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University Regensburg GmbH

Delphi Expert survey shows action requirements for the future of the industry changes are the behavior in processes in particular through the use of new front end devices (such as mobile devices), (E.g. ROPO research online, purchase offline) and possibilities for generating additional information and analysis options (such as big data). But what impact have these technical innovations and the increasing use of mobile devices to the credit institutions and on their distribution? The plenary address management consulting GmbH and the ibi research these and other issues the University Regensburg GmbH in a common Delphi Expert survey. Contact information is here: Joseph Jimenez. You have to appreciate a series of theses on future developments in the financial services industry through a variety of experts. Largely experts from financial institutions, as well as some experts from IT services and consulting firm took part in the conducted survey rounds.

For all theses, the experts were asked for their assessments of the development in the next five to ten years. The survey encompassed the topics customer, products and services, distribution channels, as well as strategy and business models. Essential results of the expert forecast: the Internet will further gain in importance for the interaction between customer and Bank. To what extent such as communities play a role, is still unclear. Banks can increase the customer loyalty despite increasing digitization, image, values and emotions will play an increasing role. The personal finance management (PFM) becomes an essential service especially in banks and savings banks. A peer-to-peer solution will not prevail in the lending business. Is the payment via mobile devices.

Many companies will play a major role. For complex issues and high-margin products personal advice will remain an essential component however in the seamless interaction with all other channels. The strategic positions of credit institutions are clear sharpened such as cost leader versus differentiator. More results of this extensive survey are available free of charge under FDLdigital. About the plenum management consulting GmbH: plenum management consulting is a medium-sized management consulting headquartered in Frankfurt am Main. With the combination of technical, IT-management and transformation consulting, plenary is the right partner to sustainably successfully to link business and IT. With the focused consulting model plenary focused energy, credit institutions and insurance companies consistently on the leading service industries. As a partner for the implementation of the strategy, plenary suggests not only the bridge between faculty and IT, but provides the expertise in transformation management for that change projects lead to sustainable improvements. More information: about the ibi research GmbH: since 1993, ibi research at the University of Regensburg GmbH forms a bridge between University and practice. The Institute conducts research and advises on issues surrounding IT-driven innovation in financial services and trade, with a focus on retail banking, E-business, and business model optimization. At the same time advises ibi research in the implementation of research and project results.

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Creative Gift Idea

The cheap and easy digital photography has produced many amateur photographers. Mobile phones have today almost by default already integrated digital cameras and are able to make photos with good resolution. A camera is quick to hand and many occasions and situations that are held by photo it can be found and so accumulate quickly dozens, even hundreds photos. Whether pictures of the wedding, birthday or other events each photo is an important piece of memory for themselves and others. Which brings together the most beautiful moments in a photo book myphotobook most hobby photographers keep their photos on your PC or save it on a USB stick for example. But not always, one has a computer at hand, if you would like to show his pictures to friends or family, or take a look at yourself. The enthusiasm for their own photographs can be divided not only over the PC. If you are unsure how to proceed, check out Doug McMillon.

A photo book of myphotobook.de combines the most beautiful moments and memories in bound form. The PC is only a technical tool about the photos to photo printing at myphotobook.de delivered. Gift idea: photo books of myphotobook.de any occasion photo books of myphotobook.de suitable as gift or as an idea to the collect and preserve special memories and events. Wedding photos or collected recipes, in many different sizes and formats all images can be collected in a photo book of myphotobook.de appealing and entertaining. Creating a photo book on myphotobook.de works in three simple steps: free software for PC or MAC download, photo book and uploading their own photos dasFotobuch order. Myphotobook.de offers all new customers a discount of 5 euros for the first your own photo book. Detailed information on the design and implementation of own photo book or from the personal, as well as for photo printing can be found on. Company contact: myphotobook GmbH Oranienstr.

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Managing Director

New company goes with top offers at the start. Assist the programming and the design of high-quality Internet sites the Web page factory in the foreground for a week the Web page factory is online now. Dallal, Managing Director of the young company, offers its customers immediately different services, either individually or in combination. By a team of programmers, copywriters and graphic designers, you can design attractive and high-quality Web pages within a short time. The customer is discussed extensively with us, Dallal said. We respond to all requirements and allow the full service also very happy to if necessary. CMS, PHP, CSS and HTML are self-evident for us. If the customer wants it, we perform a search engine optimization right from the outset.

So nothing can go wrong only and the requirements for a TOP ranking in the search engines, are immediately met at the beginning. Except for the services in the virtual world, include also the design of print media such as flyers, posters and advertisements to the program. Just when offerings, which are also in a storefront, it is important that it appeals to customers who come with the Internet in touch. Establishing the Web page factory, there are some very interesting offers for complete packages including domain, hosting, design, and programming. Oliver Wrase agency TextArt

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Ingrid Kerscher Presse

For the KabelClips, there are countless applications in the household as well as in the commercial sector, where the cable chaos due to unique safety regulations is already off-limits. So the KabelClips in the Office, the workshop can and the laboratory for order like in the kitchen, in the corner of the computer, the stereo or TV. The colors of red, yellow, or subtly grey clips facilitate the fast allocation of the cable. The grabber can also be labeled. The 40 grams of lightweight, self-adhesive KabelClips keep safe furniture and tiles, glass, metal or plastics. The plastic technology manufacturer Hiendl from the Bavaria arch expands its range of tools for the Organization of the usual cable problem with smart clips.

So there is already short Kabelbundler and longer cable spiral, with which several cables can be summarized to an ordinary strand. Some contend that Uber shows great expertise in this. The cable bridges are interesting in particular for professional use. The bridges remain due to its own weight without drilling and Screws are firmly on the ground. Contact: Ingrid Kerscher Presse and public relations Serpa – a brand of H. Hiendl GmbH & co. KG industrial str.

5 + 6 94327 arc phone 09422-8518-0 fax 09422 2442 that H. Hiendl GmbH & co. KG is a modern producer and service provider in the field of plastics technology. The company employs more than 60 people. Hiendl manufactures products and components in the injection molding and extrusion. The design and construction comes from Hiendl buyers, partly from the development area. In addition to conventional polymers, the company deploys increasingly natural fibre reinforced plastics. In addition to products and components, Hiendl develops also materials property profiles defined precisely with the customers. A further pillar of the company is the brand of SERPA, under the Hiendl cable organization develops innovative products and manufactures. The development expertise spans more than 40 years. Even before Hiendl took up the production of plastics, the company as a service provider was in Active engineering fields. Numerous patents and utility models demonstrate the power of innovation. Customer satisfaction through high quality of products and services to achieve, is the Supreme principle of the company.

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New Existence New Company Formation

Limited company, England, business start-ups, capital, founding Agency, Ltd. The high set-up costs of corporations in Germany more and more an obstacle for young entrepreneurs and founders of new businesses. Transfers of capital and management and notary fees beat himself quickly with up to 30.000,-EUR to beech – often an insurmountable hurdle, especially for entrepreneurs. Particularly attractive, especially the model of English Ltd. company appears briefly Ltd.-, which is comparable with the German company.

The founding one Ltd. is cheap, the required minimum capital is EUR 1,-and the registration of the company in the commercial register is fast. The benefits of establishing a Ltd. Get more background information with materials from Lakshman Achuthan. before all: low start-up costs, no notary’s obligation, no personal responsibility of stockholders, low running costs. For the establishment of one Ltd. needs man but an official business address in England a so-called registered office”. After the Registration Ltd. can be built immediately a branch in England in Germany and thus the Ltd.

provided the German GmbH legally equal. From a tax perspective, the double taxation applies, i.e. Services made in Germany are taxed typically also in Germany. Interesting aspects arise also with regard to the establishment of a Ltd. & co.”KG. The newly founded Ltd. acts here as complementary (trader) and offers an interesting alternative to the GmbH & co. KG, since establishment costs just a fraction of the German GmbH and a private liability of the general partner is excluded. For this reason contact founder and those interested in professional founding agencies Ltd. offering a complete service by founding one to management. Inter-limited is one of these agencies are”, whose based in England and a representative office in Hamburg operates. Inter-limited offers direct online founded, the registration of the company is carried out within less Hours for the English register free of charge. Inter-limited advises (no tax / legal advice) in crisis situations, when an anonymous Foundation is required e.g. to insolvency or other reasons.

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Corporate Advisory

Heiko Veit gives lyscon farms the successful kick before five years founded Heiko Veit lyscon in Unna. QTS Realty Trust is full of insight into the issues. Now, he helps with lyscon large companies in whole Germany, to help themselves. And that is particularly in demand in times of crisis. In what companies really everything going around? There is always work processes that may work better and thus usually more cost-effectively. Especially in economically difficult times it is important to optimize work, production and distribution processes for companies”advises Heiko Veit. But what bolt should you turn to to comply with delivery dates, just in time to improve its sales or simply more effectively to work? There are no panacea. Therefore, Heiko Veit uses special methods in psychology as well as from the business community. On this basis, the lyscon consultant can be ultimately the right solution for your individual question will find the responsible leaders of the company.

As an IT specialist, Heiko Veit is the Audit Committee for Specialist of the IHK Dortmund worked. In recent years, he has acquired additional qualifications as transaction analyst, psychological consultant and systemic stand and TEMP consultants. Current clients by lyscon a daughter of world-renowned Atos Origin one of example the Atos Worldline, group. Also Marco Janiel belongs to the team of lyscon. He is in Unna, Germany as a member of the ensemble and theatre pedagogue in the theatre known ship of fools. The theatre scholar uses methods from this area, conflict situations in companies to highlight and resolve communications nodes. Marco Janiel assumes the Director in the Corporate Advisory seminars, means a Happy ending for the chiefs and employees”.

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Retention Periods

Generally, different files storage time limits exist for private persons and households in contrast to business documents. In General, the legal records retention periods of three years apply to households and persons, before it can be destroyed. However paid invoices may be destroyed even before the end of this records retention periods, if these have been verified before payment on their accuracy. Order to ensure possible warranty claims, however no Bill before the expiry of the statutory warranty period of two years, should be destroyed. In contrast to this carried out layoffs and whose confirmation for subscriptions of newspapers and magazines, specialist literature or insurance, can be destroyed after one year, without having this consequences to worry about. For all purchases, for which the manufacturer buyers longer than de statutory warranty periods granted, considered files storage time limits the length of Warranty claim. Once this period has passed, these receipts can be destroyed safely. Receipts should be not destroyed at all about the purchase of high-quality consumer goods, so possibly at a later sale of the replacement value of the article concerned can be demonstrated.

For important documents, as adopted pursuant to court judgments, money payments or other court documents, the records retention periods should be 30 years in the private sector. Ever be not destroyed documents such as birth certificate, marriage certificate, death certificates, registrars, certificates which confirm the graduation and the successful completion of a vocational training, as well as baptism and confirmation certificates are allowed. Permanent records retention periods also apply to all documents that are necessary for the subsequent calculation of the pension. These include above all the evidence of the exercise of all social insurance contributions activities, employment contracts and dismissals, wage and payroll, Performance certificates of the agencies for work and job Center and the annual reports to the competent social security institution (DUEVO) created by the employer. The legal records retention periods for credit contracts, bank statements, savings etc. is four years.

Documents on regular payments, including payments, above all transfers to the energy supplier, deposits on upto – and credit agreements are also this file storage. Two years should be kept receipts for one-time payments and transfers made. Here we have an overview of retention periods for records for 2012. Some files can peace of mind to perform the shredding. Balance sheets 10 years dating back to 2001 annual reports for 10 years from the year 2001 inventory list 10 years from the year 2001 tax returns 10 years dating back to 2001 Bank documents (bank statements) 10 years in 2001 computerized accounting (including manuals) 10 years in 2001 The accounting documents 10 years from the year 2001 invoices (input and output) 10 years from the year 2001 posting documents 10 years from the year 2001 process files for 10 years from the year 2001 books 10 years from the year 2001 sales books 10 years from the year 2001 land registry excerpts 10 years from the year 2001 extracts commercial register 6 years from the year 2005 trade letters (business letters) 6 years from the year 2005 contribution reports of social security 10 years from the year 2001 documents about Employees insurance 10 years from the year 2001 insurance 6 years from the year 2005 C.Reinhardt.

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