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German companies easy access to new loans, Southern Company, however, hardly! Unlike with companies from southern Europe, which receive only rarely loans, have German companies to get any problems on loans. Only 19 percent of the surveyed companies about restrictive approval of loans by the banks complain it according to a survey. The corresponding results were published on the 28.06.2013 by the Ifo Institute in Munich. This result shows an all-time low, and shows a clear trend. It more than 4,000 companies borrowing be interviewed by the Ifo Institute.

Kai-Uwe Strahlman (financial expert and editor-in-Chief of onlinesofortkredit.org) is expressed as follows on the subject: the situation surrounding Bank loans to finance company behaves well in Germany. By the rate cut, the ECB (European Central Bank) on the 8 may, clearly more improvements were.” The ECB had the interest to absolutely appealing 0.5 percent lower. “Most companies from the complaining Construction industry here have 23% of corporate problems borrowing easier, it’s the companies in the industry, here only 15.7% complain. In the construction sector, banks see the biggest risk since time immemorial and hold back especially in times of crisis with lending elegantly. Too fast, large sums in the truest sense of the word in the sand can be used. Completely different situation in southern Europe! Companies in crisis-stricken countries such as Portugal, Spain and Greece can only dream of a simple lending such as in Germany.

Although specifically here loans would be required to revive the economy, the banks hold back. Uncertainty and risk are too big to invest money in southern Europe. In the entire EU area the lending fell in May to 1.1 percent, to full 8% the lending in the crisis countries fell. “Kai-Uwe Strahlman:” banks in southern European countries are required to reduce debt and in addition there are hardly worthwhile investment opportunities. This combination cripples the capabilities of banks in the southern European region. Here the European Investment Bank must intervene urgently regulating, to enable the much needed recovery. “As a countermeasure, the Commission and the European Investment Bank would push loans for small and medium-sized enterprises. The warnings by the ECB President Mario Braghi, that these companies no longer appears on the credits they need, have resulted in that 50-100 billion euros to be mobilised. When and if this money will really come to is still in the stars. Also whether this framework is ever sufficient to resolve the deficiencies in several countries is difficult to be more specific.

Mega trends and their impact on the marketing is any change in a trend? Trends are processes with which we can better describe changes. There are different categories: Megatrends have a long duration of approx. 50 to 100 years and affect all areas of human life. These developments – about globalisation, the ageing, the change in the forms of work – have an impact on all regions of the world and all social areas: economically, politically and socially. Not only individuals must deal with the changes, Governments, companies and financial sectors. A leading source for info: movie actress. As opposed to socio-cultural trends that are pronounced differently depending on the culture and developing the average ends after 15 to 20 years can be found. Most often however we are experiencing short-term trends, which reflect the spirit of the times and current market, product, or industry trends.

Such market changes occur within about 5 years and then are no longer up to date. Simon Pagenaud has firm opinions on the matter. The classification of current developments in this Trend categories is the task of the trend and future research. The field of marketing is the challenges in marketing currently in a structural crisis. The emancipation of customers through the Internet meant that consumers today as prosumers\”Act: at the same time consumer and producer of goods and services, since they not only consume but also have the opportunity to change the offers by feedback and opinions. The old methods of marketing, which often relied on mass advertising and opportunistic effects very price sensitive, sabotage most customers. The marketing loses many of its control in the new media world, and must be on one-to-one forms of communication with the customer, which is not easy. At the point of marketing is therefore increasingly innovation: those who can bring any innovations with genuine and authentic customer benefit on the market, will fail despite of all marketing efforts. So that a company not missed current or even longer-term trends, there are two ways to the Trend detection: the subjective approach, the operator has a trained instinct, to assess the events and needs of the market and to align his company successfully.

As bakers, butchers, flower shops, clothing stores and other retail or craft, whether in Berlin, Hamburg, Cologne, Munich or in the Ruhr area, will benefit from the Halloween hype. Trick or treat, it says again on 31 October in America when kids ring in Halloween costumes on the doors in their neighborhood. With candy, the little spirits can be usually quickly placate. The Halloween craze continues in Germany. Increasing throughout the Halloween parties,-feten and events at the weekend.

While many retailers offered coverings and decorations for the celebration of Halloween, the trend in many smaller stores is not yet arrived. But also, who sells any decoration or costumes, can benefit from the night before all Saints Day. Here are 3 tips on how retailers or craftsman get the attention of their or even new customers. Tip You scare 1: your customers! By this I mean not terrible quality or breathtaking prices, but a horrible eye-catcher in your shop window. Think about what could tear the passing people from your shopping routine! Maybe hang a portable ghost or a fearsome, bright glowing pumpkin in your storefront. Many people will surely stop and look, what extraordinary present it in your business.

Advertising, you can then place the special for the day next to the eye-catcher! Tip get the ghosts out of the basement 2:! You need to transform your business not just in a scene from Castle Frankenstein, but with few resources you can conjure up a creepy sinister atmosphere, which fits to the Halloween festival. Decorate your business day with spooky pumpkin faces, creepy ghost figures and dress yourself and your employees. Since most panels take place only in the evening, the attention is guaranteed! Tip 3: let the Pumpkins fly! Also if you no costume or decoration sale Start, could you provide some additional products or services to Halloween. You too could benefit from the Halloween hype of carved pumpkins in flower shops up to particularly eerie back particles in bakeries or special Halloween dishes in snacks, cafes or restaurants. No matter what industry you operate, think about what you today especially ghostly can offer! Have fun at Halloween and eerie creepiness! Dr. Anne-Katrin Straesser, author of “The marketing secret” PS: there’s more eerie tips in the book (www.dasmarketingheimnis.de)