneurs financing compact, concise and were personally available. Provider of financing and Fachdienstleister can be presented within the framework of the two-day event. You coming around 90 exhibitors met mainly from Germany, Austria and the Switzerland more than 500 visitors. The launch was a complete success.

TV24Media has kept the special atmosphere of the fair in impressions, recorded numerous high-profile presentations and expert interviews with Exhibitors and experts carried out. The produced articles available available. We wish you interesting and entertaining hours. Company: MOVILUTION MEDIA based in Augsburg operates as a service provider in the areas of business TV Internet and knowledge-based systems, as well as operators of Internet TV channels. Via the transmitter platform TV24Media.com and integrated channels current and high-quality business content (information and edutainment) offered specialists and executives of IT about finance and law to marketing and management.

Debtfinanced Spending Programs

Middle-class needs in the short term working capital financing Berlin, July 31, 2009 – the financial expert Prof. Ulrich van Suntum thinks nothing of the plan of Finance Minister Peer Steinbruck, if necessary to force the banks to lend to companies: “That doesn’t work,” van Suntum writes in the okonomenBlog of the initiative new social market economy (INSM). Rather than compulsion puts on special economic loans”the Director of the Centre for applied economic research of the University of Munster, whose rate of economic growth is linked. The core problem of the credit crunch is the lack of liquidity of the company. Banks Park the money in the banks because they are afraid to give credit to the economy. Although the central bank interest rates are historically low, corporate loans remain expensive and are difficult to obtain.

It is important to relieve the companies of the illiquidity risk, without thereby removing the normal entrepreneurial risk them. Van Suntums proposal: special economic loans, whose interest rates on economic growth and the It is linked to long-term real interest rates. In times of economic weakness, this interest rate under the normal conditions of credit in booms in would be. Van Suntum: “in the current crisis even a negative interest rate would will be paid out the company currently about 2 percent, rather than as currently about 6 percent charge.” The Central Bank would have to offer a similarly favourable refinancing. That decrease while future Central Bank profits and indirectly also the budgetary burden: “This Keynes 2.0 is model non-cheaper than debt-financed spending programs”. The current stimulus programs combat only the symptoms and not the causes of the crisis. Emergency measures to secure the financing of medium-sized businesses of the President of the Federal Association calls for medium-sized business (BVMW), Mario Ohoven: faced with the dramatic drop of in lending to 35 billion euros to companies in the euro area alone in June to this year, the policy must be immediately. Otherwise he threatens the restrictive credit policy “Banks tens of thousands of small – and medium-sized enterprises the insolvency.” The middle-class President proposed as a first step, to increase the assumption of liability by the KfW financing of working capital by up to 50 percent to 80 percent.

If the credit crunch worsens, the Bank principle should be overridden limited. This would give the opportunity to lend directly to companies”KfW, explains Ohoven. He also calls to expand the scope of the financial offices to distressed companies. Tax deferral immediately can be approved until a year payment on request. In SME financing is danger in delay, stresses Ohoven.

Folder Even Shape

Folder printing and Celle photo folders made easy in April 2011. The Achilles group, one of the leading paper finishers and suppliers of individual folders, private and business customers offers a new service: on the website can make them their folder itself and printed on the folder. “” The offer of easyOrdner is private in the three areas of”business” and professional “divided and exactly tailored to the needs of each target group. Folder even shape and print folders become a reality of trade and traders to the collection of business records for customers, employees or business partners, as well as for the storage in your own Office so easily, quickly and affordably. Step by step to the personal request folder (individual): A consistently simple menu design guides the visitors of to his individual folder. First, the mechanics of the individual folder, the handle hole and finishing are chosen, before it in the Layout design right. This provides easy folder around 100 templates for certain industries with a suitable design. Photo order for pharmacists, freelance architect, doctor, photo folder roofers, painter, gym operator, carrier, Steuerberater, clinic operators, photo folder for car dealers or landlord, city management, insurance agents or hotel operators about 35 industries find easy folder their personal photo folder.

The personal favorite is selected, your own images, logos and text to personalize can be inserted in addition and examined in a 3D view. Completes the design to the full satisfaction to go to the folder printing. Print after the folder is the individual folder is placed in the shopping cart and ordered online. The delivery takes place after a few days. Integration of common graphic programs of service is professional for creative at in the area as an alternative to folder even shape and print folder”located.

There, including agencies or marketing departments, you will receive established graphics program would use the layout templates for the design of button in all popular formats. Already designed templates can be uploaded to, this eliminates the step folder even shape and print folder. Depending on the quantity of the ordered folder, the price per copy between 12 and 15 euros for a single purchase order moves up to around 1 euro when ordering from 3,000 units. The respective prices are, in the process folder printing transparent shown and listed already in the selection of article photo order in the first step. If lamination, foil stamping, painting or Humidityfree are the finishing versions of printed materials diverse and varied. The Achilles group has over 30 different finishing options in their offer. It has two plants at its headquarters in Celle, 13 locations throughout Germany as well as several locations in the Czech Republic and Poland. Around 500 employees ensure that the customers of the Achilles group at printers, In the truest sense of the word impression a shiny publishers, agencies and industry customers. Moreover, the medium-sized company with Achilles presentation products GmbH (APP) provides innovative presentation products such as ring – and offer solutions, lever folder, press boxes, slipcase, boxes, register or packaging. Also commercial direct customers, publishers, licensees and retailers perceive as well as advertising agencies and printing companies offer. Contact: easyOrdner GmbH Mr. Ali Jason Bazooband fractional k trail 40 29227 Celle Tel.: 05141 / 753-241 press contact: TILL.DE GmbH Marta Baranowski FON: 0531.390239-11 E-Mail:

Martin Schaarschmidt

Joint presence with IGA OPTIC learned again positive response start to the year the eyecare industry: but at this year’s international optometrist trend fair opti, which took place from 13 to 15 January in Munich, could consult 23,000 visitors not only about latest trends for good looks but also about current developments at the good hearing. In the exhibition halls present indeed the HoREX of hearing acoustics EC was leading, Association of the German hearing care professional industry, which is presented together with its cooperation partner, the IGA community of interests EC (IGA OPTIC), optics. Over 380 member companies of HoREX, many offer a combination of optics and acoustics of the listening. During the fair in Munich, many visitors took the opportunity to learn about the services of the community. A fundamental concern of our community is to assist small and smaller companies of the German listening acoustic market in their market presence”, explains Tannassia Raghavan, an Executive Member of the Board of HoREX. We offer attractive packages in all relevant areas of our member companies. We help them to prosper in an ever-harder competition.

And last but not least, we are a strong and vital community. Many of our members are active in hearing acoustics as well as in eye optics. Opti is a platform that is worthwhile and that has proved for us.” The HoREX is a regular of the opticians fair to inform a wide audience about the own attractive services for four years. Here, the Community presented 2012 again along with their long-time partners, the IGA OPTIC optician community. As in previous years we could during the three exhibition days many good conversations and make new contacts “, so Mario Werndl, Member of the Board of Directors of the HoREX.

Many visitors took the opportunity to learn about the benefits a HoREX membership to learn. Our joint trade fair presence was also a lively meeting place for members of both communities.” Editorial Note: the hearing acoustics EC headquartered in Kreuztal HoREX was founded in 1995 and is one of the leading performance of hearing-acoustics industry. Today, nationwide over 380 listening acoustic master specialist businesses belong to her. The HoREX care professional aims to offer an individual hearing solution people with hearing loss, which focuses on personal hearing requirements and a fair price / performance ratio. The HoREX provides future-oriented perspectives and an attractive shopping policy, extensive marketing support and numerous services, offers in-service training and quality certification to its members.