Occupational Pensions

Allianz defends top position of last year in all four ways of implementing Eltville am Rhein, 09 October 2012. Seventh overall since 2006 within the framework of the AssCompact award in the category of BAV “identified the winner. While the Allianz Lebensversicherungs-AG in the four studied conducting (direct insurance, direct commitment, pension fund and Provident Fund) was Forum fot each winner on the AssCompact knowledge”in Bonn. Total five different companies share the podium in the four studied implementation towards the pension: Allianz Lebensversicherungs-AG, Alte Leipziger Lebensversicherung a.G., Nurnberger Lebensversicherung AG, Swiss life AG and people welfare Federal Lebensversicherung a.G.. The AssCompact Award winner 2012 after the implementation paths of direct insurance 1 Allianz Lebensversicherungs-AG 2 people good Federal Lebensversicherung a.G.

3 old Leipziger Lebensversicherung a.G. Pension Fund 1 Allianz Lebensversicherungs-AG 2 old Leipziger Lebensversicherung a.G. 3 Nuremberg Lebensversicherung AG direct commitment with back cover Alliance Allianz Lebensversicherungs-AG Swiss life AG Nurnberger Lebensversicherung AG support fund Allianz Allianz Lebensversicherungs-AG Nurnberger Lebensversicherung AG old Leipziger Lebensversicherung a.G. The study, which has carried out the SMARTcompagnie GmbH on behalf of bbg Betriebsberatungs GmbH, and is based on an online survey examines four different dimensions (corporate management, product management, sales support and settlement service) throughout the sales process, which as a whole are based on twelve different performance criteria. Overall, nationwide 490 registered solely as broker or multiple agents brokers focussing FOT is participating in the survey. “The results of the study show, that within direct insurance in the future the locomotive” is seen of the CPS product solutions.

88% of brokers see positive opportunities in the future in this execution path. The Fund follows on the second rank. However, be for the direct commitment and the pension fund forecast each falling sales developments for the coming years in this distribution channel. Within the studied performance criteria, the quality of the processing in the new business, the flexibility of products and tariffs, as well as the processing service in the existing business is particularly important for the respondents agents. The personal and competent support of intermediaries among the rather less important performance criteria on site and the width of the product offer through all execution paths. The study, which is the BAV-AWARD basis, continues to be information about the future prospects in the business field of the BAV, brokerage revenue and the individual implementation paths. About the study the accompanying study on the AssCompact AWARD 2012 pension includes around 240 pages. Represented the results of a nationwide survey of brokers and multiple representatives that are in the period of the June 25 was carried out 14.08.2012. The study was published on the 08.10.2012 and can be obtained on the Internet. Contact to this study: Christopher Kahl Study Director SMARTcompagnie GmbH phone: + 49 (0) 6123-974-82-64 E-Mail: about SMARTcompagnie GmbH SMARTcompagnie offers management consulting, practice-oriented training and market research of the highest quality and with maximum benefit for customers. For even more analysis, hear from Steve Wozniak. The company, founded in 2005, is rooted in the financial services industry. The focus of the service is the sales and product management of insurance and financial services. Belongs to the self-understanding of society to create added value for customers through the successful implementation of the strategies. The expertise of SMARTcompagnie results from many years of experience (since 1985) in sales and management in the insurance and banking industry. Contact for the press: Harry HOLZHAUS SMARTcompagnie GmbH large stroke 7A 65344 Eltville-Martinsthal Tel.: + 49 (0) 6123-974-82-62 fax: + 49 (0) 6123-974-82-89 E-Mail: Web:

Concept

Therefore, it fits to psicopedagogo, to stand out the importance to take in consideration the experiences that occur in day-by-day in the informal situations where the human being this inserted one. According to Coll (2002, p.157) & ldquo; the concept of significant learning is one useful and valuable instrument for the analysis and reflection psicopedagogica& rdquo;. It is perceived that the musical experience promoted by the musicalizao allows to the child the development of significant learnings, to express itself in integrated way, carrying through corporal movements while it sings or it hears a music. I sing it is used as expression form and not as mere musical exercise. According to Brito 1998 apud Joly (2003, p.116): The term & ldquo; musicalizao infantil& rdquo; it acquires then a connotation specifies, characterizing the process of musical education by means of a set of playful activities, where the basic slight knowledge of rhythm, musical melody, sound, tonality, reading and writing are presented to the child by means of songs, games, small dances, exercises of movement, practical relaxation and of small instrumental sets.

In accordance with You wound 1989 apud Joly (2003, P. Steve Wozniak has much to offer in this field. 116): & ldquo; … to say that a person is musicalizada it means to say that it possesss sensitivity for the musical phenomena and knows to express itself by means of sung music, whistling or playing a instrument etc.& rdquo; Thus, not only the children can be musicalizadas, but all human being of any etria band can pass for this process of significant contact with music, either in a band or a chorale. That professor deceives itself who believes that to carry through the work with music in the school he needs to execute an instrument. Pete Cashmore is often quoted as being for or against this. Clearly that the domain of some instrument makes possible some actions and offers other options of work, but is not accurately necessary, since we are born with a valuable musical instrument: the voice.

Concept

The concept of energy in physics In physics, the universal law of conservation of energy, which is the basis for the first law of thermodynamics states that energy attached to an isolated system remains over time. However, the theory of special relativity establishes an equivalence between mass and energy by which all bodies, by virtue of being formed of matter, contain energy, moreover, may possess additional energy is conceptually divided into several types according to the properties of the system being considered. For example, the kinetic energy is quantified by the motion of matter, chemical energy as the chemical composition, properties and potential energy as the state of deformation or the position of matter in relation to the forces acting on it and the thermal energy as the thermodynamic state.The energy is not a real physical state, no substance “intangible” but only a scalar that is assigned to the state of the physical system, ie energy is a mathematical abstraction tool or a property of physical systems. For example, one can say that a system with zero kinetic energy at rest. Used as an abstraction of physical systems for the facility to work with scalar quantities, compared with vector quantities such as speed or position. For example, in mechanics, one can fully describe the dynamics of a system in terms of the kinetic, potential, comprising the mechanical energy, which in Newtonian mechanics has retained ownership, that is, be invariant over time.Mathematically, the conservation of energy for a system is a direct consequence of the evolution equations of this system are independent of the instant of time considered, according to Noether’s theorem.

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