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Ist eine Haftpflichtversicherung notwendig?

Die Haftpflichtversicherung zählt to the inevitable insurance and is recommended by financial advisors explicitly.

Even consumer advocates argue that the people protected by a liability insurance before the damage because there is liability in case of damage to the entire property or income. Unlike the statutory automobile liability, the Private Insurance is not compulsory, but voluntary insurance, which are not completed.

According to § 823 BGB, any person who causes another a wrongful injury, is responsible to replace this damage. This can in extreme cases are really expensive and uninsured cause drive them to financial ruin. With a liability fund is open to all people hedge.

Anything is possible, but not everything is necessary. When choosing the right liability, it is important to seek out not the cheapest, but to pay attention to the conditions.

Wen you have children, you should complete in each case a personal liability insurance, because fast is something going on. The children sit in the bathtub and splashing happily, unaware that half of the pool water through the ceiling of the sub-tenant refueling. The question of who should pay for the damage can sometimes make peaceful neighbors bitter enemies.

liable in case of damage the insurance fund for such damage. These include, depending on the service package, not even damage caused by fire, burglary, robbery, piped water, and storm and hail. With additional security, the data subject to various other damages, such as water discharge from aquariums or water beds, protect against the loss of an important key or against elemental damage. Important to the personal liability is that persons and property, and financial losses are covered according to the responsible party must not bear the costs themselves. Just for personal injury can mean the financial end. There is therefore a need for Haftpflichtversicherung.

Wer einen eigenen Betrieb leitet, sollte über eine Betriebs-Haftpflicht nachdenken und auch die Absicherung des beruflichen Bereichs mit einer Berufs-Haftpflicht ist nicht zu unterschätzen.

Hier sollte unbedingt ein Haftpflichtversicherung Vergleich angestellt werden, denn nicht jede Versicherung bietet die gleichen Konditionen zum gleichen Preis. Vergleichen lohnt sich und Sie können viel Geld sparen.

cf. http://www.finanztrader.com/2010/05/ist-eine-haftpflichtversicherung-notwendig/

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U.S. conservatives have their own view of Europe.



This image is influenced by their ideology, which is known to keep the welfare state for a paragon of communism and the worst economic ills in this world. The speculative attack of the Anglo-Saxons against the euro (see the propaganda in the Wall Street Journal) can hardly be explained otherwise.

that this view can be understood only as an expression of their ideology, can demonstrate the example of Ireland. You have to just turn the brain and open your eyes.

Ireland is now being forced not to Austeritätspoiltik, because the state would have to blame for socio-political reasons.

Ireland's government has chosen the path of austerity, because it failed to monitor and regulate banks effectively.

But this is precisely the policy that conservatives denounce the U.S. as a way to hell.

The New York Times, January 27, 2011th
Their Own Private Europe
By PAUL KRUGMAN

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hair TIPP

1. hair dye and the reagent must be well mixed, even general use for 3-5 minutes to shake these 2 solvents alone is not enough to shake a few times, and be sure to shake the bottle hard body in order to achieve the effect of mixing.
2. Comb is also very important, even relatively dense usually selected comb comb, so that results come out better than the width of the comb.
3. To complete after the hair dye to hair to rub against, this will enable the dye is evenly distributed on the hair.
4. More difficult for the hair color can take shower cap, then heated with a hair dryer, it is easier to color.
5. Remain in the hair dye to basically 40-50 minutes is enough.

hair
NOTE 1 week before to avoid the use of deep conditioner, repair commodities, and double shampoo, cuticle repair fluid so as to avoid the formation of protective film on the outer hair, stop the dye into the hair, so that discount hair effect.
NOTE 2 If you want to also having an affair, hot model, proposed to perm every 1 to 2 weeks later, further hair dye, perm solution because it will affect the hair, it makes hair fade early, in addition, was sensitive to hot and easy after the scalp, this time were likely to have allergies have hair!
hair two days ago
NOTE 1 Do not wash your hair the day before as far as possible, so the natural sebum of the hair, forming a protective film to protect the hair follicle; wash your hair properly can avoid the risk of accidentally scratching the scalp. Because if there scalp wound and then exposed to dye, but can cause scalp irritation, itching.
NOTE 2 hair required before a "stain the skin allergy test" to avoid skin allergies.
never dyed hair, or try a new brand of dye, it is recommended for skin allergy testing is the safest. When the hair

Note
1. To avoid the menstrual period, pregnancy: girls in this period physically weak, endocrine changes, and the hair scalp when the pores will open, so the chemical composition of dye may cycle into the body through the scalp, in order to prevent discomfort, which is not recommended dye.
2. Do not repeat within three months of hair: dye in some of the elements will damage the hair cuticle, allowed to become fragile, break! So when the hair has not yet recovered, but dye again, not only will the new non-permanent hair color, hair will be long-term damage!
3. Should be on the hair is dry hair: hair before, if there is contamination hair styling products, do not need to rinse down, as long as the flat with a fine comb to comb the styling products you can, as long as you can to keep hair dry and hair.
4. Do not be hair in the bath: because the water vapor in the bathroom and the color dye will be diluted, affecting color effect, or the occurrence of eye drops NG agent status of water!
5. Room temperature controlled at 25 ~ 28 degrees the most appropriate: if the temperature is too high although the reaction will speed up the hair, but are likely to cause hair color too deep or too shallow; the other hand, if too low, it will have color dye is not easy!

little attention after hair Reminder
1. Transfected two days after the end Do not wash your hair, after dyeing the week, select the specific color protection shampoo, hair streaming along the direction of hair growth, not only remove the dye smell taste, but also repair cuticle, the new hair color is more durable.
2. Two weeks after transfection, can be carried out every two to three days of intensive deep conditioner, hair care products selected more protein, add the one hand, the loss of hair due to hair protein and moisture, but also allows after transfection more shiny hair!

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sommerliche temperaturen - Grad-Wanderung

Prima climate? We reveal and explain the optimum temperatures for twelve everyday situations

© istockphotos

serve wines

temperature: To reach the good drops the bouquet are full, for white wine 8 to 12 degrees, ideal for rose wine to 11 degrees for red wine and 16 to 18 degrees.

risk: too cold wines lose their flavor, contribute to warm wines dominated the alcohol taste.

Tip: Remember that wines by the glass still warm by 1 to 2 degrees.

© istockphotos

Oils Heat

temperature: cold-pressed olive oil can be up to about 175 degrees, sunflower oil to 220 degrees, canola oil to 180 degrees, soybean oil to 234 degrees and butter heat to 175 degrees. Risk: These "smoke point" to be released harmful substances. Heat the oil to a maximum of 160 degrees: Better.

Tip: helpful is the Rosle Gourmet Thermometer (37 €).

© istockphotos

hair styling temperature: one should wash warm, smooth between 160 (fine hair) and 200 degrees (thick hair).

risk: to hot temperatures, the hair splissanfällig.

Tip: straighteners without display? Take the heat test: Put wet handkerchief between the plates - the water should evaporate, the paper is not damaged.

© istockphotos

room temper

temperature: The bedroom should be 18-20 degrees, in the living energy-saving 20 to a comfortable 23 degrees. In the office you are most at 22 to 25 degrees most productive.

risk: In hot environments will be sleepy, but you can sleep well only if it is not too warm.

Tip: The perfect humidity is 50-60 percent.

© istockphotos

milk froth

Temperature: 70 are optimal Degrees.

risk: If the milk is heated above 80 degrees, the denatured protein. Episode: The milk is flaky. It also threatens the high boiling overflowing.

Tip: Use semi-skimmed milk with high protein content and a milk foam thermometer with clip for clamping (Motta on casa-del-espresso.de , 10 €).

© istockphotos

Melt chocolate

temperature: dark chocolate should not exceed 50 degrees heat milk and white chocolate does not exceed 45 degrees. For sewing and decorating the ideal temperature is 33 degrees.

risk: chocolate is lumpy, if it is heated too high.

Tip: the simmer pot with temperature display WMF (80 €) is doing everything right.

© istockphotos

pleasant massage

temperature: massage oil in the water bath to 40-45 degrees in herbal oil heated to 90-110 degrees. Hot stones work best at 57 degrees.

risk: massage oils are above 60 degrees substances such as lecithin withdrawn.

Tip: use for heating oil (in glass bottles) a baby bottle warmer. Massage accessories, there are over helfra.de.

© istockphotos

wallpaper and paint

temperature of 18 degrees is just right.

risk: Is the room too cold, dry paint and wallpaper too slow, and it may be stained. At high temperatures there may be bubbles of wallpaper, paint and streaks.

Tip: The color itself is not too cold (usually not less than 5 degrees). Make They, therefore, the manufacturer's instructions.

© istockphotos

cut flowers

water temperature: 30-40 degrees are ideal for flowers that like it warmer, such as roses, sunflowers, chrysanthemums, gerberas, gladioli.

risk: Not all stems are wimps! Cold it do tulips, daffodils, dahlias, or anemones.

Tip: you must whip out a thermometer - hot flower water feels like your bath water.

© istockphotos

bulbs put

temperature: Autumn bulbs (tulip, hyacinth, crocus) plant is best at a soil temperature of 10 degrees, spring onions (Freesia, Dahlia, Gladiolus) at 15 degrees.

risk: If the soil each form too warm or too cold, no roots.

Tip: Plant when temperatures are constant at night for two weeks.

© istockphotos

prepare tea

temperature: Black tea, herbal tea and fruit tea with boiling, green and white tea with 70-80 degrees, 50-60 degrees with Japanese green tea hot water pour

risk. teas are brewed too hot, they taste bitter.

Tip: particularly chic: the Teethermometer with column ( absolutely social.de , 26 €).

© istockphotos

feeding babies

temperature: At 37 degrees it tastes the best toddlers. Water for infant formula but must be boiled before. Cool off with a baby-eg walz.de (27 €).

Risk: Is the water is too hot to go vitamins lost in the milk powder.

Tip: Testing wrist. If it does not feel too hot or too cold, the milk is just right!

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With the right system lead socks, bras, panties and nylon stockings optimal order life

© A. Achmann

grouped Good

pretty visually, but practically at all, you sort of panties on the color. So fast is what you need on hand. Find matching panties and bras should be kept together.

sorting using

stable board, as of old packages, cut into strips - adjust length and height drawer. Longitudinal bars at the top, tuck cut down put together.

Inseparable

socks pair as fold and put in the drawer. Time-saving tip: A sock for washing in the other stuck to dry next to each other. This keeps couples together long.

mesh protection

tights are, unfortunately, extremely sensitive and susceptible to laddering. This can be prevented if you keep the nylons individually protected in Ziploc bags.

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on holiday - - green your life your indoor plants at home alone. We wanted to know how the greens, it is best to

jungle or desert? What you will find on their return depends on how your plants are in your absence of water. We have two shipping units and four home remedies 14 days to six thirsty sedge plants tested.

Our water dispenser:

first Automatic

activated a timer once a day one minutes long a variable irrigation system (from Gardena, about 83 €).

the plant after 7 or 14 days.

second A clay inlays

plugged into the potting soil in dry cone sucks on a bottle of water from a filled glass (Blumat, from about 3 €).

third Pebble

Good advice from Granny: plant watering, place on earth thick gravel layer.

4th Read thread pump

at www.tipscout.de Share increased a bucket of water over the plants. Then you hang a wool yarn with one end in the bucket, the others will dig into the ground. The thread is the water carrier, the roots hydrated.

5th Sponges

Another tip from Grandma: Laying soaking sponges on the potting soil.

the plant after 7 or 14 days.

6th Bowl

plant with pot set into a plastic bowl. The spaces between the two vessels fill up with peat and water thoroughly.

result

Gardena Blumat and worked well. The expensive device Gardena only pays for greenhouses (waters up to 36 pots). Cheaper, but even worse: Bowl-pump method and thread (the latter is not only the pot under water). Grandma's tips can forget.

Non mitgetestete alternative: Professional House Sitting ( www.vdha.de ).

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stock options for Goldman Sachs partner

"Nearly 36 million stock options were granted to employees in December 2008 - 10 times the amount issued the previous year - when the stock was trading at $ 78.78. Since those uncertain days, Goldman's business has roared back and its share price has more than doubled, closing on Tuesday at nearly $175."

Susanne Craig, Eric Dash: Study Points to Windfall for Goldman Partners . The New York Times, 20. Januar 2011.

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What constitutes a comma

A panda walks into a café. He orders a sandwich, eats it, then draws a gun and fires two shots in the air. "Why?" asks the confused waiter, as the panda makes toward the exit. The panda produces a badly punctuated wildlife manual and tosses it over his shoulder. "I'm a panda," he says at the door. "Look it up." The waiter turns to the relevant entry and, sure enough, finds an explanation. "Panda. Large black and white bear-like mammal, native to China. Eats, shoots and leaves."

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hate preachers in U.S. media: Rush Limbaugh

“The Arizona sheriff investigating the Tucson shooting that left U.S. Rep. Gabrielle Giffords critically wounded had harsh words today for those engaging in political rhetoric, calling conservative radio host Rush Limbaugh ‘irresponsible’ for continuing the vitriol,” reported ABC News’s Sarah Netter. “ ‘The kind of rhetoric that flows from people like Rush Limbaugh, in my judgment he is irresponsible, uses partial information, sometimes wrong information,’ Pima County Sheriff Clarence Dupnik said today. '[Limbaugh] attacks people, angers them against government, elected officials and angers them against that kind of behavior in my opinion is not without consequences. " "Tobin Harshaw

: There's a New Sheriff in Politics . The New York Times, 14 January 2011. wikipedia.en
Rush Limbaugh
on:

on wikipedia.de Rush Limbaugh

already shows a superficial comparison of the two articles that they differ significantly. The English version is more comprehensive, which surprised a U.S. hardly keyword. But the English version is also more open in dealing with controversial judgments. One could interpret this to mean that the German Wikipedia-establishment in fear of ideological bias tends to favor the weighted majority ideology of the mainstream media (even by the rule which requires source documents with authority) and relevant aspects in the field the keyword hush best (the rule that POV - point of view - forbidden).

Such formalistic reasoned pursuit of "encyclopedic" writing ultimately produced a "Enzyklosklerose. For, according to an Edit War usually comes into existence on less cumbersome way that is understandable, an article that finally satisfied no one completely, but only for the ordinary reader is still difficult to understand, but no one has the the guts to change decisively, because it would again take time and effort to conduct an Edit Wars.

to political hatred in the U.S. read one columnist Paul Krugman :

"The point is that there's room in a democracy for people who ridicule and denounce those who disagree with them, there is not any place for rhetoric eliminationist , for suggestions that those on the other side of a debate must be removed from that debate by whatever means necessary

And it's the saturation of our political discourse -. and especially our airwaves - rhetoric that lies with eliminationist behind the rising tide of violence.

Where’s that toxic rhetoric coming from? Let’s not make a false pretense of balance: it’s coming, overwhelmingly, from the right. It’s hard to imagine a Democratic member of Congress urging constituents to be “armed and dangerous” without being ostracized; but Representative Michele Bachmann, who did just that, is a rising star in the G.O.P.

And there’s a huge contrast in the media."

Paul Krugman: Climate of Hate . The New York Times, 9. Januar 2011.

Zum Jahrestag der Wikipedia wird in den Medien einhellig von einem "Siegeszug" gesprochen. Darüber wird leicht vergessen, dass man sich auch can conquer death. For not only among companies the problems begin only really when they are really successful. To sustain the organization is usually more challenging than the climb.

In the social theory of the transition from a "primitive Christianity" to a "church" (cf. Hegel's reflections on Judaism and Christianity), on the transition from charismatic authority to bureaucratic routine (Max Weber) in the antiautoritärem Chaotentum "march through the institutions" or generally known for a social movement to political organization always. If within a movement such as Wikipedia, the oligarchic rule of a clique of established has, that is inevitable after Robert Michels .

"The fundamental and indicative ideology of the Wikipedia has changed in the course of the project. The change came from a liberation and production ideology (liberation of knowledge from the copyright, anyone can participate, gathering of world knowledge through the participation of many) toward . to a product ideology (quality of the product, competition with other encyclopedias, primacy of the organization on Participation of all) What is special is that the conversion took place mainly in the few activists - This is caused by the intense confrontation between the activists and the experience that these other made participants (especially so-called vandals and trolls), and you make every day again. The other hand, are less engaged in such debates outside - "official" statements, such as donations to emphasize the earlier liberation ideology. Because of the ideological "split" of Wikipedia ongoing conflicts arise. This finding, which is supported by numerous in a research project lessons learned based, can be at least part of the problem, turning away people and the weak inflow of new employees will be declared. "

Christian Stegbauer

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Historicism in the U.S. world policy

It's more than irony . The fundamental criticism Karl Popper at the time of the Marxist philosophy of history - which he rightly or wrongly, as "historicism " constructed - was bestowed, can effectively exercise of basic beliefs of U.S. hegemony.

first Globalization and free trade, promote mutual benefits (win-win situation for the trade partners).
second Economic development and democratization of a country go hand in hand.
third Globalization is equal to Americanization, thus encouraging the enforcement of American values.
4th Democratic countries have no fundamental conflicts of interest, therefore, all democratic countries of the leadership U.S. opposed.

Gideon Rachman: Think Again: American Decline . Foreign Policy, Jan. / Feb. 2011th

under such world-historical prejudices that often no longer be made aware of, is the theory of "industrial society" and the "modernization". Especially the case of China shows that behind this supposedly scientific sociology is nothing more than an ideology hides, which assumes the special case of the USA as a general binding model of social development. A theoretical set piece, which is often intertwined with other theories of globalism .

Karl Marx used already in the preface to Capital, a comparatively simplification, when he wrote that England was the model for the following countries for industrial development. The error is only unilinear developments and mono-causal, or at least to think only of few reasons reasons.

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The importance of the Church of Christ

Tony Curto, Professor für praktische Theologie und Apologetik am Greenville Presbyterian Seminary, hielt zwei hervorragende Vorträge über die Bedeutung und Wichtigkeit der Kirche an einem gemeinsamen Anlass der ERKWB Österreich and Switzerland. Both papers were translated into German and can here Part 1 and Part 2 here be heard.