Was ist das Problem, auf welches ich die Antwort bin?
Was macht ein Honorarberater und was ist Honorarberatung?
Episode 1/2: Was genau ist das „Geld“?Episode 2/2: Was ist „Buchgeld – Giralgeld – Fiat Money“
Banken und die Einlagensicherung in Deutschland
Kosten von Geldanlagen: Die Lebensversicherung
Kosten von Geldanlagen: Investmentfonds, Aktienfonds
Kosten von Geldanlagen: Riester, Bausparen und Immobilien
Kosten von Geldanlagen: Geschlossene Fonds
Rendite: Wie viel Rendite benötigen Sie im Alter von 65 / 67
Aktiv gemanagte Vermögensportfolios
Passive Finanzanlagen, Finanzwissenschaft, Weltportfolio
Inflation – wie wirkt sich Inflation aus?
Psychologie und Angst bei Geldanlagen
Annuity Basics is part of our continuing series of presentations for Financial Services Industry Training. We develop custom training specific to the financial services industry. Contact us for a quote or discussion of your needs.
The document discusses various ways that people invest, including putting money into stocks, bonds, and mutual funds. It outlines reasons for investing such as financial goals, income, wealth, and retirement. Key aspects of investing covered include having a budget and savings plan, establishing investment goals, understanding returns, risks, and diversification. The document provides strategies for long-term investing like asset allocation, dollar cost averaging, and following golden rules of fundamentals.
Financial planning is a lifelong process of setting and working towards financial goals through proper management of finances. It helps improve standards of living, financial decision making, assess risk tolerance, and safeguard against financial crises. While financial planning involves investment, it is a broader process of bringing together all aspects of personal finance. Financial planning should be revisited regularly and is beneficial for people at any income level.
Many people put off retirement planning and do not start saving early enough. Retirement planning is important to maintain financial independence later in life. With increasing lifespans and medical costs, and declining interest rates, people will need to start retirement planning decades in advance. The document provides tips on calculating retirement needs based on current and projected expenses accounting for inflation, building an emergency fund, allocating assets appropriately based on risk tolerance and time horizon, and ensuring adequate insurance coverage. Proper retirement planning requires starting early and maintaining discipline in investments over the long term.
This document discusses mergers and amalgamations under Indian law. It defines mergers as a transaction where one company's assets and liabilities are transferred to another company, which ceases to exist, while its shareholders become shareholders of the acquiring company. Amalgamations involve the transfer of two or more companies' assets and liabilities to a new or existing company, with the amalgamating companies' shareholders becoming shareholders of the transferee company. The document outlines the legal procedures for mergers and amalgamations under the Companies Act of 1956 and describes different types of mergers and amalgamations. It discusses the key motivations for companies to engage in mergers and amalgamations, such as economies of scale, increased market share and revenue, and resource transfers.
1. There are three main methods for valuing shares: the Earning Capitalization Method (ECM), Dividend Capitalization Method, and Fair Value Method.
2. The Intrinsic Value or Net Asset Value of shares is also calculated, which is the net worth per share based on assets, liabilities, and number of shares.
3. The Fair Value Method values shares for controlling interest by taking the intrinsic value and adding the value from the ECM. This comprehensive approach incorporates both asset-based and earnings-based valuation.
Annuity Basics is part of our continuing series of presentations for Financial Services Industry Training. We develop custom training specific to the financial services industry. Contact us for a quote or discussion of your needs.
The document discusses various ways that people invest, including putting money into stocks, bonds, and mutual funds. It outlines reasons for investing such as financial goals, income, wealth, and retirement. Key aspects of investing covered include having a budget and savings plan, establishing investment goals, understanding returns, risks, and diversification. The document provides strategies for long-term investing like asset allocation, dollar cost averaging, and following golden rules of fundamentals.
Financial planning is a lifelong process of setting and working towards financial goals through proper management of finances. It helps improve standards of living, financial decision making, assess risk tolerance, and safeguard against financial crises. While financial planning involves investment, it is a broader process of bringing together all aspects of personal finance. Financial planning should be revisited regularly and is beneficial for people at any income level.
Many people put off retirement planning and do not start saving early enough. Retirement planning is important to maintain financial independence later in life. With increasing lifespans and medical costs, and declining interest rates, people will need to start retirement planning decades in advance. The document provides tips on calculating retirement needs based on current and projected expenses accounting for inflation, building an emergency fund, allocating assets appropriately based on risk tolerance and time horizon, and ensuring adequate insurance coverage. Proper retirement planning requires starting early and maintaining discipline in investments over the long term.
This document discusses mergers and amalgamations under Indian law. It defines mergers as a transaction where one company's assets and liabilities are transferred to another company, which ceases to exist, while its shareholders become shareholders of the acquiring company. Amalgamations involve the transfer of two or more companies' assets and liabilities to a new or existing company, with the amalgamating companies' shareholders becoming shareholders of the transferee company. The document outlines the legal procedures for mergers and amalgamations under the Companies Act of 1956 and describes different types of mergers and amalgamations. It discusses the key motivations for companies to engage in mergers and amalgamations, such as economies of scale, increased market share and revenue, and resource transfers.
1. There are three main methods for valuing shares: the Earning Capitalization Method (ECM), Dividend Capitalization Method, and Fair Value Method.
2. The Intrinsic Value or Net Asset Value of shares is also calculated, which is the net worth per share based on assets, liabilities, and number of shares.
3. The Fair Value Method values shares for controlling interest by taking the intrinsic value and adding the value from the ECM. This comprehensive approach incorporates both asset-based and earnings-based valuation.
This document defines and explains the different types of share capital for a company. There are 7 main categories: Authorised capital is the maximum amount of share capital a company can issue as specified in its constitution. Issued capital is the part of authorised capital offered to the public. Subscribed capital is the part of issued capital that is subscribed to by the public. Called-up capital is the part of subscribed capital that shareholders are required to pay. Paid-up capital is the portion of the called-up capital that has actually been received. Uncalled capital is the portion of subscribed capital not yet called up. Reserve capital refers to a portion of uncalled capital reserved only to be called in the event of winding up the
Property all risk and business interruption trainingAfrianto Budi
The document provides an overview of an intermediate-level property/industrial risk insurance policy. It discusses key policy wordings and coverages including all risks, material damage, business interruption, and exclusions. It also outlines general conditions such as definitions, policy avoidance, claims procedures, interest payment, subrogation, average, deductibles, and sum insured. The document appears to be educational material explaining the components and clauses commonly found in property/industrial risk insurance policies.
Presentation on Life Insurance Fund & Solvency Managementeliashussain
This document discusses life insurance funds and solvency management. It provides an overview of different types of life insurance policies including whole life, term life, and universal life. It also discusses risks to insurance company solvency such as investment risks and how companies manage assets and liabilities. Performance is evaluated using ratios and comparisons to industry averages. Maintaining adequate capital and managing risks prudently are important for insurance company solvency.
The document provides an introduction to key concepts and terminology in insurance law, including the definition of risk, risk management, insurance terminology such as policies and premiums, the concept of risk pooling, classifications of insurance, and the requirement of insurable interest. It also summarizes the nature of insurance contracts as governed by contract law and regulated by states, how applications and provisions work, and types of defenses insurers can raise.
This document discusses insurance as a risk management strategy in financial planning. It defines different types of insurance like auto, life, health, property and professional liability. It explains key concepts such as premiums, deductibles, claims and coverage. Insurance can provide financial protection from risks and play an important role in financial planning by assisting with disability, unemployment, long-term care and death. Periodic reviews of coverage are important.
Annuity is a term that is familiar to most of us and that we have been now hearing for over 200 years. Annuities are nothing but products offered by insurance companies that allow you to save on taxes and derive benefit on retirement. These accumulated funds are later repaid to you either for a fixed term, say 5 to 10 year, or for the rest part of your life.
Annuities are quite similar to Collateral deposits. CDs are offered by banks, similarly, insurance companies offer different return schemes on your annuity investments.
What is the meaning of annuity?
For a layman, an annuity is nothing but a contract between two parties, a person, also called as the insured and an organization which is nothing but an insurance company. The insurance company agrees to pay the insured an agreed upon benefit either in the form of regular interval payments or in lump sum.
Who offers an Annuity?
Annuities are presented by Insurance companies. They reach customers by the way of licensed agents. But before you chose to invest with the insurance company, you should check their insurance licenses. State and federal laws and insurance commissions govern the reserve funds, also known as State Legal Reserve Pools.
How does an Annuity Scheme work?
Annuity is a contract. The insured makes a deposit with the insurance company either in a single go or through regular small installments. Depending upon the type of annuity you choose, the money deposited with the insurance company will earn fixed or variable return.
Different Types of Annuity:
• Single premium immediate annuity: The amount is paid in lump sum and the benefits are derived from the immediate next month onwards.
• Single premium deferred annuity: Again, the amount is paid in lump sum but the withdrawals can be made only after specified time limit
• Annual premium deferred annuity: The premium paid to the insurance company is either in form of quarterly, or monthly or bi-annual or annual installments. Withdrawals are deferred to a later date.
• Variable annuity: This is more of a combination annuity scheme where you can chose either to pay a lump sum amount or in installments. You can choose the investment vehicle as well. Thus, the growth of your fund depends on vehicle chosen.
Thus, depending upon the scheme chosen by you, the amount deposited by you grows. At a time elected by you, the insurance company will start disbursing your deposits from your annuity account.
You also have a choice of withdrawing funds in lump sum after a certain time elapses.
Benefits associated with Annuities:
• Tax Deferral: The money invested in an annuity scheme stays tax free and grows tax free till the time you withdraw it. The age set for withdrawals is 59.5 years. Any funds withdrawn prior to this age bear an annual penalty charge of 10%.
• The insured gets a secured guaranteed return for the rest of life, especially post retirement
Thus, annuity offers you a medium of saving, ensuring avoiding probate for your heirs, safety of funds and much more.
The document provides a brief history of insurance, beginning with ancient Greek and Roman guilds that cared for deceased members' families. It discusses how guilds in the Middle Ages and "friendly societies" in England served similar purposes. The earliest known insurance contract was created in 1347 in Genoa between European maritime nations. The document also summarizes the concept of life insurance and identifies Elizur Wright as the "father of life insurance". Finally, it outlines Panamanian insurance law and the responsibilities of Panama's Insurance Superintendent.
This document discusses various methods for valuing shares:
1. Net assets method values shares based on a company's net assets per share.
2. Earnings capitalization method values shares by capitalizing earnings per share using an appropriate capitalization rate.
3. Dividend capitalization method values shares by capitalizing dividends per share using the expected rate of return.
4. PE ratio model values shares based on the company's earnings per share multiplied by its price-earnings ratio.
5. Discounted cash flows method discounts future cash flows to arrive at a present value for share valuation.
Planning is bringing the future into the present, so that you can do something about it now. Wise money management can take a lot of worry out of your life.
Know some amazing and important Financial planning tips.
The document provides an overview of various life insurance products and concepts in India. It discusses key terms like insurance, life insurance, types of life insurance policies including whole life, term, and endowment plans. It also covers principles of insurance like insurable interest, utmost good faith, and indemnity. Finally, it summarizes popular individual and group insurance products offered by major Indian and global life insurance companies.
The document discusses various aspects of issuing shares by a company. It defines key terms like shares, share capital, types of shares and shareholder rights. It explains the different types of shares a company can issue such as preference shares, equity shares, redeemable shares, etc. It also discusses the different ways shares can be issued including at par value, at a premium or at a discount. The capital structure of a company and terms like authorized capital, issued capital, subscribed capital and paid up capital are also summarized.
Dissolution of a partnership firm can occur in several circumstances:
1) When the term of the partnership expires or the particular venture is completed.
2) Upon the death, insolvency, or retirement of a partner.
3) When the court orders dissolution due to a partner's misconduct, transfer of their interest without consent, disability, or if continuing the business would result in losses.
Dissolution of a partnership ends the legal agreement between partners, while dissolution of a partnership firm ends the business entirely through settling assets/liabilities and discontinuing operations.
The document discusses the key concepts and principles of life insurance. It covers the nature of life insurance as a long-term contract that provides financial protection to beneficiaries in the event of death. It also discusses the various types of life insurance policies based on duration, premium payments, participation in profits, number of lives covered, and payment of claims. Finally, it outlines some important aspects like assignment and nomination procedures, surrender and loan values, age and death proofs, and payment of claims.
This document discusses accounting for investments according to Accounting Standard 13. It defines investments as assets held to earn income through dividends, interest or rentals. Investments can be classified as long term or current based on holding period, and as variable or fixed earning securities based on nature. Dividend earning securities are recorded at full purchase price including dividends. Dividends received before and after acquisition date are treated differently for accounting purposes. Bonus shares are recorded by increasing share quantity without affecting cost. Rights shares are similarly recorded, and sale of rights is credited to profit and loss.
The Public Provident Fund (PPF) is a government-backed retirement savings scheme introduced in 1968. It allows individual Indian residents to save up to Rs. 1.5 lakhs per year with attractive interest rates and tax benefits. Contributions can be made for 15 years and the full amount is returned tax-free after maturity. Account holders can take loans against their balance and pre-mature withdrawals are permitted in some cases, though there are restrictions. The PPF provides a safe, tax-efficient long-term savings option for individual investors.
Corporate finance deals with arranging funds for corporations and increasing shareholder value through financial decisions related to capital budgeting, capital structure, working capital management, and dividend policy. This course provides a framework for analyzing major financial decisions through concepts like the time value of money, capital budgeting, and working capital management. Chapters cover topics such as sources of finance, capital structure, leverage, and dividend policy.
The document provides an overview of life insurance products in India. It begins by defining insurance and life insurance, and outlines the key principles of insurance including insurable interest, utmost good faith, and indemnity. It then describes various types of life insurance policies like whole life, term life, endowment plans, annuities, and group life insurance. The document concludes by summarizing popular life insurance products offered by LIC and private insurers in India.
The document provides guidance on financial planning for retirement. It discusses estimating longevity and inflation, investing for retirement, asset allocation strategies, withdrawal rates, and taxation considerations. The key points are: estimating longevity is essential for planning; a balanced portfolio with 40-65% in equities can maximize returns while minimizing risk; withdrawal rates of 5-7% of the initial portfolio value are typically sustainable; and diversifying investments across asset classes and rebalancing periodically reduces risk.
Keyman Insurance is a Key to securing companies future. Please get in touch with us in case you are interested to secure your company against any unforeseen events.
Endeca Web Acquisition Toolkit - Integration verteilter Web-Anwendungen und a...Harald Erb
Das einzig Beständige ist der Wandel: Kritische Informationen, die Unternehmen täglich als Entscheidungsgrundlage benötigen, unterliegen der permanenten Veränderung und sind noch dazu über viele interne und externe Quellen verteilt. Sei es in Dokumenten, E-Mails, auf Portalen und Websites, etc. – überall finden sich relevante Daten, die wertvolle Erkenntnisse für fundierte Geschäftsentscheidungen liefern können.
Technisch betrachtet müssen die zum Teil sehr schwer zugänglichen Informationen zunächst einmal von den verteilten Anwendungen und Datenquellen beschafft werden bevor die eigentliche Weiterverarbeitung im Data Warehouse stattfindet. Als graphisches Entwicklungswerkzeug setzt das Endeca Web Acquisition Toolkit (Endeca WAT) genau an diesem Punkt an, indem es das Erstellen synthetischer Schnittstellen ermöglicht. Z.B. sollen von einer kommerziellen Website Preisdaten und/oder Kundenbewertungen akquiriert werden, für die der Website-Betreiber keine API bereitstellt. Der nachfolgende Artikel bzw. Vortrag skizziert, wie das Endeca Web Acquisition Toolkit Integrationsaufgaben zur Anbindung externer Datenquellen im Rahmen der aktuellen Oracle Information Management Reference Architecture übernehmen kann
This document defines and explains the different types of share capital for a company. There are 7 main categories: Authorised capital is the maximum amount of share capital a company can issue as specified in its constitution. Issued capital is the part of authorised capital offered to the public. Subscribed capital is the part of issued capital that is subscribed to by the public. Called-up capital is the part of subscribed capital that shareholders are required to pay. Paid-up capital is the portion of the called-up capital that has actually been received. Uncalled capital is the portion of subscribed capital not yet called up. Reserve capital refers to a portion of uncalled capital reserved only to be called in the event of winding up the
Property all risk and business interruption trainingAfrianto Budi
The document provides an overview of an intermediate-level property/industrial risk insurance policy. It discusses key policy wordings and coverages including all risks, material damage, business interruption, and exclusions. It also outlines general conditions such as definitions, policy avoidance, claims procedures, interest payment, subrogation, average, deductibles, and sum insured. The document appears to be educational material explaining the components and clauses commonly found in property/industrial risk insurance policies.
Presentation on Life Insurance Fund & Solvency Managementeliashussain
This document discusses life insurance funds and solvency management. It provides an overview of different types of life insurance policies including whole life, term life, and universal life. It also discusses risks to insurance company solvency such as investment risks and how companies manage assets and liabilities. Performance is evaluated using ratios and comparisons to industry averages. Maintaining adequate capital and managing risks prudently are important for insurance company solvency.
The document provides an introduction to key concepts and terminology in insurance law, including the definition of risk, risk management, insurance terminology such as policies and premiums, the concept of risk pooling, classifications of insurance, and the requirement of insurable interest. It also summarizes the nature of insurance contracts as governed by contract law and regulated by states, how applications and provisions work, and types of defenses insurers can raise.
This document discusses insurance as a risk management strategy in financial planning. It defines different types of insurance like auto, life, health, property and professional liability. It explains key concepts such as premiums, deductibles, claims and coverage. Insurance can provide financial protection from risks and play an important role in financial planning by assisting with disability, unemployment, long-term care and death. Periodic reviews of coverage are important.
Annuity is a term that is familiar to most of us and that we have been now hearing for over 200 years. Annuities are nothing but products offered by insurance companies that allow you to save on taxes and derive benefit on retirement. These accumulated funds are later repaid to you either for a fixed term, say 5 to 10 year, or for the rest part of your life.
Annuities are quite similar to Collateral deposits. CDs are offered by banks, similarly, insurance companies offer different return schemes on your annuity investments.
What is the meaning of annuity?
For a layman, an annuity is nothing but a contract between two parties, a person, also called as the insured and an organization which is nothing but an insurance company. The insurance company agrees to pay the insured an agreed upon benefit either in the form of regular interval payments or in lump sum.
Who offers an Annuity?
Annuities are presented by Insurance companies. They reach customers by the way of licensed agents. But before you chose to invest with the insurance company, you should check their insurance licenses. State and federal laws and insurance commissions govern the reserve funds, also known as State Legal Reserve Pools.
How does an Annuity Scheme work?
Annuity is a contract. The insured makes a deposit with the insurance company either in a single go or through regular small installments. Depending upon the type of annuity you choose, the money deposited with the insurance company will earn fixed or variable return.
Different Types of Annuity:
• Single premium immediate annuity: The amount is paid in lump sum and the benefits are derived from the immediate next month onwards.
• Single premium deferred annuity: Again, the amount is paid in lump sum but the withdrawals can be made only after specified time limit
• Annual premium deferred annuity: The premium paid to the insurance company is either in form of quarterly, or monthly or bi-annual or annual installments. Withdrawals are deferred to a later date.
• Variable annuity: This is more of a combination annuity scheme where you can chose either to pay a lump sum amount or in installments. You can choose the investment vehicle as well. Thus, the growth of your fund depends on vehicle chosen.
Thus, depending upon the scheme chosen by you, the amount deposited by you grows. At a time elected by you, the insurance company will start disbursing your deposits from your annuity account.
You also have a choice of withdrawing funds in lump sum after a certain time elapses.
Benefits associated with Annuities:
• Tax Deferral: The money invested in an annuity scheme stays tax free and grows tax free till the time you withdraw it. The age set for withdrawals is 59.5 years. Any funds withdrawn prior to this age bear an annual penalty charge of 10%.
• The insured gets a secured guaranteed return for the rest of life, especially post retirement
Thus, annuity offers you a medium of saving, ensuring avoiding probate for your heirs, safety of funds and much more.
The document provides a brief history of insurance, beginning with ancient Greek and Roman guilds that cared for deceased members' families. It discusses how guilds in the Middle Ages and "friendly societies" in England served similar purposes. The earliest known insurance contract was created in 1347 in Genoa between European maritime nations. The document also summarizes the concept of life insurance and identifies Elizur Wright as the "father of life insurance". Finally, it outlines Panamanian insurance law and the responsibilities of Panama's Insurance Superintendent.
This document discusses various methods for valuing shares:
1. Net assets method values shares based on a company's net assets per share.
2. Earnings capitalization method values shares by capitalizing earnings per share using an appropriate capitalization rate.
3. Dividend capitalization method values shares by capitalizing dividends per share using the expected rate of return.
4. PE ratio model values shares based on the company's earnings per share multiplied by its price-earnings ratio.
5. Discounted cash flows method discounts future cash flows to arrive at a present value for share valuation.
Planning is bringing the future into the present, so that you can do something about it now. Wise money management can take a lot of worry out of your life.
Know some amazing and important Financial planning tips.
The document provides an overview of various life insurance products and concepts in India. It discusses key terms like insurance, life insurance, types of life insurance policies including whole life, term, and endowment plans. It also covers principles of insurance like insurable interest, utmost good faith, and indemnity. Finally, it summarizes popular individual and group insurance products offered by major Indian and global life insurance companies.
The document discusses various aspects of issuing shares by a company. It defines key terms like shares, share capital, types of shares and shareholder rights. It explains the different types of shares a company can issue such as preference shares, equity shares, redeemable shares, etc. It also discusses the different ways shares can be issued including at par value, at a premium or at a discount. The capital structure of a company and terms like authorized capital, issued capital, subscribed capital and paid up capital are also summarized.
Dissolution of a partnership firm can occur in several circumstances:
1) When the term of the partnership expires or the particular venture is completed.
2) Upon the death, insolvency, or retirement of a partner.
3) When the court orders dissolution due to a partner's misconduct, transfer of their interest without consent, disability, or if continuing the business would result in losses.
Dissolution of a partnership ends the legal agreement between partners, while dissolution of a partnership firm ends the business entirely through settling assets/liabilities and discontinuing operations.
The document discusses the key concepts and principles of life insurance. It covers the nature of life insurance as a long-term contract that provides financial protection to beneficiaries in the event of death. It also discusses the various types of life insurance policies based on duration, premium payments, participation in profits, number of lives covered, and payment of claims. Finally, it outlines some important aspects like assignment and nomination procedures, surrender and loan values, age and death proofs, and payment of claims.
This document discusses accounting for investments according to Accounting Standard 13. It defines investments as assets held to earn income through dividends, interest or rentals. Investments can be classified as long term or current based on holding period, and as variable or fixed earning securities based on nature. Dividend earning securities are recorded at full purchase price including dividends. Dividends received before and after acquisition date are treated differently for accounting purposes. Bonus shares are recorded by increasing share quantity without affecting cost. Rights shares are similarly recorded, and sale of rights is credited to profit and loss.
The Public Provident Fund (PPF) is a government-backed retirement savings scheme introduced in 1968. It allows individual Indian residents to save up to Rs. 1.5 lakhs per year with attractive interest rates and tax benefits. Contributions can be made for 15 years and the full amount is returned tax-free after maturity. Account holders can take loans against their balance and pre-mature withdrawals are permitted in some cases, though there are restrictions. The PPF provides a safe, tax-efficient long-term savings option for individual investors.
Corporate finance deals with arranging funds for corporations and increasing shareholder value through financial decisions related to capital budgeting, capital structure, working capital management, and dividend policy. This course provides a framework for analyzing major financial decisions through concepts like the time value of money, capital budgeting, and working capital management. Chapters cover topics such as sources of finance, capital structure, leverage, and dividend policy.
The document provides an overview of life insurance products in India. It begins by defining insurance and life insurance, and outlines the key principles of insurance including insurable interest, utmost good faith, and indemnity. It then describes various types of life insurance policies like whole life, term life, endowment plans, annuities, and group life insurance. The document concludes by summarizing popular life insurance products offered by LIC and private insurers in India.
The document provides guidance on financial planning for retirement. It discusses estimating longevity and inflation, investing for retirement, asset allocation strategies, withdrawal rates, and taxation considerations. The key points are: estimating longevity is essential for planning; a balanced portfolio with 40-65% in equities can maximize returns while minimizing risk; withdrawal rates of 5-7% of the initial portfolio value are typically sustainable; and diversifying investments across asset classes and rebalancing periodically reduces risk.
Keyman Insurance is a Key to securing companies future. Please get in touch with us in case you are interested to secure your company against any unforeseen events.
Endeca Web Acquisition Toolkit - Integration verteilter Web-Anwendungen und a...Harald Erb
Das einzig Beständige ist der Wandel: Kritische Informationen, die Unternehmen täglich als Entscheidungsgrundlage benötigen, unterliegen der permanenten Veränderung und sind noch dazu über viele interne und externe Quellen verteilt. Sei es in Dokumenten, E-Mails, auf Portalen und Websites, etc. – überall finden sich relevante Daten, die wertvolle Erkenntnisse für fundierte Geschäftsentscheidungen liefern können.
Technisch betrachtet müssen die zum Teil sehr schwer zugänglichen Informationen zunächst einmal von den verteilten Anwendungen und Datenquellen beschafft werden bevor die eigentliche Weiterverarbeitung im Data Warehouse stattfindet. Als graphisches Entwicklungswerkzeug setzt das Endeca Web Acquisition Toolkit (Endeca WAT) genau an diesem Punkt an, indem es das Erstellen synthetischer Schnittstellen ermöglicht. Z.B. sollen von einer kommerziellen Website Preisdaten und/oder Kundenbewertungen akquiriert werden, für die der Website-Betreiber keine API bereitstellt. Der nachfolgende Artikel bzw. Vortrag skizziert, wie das Endeca Web Acquisition Toolkit Integrationsaufgaben zur Anbindung externer Datenquellen im Rahmen der aktuellen Oracle Information Management Reference Architecture übernehmen kann
Este documento trata sobre los principales combustibles fósiles: carbón mineral, gas natural y petróleo. Explica que el carbón mineral se forma a partir de plantas muertas sumergidas en el agua hace cientos de millones de años, y que el gas natural y el petróleo se encuentran en yacimientos subterráneos formados también hace millones de años a partir de restos de organismos. Describe brevemente el origen, composición y usos de cada uno de estos combustibles fósiles.
El documento describe brevemente el origen y la historia del petróleo. Se formó a partir de restos orgánicos enterrados bajo tierra hace millones de años. En el siglo XIX se descubrió que podía refinarse para producir queroseno y otros derivados útiles. La industria petrolera comenzó a expandirse rápidamente, y ahora el petróleo es un recurso energético esencial pero también contaminante.
El documento presenta un informe sobre el rendimiento de las unidades de destilación y lubricantes en una refinería en marzo de 2004. Reporta factores como disponibilidad, pérdidas, fallas de equipos, calidad y degradación de productos, consumo de químicos, mantenimiento y aspectos resaltantes que requieren atención.
This is a simplified version of the "Growtainer" see www.growtainer.de (a plant container, that has a water reservoir), that helps you growing tomatoes on small spaces like balconies, and little backyards.
Coal was formed in prehistoric ecosystems from the remains of plants that sank into swamps without oxygen and were subjected to heat and pressure over time. As the plant material was compressed, water and other substances were displaced and the carbon content increased, eventually forming coal. Coal deposits were then further layered with other geological materials from natural disasters. Different coal extraction methods were developed depending on the geological formations, including drift mining using inclined tunnels to access shallow coal seams.
El documento presenta información sobre la matriz energética primaria mundial y de Argentina. A nivel mundial, el petróleo representa el 35,5% del total, seguido por el gas natural con un 20,7%. En Argentina, el gas natural es el principal recurso energético con un 48,4%, seguido por el petróleo con un 37,6%. Luego presenta estadísticas sobre la producción de petróleo y subproductos derivados en Argentina en los años 2009 y 2008.
Estrategias contra la reoxidación del acero líquido en la colada continua de ...Jorge Madias
La mayor parte de las máquinas de colada continua de palanquillas que utilizan buzas calibradas y lubricación con aceite se operan con alta velocidad de colada en secuencias largas, obteniendo alta productividad. Muchos de ellos todavía practican la inyección de aluminio en el molde, para desoxidar el acero líquido sin riesgo de obturación de las buzas. También es todavía usual la práctica de “pescar” la nata que se forma en el menisco. Las salpicaduras del chorro de cuchara contribuyen a la formación de chanchos en el repartidor, requiriendo el lanceo con oxígeno. Alternativamente, diversas plantas prefieren utilizar tubo de protección entre cuchara y repartidor y protección con gas inerte del chorro del repartidor al molde en todos los grados de acero colados con buza calibrada. Se hace una comparación entre ambas prácticas desde los puntos de vista de inversión, costo operativo, seguridad, productividad y calidad.
Die Tobler Haustechnik AG bietet alle Energieträger aus einer Hand: Egal ob Sie sich für eine thermische Solaranlage, Wärmepumpe, Holz-. Gas-, oder Ölheizung entscheiden - Wir können Ihnen aus jeder Sparte eine, auf Ihre Bedürfnisse und nach Ihren Wünschen abgestimmte, Anlage bieten.
Wohin geht die Reise? Wie könnte sich die Buchbranche in den nächsten fünf bis sieben Jahren entwickeln?
Diese Slideshow ist die Zusammenfassung meines Essays unter https://leanpub.com/buchbranche2020
Fossil Bay Energy - Investment Opportunity CIM - September 2016 - BMM v3Dan Kulka
Fossil Bay Energy is commercializing a novel method of enhanced oil recovery (EOR) using portable exhaust gas production units. This method uses combustion exhaust gas, which contains 13% CO2, injected directly at oil wellheads. It can effectively recover stranded oil reserves left behind by conventional extraction methods by doubling the recoverable oil. Unlike CO2 flooding which requires expensive pipelines to transport CO2 from distant sources, Fossil Bay's mobile units produce exhaust gas onsite, making EOR economically viable for thousands of additional oil fields. Fossil Bay aims to develop strategic relationships with oil producers to secure rights to apply this new EOR method.
Trends im Wärmemarkt 2013 - nuances public affairs Analysenuances
Analyse des Wärmemarkts aus politischer und wirtschaftlicher Sicht. Besonderer Fokus liegt auf der Bedeutung des Wärmemarkts, den beteiligten Stakeholdern, der Rolle der Europäischen Union, der Finanzierung von energetischer Gebäudesanierung und dem Zusammenspiel von Wärme- und Strommarkt. Diese Analyse wurde erstellt von nuances public affairs, Berlin.
Referat von Nicolas Berg, Partner Redalpine, und Adrian Locher, Mitgründer DeinDeal. Anschliessend Diskussion mit Startups, Investoren und Interessierten im Technopark Winterthur. Die STARTIMPULS Reihe wird durchgeführt vom Institut für Jungunternehmen IFJ und gesponsert von Mobiliar Versicherung, Post Finance, Swisscom und Abacus.
Referat von Nicolas Berg. Anschliessend Diskussion mit Startups, Investoren und Interessierten im Hotel Arte in Olten. Die STARTIMPULS Reihe wird durchgeführt vom Institut für Jungunternehmen IFJ und gesponsert von Mobiliar Versicherung, Post Finance, Swisscom und Abacus.
Vortrag zum Thema, wie man Crowdfinancing-Instrumente bei der internationalen Projektfinanzierung im Rahmen der Wasserwirtschaft einsetzen könnte.
Obschon Wasser international wohl die wichtigste Ressource ist, werden hier aktuell noch kaum Bemühungen unternommen, sich die Methoden der Schwarmfinanzierung nutzbar zu machen, wie dies bei anderen ökologischen und sozialen Projekten bereits erfolgreich geschieht. Ilona Orthweins Beitrag bei Branchenverband German Water Partnership sollte hierzu Anstöße vermitteln und eine - vielleicht längst überfällige - Diskussion vorantreiben.
Was Sie über Kindersparpläne wissen sollten – ein Leitfaden des unabhängigen Versicherungsmaklers Hengstenberg & Partner in München. Warum sparen für Kinder? Wie und mit welchen Sparformen? Wir stellen verschiedene Möglichkeiten vor und liefern eine Checkliste, was ein Kindersparplan leisten sollte
Geld fasziniert! Es motiviert und treibt uns an – doch nicht immer so, wie wir es erwarten. Begeben Sie sich auf eine spannende Reise und erfahren Sie, was Motivation wirklich bedeutet und warum Geld Menschen bewegt. Lesen Sie von Träumen, Freiheit, Macht und davon, welchen Reiz Geld aus neurowissenschaftlicher Sicht auf das menschliche Lust- und Belohnungszentrum ausübt.
Verdirbt Geld den Charakter? Weshalb ist der Anreiz, Steuern zu sparen, so groß? Warum überschreiten Menschen für Geld selbst moralische Grenzen? Wie funktioniert Geld in Unternehmen? Antworten darauf liefert der promovierte Motivationspsychologe Jörg Zeyringer.
In seinem neuen Buch korrigiert er die sieben großen Irrtümer, die dafür verantwortlich sind, dass viele Menschen immer noch glauben, dass Geld nicht motiviere. Schonungslos nimmt er Abschied vom Modell des „Homo oeconomicus“ – den es nur bei den Affen gibt – und dem Aberglauben, „Geld sei nicht so wichtig“. Er stellt sauber recherchiert neue wissenschaftliche Erkenntnisse aus den verschiedenen Disziplinen in einen bemerkenswerten Zusammenhang und bringt es auf den Punkt: Geld motiviert doch, macht zufrieden und glücklich!
Geldanlage leicht gemacht - Anlageziel und Strategien definierenolik88
Das Thema Geldanlage ist nicht langweilig und geht jeden an. Dank neuer Technologien zu digitalen Aktien mit Blockchain, wie funktioniert das? Welche Vorsichtsmaßnahmen müssen beim Anlegen von Geld und Investitionen beachtet werden? Technologie, Digitalisierung, Transparenz, Flexibilität und am besten vereint mit dem Nachhaltigkeitsgedanken - Green Money, Socially Responsible Investments, ethisches Investment oder Sustainable Investments – heutige Herausforderungen.