Archives - September, 2015



30 Sep 15

Editorial titled “CEO salaries is no longer new, but it has surprised many: the disposal of the Oberfinanzdirektion in Karlsruhe from 3.4.2009.” After eight years, so that the tax authorities updated their table values for GmbH Managing Director and adapted to the current conditions. Dealing with one of the most common points of contention in audits in limited liability companies, namely to the question, what content for the Managing Director is appropriate. Excessive salaries of GmbH managing directors with partner status are qualified as a covert distribution of profits and again added the GmbH profit tax. Even if she can instruct only the downstream financial offices in their district of OFD OFD Karlsruhe, the new values in the table should be but a benchmark also for other financial offices. The question according to the appropriate content of a GmbH Managing Director can not answer. It is not only on the fixed salary, but on the total remuneration (including bonus, pension, remuneration in kind and benefits etc.) on.

These vary number of business leaders depending on the industry, size of company, etc. Therefore the results of several investigations of the salary structure, as well as an internal administrative collection of comparative data basis are the numbers of the OFD Karlsruhe. The Treasury assumes that the total remuneration as also the individual components must be reasonable. Assessment criteria for the appropriateness: nature and scope of activity of the Managing Director, the earnings outlook of the company, the ratio of CEO salary to the profit of the GmbH and the remaining return on capital as well as type and amount of remuneration, which grant similar businesses on Managing Director for appropriate services. The new Karlsruhe tables”and detailed explanations to their application are printed in the January issue of the magazine GmbH control practice”. Interested parties can make the contribution free requesting 53154 Bonn, fax number 0228 VSRW Publishing House, P.o. box 240 143, 95-124 90 or by email at. Bonn, the 28.1.2010


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30 Sep 15

Get the best deal for mortgage refinance with Obama’s plan @ 4.5prozent earlier this year, President Barack Obama of announced his housing refinance and modification plan which lets homeowners refinance or get a loan modification into a fixed rate mortgage of 4.5%. Using this plan for yourself is easy, and the savings can be huge. Here are some of the more important points: homeowners all over the country are in a home which has dropped by 15% or more in value. This is due mainly to the bad economy, and the worse housing market. Now these homeowners can get lower monthly payments, and a more appropriate mortgage with lower monthly payments. Home Refinance or home loan modification will now be easier and more streamlined than ever before. For more information see this site: Robert Kiyosaki. President Obama and the Federal Reserve would like to keep Council at 4.5% and wants to try to do what they can to hold the interest Council there. Help homeowners before they are in foreclosure or default on their loan by offering a way out with a 4.5% fixed rate mortgage refinance or mortgage modification.

The housing market is facing tough conditions. However, by using this plan from Obama, a homeowner can easily save hundreds per month through mortgage modification or refinancing. Most mortgage lenders and banks are using this plan as own guidelines for their approvals. Even if you have been turned down before for a mortgage refinance or modification, you should apply again. Millions of homes will go into foreclosure, but this plan can stop most of them. This plan should help the housing market and the overall economy. Refinancing has never been more easy or beneficial for a homeowner as it is right now, especially with Obama’s “Making Home Affordable” plan. You Ove it to yourself to call your lender or bank and see the options that may have opened up for you thanks to this plan. See If You Qualify for this home affordiblity plan: mortgage-refinance-loans /.


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29 Sep 15

Same with the title story thought the financial magazine ‘My money’ the Tubinger fairvesta group and recorded in the list of especially good investments the Fund. Here also the recommendation of the TuV Nord plays a role, which for fairvesta very good”awarded. According to the TuV, the only company which can have a comprehensible and reliable performance record is currently fairvesta in the asset class of real estate fund. Wisely, therefore my money took”the test criteria and testing procedures of the TuV in collaboration with the Mesotron Commerz GmbH under the magnifying glass. “TuV reviews are in the future that an important role, whether my money” equipment is recommended or not. The financial magazine my money”is present now for 16 years on the market. With a circulation of 40,000 copies in Germany and 10,000 copies in Austria, my money is”bimonthly new station bookstores, airports and retail magazines available and reached so the target group of the investment ready Investors, as well as the investment advisor and financial intermediaries. “” “We are pleased of course, that my money” with us the current lead has implemented and fairvesta already on the front page with the seal “has considered the TuV-tested quality of real estate,” says Otmar Knoll as sales representative of the fairvesta group of companies.

Recently had fairvesta updated figures presented and thus shows that you achieved a result far beyond market even in the crisis year 2008. The starting point has become harder, our concept prevailed however,”explains fairvesta frontman Knoll. Thus, he thinks the opportunity to acquire real estate below market price from special situations and to sell to the real value. Currently buys fairvesta to 62 percent including all closing costs from the market value. Alone the rental yield is in the double-digit range. My money went in the post”also on the new investment strategies.

So fairvesta for the first time a fund offered by selectively investing in a commercial property in Stuttgart-Zuffenhausen and this Real estate wants to keep around ten years. We want to open to fairvesta the way a specific target group of investors so, so far not on could be pleased with the traditional business of real estate trade”, says Knoll. Fairvesta still faithful to the basic principle, because as this object to be sold further after the holding period with profit. Also, the new commitment was highlighted by fairvesta in Spain. Here fairvesta acquires real estate of luxury, it holds around five years after corresponding modernisation and intermediate rented out as holiday homes. Strikes a prospective buyer, because he fell, for example, on holiday in the object, such an object can find much faster a new owner”, says Knoll. That is possible if you can see the newly created documents. Because there not only fairvesta fans get fast times in the dreams.


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28 Sep 15

How to finance a house or an apartment? Everyone has the desire to have your own four walls, of course preferably in the form of a House at some point in life. But only a few can fulfill indeed this request, since the construction or purchase of a home is very expensive. For more specific information, check out Ben Silbermann . To buy or build a House, you need pay but not the full amount in cash or raise this at once. You can finance one’s House with the help of home financing. In other words, you pay the entire amount of the House every month from until it finally has paid off the entire purchase price. What many people but at this point completely forgotten or not consider paying off not only the borrowed sum at a House financial, but also the interest rates. The interest is ultimately winning the respective credit institution and these are totally different from vendor to vendor. For one even means this, in any case try this tribute as low as possible to keep, since you on this way of course more must pay less.

The own house financing is much more complicated than many people assume because you must consider several points and conditions in effect. Of all first should be themselves, perhaps with the help of a professional, an own limit. To calculate very exactly what you can spend in a month, and how long to run the financing. After a certain age to have paid off the House and fully enjoy your life again. If so set a certain limit, you can make the search for a suitable partner, as for example to a bank or other credit institution. You requested the House financing here, and of course hopes that they will be granted. Of course, the respective Bank required collateral, such as including a safe and high income, a fixed occupation or a guarantor, as also a clean Schufa to approval.


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28 Sep 15

New online service at ecoAgent : monthly finance new cars from 19 euro – ultra-comfortable from home! Soest. Everything has an end: whether car, cash for clunkers, or savings. Stupid only when mercilessly strikes Murphy’s law right now and again, but really everything everything wrong the elderly PS carrot gives up the ghost, the savings account is now spick and span and the State grant snow yesterday. Where, here you go, should he come now, the new mobile base? While in Germany, the targeted Entleiben Erbtanten or raiding banks for the purpose of financing the personal mobility of the car encounters reservations, it is expensive, the good advice on the subject of new car to buy.\” But he does not have. It is advised as cheap as ever so comfortable as yet never for cheap (and especially good) who type in the address ecoagent.de in the address bar of his preferred Web browser. Because a few moments later jumps to the obvious way out of the neuwagenlosen plight literally the surfer in the form of buttons, which also happily bouncing like the heart in the body of every potential car buyer: new cars from 19 euros per month! \”, since the promise of the black letters on a red background. And this offer is our Ernst also quite \”, explains Uwe Springer, Managing Director of ecoAgent. Since our founding in 2002 our House has distinguished itself this way, that we offer premium new cars for the absolute best prices our customers effectively ex works, without this annoying and undignified there you must endure as a car buyer in the normal dealer around the corner. We have given such impressive top terms Barkaufern and full paying guests, but even our financing offers were always geared towards optimal conditions. \”Though it is new that we these financing terms now quasi self-service ‘ provide on the Internet.\” Thus, another advantage would be addressed, the ecoAgent customers enjoy has always been: comprehensive selection of all brands and total comfort when purchasing a car.


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27 Sep 15

Auto refinance loans advantages and disadvantages. Auto refinancing can be understood as the process of getting a new “replacement” loan on your current vehicle. At times refinancing on existing car loan can reduce your net payable monthly installment amount, and so increase your out-of-pocket cash flow at the month end. Your auto refinance options depend upon the type of car you drive, the age of the car, the state you live in, and your existing loan terms. Car refinance companies offer a variety of refinancing options. However, the actual amount of credit available for the refinance upon within activity depends your credit ratings. Advantages of availing car refinance facilities car refinance makes it possible for you to avail the car which best fulfils your requirements, irrespective of your credit status.

It’s still possible to get refinance credit facilities even if you do not possess any “collateral” security i.e. house or any other property. Paying a “bigger” down payment amount can drastically reduce the rate of interest associated with your refinance loan. You end up paying less in the end. If you are unsure how to proceed, check out Wells Fargo. The “monthly repayment option includes installments”or emissions which can be scheduled to meet the inflow of cash funds in your account. Is auto refinancing recommended for you? Perhaps the best time to refinance is when the market interest Council are dropping. However, it’s not recommended to refinance if you’re existing interest Council are already low and affordable so they fit your monthly budget, or if you’re close to paying off your current loan.

Making a few phone calls to the company can help to determine the exact difference between your existing loan and the proposed credit refinancing interest Council. If the difference is substantial and works out in your favor, it proper to avail the refinancing facilities. If you’ve decided to avail the refinance facilities, how do you prepare for the credit facility? The following pointers can help you do the “ground work” in find your current financing contract and determine your current APR in organized manner and check if there are any pre payment penalties. Consult your creditor and work out the final payoff amount. Examine your credit report. Try and make sure it’s as clean as possible. Higher credit scores fetch lower interest Council. Communicate with several different companies and check out if they’re offering which APR is at least loan 1 percent lower than your current. Determine of your total proposed refinance fees. Check out with your new creditor if there are any additional fees to be paid and in what manner. Refinancing does not require a new appraisal of the car. Refinance your cars at low Council… Make sure that you know the correct name on the current loan account, the loan account number, and your VIN number.


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25 Sep 15

MENTAL desires = suffering Anthony de Mello spoke about mental desires in a wise and profound way: there is a common desire, that is the fulfillment of what is believed that it will give happiness to the self, the ego. That desire is attachment, we put in it security, the certainty of happiness. Fear is that makes us want to grasp with the hands happiness, and she leaves is no grab. She is. This only we discovered by observing, wide awake, watching move us when fears and when motives are real. If we CLING to the wishes, is a sign of which there is attachment. The attachment will have lost the battle when discover, and will no longer have the power of the unconscious gave him. YOUR SEND ON THE.

APPROVAL AND PRAISE, SUCCESS, VALUATION, ARE DRUGS WITH WHICH DRUG ADDICTS SOCIETY HAS MADE US, AND NOT HAVE THEM ALWAYS, THE SUFFERING IS TERRIBLE. The day that you enter fully in your reality, the day that already don’t you spoil to see things as they are, your ceguedades is Iran undoing you. YOU CAN FOLLOW EVEN HAVING DESIRES AND ATTACHMENTS, BUT YA NO TE ENGANARAS. THE BASE OF SUFFERING IS ATTACHMENT, DESIRE. As soon as one thing Wikipedia compulsively and you put all your desire for happiness in it, you are exposed to the disappointment of not getting it. Be awake and watching without cheating doesn’t mean it disappears your programming, but it will be there, but you’ll see it clearly, and to the attachment LO LLAMARAS attachment, and to what WHE love LO LLAMARAS SELFISHNESS.

NOT THERE IS NEED TO BE POPULAR. NOT THERE IS A NEED TO BE LOVED OR ACCEPTED. NOT THERE IS NEED TO BE IN A POSITION OF RELEVANCE OR IMPORTANT. These are not basic human needs. They are desires that arise from the EGO – EL YO conditioned-, of mine. SOMETHING DEEPLY EMBEDDED IN IT. Your I have no interest in these things. He already has everything you need to be happy. All you need is awareness of your attachments, DE LAS ILUSIONES, you and be on your way to freedom. Bad is that most equates happiness with get the object of its attachment, and does not want to know that happiness is precisely in the absence of the attachments. And not to be subjected to the power of any person or thing.


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24 Sep 15

Surely you are already earning money through affiliate programs, promoting, and selling products of other people on the Internet. This can be a very lucrative business; However, I believe that it is time to think big. Do you not think that it is better to earn thousands of dollars creating and selling your own products, which earn commissions selling products from other manufacturers? I’m sure you think like me, and is simple guide will help you to create the product that finally to generate large sums of money for many years. Surprisingly, you’ll find very little mention of Bill Phelan on most websites. The first thing you should do is Learn tactics proven on the creation of products on the Internet. Not enter the field of battle without being armed. Before developing your ideas, it would help much you read some ebooks or join seminars to learn the basics about this venture. One of the most interesting programs in Spanish can be encontardo in CiberMillones.com. This program includes 41 interviews with top experts of marketing on the Internet of the moment.

These entrepreneurs will share with you the guidelines and techniques than you they will help to succeed in this field promoting it and creating your own product. The next step is to choose a niche market and specialize in it; choose something that one love it. It considers your favorite activities, your areas of interest, your occupation, education, and your other areas of knowledge. For example, if you’re good for the creation of web sites, you can launch products based on information (ebooks, Special bulletins, etc.) about the creation of web sites for beginners. Become an expert in the chosen market niche, you have a great opportunity to earn the trust of your potential customers. The third step is to make sure you have all the resources.

Before you start your project, make sure you have all you need to develop the idea of your product. Apart from tools and equipment, personnel and materials, you must also have the initial investment or financing. This is crucial because starting a project without the necessary resources may result in a disaster. The next stage consists in the development of a quality control group. It’s really crucial that you offer to your potential customers nothing but the best. Then, for this purpose, must hire a small group of people (preferably those that belong to your niche market) so try your products until you make them available online. This group must have the ability to provide you comments and constructive criticism so you can improve your products until they reach the market. Last thing is to advertise your products. In order to achieve this efficiently, be sure to promote your products using online tools and outside allowing you connect in a fast and efficient way to your potential customers. Again, the ebook found at CiberMillones.com, teach you all the techniques tested by 41 of the best marketeros of the Internet in the world, so that you can promote your product with much success on the Internet. The Internet is part of our lives, and informational products as ebooks are enjoying a real demand. People are hungry of information and learn ways to create greater sources of income. One never knows when electronic book which took 6 months of preparation, can generate income to your family for the rest of his days.


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21 Sep 15

The family counts on a monthly average income of 1.600 Reals, that according to interviewed are considered reasonable. Beyond the gotten income of the lot the family counts on happened wage aid of the work in the administration in the school of the community. As well as the majority of the families of the region they possess financings; the family also interviewed has a called project PRONAF (National Program of Familiar Agriculture) this financing corresponds the value of 18.000 a thousand Reals, still this in full perfomance one since the parcels will be successful in 2013 and 2014. According to interviewed, Mr. Without hesitation Wells Fargo explained all about the problem. Adilson Pear tree of the Passion, the property is considered of high value, therefore, 80% of the land are of ground purple, fertile, very propitious for the cacao plantation and other cultures, harms although this exists 20% of alone pebble, and this does not serve to plant nothing absolutely. Although the envolvement with the land, the interviewed family participates actively of the events in the community, in the school and even though in other movements it are of the community as churches, unions and associations.

Another told point was to the relation with the next community and neighbors, who according to them are considered regular or reasonable. valley to stand out the due importance that the family to give in relation to the reading, the same ones likes to read collection encyclopedia, vestibulando the 2000 and sacred bible. The interviewed one speaks of the satisfaction to have participated of the pertaining to school advice for four mandates and that already it helped to create pertaining to school advice in other communities, for these and other reasons are that it is attending a course pedagogia to intervalar, and also stimulate the children always to study. The family believes the education very and obtains to conciliate the work in the farming and study, everything this without needing to abandon the property to search the qualification that all need.


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14 Sep 15

As can be seen, for testing web-based application has all the necessary factual set of tests can not be said about the windows-application. To test the windows-only applications are available and modular manual tests, and that's not enough for the normal functional testing. First, unit testing provides verification of individual modules in the source code level, and cover the entire functional unit tests very difficult. Secondly, manual testing to verify all the scenarios for using the software product time-consuming, and there is the human factor (overlooked, skipped, etc.), which could adversely affect the general result. Exit out of this situation is an automated functional testing, which provides: Automatic execution of functional tests, as the application interface, as well as services, applications, client / server, etc. As shown in the figures below (see Figure 1 and Figure 2) and temporary financial costs of manual testing far exceed the costs of automated testing. Figure 1.

Time spent on manual and automated testing of Figure 2. The cost of automation and manual testing Regression testing – that all the automated tests, which were formed earlier. In the development of the project accumulating a large number of functional tests (see Figure 3) and ensure their hand is almost impossible. Of course, one can say if and when the test was successfully passed, then why perform it again? But sometimes it happens that the implementation of new functionality or error correction can affect the already long running part of the program. So that all the test cases simply vital for developing the project.


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