Truck Insurance

The truck insurance is required by law in Austria. It should be noted that these are minimum insurance coverage (amount) of 6 million euros (in the truck of responsibility) should. To allow a truck, therefore, is (like a car) the presentation of the certificate of insurance is required.

What damages are covered by the truck from the coverage of liability insurance?
The truck insurance (similar to car insurance) for damage to persons, property and assets a. As quickly to high demands for damages that may occur, you must stop large sums insured, not in the case of an accident to be inadequate.

How will the premium for insurance for trucks calculated?
When the truck or truck insurance liability insurance is calculated on the basis of the payload and vehicle performance is measured. For all trucks up to 3.5 T are generally the collective contribution of the Group N, unless it comes under other provisions and conditions to another (cheaper) tariff group. Furthermore, when calculating the contribution to the effects of the premium into account.

In addition to the liability insurance can also be a partial or full insurance, insurance for the truck to the conclusion that this insurance is available with or without charge is possible.

That the insurer in Austria to offer the truck insurance?
The truck is as safe as automobile insurance offered by many insurers, so that here also uses a truck insurance comparison. Examples here are those of Zurich Insurance, Allianz and VAV mention insurance.

The affidavit (demonstration)

The affidavit is regulated by law and the court ordered enforcement action. Will be given to creditors a chance to give his collection of debts. The debtor is obliged to accurate information about their assets to give.

Most people entering this step is very difficult and you are afraid before the affidavit available. Since the summons from the court bailiffs also issued warrants of arrest and jail sentences are threatened. This fear is not necessary, you must only comply with the appointment of the correct information and also the fact that debt is not punishable.

Its creditors experienced by the affidavit only their current financial situation. With your asset inventory must learn to do creditors if its value or cash available if needed can be seized.

The submission of affidavit by each creditor may be requested as soon as an enforcement seized a total or partial miss a search of his apartment or have denied the bailiff that on several occasions, despite the announcement has not been found in home.

It is obvious that they are committed in the statement accurate and complete information about their assets to their doing so, is not punishable.

The attachment limit for a single person I know, is currently at 990 euros. If anyone knows how this is possible when married and have children I would love if your pass here.

Best Tips For SEO your Website / Blog

Since 1998 I've spent the first several months of each year looking for the very best search engine optimization (SEO) tips of the previous year's end. This year I've come across the best SEO tips yet.

SEO Tip #1: Make Google Alerts Your Personal Online Spy

Google Alerts is a great way to let the world's biggest search engine be your personal online spy. This takes search engine optimization insider info to whole new level. Here's an excerpt straight from Google....

"Google Alerts are email updates of the latest relevant Google results (web, news, etc.) based on your choice of query or topic.

Some handy uses of Google Alerts include:

* monitoring a developing news story
* keeping current on a competitor or industry
* getting the latest on a celebrity or event
* keeping tabs on your favorite sports teams"

As you probably guessed, it's the second one we care about most, "keeping current on a competitor or industry."

Here's how it works... Each time Google finds a reference to the query or topic you request you will be sent an email with the details. This is like having an online spy to make sure competitors are not using your protected keywords (trademarked names, company names, etc.) It's also an instant identifier to know when your site or product is mentioned in a news story or even when a topic is hot so you can take advantage of the situation. It's the easiest way in the world to stop competitors' dirty tricks and identify trends that you can take instant advantage of.


It's fast, free and works every minute of every day. Let Google Alerts (http://www.google.com/alerts) do your most time consuming legwork while you reap the rewards!

SEO Tip #2: Optimize Your 404 Page and Always Be Found

"Error 404: Page Not Found" is a blessing that most Webmasters curse. Why? Getting a visitor on any page of your site is fantastic! Don't blow the opportunity. Not only can you make your "404" page a valuable sales tool, you can use the following search engine optimization techniques to attract customers in droves.

A.) Use your main keyword in your title, add a "pipe" (usually above the Enter key) and then use your secondary keyword. Here's as example for an SEO site "SEO - Search Engine Optimization Tips"

B.) Add some keyword rich content using one to two keywords for the page. If you have less than 250 words on the page, just use one keyword and use it no more than three times total. Bold the first use and italicize the second or third use. Keep in mind this is an "inactive" page so simply tell the visitor what your site is about and whet their appetite with a good description. Something like this works well... "Thank you for visiting SEO (bold) Group, Inc. We are sorry you landed on a missing page but don't worry, if you're looking for the very best search engine optimizations tips (bold), you're at the right place..." This will go on for a couple paragraphs or as long as you'd like then end it with something to the effect of "Please Click Here (link) to visit our site map or click any link to the left."

C.) Add your site's standard navigation system (bar, column, etc.) as mentioned above.

D.) Make the look and feel of the customized 404 page match your main site as closely as possible with a template, matched palette, cascading style sheets, etc.

E.) Create a link to the site map page if available, and make the link easy to find. You want your visitor off the 404 page and into your main content as quickly as possible.

Setting up a custom 404 page link usually takes less than five minutes on most major Web hosting companies like Godaddy.com. But whatever it takes, it's worth the effort.

SEO Tip #3: Get (Even More) Serious About Linking

I saved the most important for last. If you want to do well on any search engine, especially Google, linking is THE single MOST important thing you can do. It's that simple.

Here are the five things you MUST do to make your site #1 on Google:

A.) Find the highest page rank sites linking to your site AND your competitors' sites.

B.) Run monthly link campaigns and snatch up the best of the above identified Web sites.

C.) Run regular checks on what pages are still linking back to your site. Alsomake sure they did not move you from a high page rank page to a lower one (don't get cheated!)

D.) Eliminate any penalized sites you link to; ASAP!

E.) Check your search engine ranking AND your competitor's for each of your keywords every week. Do this, at the minimum, for Google, Yahoo, MSN and Alta Vista.

Inside Tip: Keeping up can be a lot of work so a lot of SEO Consultants (myself included) use SEO Elite (http://www.SEOeliteWeb.com) to do all the most difficult and time consuming work.

One last thing to know is that Google was originally a college student's project created for the sole purpose of defining a Web site's value by the sites that link to it. Twelve years later this is still it's main job. Linking is EVERYTHING to Google.

These few SEO tips are the very best of the best so use them wisely. Best of luck!

Find a broker in your country..

What is Insurance Broker in United Kingdom??

The term Insurance Broker became a regulated term under the Insurance Brokers (Registration) Act 1977^[1] which was designed to thwart the bogus practices of firms holding themselves as brokers but in fact acting as representative of one or more favoured insurance companies. The term now has no legal definition following the repeal of the 1977 Act. The sale of General Insurance has been regulated by the Financial Services Authority since 14 January 2005. Any person broking insurance can now call themselves an insurance broker.

Insurance brokerage is largely associated with general insurance (car, house etc.) rather than life insurance, although some brokers continued to provide investment and life insurance brokerage until the onset of more onerous Financial Services Authority regulation in 2001.

Insurance broking is carried out today by many types of organisations including traditional brokerages, Independent Financial Advisers (IFAs) and telephone or web-based firms.

How about in United States??

Insurance brokerage in the United States is also a regulated industry, with almost all states individually issuing brokerage licenses. Most states have reciprocity agreements whereby brokers from one state can become easily licensed in another. There are exceptions to this, most notably in the case of Hawaii, where all licensed brokers must live on the island.

Because of industry regulation, smaller brokerage firms can easily compete with larger ones, who are forbidden by law from providing their customers with rebates or other discounts on the policy prices of insurance companies. For this reason, the United States is home to many different notable insurance brokerage firms.

Brokers play a significant role in helping companies and individuals find property and casualty (liability); life and health insurance. For example, research shows that brokers play a significant role in helping small employers find health insurance, particularly in more competitive markets. Average small group commissions range from 2 percent to 8 percent of premiums. Brokers provide services beyond insurance sales, such as assisting with employee enrollment and helping to resolve benefits issues.

Adsense Review

Google AdSense is an ad serving program run by Google. Website owners can enroll in this program to enable text, image and, more recently, video advertisements on their sites. These ads are administered by Google and generate revenue on either a per-click or per-thousand-impressions basis. Google is also currently beta-testing a cost-per-action based service.

Google uses its search technology to serve ads based on website content, the user's geographical location, and other factors. Those wanting to advertise with Google's targeted ad system may sign up through AdWords. AdSense has become a popular method of placing advertising on a website because the ads are less intrusive than most banners, and the content of the ads is often relevant to the website.

Currently, AdSense uses JavaScript code to incorporate the advertisements into a participating site. If it is included on a site which has not yet been crawled by the Mediabot, it will temporarily display advertisements for charitable causes known as public service announcements (PSAs). (The Mediabot is a separate crawler from the Googlebot that maintains Google's search index.)

Many sites use AdSense to monetize their content. AdSense has been particularly important for delivering advertising revenue to small sites that do not have the resources for developing advertising sales programs and salespeople. To fill a site with ads that are relevant to the topics discussed, webmasters implement a brief script on the sites' pages. Sites that are content rich have been very successful with this advertising program, as noted in a number of publisher case studies on the AdSense site.

Some webmasters work hard to maximize their own AdSense income. They do this in three ways^{[citation needed]}:

1. They use a wide range of traffic generating techniques including but not limited to online advertising.
2. They build valuable content on their sites which attracts AdSense ads which pay out the most when they get clicked.
3. They use copy on their websites that encourage clicks on ads. Note that Google prohibits people from using phrases like "Click on my AdSense ads" to increase click rates. Phrases accepted are "Sponsored Links" and "Advertisements"^{[citation needed]}.

The source of all AdSense income is the AdWords program which in turn has a complex pricing model based on a Vickrey second price auction, in that it commands an advertiser to submit a sealed bid (not observable by competitors). Additionally, for any given click received, advertisers only pay one bid increment above the second-highest bid.

Allianz Insurance

Allianz AG was founded in Berlin in 1890 and shifted its headquarters to Munich in 1949. The first step to become an international company started with the opening of a branch office in London in the late 19th century. After World War II, global business activities were gradually resumed. Allianz opened an office in Paris in the late 1950s, and a management office for Italy in the 1960s. These expansions were followed in the 1970s by the establishment of business in Great Britain, the Netherlands, Spain, Brazil and the United States. In 1986, Allianz acquired Cornhill Insurance PLC, London, and the purchase of a stake in Riunione Adriatica di Sicurità (RAS), Milan, strengthened its presence in Western and Southern Europe in the 1980s. Recently, in February 8, 2006, RAS Shareholders approved the mergers with Allianz. In 1990, Allianz started an expansion into eight Eastern European countries with establishing a presence in Hungary. In the same decade, Allianz also acquired Fireman’s Fund, an insurer in the United States, which was followed by the purchase of Assurances Generales de France (AGF), Paris. These acquisitions were followed by the expansion into Asia with several joint ventures and acquisitions in China and South Korea. Around this time Allianz expanded its asset management business as well by purchasing for example asset management companies in California.

In 2001, Allianz acquired Dresdner Bank, a large German bank. Allianz Group and Dresdner Bank combined their asset management activities by forming Allianz Dresdner Asset Management. In 2002 Michael Diekmann succeeded Henning Schulte-Noelle as CEO of Allianz AG. The Allianz Group was reincorporated under a European Company Statute and, as a result of the cross-border merger with RAS, Allianz converted into a European Company (SE - Societas Europaea) in October 13, 2006.

Allianz is now present in more than 70 countries with over 177,000 employees. At the top of the international group is the holding company, Allianz SE, with its head office in Munich. Allianz Group provides its more than 60 million customers worldwide with a comprehensive range of services in the areas of
• property and casualty insurance,
• life and health insurance,
• asset management and banking.

Links with the Nazis & Third Reich
Gerald Feldman's book Allianz and the German Insurance Business is a look at the links between the Nazi party and big business in 1930s Germany concentrating on Allianz's relationship. According to Holocaust historians and legal experts, such as Professors Michael Bazyler and Gerald Feldman from the United States, Allianz insured the concentration camps at Auschwitz-Birkenau as well as other death camps.

Previous Board member Kurt Schmitt was a German economic leader and the Reich Economy Minister from June 1933 until January 1935.

Eduard Hilgard, a general director of Allianz AG and head of the Reich Association for Private Insurance during the entire National Socialist regime.

Allianz's leadership, represented by directors Kurt Schmitt and Eduard Hilgard, led a policy of drawing nearer to the Nazis, even before they seized power. Already in October 1930, ties were forged with Hermann Göring. These contacts were realized through company dinners and by providing private financial loans. Heinrich Brüning and Franz von Papen tried without success to get Schmitt a ministerial office.

Top Business School in Asia

This a list buest of business school in indonesia :

1. Indian Institute of Management, Ahmedabad, India

2. Asian Institute of Management Washington SyCip Graduate School of Business, Makati City, Philippines

3. Asian Institute of Technology School of Management, Thailand

4. NUS Business School National University of Singapore, Singapore

5. Chinese University of Hong Kong, Hong Kong

6. Korea Advanced Institute of Science and Technology Graduate School of Management, South Korea

7. Nanyang Business School, Nanyang Technological University, Singapore

8. Sasin Graduate Institute of Business and Administration Chulalongkorn University, Thailand

9. International University of Japan Graduate School of Management, Japan

10. China Europe International Business School, Shanghai, China

School of Business

A business school is a university-level institution that confers degrees in Business Administration. It teaches topics such as accounting, finance, information systems, marketing, organizational behavior, strategy, human resource management, and quantitative methods.

They include schools of business, business administration, and management. There are four principal forms of business school.

1. Most of the university business schools are faculties, colleges or departments within the university, and teach predominantly business courses.
2. In North America a business school is often understood to be a university graduate school which offers a Master of Business Administration or equivalent degree.
3. Also in North America the term "business school" can refer to a different type of institution: a two-year school that grants the Associate's degree in various business subjects. Most of these schools began as secretarial schools, then expanded into accounting or bookkeeping and similar subjects. They are typically operated as businesses, rather than as institutions of higher learning.
4. In Europe and Asia, some universities teach business only.

Business school degrees

• Associate's Degree: AA, AAB, ABA, AS
• Bachelor's Degrees: BBA, BBus, BComm, BSBA, BAcc, BABA, BBS, and BSc
• Doctoral Degrees: Ph.D., DBA, DHA, DM, DCOM, FPM
• Master's Degrees: MBA, MM, MAcc, MMR, MSMR, MPA, MSM, MHA, MSF, MSc, MST,MMS and MCOMM. At Oxford and Cambridge business schools an MPhil, or Master of Philospophy, is awarded in place of an MA or MSc.
• Post Graduate Diploma in Business Management (PGDBM), Post Graduate Program (PGP) in Business Management, Post Graduate Program (PGP) in Management

How to be a Business Broker

A business broker is a person or firm who/which acts as an intermediary between sellers and buyers of small businesses.

Business brokers, also called business transfer agents, or intermediaries, assist buyers and sellers of privately held small business in the buying and selling process. They typically estimate the value of the business; advertise it for sale with or without disclosing its identity; handle the initial potential buyer interviews, discussions, and negotiations with prospective buyers; facilitate the progress of the due diligence investigation and generally assist with the business sale.

Traditionally, the broker provides a conventional full-service, commission-based brokerage relationship under a signed agreement with a seller or "buyer representation" agreement with a buyer. In most states this creating under common law an agency relationship with fiduciary obligations. Some states also have statutes which define and control the nature of the representation.

Agency relationships in business ownership transactions involve the representation by a business broker (on behalf of a brokerage company) of the selling principal, whether that person is a buyer or a seller. The principal broker (and his/her agents) then become the agent/s of the principal, who is the broker’s client. The other party in the transaction, who does not have an agency relationship with the broker, is the broker's customer.

In some states of the USA, business brokers act as transactions brokers. A transaction broker represents neither party as an agent, but works to facilitate the transaction and deals with both parties on the same level of trust. Most states that operate business transactions as Transactions Brokers also operate Real Estate transactions as Transaction Brokers.

Broker services vary widely depending on the practice and skill set of the broker. The most common services provided by a broker to a client are:

• Assist client in establishing a MPSP Value - Most Probable Selling Price Valuation; the techniques used by individual brokers can vary greatly in this process
  
• Develop a comprehensive Information Memorandum on the company; normally a 15-30 page document outlining the business for potential buyers
  
• Conduct buyer searches
  
• Exposure - Marketing the business to prospective buyers
  
• Screen buyers for ability to complete a purchase
  
• Coordinate negotiations and provide deal structuring advice
  
• Provide overall deal management to guide the client through the entire process
• Help maintain confidentiality of the sale
  
• Hourly Consulting for a fee, based on the client's needs
  

Perhaps one of the biggest services provided by brokers is the ability to allow owners to stay focused on running their business during the sale process which can be take on average 6 months to 12 monthes to complete.

There are three forms of Brokers compensation; hourly, retainer, and success fee (commission upon a closing). A Broker may use any one, or combintaion of these when providing services. The most common form of compensation is a success fee commission where the payment of a commission to the brokerage is contingent upon finding a satisfactory buyer for the business for sale, the successful negotiation of a purchase contract between a satisfactory buyer and seller, or the settlement of the transaction and the exchange of money between buyer and seller. Just as major investment banks normally charge a retainer for services, more business brokers have started to embrace this practice as well. The retainer helps covers the upfront costs incurred by the broker to perfom services and shows a commitment on the part of the client (seller or buyer) that they are serious. Certain types of merger and acquisitions transactions involve securities and may require that an intermediary be securities licensed in order to be compensated.

In North America success fee commissions range from 5% to 12%. Usually, the smaller the transaction, the larger the commission. "Main Street" businesses, those with revenues between $100,000 and $1,000,000 can expect commissions to average bewteen 8% - 12%. Commissions are determined between the client (seller or buyer) and their broker and are normally paid at closing.

The standard commission is likely to be lower in the United Kingdom (see Lehman scale). Commissions are negotiable between seller and broker. The commission could also be paid as flat fee or some combination of flat fee and percentage, particularly in the case of lower-priced businesses, businesses in the multi-million dollar price, or other unusual business assets. The details are determined by the listing contract.

Out of the commission received from the seller, the broker will typically pay any expenses incurred to do the work of trying to sell the listed businesses, such as advertisements, etc.

All compensation to a broker paid by a third party must be disclosed to all parties.

In the US, licensing of business brokers varies by state, with some states requiring licenses, some not; and some requiring licenses if the broker is commissioned but not requiring a license if the broker works on an hourly fee basis. State rules also vary about recognizing licensees across state lines, especially for interstate types of businesses like national franchises. Some states, like California, require either a broker license or law license to even advise a business owner on issues of sale, terms of sale, or introduction of a buyer to a seller for a fee. According to an IBBA convention Seminar in 2000, at least 13 states required Business Brokers to have a Real Estate license. The following require a license to practice as a business broker: Arkansas, California, Colorado^[2], Florida, Georgia, Idaho, Illinois, Michigan, Minnesota, Nebraska, Nevada, Oregon^[3], South Dakota, Utah, Wisconsin, and Wyoming.

Certain types of merger and acquisitions transactions involve securities and may require that these "middlemen" be securities licensed in order to be compensated.

Classifications of Business

There are many types of businesses, and, as a result, businesses are classified in many ways. One of the most common focuses on the primary profit-generating activities of a business:

• Manufacturers produce products, from raw materials or component parts, which they then sell at a profit. Companies that make physical goods, such as cars or pipes, are considered manufacturers.
• Service businesses offer intangible goods or services and typically generate a profit by charging for labor or other services provided to government, other businesses or consumers. Organizations ranging from house decorators to consulting firms to restaurants and even to entertainers are types of service businesses.
• Retailers and Distributors act as middle-men in getting goods produced by manufacturers to the intended consumer, generating a profit as a result of providing sales or distribution services. Most consumer-oriented stores and catalogue companies are distributors or retailers. See also: Franchising
• Agriculture and mining businesses are concerned with the production of raw material, such as plants or minerals.
• Financial businesses include banks and other companies that generate profit through investment and management of capital.
• Information businesses generate profits primarily from the resale of intellectual property and include movie studios, publishers and packaged software companies.
• Utilities produce public services, such as heat, electricity, or sewage treatment, and are usually government chartered.
• Real estate businesses generate profit from the selling, renting, and development of properties, homes, and buildings.
• Transportation businesses deliver goods and individuals from location to location, generating a profit on the transportation costs

There are many other divisions and subdivisions of businesses. The authoritative list of business types for North America is generally considered to be the North American Industry Classification System, or NAICS. The equivalent European Union list is the NACE.