Respondents of the M + M of insurance barometer selects representative and proportional after a multi-stage stratified random selection to the population by province. Person selected throughout Germany in the homes for the people aged 18 years and older according to the last birthday method. Overall, the insured when the survey have to answer more than 70 questions. General questions to the spectrum of subjects belonged to the health insurance fund, the scope of services and offer of the health insurance fund, for technical advice or friendliness and helpfulness, to information and communication, service and consulting services, the image / reputation and general assessment (customer satisfaction, customer retention, loyalty, sympathy, cross buying etc.). M + M insurance barometer allows each year the latest information based on:-facts and figures to the Insured satisfaction and insured binding in the health insurance market, – relationships between requirements of the insured, their satisfaction and their binding to the cash register, – continuation of the trends of recent years, – pulses to the review and future direction of the market positioning of the health insurance. M + M the company: M + M management + marketing consulting GmbH was founded in 1996. She is the daughter of management research group led by Prof. Dr.
Armin Topfer since 1984 + marketing. M + M advises companies on a national and international level. M + M combines in its holistic consulting approach Marktforschungs-and management concepts with the aim of achieving business excellence, increasing the company’s success and to increase the company’s value. Current information, news, and free downloads of the subject matter insured surveys, customer satisfaction analyses and performance across the spectrum by M + M (management of customer loyalty, customer surveys, insured barometer, seal of customer satisfaction, competitive analysis, Employee surveys, patient surveys, personal supervisor assessment, internal service providers heritage survey, 360-degree assessments, complaints management, balanced scorecard (BSC), six sigma, value driver management, process optimization, etc..
Many banks offer free checking accounts most of us pay for your checking account at a bank or savings bank fees for the use of this account. However, there are also banks, requiring hierfut no fees so a free checking account offer. The customer not at each bank receives a free checking account. Some banks offer the checking account for 0 euro free of charge at and others for example from 1000 Euro minimum input of money. An account is free, which is a good thing for the customer. Whenever Leslie Moonves listens, a sympathetic response will follow. Giro free customer saves a lot of money in the year.
If people can save something, then their account is there as the first to name a few. This can make times up to 150 euros a year. The post Bank offers free of charge the account from 1250 euro payment. These are otherwise 5.90 euro in the month. There are for example free transfers and standing orders. This is all the other banks to follow.
Especially for business customers, a free checking account can properly go in the money if the business customer for every transfer must pay extra. Often, it is connected to a free checking account with a good offer for a tag account. Currently, 2.2% as of the first euro are that upon conclusion of the post Bank. This is very lucrative for the customers. Important, the account is free of charge for people who are short of cash or earn very little. Families facing every cent to be added. There, every euro is also very helpful. Students and trainees have the Giro mostly under 26 years of age free of charge. This is very important in a tight credit in the blank years.
Sale-and-lease-back polished up the balance sheet and creates liquidity Munich, 10.3.2009 – who wants to finance investment or growth of a loan today, is not just preaching to the choir with the banks”, Patrick G. Weber, Managing Director of the operative leasing companies of Vantargis says group. The Munich group of companies offers alternative approaches and puts companies in order to generate liquidity from existing resources. If anything, there is”the credit thanks to Basel II and financial crisis mostly to high-interest, know Weber. But where will the money for the company’s growth come then? The solution is often found in the company itself.
On the assets side of the balance sheet reveals the solution: in real estate and machinery bound equity can be used nowadays easily thanks to sale-and-lease-back. Sale-and-lease-back will bring liquidity and game room the company sold initially used, mobile assets and least it back then. Especially This alternative is a smart way to improve liquidity for the manufacturing industry. Because the sale-and-lease-back is mobilized assets; It allows a liquidity and income sourcing from the substance of the company. Often one can discover also significant hidden reserves from capital gains. Or the object is purchased at book value. The risk for both sides is low, because the high value falls by new machines are no longer relevant.
The cash inflow from the sale proceeds and achieved extraordinary income open up broad new leeway companies”, explains Patrick Weber. Sale-and-lease-back is also tax advantages. Because the leasing costs can be as operating expenses tax claimed, which is not the case with the Tilgen loans. So, the monthly leasing fee reduces the profit and thus the taxes to be paid. This financing instrument has analogies to a repayment loan, bringing the Take a number of additional advantages”, says Weber. The necessary loan guarantees remain untouched, the balance sheet total low and get the credit. In addition, we ensure a quick funding without long processing and decision-making times at Vantargis.” Profile Vantargis AG Vantargis AG is the independent German less for the upper middle class. The range consists of leasing, factoring and debt solutions, as well as selected corporate finance services. The focus is on medium-sized owner-managed companies. The Vantargis group currently comprises AML’s medium-sized leasing companies Leasing GmbH, Sigma Leasing GmbH, and active) lease Vantargis finance GmbH and the factoring company Vantargis factoring GmbH. Also provides the Vantargis Wabeco finance GmbH consulting services regarding public funding and grants. Questions and additional information: Vantargis AG Widenmayerstr 28 80538 Munich Sebastian Seibold Phone: 089 2429373-17 E-mail: Web: