Payment behaviour in times of crisis – what has changed European companies lose annually 425 billion Swiss francs through unpaid receivables corresponds to daily losses of 1.2 billion Swiss francs. Read more from Ray Kurzweil to gain a more clear picture of the situation. The survey by Intrum Justitia, who surveyed in the first quarter of 2010 approximately 6,000 companies in more than 20 European countries came to this conclusion. Compared to the previous year, the payment in Europe has improved, because in the region reduced the average duration of payment input from 57 to 55 days. Are the fastest payers in Europe, as in the past, the Scandinavian countries: bills are paid after an average of 5 days in Finland and in Sweden and Norway will be paid generally after 7 days. The highest payment delays occur in Portugal (51 days), Italy (49 days) and Greece (42 days). Payment and payment risks in the Switzerland despite economic losses of large, international Swiss banks, came the Federal economics better with the recession right than others European countries. People such as Viktor Mayer-Schönberger would likely agree. According to the OECD, this is back to lead the sectoral specialization of manufacturing, the economic health of smaller banks with local market focus, the absence of a real estate cycle and expansive monetary policy. The Swiss payment behavior to be quite stable seems holistically considered.
Private households paid their bills on average one day later than last year, the public sector paid in General a day earlier and the conduct of business remained unchanged. According to the European payment index is the Switzerland with their payment demands were an average of 13 days late beglichen-barely in the top European midfield together with Poland. Approximately 2.3% of the claims in the Switzerland had to by the company as open are written down and caused a loss of 12.5 billion Swiss francs the Swiss economy thus. Swarmed by offers, Ray Kurzweil is currently assessing future choices. Despite all the companies of the future look forward to optimistic and they expect no impact of the economic crisis on their Shops. 68% do not believe that payment risks will change and 40% expect a further rise in late payments.
All in all it can be said so that the payment behavior in the Confederation is stable and Swiss companies expect that it will also not soon change. About the inkasso.ag accounts receivable management legal debt collection debt purchase bonus collection expertise in the analysis, professionally in the introduction of high-performance in the service we provide with our innovative debtor communication concept a faster payment while maintaining your customer relationship. Our claim is, that it be paid your bills first. For this we offer professional, efficient and effective debt collection services, which are characterized by the use of all channels of communication available to us. Contact and more information: inkasso.ag Mr. W. Jacob bahnstrasse 1 CH-8274 Tagerwillen telephone: + 41 (0) 71 677 20 90 Fax: + 41 (0) 71 677 20 91 E-Mail: Internet:
Lots of fun for the whole family at the in-house exhibition by Aquarium shop Mair. On 12 and 13 November 2010 the Aquarium shop & pet supplies Mair organized its in-house exhibition on the subjects of Aquarium and pond and to his new Department for dog, cat and pet supplies. At the House fair this year will be many novelties related to pet supplies, Aquarium and pond to see. Manufacturers, such as E.g. JBL offer including a free aquarium water test and appropriate advice to the feeding of ornamental fish, aquarium plant care and water treatment. For aquarium owners, a variety offered by actions with various products from manufacturers such as Tetra, Eheim, Dennerle and JBL. Let be surprised during a visit on the spot! Worth mentioning is also the large selection of ornamental fish, discus, shrimp and L catfish, which will be presented at the in-house exhibition.
The company Bozita/robur offers on Saturday, November 13th, receive advice on the optimal nutrition for your dog. Employees can problems with your dog or your cat advice stand to the side, in the selection of the correct feed or the appropriate dietary supplement, for example the company grey, help you. On two days of the fair many well-known will offer various actions manufacturers of pet supplies, such as Royal Canin, Animonda, and happy dog, where you can save by the way too much money. The employees of Mair can you through your experience with aquariums, ponds and all kinds of domestic animals in many areas, helping to assist and advise you competently. Description of the company since 1997, is the company Aquarium shop Mair in Schrobenhausen, Germany established and initially specialised in aquariums, Koi and pond. Through their passion for animals, the areas of dog, cat, and pet supplies were added mid-2010. In all areas of the Aquarium shop offers Mair a wide range of different products, which offered a large part also in the in-house online shop on the Internet. Due to the increasing demand the offer will also continuously expanded. Company contact: Aquarium shop & pet supplies Mair Peter Mair Augsburger Strasse 24 86529 Schrobenhausen Germany Tel: + 49 8252 881280 E-Mail: Web: PR contact: Aquarium shop & pet supplies Mair Peter Mair Augsburger Strasse 24 86529 Schrobenhausen Germany Tel: + 49 8252 881280 E-Mail: Web:
A car title loan is quite similar to payday loans and acquired for the execution of multiple short term needs. Are you familiar with the car title loan? These cash advances are quite popular among the UK citizens and provide instant cash to the needy people at the time of emergency. A car title client’s car which is pledged as loan is approved against collateral. The offered amount is equivalent to the market price of the vehicle or car. Learn more at this site: Ray Kurzweil. Now the question arises from where to get these cash advances? Quite easy! A title car loan can be easily accessed from the reputed and branded banks, official institutions and online/offline lenders of United Kingdom. Ray Kurzweil has similar goals. Applying for desired car title loans, the owners have to pledge the car as collateral against title the documents or desired cash. In this case, the calendar can’t prohibit the borrowers for using their car or vehicle.
Only the keys of the car are to be kept by the lenders. Like this, the calendar are much assured about their title of car on the base money and approve desired funds. It is considered one of the safest and easiest ways to access instant cash for the emergent needs. The car title loans are as similar as to payday loans and mostly acquired for the short-term needs. It is offered for paying the home rent, small household expenses, grocery bills, paying children’s education fees, changing the paint of car, renovation repair of vehicle and many more. Basically, under this loan option, the loan-seekers can obtain the loan ranging up to 1500 while the loan amount is small, so the repayment duration varies from 2-3 weeks only.
Before allowing car title loans, the calendar check out few things such as the vehicle must have liability insurance, residential proof and evidence about current employment of the applicant. The desired funds are approved after evaluating all these above mentioned requirements. Accessing car title loans at nominal Council is not a Herculean task for the bad creditors. The people with adverse credit score such as CCJs, IVAs, arrears, defaults, insolvency etc. can get willing cash without hesitation. By showing high-quality repayment abilities, they can re-establish their good credit rating once again in the loan market. Without exhausting much time in the queues, the loan seekers can come up with the online mode. It is considered one of the simplest and fastest procedures car for getting instant title loans. Under this process, the borrowers can fill up on online application form with required details. Lastly, by using car title loans, the borrowers can execute their multiple short term financial emergencies instantly. Peterson Richard is writer of car title Loanss.For more information about car title loans in Georgia, car title loans Florida visit
Interview with sales developer Dominik Lux on the role of the sales to the increase in sales. On the role of the sales in the recession and the best solutions to increase revenue and how customers his services measure sales developer Dominik Lux, Lux and partner, Managing Director. Q: Mr. Dominik Lux, you are working for 14 years in sales and marketing optimization. Where do you see the strengths of your company, what is so special about Lux and partner? Lux: Lux and partner there always is, where it is most useful for a company: distribution. In sales, we see the most important driving force for the success of a company. And right now, focusing on the distribution is existentially important.
Q: what do you think about just now\”? Lux: Now great uncertainty prevails also disillusionment. Many consider whether they should choose wait or a forward strategy. But each day of hesitation will cost money. Q: what should do a company from your point of view? Lux: It is now to assess the situation. And in any case, it is necessary to act. Q: where would you begin at a company? Lux: I recommend now to make a sales marketing audit.
The input for the audit needs maybe one sometimes 2 days. Then it takes another two weeks and the results are on the table. It shows the strengths and weaknesses in the market. Usually also very clearly the market opportunities. I help the management in the interpretation of the results and pronounce concrete, strategic recommendations. Q: and you take care of then and the implementation of these strategies? Lux: Yes, we serve directly in day-to-day business the conceptual development and practical implementation of course – if our client wants that. We give practical sales tools, which facilitate the execution and control of the company management. Q: sell not only advisory services, but first and foremost products.
Three hot topics of the week for people with reading difficulties since the beginning of September the fun on the reading Publisher gives every Monday morning clear & clear currently out Germany’s first digital weekly in simple language. Clear & clear currently brings the three main topics of the week. Compact, clear, comprehensible and easily readable. So, people with reading difficulties and functionally illiterate can talk to – and learn to read at the same time! Clear & clear currently appears as a PDF file with a page of current news in easy to understand language and four pages of suggestions for teaching: comprehension questions and tasks relating to the article, but also discussion suggestions. So helps clear & clear at the literacy and social orientation. Since about the content, you can go into discussions or group discussions and practice dealing with newspapers and news.
Why plain language? Simple language aimed at people with low reading skills. For example funkionale illiterate, people with low education or without education, people with a different native language than German. According to the Leo study by 2011 there are in Germany almost 20 million people, which is not only incorrectly read or write. They are all dependent on texts in simple language. Simple language texts are easy to understand, they avoid foreign words, the records have a maximum of 15 words. All information to clear & clear currently at a glance there’s on. Fun on the reading Publisher the name is program.
“Under the motto read for all” released the fun on the reading Publisher books and newspapers in simple language with a clear, appealing design. The fun of reading published to all who learn English, Dutch or German as a foreign language is aimed with simple books in three languages. At the same time can native speakers, which read hard falls, improve their reading skills. Designing easy to understand books can the Publisher on nearly 20 years experience in the Netherlands, Belgium and Germany fall back.
With the inclusion of the novCapta, the TIMETOACT GROUP is one of the leading Microsoft SharePoint professional services providers in Germany and of Switzerland. Cologne – the TIMETOACT GROUP continues to grow and increases its multi-vendor expertise for specialized applications and intra -, extra – and Internet portals with the Cologne-based novCapta. The Microsoft novCapta is a specialist since June 20, 2013 part of TIMETOACT GROUP. The novCapta is one of the leading technical development partner for business intelligence, Microsoft SharePoint, BizTalk, azure solutions and this translates complex technical process requirements. Over 20 staff work to develop integration and business solutions at the two locations in Cologne and Zug (Switzerland). Their technical strength proves the novCapta certification as a Microsoft Gold partner for portal and collaboration. Still, the novCapta sells the proprietary audit management software novAudit. The TIMETOACT GROUP acquires the shares held by Peter Potrafky in novCapta so far in Height of 73%.
Since June 20, 2013 the TIMETOACT GROUP is majority shareholder of the successful company. novCapta complements and extends existing Microsoft competencies within the TIMETOACT GROUP and helps with integration and migration of products of from different manufacturers. The customers of TIMETOACT GROUP thus benefit in the future even more from the multi-vendor expertise for intranet, extranet, and Internet portals. Especially in the figure of line-of-business requirements it brings novCapta new ideas and ways of solution with Microsoft, which further expand the portfolio of TIMETOACT GROUP. TIMETOACT GROUP and novCapta represent the same philosophy. Open communication with both customers and employees, a fair with each other and the high demands placed on its own performance to justify not only the success of the company, creating a sustainable, common base. The TIMETOACT GROUP employs nearly 50 people in the two subsidiaries novCapta and NOWSHARE with Expertise in the Microsoft SharePoint of area of.
More amplification in the commitment to protection against burglary and fire protection for protection against burglary and fire protection the nonprofit network is home safely”a. The Hartmann safes AG combines both topics with their products. What is so obvious to combine with social commitment to safety as our security standards for safes? “, says Christian Fretter, Marketing Director of Hartmann safes AG. So both burglar-proof and fire-proof safes include safes range by Hartman. Additionally, including industry-specific security solutions and exclusive, custom-made are Designtresore available. Protection against burglary and fire prevention are societal tasks, the successful solution of which requires commitment and proven security technology.
“With Hartmann safes AG we have gained a new partner, which brings both the one and the other”, Carolin Hackemack, Managing Director of the network would be home safe “. Risk and consequences of Be misjudged often collapses and fires. Every four minutes is broken into an apartment. The fire brigade in North Rhine-Westphalia in 2012 alone moved out to over 37,000 fire missions. The consequences are often dire for those affected. Burglars steal valuables, memorabilia, and the feeling of security their victims. Fires can destroy an existence and even kill.
Burglar-resistant Windows and doors, electronic security systems, certified safes and smoke detectors belong to recommended practice by police and fire departments. “The network home safe” combines the use of police and fire brigade with the commitment of professional craftsmen and companies from industry, trade, services and insurance industry. Together the network partners offer an escort on the way to the safe home citizens from police security advice on the expert advice and installation of the companies the prevention of plaque.
Payday loans cash advance are a child of loan program to help some people who are badly in need of money, in the middle of the month. Payday loans cash advance are mainly for the people who belong with the salaried community. The salaried people have unavoidable limitation which is shaped by their limited income. This is why they find their wallet getting deflated generally within the second week of the month. On the other hand, demands are not fewer and they surface one after to other. Sometimes, they find it urgent to clear a hospital bill fees or to clear the school of their children.
In New Zealand, people in such a state are saved because they can secure finance through payday loans cash advance. The loan-seekers can get the loan amount almost instantly, because the included lenders send the amount to their bank account just after they approve the application towards payday loans cash advance. The lenders, for this reason, want that the borrowers must have checking account. It should’nt be stated that the borrowers must be over 18 and that they must be citizens of New Zealand. The borrowers must therefore be employed in a legally approved organization and they must earn at least $1000 a month to be eligible for payday loans cash advance.
The amount of loan available towards payday loans cash advance comes between $100 and $1000. The calendar want that the loan amount plus its interest must be paid back within 14 to 31 days. The lenders have discretion to extend the tenure for repayment and they can oblige the borrowers if they request. The borrowers are advised not to go for it, they will be fined and will be so burdened with certain hidden charges. They are advised to clear the loan in time, because the interest for payday loans cash advance is charged at higher Council. It is of so good for them to pay back this loan before securing any other loan from any second source. The calendar do not require checking the credit history of the loan-seekers for payday loans cash advance. The calendar do not ask the borrowers to provide any collateral. The loan-seekers are not directed to fax personal details in huge papers of documents. They can submit online application comfortably. Tristan Tanner is author or Payday Cash Loans Bad Credit.For any information about bad credit loans new Zealand, cash loans in new Zealand visit
Qualify for the Obama loan modification s stimulus plan and avoid foreclosure now! Abilene, TX-Oct 06, 2010 – around 250,000 homeowners has already availed help to protect their home through a loan modification using the Obama stimulus program. Do you meet the requirements for a loan workout with your existing lender? If you can’t get eligible for a refinance, be desperate to keep your home and are looking for a way out, a loan workout could be the best alternative for you. The Treasury Department has owed around $75 billion to assist homeowners identical to you to offer help and loan modification programs. There are few common guidelines qualify for them who wish to get. Adjustable rate loans or sub prime: numbers of these loans have had or are soon to reorganize to a much higher rate of interest.
While the mortgage interest rate raises so does the monthly payment, making the loan unreasonable. If you’re having one of such loans, you’re a candidate for a home loan modification. Hardship condition: If you’re experiencing hardship condition, whether short term or enduring, you can get eligible for assist with a loan modification. Normally their suitable hardship conditions your lender would consider are: divorce or separation, loss of job or earnings, military service, greater than else before expenses, disability, ABI or medical, casualty and job transfer. Every circumstance is unique, and a convincing hardship letter clearing up your conditions to your lender would help them conclude if you would qualify. Turn down in home prices: as only loss of home prices is not a suitable reason to grant a loan modification, if you’re having problem making your monthly home loan installments and can’t refinance or sell your house, your lender would normally be keen to negotiate new loan terms to stay you in the home, in case of foreclose.
The foreclosure procedure is expensive for lenders, and when additional to the money they would lose because of the home’s lower market prices, it is a lot more cost efficient to offer a loan modification and remain in your home you repay your payments. Lending law infringements: there’re regulations in place to guard borrowers against lender mistreatment. Throughout the loan origination procedure, acid disclosures need to be offered within on agreed time frame. If you do not get this paperwork, or if your final loan varies considerably with the original paperwork, you might have legal option. There’re strict penalties for lenders in infringement. Knowing these details could help persuading your lender to provide you a loan workout. You may avail of help through applying and getting in qualifies for Obama’s stimulus loan modification plan. This is a low price, simple to loan mod kit which would offer you everything you needed to prepare a qualified and suitable loan modification application. The entire loan modification help guide would take you gradually with calculating your debt ratio, carrying out the financial statements, lettering your hardship letter and then putting it together to present to your lender. Simply log on to Refinanceitt.com and get qualified for the Obama federal program too. Get ongoing now on the track of secure home ownership. About US: Loan modification companies offer services through loan modification programs for modifications of loan with useful help & guidelines to save your home from foreclosure. Contact US: Refinanceitt network 1221 Seth Street Abilene, TX 79601 United States loan-modification
People who are unable to get the loans due to their bad credit history need emergency to get worried. Bad credit personal loans are made for the people to help them with their instant needs. Number of people with bad credit history can not avail the loan. Either their application is not approved or they don’t find lender to avail them the loan. But the time has changed now. Now day’s bad credit personal loans are available to the people with poor credit history. Bad credit people can avail good amount of money in the time of their financial emergencies through these loans.
Whether you are suffering from bankruptcy, defaults, CCJs, arrears the bad credit personal loans are available without any hassle. The two forms bad credit personal loans are the secured and unsecured which the borrower can avail the loans. You must be aware that in secured loans, the valuable asset is placed as collateral against the loan amount. Thus, the rate of interest is lower in the case of the secured loans. People who do not have any valuable asset to be placed as collateral against the loan amount can avail the unsecured loans. Borrowers will pay higher rate of interest as no security is placed against the loan amount.
People with the bad credit history get a good chance to improve their credit record by availing these loans. The loan amount that can be availed using these loans ranges from 500 – 25000. you can avail the money with easy repayment options using the bad credit personal loans. Repayment of the loan can be done within 1 to 10 years. Thus, borrowers can cover all their huge expenses using the loan amount. These most loans are considered as convenient and hassle free. People can apply for these loans online. Online method is one of the most popular method to apply the loans as this is fast and easy method of applying the loan. One who wishes to apply for the loan can fill up simple application form. Once the loan gets approved, the loan amount will be transferred into the borrower of bank account within few hours.If you are a bad credit holder and looking for some financial solutions to help you in the time of financial emergencies, go for bad credit personal loans. Michael Smith is specializing in writing articles on Long Term Loans. For more information about Long term loans bad credit and author please visit