Monday, December 21, 2009

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House Gran Canaria, Canary Islands: Rules and judgments

shoveling and spreading in winter

Some people would probably prefer that it not in the winter snows. Then he would not care Wegeräumpflicht his latest. It affects not only homeowners - and tenants may be responsible. Snow and ice in front of the door must be removed - even before the rush begins. Late risers may be a failure to so expensive passers falls on icy paths outside the front door, threatening damages and pain and suffering claims.

principle exempt the owner of his land of snow and ice. "All roads to walk where visitors often - Such as the front door, the parking lot, dumpster, or letter box - are shoveling freely in snow, "said Ulrich Roper of the German Tenants' Association have on the land adjacent sidewalks in itself of the communities evacuated and dispersed as a public way pass a rule.. . this work but from the residents - for the same destination in the street cleaning statutes

owner shall not take in any case, personally snow shovel at hand, especially in multi-family homes or apartment units will be switched frequently a professional winter or a caretaker, and also to tenants. Winter obligations can be transferred. "Whether accept tenants the winter service must result from the lease, "said Roper." And as the clearance and obligation to grit among several tenants - such as in apartment buildings -. are divided, is in the House Rules "

can free Fully a owner of . but not the responsibility of the Federal High Court after he needs to ensure that the persons liable for shoveling to do their jobs actually (Document VI ZR 126/07). In particular, the clear leaders on the ground in snow and ice at about spread out with "numbing agents" such as granules, gravel or sand. "The use of salt and other thawing materials prohibited in most communities, "adds Alexander Wiech added by the owners association Home Basic.

regulates the local statutes, from when to when are the sidewalks to evacuate. this is not the case, can the owner and tenant . guidance in the case, according to a ruling of the Higher Regional Court Koblenz clearance and obligation to grit at 7.00 clock starts with the beginning of the "general services" (Az 5 U 101/08) and ends according to a ruling by the Federal Court against 20.00 clock (Az . VI ZR 125/83) on Sundays and public holidays are contrary to the courts lie-The Schneeräumpflicht begins, according to the tenants' association about one to two. Hours later. For a newspaper messenger who is already at 5.00 clock in the morning, and must therefore not specifically cleared.

But who was already exemplary diligently in the early morning, can not necessarily rest all day on his laurels. In the case of continuous snowfall has geschippt occasions, the Federal Court ruled in one case (Case No.: VI ZR 49/83). Following a decision of the Landgericht Bochum but it is sufficient if it is noon nachgeräumt (Az: 2 O 102/04). Considerably more effort is required on thin ice: The Higher Regional Court of Munich has scattered action in three hour intervals for appropriate where the grit in the meantime lost its effect added (Ref.: 1 U 3329/08). For tourists, professionals or patients can be an organizational challenge. You must always provide a representative. Sidewalks

on a 100 to 120 centimeters wide swath evacuate - two passers-by have to walk past each other, the decision of the Bundesgerichtshof (Az: III ZR 8 / 03). "With enough trails on private land, however, a 50 centimeter wide strip," said Wiech.

walkers should not rely on a fall of snow and ice leads automatically to a windfall. "If the passer is not paying attention or the smoothness is obvious and there is possibly . Even the ability to take a different path, it must offer a contributory negligence are against it, "Christian Meyer explained by the Consumer Centre Schleswig-Holstein A claim for damages will be reduced by the respective Mitverschuldensquote - a bit of personal responsibility is therefore expected of all parties involved.


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House Gran Canaria, Canary Islands: the propensity to save increased

consumers reluctant to go

Consumers in a subdued mood to buy into the new year. The consumer climate clouded in January, a third time in a row, as the Nuremberg GfK said. The indicator was 0.3 to 3.3 points after, analysts had to 3.5 meters expected.

particular, the willingness to buy furniture or similar large purchases dropped sharply. Expectations of rising prices for energy sources such as oil and gas consumption functions as an brake, the experts wrote. The income expectations improved significantly at the end though. Nevertheless, private consumption next year are marking time and thus fail as a pillar of the economy, warned the researchers.

As many citizens uncertainty about the performance of the labor market is dominant, and the propensity to save at the end of the year has increased considerably. "The consumer sentiment additional burden," said market researcher GfK Rolf Bürkl. 2009, the citizens had defied the crisis and boost the consumption is forecast at around 0.5 percent. Thus, the private consumption to a stabilizer in the economy, which has been battered by drastic fall away jobs in the export sector badly.

Consumers go to the end of it, that could continue the moderate recovery process in the coming year. In addition, citizens apparently hoped by the Growth Acceleration Act of 2010 relief in their wallet. May expect, for example, families with increasing child benefit and a higher child tax credit.

addition GRP-view, that the intense price competition in the trade an additional boost for the Convention mood supplies. The trade is against this background on the holiday season despite the crisis with a black eye to get away.

The citizens see the prospects for the economy again somewhat more optimistic. The corresponding index rose 0.8 points to 1.7 points. He is more than 34 points over the previous year: "Consumers will assume that this will continue the moderate recovery process of the German economy in the coming year," said Buerkle.


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Sunday, December 20, 2009

Cost Of Filling A Cavity Texas

Gran Canaria quiet holiday complex in nature

holiday near the sea Maspalomas Gran Canaria

Our residence is a large selection of fruit trees, where mangoes, figs, avocado, loquat, pomegranate, khakis, Guavenbirnen, Guanabanas, Ñameras, different varieties of bananas, lemons, cactus fruits, coffee beans are harvested, etc.. Animals, such as: peacocks (free living), parrots, pigeons come and go as they please, cats and our dogs give the residence a special character and safety. The complex also includes a freshwater swimming pool with solarium is in a private area of more than 800 m2.

geography
Maspalomas Maspalomas is situated on the southern tip of the island of Gran Canaria. Situated on the shores of the Atlantic. To the southeast it is the dunes of Maspalomas from the sea. Maspalomas consists mainly of resorts and associated infrastructure. The village is divided into the following parts: El Oasis: southern part, consisting of the Faro (lighthouse) and the oldest holiday resorts (1960s) Meloneras: southwestern part, consisting of large hotel complexes, shopping center and convention hall, built since 1997 Campo International: middle and eastern part, consisting mostly of bungalows and a golf course area, built 1980-1995 Sun Land: North Western part of Maspalomas, built in the 1980s with smaller hotels and private residences, in 1997 added more hotels El Hornillo: Located in the west of the village, home of more affluent residents, such as hotel managers El Tablero: Northern part, already on the north side of the highway, no hotels and residences of many hotel employees. East of Maspalomas seamlessly goes in Playa del Ingles. Both places are part of the municipality of San Bartolomé de Tirajana.

history
Maspalomas Maspalomas is dominated by tourism. The village has no other economic activities. There are many shopping centers and amusement parks. A special attraction is the ten miles north Palmitos Park, who took over the devastating forest fires in the last days of July 2007, significant damage and on 4 was reopened in August 2008. Maspalomas is connected by the Island Highway (GC-1) and by bus to the airport and the island of Gran Canaria's capital Las Palmas de Gran Canaria and the West Coast. The transport network is cheap and good. During the day, and within the Maspalomas / Playa del Inglés in the regional language Guaguas "said buses of the modern global travel generally in the stroke of 20 minutes.



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beach Maspalomas Gran Canaria

Maspalomas is an international Resort in the south of Gran Canaria.

Maspalomas is situated on the southern tip of the island of Gran Canaria. Situated on the shores of the Atlantic. To the southeast it is separated by the dunes of Maspalomas from the sea. Maspalomas consists mainly of resorts and associated infrastructure. The village is divided into the following parts:
El Oasis: southern part, consisting of the Faro (lighthouse) and the oldest holiday resorts (1960s)
Meloneras: southwestern part, consisting of large hotel complexes, shopping center and convention hall, built in 1997
Campo International: middle and eastern part, consisting mostly of bungalows and a golf course area, built 1980-1995
Sun Country: North Western part of Maspalomas, built in the 1980s with smaller hotels and private residences, since 1997 added more hotels
El Hornillo: Located in the west of the town, home to affluent residents , such as hotel managers
El Tablero: Northern part, already on the north side of the highway, few hotels and residences of many hotel employees.
goes east seamlessly Maspalomas in Playa del Ingles. Both places are part of the municipality of San Bartolomé de Tirajana.

dunes of Maspalomas: The dunes of Maspalomas in the south east extend over a length of six and a width of one to two kilometers. The sand here is not made of rock debris, but mostly from the surf and alluvial grated coral and limestone - the Calima been blown sand from the Sahara is not the real source. Severe storms in the spring of 2006 focused on some damage and a lot of sand washed into the sea.
located in the dunes, the only official nudist area of Gran Canaria. At the lighthouse there is an oasis ("The Pond"), breed in the many water birds. It is just like the dunes since 1987 under protection.

history: Maspalomas is the oldest resort on the south coast of Gran Canaria. The name means many pigeons.
The 68 meter high lighthouse El Faro was in the 19th Century church.

Economy and Transport: Maspalomas is dominated by tourism. The village has no other economic activities. There are many shopping centers and amusement parks. A special attraction is the only ten kilometers north Palmitos Park, who took over the devastating forest fires in the last days of July 2007, significant damage and is closed until further notice.
Maspalomas is connected by the Island Highway (GC-1) and by bus to the airport and the island of Gran Canaria's capital Las Palmas de Gran Canaria and the West Coast.
The transport network is cheap and good. Tags About and within the Maspalomas / Playa del Inglés in the regional language Guaguas "said buses of the modern global travel generally in the stroke of 20 minutes.


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house private investment Gran Canaria Canary Islands

House Maspalomas

House Maspalomas: How to live with us, all consisting of home
Family-run, rural property from 6 domestic residential units with terraces and panoramic sea views of the sea, are tastefully and comfortably furnished in country style. Everywhere, Attention to detail significantly. The houses are single storey, independently of each other and equipped with every comfort. All units have SAT / TV, music system, safe and very well equipped kitchenettes.

SERVICE INCLUDED:
- Direct Private Transfer from / to airport with general information for your holidays.
- Car rental with full comprehensive insurance, unlimited mileage.
- On arrival: fruit, water, wine, beer and soft drinks.
- towels 3 x per week. - Cleaning 5 times per week.
- bed linen and bath towels 1 x per week.
- fresh bread for breakfast.


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house up to 3 people on Gran Canaria

house up to 3 people on Gran Canaria. Size 60 m2

ORGANISATION: Comfortable living room with an open kitchen and a dining table.
One bedroom with double bed and a wardrobe
bathroom / toilet, wardrobe and safe.
the bungalow belonging to large sun terrace with dining table and sea views.

INTERIOR: All furniture in light wood, television, stereo system, a small private library. Showcase with different crystal glasses.

KITCHEN: Gas stove with electric. Plate, electric. Drink mixer, coffee maker, refrigerator 340 liters. with freezer, dishes and cutlery from the best quality.


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house up to 4 persons Gran Canaria Maspalomas

holiday home in Gran Canaria Maspalomas, up to 4 persons, 90 m2 floor area.

ORGANISATION: Spacious and comfortably furnished living room with open dining room and kitchen.
A double bedroom with a wardrobe
Two small single bedrooms with wardrobe
A large bathroom / WC.
Large balcony terrace with a shower and seaview
shaded dining area in the private garden with tropical trees, opening out to the plantation.

interiors: All honey-colored wood furniture, television, stereo system, a small private library. Showcase with different crystal glasses.

KITCHEN: Gas cooker with electric. Plate, electric. Drink mixer, coffee maker, refrigerator 340 liters. with freezer, dishes and cutlery from the best quality.


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house up to 4 persons Gran Canaria

house to 4 Personen.Grundfläche CA. 90 m2. Gran Canaria, in a green paradise of peace. Personal, individual treatment, private investment with charm.
dream residence in an idyllic location with stunning panoramic sea views of Maspalomas, Gran Canaria with the special address ambience and flair
ORGANISATION: Spacious and comfortably furnished living room with dining area and separate kitchen. Exit to the right pool.
Two double bedrooms with twin beds, each with bathroom / WC.
with the bungalow belonging to a balcony terrace dining table.
shaded dining area in the private garden with tropical trees and overlooking the sea.

interiors: All honey-colored wood furniture, television, stereo system, a small private library, Showcase with different crystal glasses.

KITCHEN: Gas cooker with electric. Plate, electric. Drink mixer, coffee maker, refrigerator 340 liters. with freezer, dishes and cutlery from the best quality.



Gran Canaria quiet holiday rentals Information>>

House news Gran Canaria Canary Islands

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house up to 6 people on Gran Canaria

house up to 6 people on Gran Canaria. Total area 130 m2
ORGANISATION: Spacious and comfortably furnished living room, open dining room and an open kitchen with a cozy breakfast bar.
One bedroom with double bed.
A bathroom with wardrobe, Safe and separate toilet, a bathroom / WC.
Two double bedrooms with twin beds.
Large loggia with seating and sea views.
shaded dining area in the private garden with tropical trees and separate exit to the pool.

interiors: All natural wood furniture, satellite TV, stereo system, a small private library. Showcase with different crystal glasses.

KITCHEN: Equipped with all the luxuries. Gas stove with electric. Plate, electric. Drink mixer, coffee maker, refrigerator 360 ltr. with freezer, dishes and cutlery from the best quality.

DINING ROOM: Equipped with typical Canarian furniture.


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Saturday, December 19, 2009

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House Gran Canaria, Canary Islands: decorate browser with Personas

Firefox in a festive mood

Mozilla Firefox browser provides the Personas extension the ability to change the look of the browser. Overall, the fox fur around 35,000 samples in the wardrobe. Mozilla has a boutique where you can download the free robes, newly renovated. Personas in the fitting is 2.0 even easier and makes a huge fun. Read how you can set Firefox to dress festive with a few mouse clicks.

time being, the new Personas page is unfortunately only available in English. Mozilla would like to translate the page but as soon as possible also in German and other languages. But even without language skills, it's easy to browse through personas.

Firefox can move faster than a top model. For this he needs only a small extension that you installed in a jiffy. Just click on the personas page in the selection bar on the green box with the inscription Get Personas for Firefox. The pop-up window contains a warning that you can safely ignore in this case. Click on the fox's head and then click Install Now. After you allow Firefox by clicking a restart. And hey presto, the quick browser is already in the locker room.

fix, as the Fox, please see if you move the cursor over one of the twelve preview images you see in the personas delivery. Once the arrow on one of the so-called "thumbnails" ("thumbnails") is, the browser changes its design. So you can quickly multiple personas, or "Skins" ("skins") try called.

order to make the decision a little easier makes Mozilla "featured Personas" (advertising) proposals and presents the "Up and Coming" in pretty clothes that are just beginning to get. That's more than the four thumbnails can be assumed on the homepage. If you click More & Up Coming Personas click, just add a few hundred on the clothes rail.

Back to the home page, click the Blauf pale white background on the right side of the proposal to discover more personas (Discover More personas). Here you can choose the most popular (Most Popular), just added (Just Added), and then abstract (Abstract) Themes, motives of film and TV, music (music), Nature (Nature), or the world of fashion (Fashion). is the full program and further selection categories and over 35 000's under more ... .

If you are looking for a specific topic, click the blue selection bar next to the magnifying glass icon Searches . Enter Of recent events, we take a look with "Christmas" Christmas collection for the current Firefox. You will see that there is almost all subjects which can be imagined in connection with the celebration of love. Overall we end up in a search of 200 results. As should have something suitable to be there.

Once you have decided on a dress (and dress), move the mouse over the thumbnail. There appear two fields. Under details you will see more or less interesting details. For example, the personality who has designed what he or she is still there and other proposals on the subject. Firefox to the permanent fur sleeve, you can Click here on the orange box Wear this persona. If the new garment immediately want to show your friends, then click Share With Friends. You can then send an e-mail, the show Persona your Facebook or Twitter clique.

If the hard over, you can still easily slip into a new skin. Since the small additional program Personas is now installed, you only need the menu bar, click Tools, click. If you move the mouse pointer over Personas, you can find a German menu. Have you had enough of the fashion show, just click on the standard - is already the fox again mouse gray. In the event that the extension will not have fun power, they will quickly get rid of Personas: Click on Tools -> Add-ons -> Extensions. With Personas, you only have to click uninstall and restart the browser - that's it.


House news Gran Canaria Canary Islands

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House Gran Canaria, Canary Islands: Tax and inheritance

What will change in 2010

With the new year, consumers have to adjust to many changes. Deceased taxpayer and benefit from facilitation, families receive a higher child allowances.

In the new year is a higher amount of income tax. The so-called basic allowance increase - 8004 € to remain in the future without state taxes, according to Deduction of advertising costs and other expenses. For married couples fall until a taxable income of 16 009 € of taxes. To the amount of € 8004 and the threshold increases to the income of children. So you may earn more without providing for example, lost the child benefit goes. Also, the allowance for deductible alimony payments increase to € 8004.

couple may choose the new year a new tax bracket combination. So far, couples use the distribution of Class III / V or IV / IV. With the new "factor method" using the classes "IV plus factor" to reach that at least two to him or her rightful tax cuts in wage tax deduction - Must be considered - for example, basic allowance and pension package. This explains the new Association of Lohnsteuerhilfeverein. The complaint made informally by presenting the two control boards at the tax office.

The partner with the lower income - usually the woman - is currently in the rule to the class V and has high unfavorable deductions. Only through the joint investment in the tax return to such a partner account then the bottom line is lower taxes. The new method couples can benefit from splitting advantage in the current year. The levy of a tax return is still required, warns the Federal Chamber of Tax Consultants in Berlin. Payments would be rare with the procedure, however.

Contributions to health care and are fully tax deductible from 2010. To date, the deduction for this "special issues" was - what she calls the tax office - limited. However, it covers only basic services, not optional and additional charges.

for public health insurance and services to this extent - and that includes spending on basic services in private health insurance - are the possibilities of deduction that is better: Was previously a flat fee of 1500 € per year deductible applies to workers in the future, a minimum limit of 1900 €. In fact, they can deduct the full cost - in the height at which they occur. Four percent are flat for entitlement to sick pay pulled off, Anita Kaeding said the Taxpayers Association. For this is the logic of the legislature does not care expenses.

Other expenses such as pension contributions to an accident or liability insurance or that have been deleted in return for unemployment insurance from the catalog. You are then only deductible if, the annual contributions for health care insurance and less than 1900 € - virtually at this clientele increased. For self-employed at least 2800 € are deductible.

parents receive from the new year to more child benefit. The monthly amount increases by 20 euros to 184 euros each for the first and second child and to each 190 Euro for the third child. For the fourth and additional children each month there will be about 215 €. The child tax credit that can be used instead of the child benefit is increased to € 7008 - so far it amounts to 6024 €. Yet there is controversy over the plans with the provinces - definitely the new values are not yet.

for successions of 1 January, is a new right. The biggest advantage is that donations from deceased be flexible. The so-called reductions in the statutory share in the ten years before the succession laid down in a future rate. The longer a donation ago, the more the bottom line as a mandatory part of the previously gifted other heirs. Compulsory portion is open to direct descendants and spouses. Descendants, who lead a testator may in future be easier to get a higher inheritance. So far, it inevitably had to present the loss of revenue by limiting the working life.

addition, the exemption limits for siblings and their children - nieces and nephews - to be improved, then the plan of the Federal Government. A new sliding scale for their tax rates will reduce the tax burden. Again, the consent of the Bundesrat is on 18 December is out.

advises the German Forum for inheritance, donations to wait until the new year also. The tax rate for the class of persons in the inheritance tax class II - siblings, nephews, nieces - currently amounts to 30 percent. According to current plans, he is expected to fall to 15 percent. The new law would apply to all gifts made from 1 January will be made to.

From the beginning of a log of the investment advice is required. Dutifully contain several points are noted: the reason for the consultation, the duration of the interview, the personal situation of the client, the consultant proposed products and securities and the basic needs of the customer, is one of the Consumer Association of North Rhine-Westphalia. Legislation intended to reduce the risk of incorrect advice.

for new buildings are from 2010 to the new smart meters provision. They measure the digital consumer to the individual times of the day, consumers should be able to read the long run precisely when it will consume as much which device. Also eliminates the annual reading. Who wants to use the technology for themselves, turns to the appropriate provider - according to the Consumer can this be identical with the supplier, but need not.

In Schleswig-Holstein and Hamburg, 2010, the obligation runs to the retrofitting of homes with smoke detectors off. Within the year, the detectors are installed. In other countries it is already law, Bremen, Hesse and Rhineland-Palatinate state for long Transitions to.


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House Gran Canaria, Canary Islands: Health and Defence

Obama scores points at home

comes just before the end but no movement in the government policy of President Obama. He gets together the necessary 60 votes to bring his health care reform through the Senate. Also adopt the Senate's largest defense budget in U.S. history.

Maybe now the Senate vote is imminent on the controversial health reform. For the Obama won the party vote of the senator from Nebraska would be the decisive force through to the project. The 58 senators of the Democrats have to come with the help of two independents on the necessary majority of 60 votes to prevent a blockade of the entire Act by the Republicans.
Senator Ben Nelson of Nebraska
had initially hesitated because he had insisted on a stricter system of financing of abortions. While the deputies had strongly rejected, with her bill subsidizing abortions, provided for the current Senate proposal that women may block this action by insurance. As Senate Majority Leader Harry Reid said, the individual states may prohibit this now.

adopted by a large majority of the Senators of the defense budget of 636 billion dollars (approx. € 443 billion) for the ongoing financial year three months ago. To make it effective now only need the signature of Obama. The budget provides for expenditure of € 128.3 billion for the wars in Iraq and Afghanistan. But the U.S. government has already signaled that it will require an estimated additional 30 billion dollars after President Barack Obama recently sending 30,000 additional troops to Afghanistan had decided.



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House Gran Canaria Canary Islands: "Speak Now only not all bad"

Merkel summit as "savior"

is given strong criticism from opposition and environmental groups, the Chancellor presented the results of the World Climate Summit in Copenhagen. Merkel warns against talking to the top bad.

"Copenhagen is a first step towards a new global climate regime, no more, no less," said Angela Merkel (CDU) of the "Bild am Sonntag newspaper. Copenhagen who now speak poorly, are involved in the business of those who take slow move forward. Same time, Merkel pointed to the special responsibility of Germany for the next step in global climate protection. "On Copenhagen must be built now. This will Germany do in the conference in the middle of the year in Bonn," said Chancellor.

SPD leader Sigmar Gabriel Merkel had previously been a complicity in the failure of the climate conference. "It is a shame as the leaders of the future of their own children and grandchildren put at risk," said Gabriel. Green Party leader Claudia Roth called it a "summit of the irresponsibility and blindness of the future".

In the Bild am Sonntag "Gabriel also asked the Federal Government and the European Union, still adhere to their ambitious CO2 reduction targets. "The European Union must remain in its promise to reduce CO2 emissions by 30 percent -. Even after the failure of Copenhagen, the EU is the only way to regain lost the trust of . Companies and as quickly as possible credible a new start for a binding agreement "

same time warned Gabriel the black-yellow coalition against neglecting the climate:" The Chancellor has those in the CDU and FDP in his place, like Ruettgers and Brüderle Copenhagen will take as a cheap excuse to get out of the climate. "

have meanwhile demonstrated dozens of environmental activists in eastern Australia against the meager results of the summit. According to Australian media, they chained themselves in Newcastle at a coal freight train and prevented the onward journey. Several demonstrators were arrested.

"We are here to oppose the to to protest the failure of the UN climate talks, "said the spokesman for the activists, Steve Phillips. He also accused the United States, Australia and other rich countries," have zunichtegemacht the negotiations. The people there are suffering to witness the failure of political leaders to address the problem of climate change, Phillips.

Australia, which denies its energy needs to 86 percent by coal, has the highest per capita CO2 emissions in the world. At the same time, the country's largest coal exporter.


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Thursday, December 17, 2009

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password and EMV chip

Credit safer

After the mass Cancellation of credit cards in the recent past, confidence in their security tarnished for many bank customers. The provider and not promote the numbers on credit card by more than the safest method. Damage caused by the data leak would be taken over. And in fact the companies have started even before the data leak at a English service with the introduction of further safety standards. When paying by credit card over the Internet so that further protection walls will be confiscated. On the consumer result leading to innovations.

driving Thus, the two leading credit card providers are currently ahead of the nationwide introduction of a new method: the "MasterCard Secure Code and the Code "Verified by Visa". These are valid only for Internet payments. In addition, be equipped by the end of 2010 all credit cards with the EMV chip - and thus still be unforgeable.

The new security procedures for Internet payments shall refrain from entering a password. When shopping on the net it was finally so that the credit card the customer will not be submitted physically again, says Hugo Godschalk of the consulting firm PaySys in Frankfurt, which specializes in non-cash payments. To date only the input of the three-digit security code serves on the back of the card as an additional protection. "If the cardholder now also enter a PIN number must be that is not on the card itself, the transaction is more secure. "

the customer pays in the future with an Internet retailer of the procedure are supported, tested whether the particular card, the method also supported, .. says Stefan Marotzke of the German Savings Banks and Giro Association (DSGV) The customer will be redirected to a secure website where they are prompted to enter a password it that I had previously set itself - so it is only him and the card issuer known. "It will no longer possible to have card numbers that were picked up elsewhere, may be used fraudulently."

that He is on the trusted side of the card company, know the customer remember that the information is displayed, the only know he and his card issuer, says Marotzke. This will ensure that he is not invited to dubious sites to a password. "So far, the abuse rates in e-commerce with credit cards were always higher than in other areas, as could be done with relatively little information, a transaction." The new standard will also establish a connection between cardholders and card issuers established and verified the customer as an authorized cardholder.

for the safety of an online transaction but is also that the retailer supports the system, says Godsell. "From my experience, the make relatively few Internet providers." According to the savings banks shows a logo on the side of the online stores, whether the new technology is used. "But the card issuer, ie the bank play, must," says Godsell. For the participation of the bank was not yet voluntary.

"MasterCard Secure Code and Verified by VISA will prevail in the medium term in our estimation, but if you pay in e-commerce and in particular at the major e-commerce retailers in Europe," says Matthias Hönisch, payments expert at the Central Credit cards (ZKA). The standard ultimately create more security for the seller.

The second major innovation is the introduction of EMV chip credit cards. EMV stands for Europay, MasterCard, Visa "and is an international standard for chip card companies for processing card payments explains Hönisch. Thus, the data is not read via the card's magnetic stripe and encrypted, but on a computer chip that says Godsell. While this system in normal debit cards is already widespread, currently only about 25 percent of the credit card has such a chip. "According to a pledge by European banks but by the end of 2010 all credit cards be equipped with the EMV chip. "

also EMV chip will make it difficult for credit card fraud. For a conventional card with magnetic stripe can be duplicated with relatively simple technical equipment." A card with EMV chip copy is based on the to today's technology for a fraudster to impossible and economically not because of the great effort profitable. "

the end of 2010 to be converted all the terminals at points of acceptance to the chip acceptance in Europe, says Marotzke. This is to prevent card duplication and counterfeiting can be used . For each payment process a card authentication will be done by the combination of card and terminal.

"When it comes to credit cards but we still live in separate worlds," added Hönisch. While the European banking industry worldwide with the EMV chip has a leading role, other countries like the U.S. had not yet followed suit. So that the card is operational internationally, credit cards of European customers are first mentioned chip and magnetic stripe.


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House Gran Canaria, Canary Islands: Five years after the tsunami

Asia back on the agenda

When the tsunami devastated many coastal areas five years ago in Asia, came in addition to hundreds of thousands of locals and very many tourists died. Tourism in the popular travel destinations in Thailand and Sri Lanka after 26 December 2004 a serious future predicted. has

Half a decade later, this assumption is not confirmed: Tsunami-term consequences are felt in booking patterns are long gone, according to leading German tour operators. Also this winter, it attracts many German "cold refugees" in the rebuilt and newly built resorts on the Indian Ocean where the sea is 30 degrees is warm.

"For years" were no effects of tsunamis on the travel behavior to observe more, says Andrea Probst of Dertour and Meier's world tour in Frankfurt, the Asia travel market leader. and that only in very few cases, questions about tsunami in travel agencies, Anja Braun, complemented by the TUI. In particular, Khao Lak in Thailand, where in 2004 many German were killed, had again "established as a popular holiday destination." Similarly, the travel group Thomas Cook sees the situation in the resort north of Phuket, Khao Lak, did it again "has become one of the most important beach destinations with an excellent hotel product," said spokesman Mathias Brandes.

Who comes five years after the devastating tsunami in the region met, but still shows traces of the disaster. In southern Thailand, for example, several memorials have been erected for the victims. "One of the . Known is the Tsunami Museum on Highway 4 in Bang Niang, "said Suwalai Pinpradab, director of the Thai Tourist Office in Frankfurt, where it remained lying and the police boat, which was by the tsunami almost two kilometers carried far inland - an image that many human remains in the memory. Another memorial is shaped like a giant wave, says Pinpradab. It can be found in the "Tsunami Memorial Park in the village of Ban Nam Kem south of the town Takuapa.

in Sri Lanka to tourists visiting several memorials . A is in the Yala National Park in the southeast of the island, says Sonia Salzinger by the tourist office in the land in Munich. moreover, are to discover "very few" ruins of houses that were never rebuilt. Many beach hotels have been rebuilt but - as in Thailand. In the Destination Spa Khao Lak as it was "important for most guests, a hotel to have near the beach," says Pinpradab. An early warning system and marked escape routes in the mountains will help to prevent another disaster.

on the number of visitors of the tsunami had initially significant. In Thailand, for example, many travelers departing at that time to other parts of the country, says the Tourist Office. Sri Lanka experienced a decline in 2005 the number of German guests a good 20 percent. Later, there were fewer visitors with a German Pass, above all, probably because of the civil war situation in the country: From 2004 to 2008 the number nearly halved to just over 31,000. Since the fighting ended in May 2009, the number of visitors increase but again, it is with Sri Lanka Tourism. In November, for example, 17.5 percent more German came to the island state than in the previous month.

also to pack for the holidays, many Germans back the case to fly to Colombo and Phuket. The number of deals for Sri Lanka over Christmas and New Year lies slightly above that of 2008, in Thailand it was last year's level, Anja Braun says of the TUI. Also at Thomas Cook says that both countries were "well booked. Dertour and Meier's world travels come to Thailand and Sri Lanka so far, however, not to the number of guests from the end of 2008. But I have to do with the economic crisis, says Andrea Probst - the tsunami play in this context does not matter anymore. will continue to build


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House Gran Canaria, Canary Islands: "Crisis ended"

Dubai

Whether artificial islands or the highest skyscraper in the world: The Emirate of Dubai is famous for its spectacular building projects - and clammy, more recently, for his treasury. Nevertheless, to continue the construction work.

Dubai strives for normalcy in the debt crisis and wants to build artificial islands and fantastic sports facilities record again soon. Within months of the construction company wanted to Nakheel, a subsidiary of the ailing Dubai World, with work on the island landscape, "The World" begin, a newspaper reported. In addition, a golf course can be completed, which is named after a sex scandal in the headlines because of obscurities U.S. athletes Tiger Woods.

The Foreign Minister of the United Arab Emirates, Sheikh Abdullah bin Sayed al Nahajan, said the crisis was over anyway. Sources said two senior representatives of Dubai wanted to stay still during the day to New York in order to promote confidence in the financial strength of the Glitter emirate. Although the injection of cash in the amount of ten Billion dollars from the neighboring emirate of Abu Dhabi, the first event of the insolvency of the heavily indebted state holding company Dubai World averted. The renovation but we still need. It wants Dubai to negotiate with creditors on the restructuring of debts, including the sale of assets is tested.

The Ten-billion Dubai World syringe can service its debt to April, also comes Nakheel after his loan obligations. A report in the Financial Times suggest that the government of Dubai, Nakheel, two pay back bonds, pending the 2010 and 2011. The government is considering, in addition to access Dubai World on the ground. End of November or the government, the markets with the announcement shocked the emirate did not guarantee for the debts of the state holding company.

banks had showered Dubai's state-owned enterprises under the assumption of money that the rich emirate of Abu Dhabi intervene in the doubt and assumes the obligations. The turmoil had triggered concerns of a new wave of financial crisis. Dubai and Abu Dhabi are both parts of the United Arab Emirates, the world's third largest oil exporter. It can also access Abu Dhabi to about 90 percent in stocks, while Dubai has very little of their own oil.

The desert emirate is therefore working on alternatives. These include spectacular building projects as the tallest skyscraper in the world, gigantic shopping malls or artificial islands. However, recently the works are almost came to a halt, and is of three planned in Palm islands form only completed one. Even with the projects "The World" and "The Universe", the rest work at present. The

should soon change, however: The newspaper "The National" reported, citing a Nakheel spokesperson that about 70 percent of the 'World' islands were sold. "We expect that developers are prepared to start in the coming months with work on their islands," she said. The most prominent island Lord is the former racing driver Michael Schumacher, the island received a gift from the Emir had.

The Tiger Woods receives the other hand, an entire settlement. Despite the recent scandals feel we are obligated to complete the plant, said the development company Dubai Properties, and added the name of the project company: "Tiger Woods Dubai is not reflected to the private life of his partner." The 33-year-old athlete had come because of a sex scandal in the headlines. Woods had given his wife to have been unfaithful. Adultery is punishable in Dubai ..


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Diagram Of The Parts Of A Shoe

House Gran Canaria, Canary Islands: stock rises

Oracle better than expected

The U.S. software manufacturer again earned significantly more. Winning the SAP competitor enters the end of November concluded second quarter by 12.5 percent to nearly $ 1,460,000,000.

As the company announced after U.S. market close, and sales rose four percent to 5.86 billion U.S. dollars. Oracle President Charles Phillips said his company had taken away the main rival SAP for the fourth consecutive year market share in each world region.

Revenue from software licenses increased by two percent to 1.7 billion U.S. dollars, as revenues from the updates and services by 14 percent to 3.2 billion U.S. dollar rose.

Oracle in recent years rapidly through numerous acquisitions grown and is enterprise software to second place behind SAP. Finally, the Group announced the purchase of big American computer specialist Sun Microsystems to enhance its database business. The completion of the acquisition are still concerns of the EU Commission in your way. The Brussels competition watchdog is particularly concerned about making a dominant position in database software MySQL. You need a decision until 27 January meeting. will


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House Gran Canaria, Canary Islands: special tax on bankers' bonuses

German bank invests costs by

The financial institution the burden of the special tax for their employees' bonuses distributed in Great Britain to the entire staff. It would be unfair to treat the bankers in the United Kingdom otherwise, German Bank CEO Josef Ackermann in the interview.

It is intended to distribute the cuts to employees of Deutsche Bank worldwide, he told the Financial Times. is also possible participation of the shareholders of the cost, "added Ackermann. According to the German bank chiefs but no decision has been made to deal with the British special tax. First, observe how other banks react to the new levy.

The British government does in the future, a special tax, which is 50 percent of the premium for bank employees from a sum of 25,000 pounds (about 27,500 €) amounts. With expected revenues of more than 600 million €, the State, bringing the job market back on track. The tax is initially valid until April 2010. The financial industry had fought fiercely in the run against the levy.

wants after the British model and France introduce a special tax on bankers' bonuses. The tax should be 50 percent of the premium if they lie more than 27,500 €, said Economic and Finance Minister Christine Lagarde on Wednesday. Chancellor Angela Merkel (CDU) had described the British special tax as "a very charming idea".


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House Gran Canaria, Canary Islands: RIM & PALM

RIM Black - Palm red

contrast in the mobile industry: While the BlackBerry phones from Research in Motion (RIM) are highly profitable still, the Pocket PC pioneer Palm also writes with his new model Pre further in debt.

The BlackBerry vendor Research In Motion reported for the previous quarter earnings of $ 628,400,000 - an increase of 58.6 percent. Sales in the 28 November completed fiscal third quarter rose year on year by 41 percent to 3.92 billion U.S. dollars. RIM gained 4.4 million new customers in the particularly on the e-mail use in transit-oriented service. This makes a total of about 36 million BlackBerry users, such as RIM announced after U.S. market close.

Palm could indeed reduce its loss significantly: At $ 85,400,000 of over a half billion a year ago. At that time, however, high tax payments and development costs for the hope Palm Pre had impacted the balance sheet. Sales in the end of November ended the second quarter shrank by 59 percent to 78.1 million dollars.

Palm deposed 783 000 mobile phones, which were 41 percent more than last year. The company had in recent years lost massive market share and is essential in the success to the model pre instructed, which will compete with Apple's iPhone.


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House Gran Canaria, Canary Islands: "It is not over"

Sleepless takes place in Copenhagen

Time: Last hour until the end of the world climate summit. A mini-summit on the night brings but movement in the round - but not the longed-for breakthrough. Today, traveling to President Obama. Can he turn the rudder?

informal meeting with environment ministers and experts have new proposals for the climate summit prepared. As Danish media reported that wants to use an agreement on climate aid for developing countries over $ 100 billion (69 billion euros) annually from 2020 are being pursued.

Before the decisive Final round is movement in the world climate conference came. Informal meeting with environment ministers and experts have new proposals for the climate summit prepared. As Danish media reported that wants to use an agreement on climate aid for developing countries over $ 100 billion (69 billion euros) annually from 2020 are being pursued. At 8.00

to clock come together then the leaders and other senior representatives of more than 190 countries to conclude negotiations. Shortly

is also expected U.S. President Barack Obama in the Danish capital. Summit host Lars Lokke Rasmussen expressed his optimism. "The statesmen are to Copenhagen come with the feeling that we should achieve something significant. "

The negotiators should focus on a political declaration of some that the House should serve as a basis for negotiations. For Germany, Environment Minister Röttgen sits at the table.

The European Union had to Mini-summit invited once on Thursday, the nearly two-week UN climate negotiations on the deep divisions between developed and developing countries threatened to fail. Among the points of contention include the financing of climate action in developing countries and the reduction targets for emissions of carbon dioxide (CO2) developed countries.

The EU Council President and Swedish Prime Minister Fredrik Reinfeldt said he was confident. "It's not over yet," he said. "It was a very constructive meeting." Rasmussen also expressed his optimism: "I had the feeling that the participants here really want an agreement."

Obama spokesman Robert Gibbs made it clear that it is better from the perspective of Washington, to go to the mammoth conference without results, as a meaningless agreement. Obama will also meet for talks with Chinese Premier Wen Jiabao. As the White House in Washington announced that there is a bilateral meeting (11.00 clock) on the agenda of Obama's visit, the final day of the conference on climate change. The conflict between Washington and Beijing is considered one of the main obstacles to a comprehensive climate agreement.

Washington asked Beijing commitments for the international control of air targets, what China has in principle rejects. However, it appears the Chinese delegation head He Yafei good will. "We promise to make our actions verifiable," he said. Any international examination but had "voluntarily" take place, no one could threaten China's sovereignty.

Chancellor Angela Merkel holds to limit global warming to two degrees for the most important yardstick of the summit. "Failing that, this is for all as a valid obligation reach (...) is the climate conference in Copenhagen failed, "said Merkel.

More than 10,000 delegates are fighting for an agreement to capping the dangerous global warming to 2 degrees. Everything is beyond the IPCC considered not more manageable and affordable.

the plan to adopt a legally binding climate change treaty to replace on 1 January 2013 the Kyoto protocol and apply this time for the U.S. as well as all emerging and developing countries could be added, the international community in the face of setbacks to the preliminary for months abandoned. Instead, a politically binding agreement be signed, but already the most important should be requirements for each country and included in the following months further spun to the contract.


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Wednesday, December 16, 2009

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House Gran Canaria, Canary Islands: round instead of scheduled flights

A380 returns again to

The series of glitches with the new Super Airbus A380 does not stop an A380. Singapore Airlines had 444 passengers on the way from Paris to Singapore reversed after two hours. It had been a power failure in the kitchen, the airline said.

Passenger safety was reportedly not in danger. was already a beginning of the week A380 of Air France with 536 passengers due to a breakdown in the tank area as planned from New York to fly to Paris. Air France booked all 511 passengers to other flights.

On 30 November, must have the same A380 already reversed because of "minor problems" with the onboard computer on the route New York-Paris after a half hour flight. It was about the autopilot. In September, an Airbus A380 of Singapore Airlines had to make an emergency landing with 450 people on board because of engine damage in Paris.


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House Gran Canaria, Canary Islands: acute crisis in Copenhagen

threatens climate summit to burst

At the Copenhagen climate summit pile up immediately before the conclusion of the problems. China and Brazil to block the continuation of informal negotiations on the climate treaty and there is still no draft agreement. Today, now travel to the leaders, including U.S. President Obama and Chancellor Merkel.

From the Chinese delegation, an "operating agreement" been excluded, reported the Danish broadcasting. Beijing accounts for only a brief final statement to be possible.

declared Several representatives of developing countries, before the unsuccessful termination of the nocturnal negotiations, they felt left out and could see no point in further talks. The Danish Presidency has Against this background, present just before the penultimate draft of the trial is still no agreement on climate. It was originally announced as early as the weekend and is the basis for the final phase, with 120 leaders are.

Shortly before their departure to the climate summit will discuss Chancellor Angela Merkel in the Bundestag in a government statement, the position of Germany and the European Union. Merkel had repeatedly urged greater mitigation contributions and commitments of the United States and China to help the still faltering negotiations in the Danish capital to break through. Poorer countries with emergency aid to the EU of 7.2 billion € to be brought to make their contributions to climate protection.

Japan on Thursday announced that it will contribute to 2012 a total of 15 billion dollars (10.4 billion euros) to the international climate funds for developing countries.

In Washington, meanwhile, tried to Barack Obama before his departure to Copenhagen for a tangible result of the World Climate Summit. In telephone conversations with his Brazilian colleague Luiz Inacio Lula da Silva and Prime Minister of the Caribbean island of Grenada, Tillman Thomas, Obama tried according to the White House "to make a positive outcome in Copenhagen". The U.S. president called for an agreement at the summit. However, should Control mechanisms be established to monitor compliance with emission limits.

More and more leaders, including British Prime Minister Gordon Brown and the Norwegian Prime Minister Jens Stoltenberg expressed because of the delays and lack of progress in the talks skeptical about the prospects of success.

total 192 countries negotiate in Copenhagen. By Friday they should agree on the cornerstones of a new global climate agreement, which would replace the 2013 Kyoto Protocol to reduce dangerous greenhouse gases.

likely Under current state of negotiations, the two previous sets of negotiations in the Conference two separate agreements lead - one continues the Kyoto agreement, which the U.S. never joined and also provides for mandatory reductions of greenhouse gases for developed countries. The other strand is based on the Climate Convention in Rio de Janeiro in 1992, which includes all countries, but contains no binding commitments.

The final papers are much more spongy than the previous designs. The paper of the Maltese climate experts and UN veteran Michael Zammit Cutajar to the Convention now includes the objectives of 1, 1.5 or 2 degrees for the maximum global warming. The industrialized countries should reduce their greenhouse gas emissions by 75 to over 95 percent from 1990 to 2050, or - which is in another clip - by more than 100 percent from 1990 and 2040.


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Tuesday, December 15, 2009

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House Gran Canaria, Canary Islands: stability for women and men

Marriage does good for the soul to be married

is good for the soul. Who's under the hood is less emotionally disturbed, depressed and dependent on drugs or alcohol, discovered New Zealand researchers. Divorce or death of a spouse increases the risk significantly, however: after the end of a marriage to run ex-wives more dangerous than non-married, dependent being. Men are more often depressed after a marriage as a bachelor.

"What our study shows is, that a marriage captured the emotional health, while the disruption and suffering associated with the end of a marriage that made people more vulnerable to mood disorders, "concluded the author of the study, psychologist Kate Scott from Otago University in Wellington, . She had evaluated the results together with colleagues from studies involving more than 34,000 respondents from 15 countries

. "So far, they always said that men benefit from marriage more - As for what her mental state - as women," Scott said "This. study contradicts this: We have found that married people fare better on most mental diseases as a single people - both men and Women.


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House Gran Canaria Canary Islands: What rights do passengers?

EU publishes list

Shortly before the Christmas holidays, the EU Commission, a 12-point list of passengers' rights issued. This is the often complicated EU rules for train and passengers understand and summarized in short supply.

The campaign should highlight the people, "the rights of the European legislation gives them as a traveler," said EU Transport Commissioner Antonio Tajani in Strasbourg. is enlightened as to claims for delays or cancellation of the trip and lost luggage.

Sun tourists whose plane or train can be a long delay, the reimbursement of costs or a replacement drive demand. If the baggage is damaged, as the passengers to compensation of up to € 1223, rail passengers up to 1,300 €. Disabilities are entitled to special service.

The EU Commission issues and general recommendations: So should tourists in front of the ticket sales for travel outside Europe check whether your airline is on the "black list". Then, the EU companies for which is made of safety concerns, a flight ban in the European Union. Of these, particularly airlines from Africa and Asia are affected. The

Rights for air passengers are treated uniformly in the EU for quite some time. "These rules of the European Community have inspired governments around the world," said Tajani. "But this area is evolving constantly." He therefore announced a revision of the regulations, in particular the provisions of luggage transportation. In the next two months, first lodge travelers, travel agents and consumer protection organizations on the Internet for improvement. For train travelers are unified rights since December.


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