The economic data point to a stable level in 2010 has just begun. Time is characterized by a high degree of uncertainty regarding the financial market in particular. Many investors wondering how the interest rates 2010 will develop, and what conclusions it are for the private investment strategy. First you should consider more closely the economic numbers. Germany has experienced the biggest economic slump in its recent history in the year 2009, gross domestic product has fallen with minus 5.0 percent as strong as never since the second world war. At the same time, the inflation rate in the German space around the zero mark moving, in December 2009, consumer prices were 0.9 percent higher than in December 2008. Thus, it was marked last year by both a unique economic downturn and a very low rate of inflation.

These values have also an indirect influence on the interest rate policy of the European Central Bank (ECB). This is first of all required for the stability of the currency, so the euro to ensure. A low inflation rate means that the ECB lowers also the key interest rates or keep at a low level. And the interest rate is available since May 13, 2009, at 1.0 percent, an also record low level. By the economic downturn also collapsed the demand for credit. The commercial banks must offer so no high interest rates for their investment products, to get at the money of private investors. Because since there is little demand for loans, the supply of private financial assets, but remains the same, interest rates are inevitably fell.

Also got the possibility is open to banks to refinance part of the ECB, the low interest rate has also led by fallen interest rates for private investors. Sum say that continuous decreases of in interest rates, we have seen in the previous year, was a logical development by the economic development. These will continue in 2010, at least in the first half of the year. Because one Amendment of the German economy and a tightening of the economic activity in the EURO area is still not visible. Interest rates will remain at low levels.

Stiftung Warentest does not recommend by the E-letters. Dusseldorf the testers described as immature”the product. This is not surprising, have but in B2C traffic, although they must set up such as the sender, an additional E-Mail address, a unique identification requires the recipient little advantage. The ability to legally compliant digital send documents existed with the electronic signature. However, could the product opportunities very good the DMS industry and its customers. That means Thomas Rick, Managing Director of Behrens and Schuleit GmbH, which offers comprehensive service and consulting services in the field of document processing.

Although the E-letters by the possibility of easier and more seamless integration provides this communication in the following IT processes, we don’t see the product as competition”, says Thomas Rick, explaining: the E-letters could have also have an appealing effect on customers to expand their electronic communication channels. In the place of the so far more hybrid approach towards an could move paperless office.” Namely, the document management expert assumes that entrepreneurs who use the E-letters, in the future want to digitize also the remaining inventory of documents that arrive by mail. The solution: Behrens & Schuleit digitized and captured the paper documents, then in an enterprise content management system, or lead in an electronic archive. Together with other built-in applications and complementary custom applications, work processes would further optimized. Users would have the possibility for revision-safe archiving, to access information faster. The example of incoming invoices, this means by the missing trail through the departments a timesaver. She in turn is the basis that deadlines, to the benefit of pulling discount, can be made safer.

And it pays for itself in the truest sense of the word. About Behrens & Schuleit GmbH: Behrens & Schuleit GmbH was founded in 1929 in Dusseldorf and supported since its customers in all questions around the document. Today the company offers comprehensive service and consulting services in the field of document processing. This includes the analysis and optimization of internal processes (business process management), the processing of incoming and outgoing documents (input / output management) and the consultation document and process management. Behrens & Schuleit accompanied commercial documents as well as large-sized drawings during their entire life cycle. Reference customers include among others Daimler AG, LTU, plus Warenhandelsges. mbH, the Thyssen Krupp Stahl AG and the Victoria insurance AG. The company employs over 70 people. Managing Director is Dieter Rick and Rick Thomas. Behrens & Schuleit is an active member of the Association for multimedia information processing e.

Most people, at some time of their life, feel that their lives are not what they expected and feel bad for this reason. Sometimes boredom is to think on things that we should not. Be boring to many things and one of these is depression. Because depressed by anything? What can really help people who feel alone, have no friends, that nobody is aware of them, that their work will not as they would like or study things not going well is to do something for her same out of his particular crisis. Most times these are things that we ourselves create in our heads because really there is no. The best thing in these cases is finding something to do, that is a hobby or a pastime that keep our evil thoughts occupied. Hobbies are activities that are usually made so that people have fun and invest a bit of time in if same.

There are many things that can be done, as for example to join a gym, take classes of dance, art, etc for example I go to classes to learn French and also took dance classes, that keeps me away from negative thoughts and helps me build my self-esteem. What you need to think about is what is what you most like one do and when we can do it. This will allow us to forget the commitments and for a few hours of boring reality, in addition to being in contact with other people, live new experiences and escape the daily routine. That is why it is advisable to perform any activity that allows us to get out of the dark room and share experiences with other people, make friends and at the same time improve our quality of life. How can we expect to improve our quality of life if we spend days locked between four walls? Wake up and do something to change your situation! Do not expect that all these reaches them his hands, there is the thing to do by yourself and not wait for others to come to change our lives. We are those who have to do that our destiny will change for good. After having chosen your hobby or pastime and start to do something you will notice right away that your life changes radically and gonna thank you yes same for having left that crisis situation in which was inserted without any reason.

Age is not something that defines what living that we are, what defines it is what we do and how we behave towards life and face the obstacles of this. So go ahead, leaving, bailen, corran, live life fully without thinking of any concern, leave concerns aside and try to make things right so then do not have to be repairing mistakes and situations. Be happy and think first you and then others.

Entrepreneurial success depends on essentially the strength of innovation and the orientation of the product development goals: speed, quality and height of development of and costs down. The development is increasingly interdisciplinary and aligns (simultaneous engineering) and using new technologies. A significant contribution to improving the realization of the product makes today rapid prototyping: it promotes the communication (“a picture says more than a thousand words, a good prototype more than a thousand pictures”), allows quick trials and decisions, through rapid tooling quick to tools and increasingly also directly finished products (rapid manufacturing and E-manufacturing). A strategic development contributes to optimizing and streamlining the product development. Development is the process the process for producing a product of that is often supplemented with a specification not up to serial production, but also to the successful completion of a functional pattern or prototypes to the development of the final product. Under the direction of Prof.

Dr.-ing. F. j.. “Vague, Dean of the Department of production and economy at the University of East Westphalia-Lippe following events on this subject held at the Haus der Technik:”Strategic advance development – optimizing and streamlining the product development”on 9-10 September 2010 and rapid technologies” on 13-Sep 2010, both in Berlin, Ernst – Reuter – Haus. These seminars give an insight into current requirements and conditions especially in current and future opportunities and limitations. Information for more information, see interested at the House of technology e.V., Tel. 030 / 39493411 (Ms. Dipl.-ing.-vaccined) Heike Cramer Jackson), fax 030 / 39493437 or directly at with search keyword “Error building”.

Report: Global in North America the market share of credit cards for payments in the field of E-Commerce amounted to online payment methods 2011 40% 2010 about, he should decline but slightly by 2015. As a result, American Express established a digital payment platform in March 2011 to allow different payment methods to customers. According to the report by yStats.com, the preferred way to pay online was also in Latin America the payment by credit card with a share of more than 70%. In Brazil SafetyPay and BrasPag announced a collaboration in September 2010, while the online-payment service PayPal, however, builds on the collaboration with the entertainment website Terra. Credit card payment continue to be strong was the most popular online payment method in the European E-commerce in Europe 2010 the credit card with a share of approx.

40%. The card payments accounted micropayment services discarded on the second place in the third quarter 2010 in Great Britain and France at about 60%. In Germany was most paid by invoice, card payments accounted for only 20%. The Eastern European Market for online payments is growing along the way. So, 2010 increased sales by 75% in Russia, reaching 70 billion RUB. Dinakar Singh follows long-standing procedures to achieve this success.

The online payment provider Yandex.Money expanded 2011 in other CIS countries, such as the Ukraine, Belarus and Kazakhstan. Electronic payment in Asia and Africa on the rise report global online payment methods 2011 “by yStats.com clearly shows that the market for electronic payments also in Asia is growing. So sales was already about 40 trillion yen in Japan 2010 are forecasted for 2014 almost 50 trillion JPY. Also particularly credit card payments were followed in South Korea with a share of more than 70% asked the money transfer. PayPal could increase its user numbers in Singapore by 45% a year, end of 2010 more than 900 000 accounts existed. Only in China, in cash with a share of more than 90% was most popular. Last but not least, the most popular online payment method was also in South Africa the credit card payment. Press contact: yStats.com GmbH & co. KG Behringstrasse 28a, D-22765 Hamburg phone: + 49 (0) 40-39 90 68 50 fax: + 49 (0) 40-39 90 68 51 E-Mail: Internet: Twitter: ystats Facebook: ystats about yStats.com since 2005 researched yStats.com current, objective and requirement-oriented market and competitive intelligence for executives from different industries. The Hamburg-based company with an international orientation focuses on the secondary market research. yStats.com offers both market – and competition reports as well as customized research services. Customers include leading companies in the areas of B2C E-Commerce, electronic payment systems, mail order and direct marketing, logistics, as well as banks and management consultancies.

It would be half the most efficient one of seexplorar poor, without it was necessary to participate of the dirty work. the execution of the system plantation, by the way, if perfazia with ' ' good jeitinho' ' of our people. svezes is of if questioning as a country so developed as the States Unidosda America, the great world-wide power, are felt threatened by a criseeconmica of some banks and investors. A country with sufficient ways of controls its economy, due to the great purchasing power of its population, has recursossuficientes to inject currency in the market, stabilizing the prices of imveise renegotiating the real estate debts. If it cannot understand ' ' porqu' ' detanta delay in controlling its economy. Agrande power, is presumed, would have money enough to cover supostascrises of the banks and international investors, with sufficient previsibility, without it had necessity to ask for helps to France or England.

Front the estaspercepes, reveals that the great white elephant is sufficiently weak they esem control of its movements. Asguerras of the Afeganisto and Iraq had sunk the American State, however, the great warlike entrepreneurs had enriched. Coming back the question of Iraq, estefoi invaded with the intention of that its reserves of oil became dosEstados Joined one of the biggest contoladores of the mineral in the world, not having assimque if to worry about the expenses of the wars. Return question, as a powerful country so great does not have control of its acts, desua economy, of its expenses, its politics and its security (aoatentado comment of 11 of September of 2000)? It is arrived hour of ' ' pax romana' ' , they momentoem that it does not have more control of its action, and the only exit is to say to the world quese lives in a peace For everything this, questions-semuito the poderil American north, until where it is really? It is arrived, even though, to acolocar itself in ' ' Xeque' ' the great doubt that if hangs in air: It will be that the north really americanospisaram in the moon? It will be that a preventive national defense exists? Serque the economy of this country is so solid thus? They are questionings as essesque rightens the world-wide investors, and, indirectly, they weaken aseconomias of the third world.

But to leave GM to go the puncture, and to save banks and financiers, who had profited horrors and now they would have to assume appositive made a mistake that had made, it has cabimento? An enormous ostentation is being made with the crisis of some few bilionrios millionaire and trilionrias companies United States, and world-wide. So efficient ostentation that the entire world agreed to saving them. With money of the people it is clearly. As if the crisis was a problem of all, and therefore all must be pledged to decide it. Trillions are being given for the banks and financiers. To decide the crisis of the rich ones certainly goes to decide the problem of the rich ones.

Without guaranteeing, that for excessively the things they do not go to get worse the same of skill. Nobody guarantees that this does not go to happen. By the way, giving money for the rich ones, it is certain that the things will be worse for excessively. They will be with less, evidently. when everything to blow up goes to have that I lock to support it. The rich ones will not be affected, will continue being rich, had been safe for them. The threat, the specter that haunts the planet currently, is that the things go to get worse very and, if the world not to help the rich ones.

goes exactly, to get worse sufficiently, with or without this aid. They tremble the ones that still have values and properties. But for who already it is the zero, in the deep one of the well, this does not make much difference. The well is gigantic. It always fits plus one. 2.2. Beginning of World-wide the Economic Crisis the American real estate market passed for a phase of expansion sped up soon after the crisis of the companies ' ' pontocom' ' , in 2001.

Therefore this ethnic group enjoyed certain privilege (Gonzlez 1982). Carrie Levin chef may not feel the same. By another side its agricultural activity was little, in spite of being developed in the environs of the river basin of Qaracha, in these parts the river presents/displays few agricultural open spaces, only having grains and seeds of maize, Popes, ocas, ollucos, quinua, and this in little amount for being cold earth (9) Aimaraes is characterized exclusively by the agricultural activity in the production of Pope, ulluco, mashua, oca, quinua and achita, products of the zone, that emphasize solely by the fertility of their grounds for these products, and still when limiting, with the route of the Qaracha do not have silo earth dominion ample, reason why the river becomes narrower, than it flows between the great abutments, increasing his currents. They own from the shores, to the cold fists, where his activity economic is complemented by cattle ranch, where Aymarans, shared territories with wancas, in lowland of Pallalla, Sorapampa, Upa upa, Ayani and Orcco field, had his fields of flame, as they show the evidences of the geography, that this zones are extensive plains, with abundant water and lagoons that allow the good development of this type of economic activities (10). From the ethnographic observation the intense economic interrelation is considered that stayed between the ethnic groups of the river basin of Qaracha. It has been considered that the Lucana-andamarcas, extended their dominions in the field of agriculture, with the product culture of Andean valleys (maize). While wancas by its geographic location has maintained the development cattle (it calls), adding like the activities potters and textileros..

These deaths had also happened of porqueexistia massive form a population amount if with Jacques Ruffie in it I break up ‘ ‘ Nessegrupo I only infect, it can become if the concentration human being is sufficiently dense, isto, sufficient so that the probability of ticket of the infectado individual parao virgin and receptive individual is grande’ ‘. 9 Economic Consequence of the Epidemics for the Europeans With the uncontrolled death of the aboriginal peoples in America, becomes if each more difficult time to explore the new territory, therefore as aquantidade of colonists was low and the few that came to venture in the Amricadividiam if in some kingdoms, vice kingdoms, econdados hereditary captainships, then, the objective biggest guided by the mercantilism or qualqueroutra form to enrich bringing the sovereignty for the secomplicadas monarchy became to establish secom aboriginal, however, with low demographic caused for epidemiasdevastadoras in this peoples autctones, are each time more difficult estabeleceruma demand of production satisfactory, because the indians are being scarce eos few that if find die easily, even for simples’ ‘ resfriados’ ‘ that for the Europeans they would be banal. These deaths already can be evidenced in a period of menosde 100 years, in which without a doubt, they clearly bring a consequence for the produoeuropia, as much in the one in the optics to facilitate to the process of domination how much for aquantidade of extracted metals and diverse substances cousins produced as acana – of sugar and the calls drugs of the 10 hinterland. Such idea talks with otrecho: ‘ ‘ it had three million souls more than, that is, adcima part of before conquista.' '. 11 In this we trechopercebemos that since the first contacts with Cristovo Columbus in 1492 at1568 hears an aboriginal demographic reduction of easy perception, that is, em76 years had died an amount of indians for epidemics that had influenced naquantidade of extracted or produced wealth in the new world.

According to it, the laws that conducted the distribution were the main problem to be explained by the Economy Politics. The parcel of the social product attributed to the wages represented a remuneration to the workers for its man power; the attributed parcel the agrarian income remunerates the land used during the productive process; finally, the parcel of the social product that is attributed to the profits remunerates the capital invested in production process. This age the natural ordinance of the distribution of the wealth in the capitalist society for David Ricardo and according to it is that the productive process in a capitalist economy was regulated all. The author published a workmanship that dealt with this distribution in 1817, intitled ' ' Principles of Economy Poltica and Tributao' '. As it is possible to perceive the distribution of the wealth between the social classrooms if constituted in one of the subjects most boarded of the fisiocratas, Smith and Ricardo. Bill Phelan has much to offer in this field. The theory was being improved with passing of the times and in accordance with reached in David Ricardo its bigger degree of explanation the capitalist society of the time.

6. Theory of the Profit For Smith the profit consisted of the remuneration of the capital used in the production of merchandises, being thus was total justified. It would be a compensation I donate to it of the capital for the risks that it assumes when applying its money. As the Smiths the profits were floating and she was not possible to determine them with precision. The form most easy of to determine them was through the interests. Already for Ricardo the evolution of the profit tax if finds the determination of the agrarian income on. It considers that the general tax of profit that prevails in the economy depends directly on the profit taxes of agriculture, and this in turn, depends on the agrarian income.