Nordea Liv & Pension s service

Størrelse: px
Starte visningen fra side:

Download "Nordea Liv & Pension s service"

Transkript

1 Our service 1

2 Nordea Liv & Pension s service We are pleased to present our service catalogue, which provides you with a general overview of Nordea Liv & Pension s advisory and service concept. Pensions made simple It is important to us that pensions are easy for everyone to understand. We always communicate at eye level with individual employees, regardless of whether we write to them, call them on the phone or meet them in person. We also focus our communication towards the company and its employees. Healthy business As a company, Nordea Liv & Pension delivers outcomes that can be measured. We generate the returns that are expected from a leading life & pension company, and we naturally offer competitive products and services. But we are also a workplace that is concerned with the health of our employees. We have now acquired so much knowledge and experience that we want to become involved in the health debate. Increased employee satisfaction and greater job satisfaction You can find more information in our magazine Sund forretning (Healthy Business), where you will also find inspiration for how to get more out of the initiatives in the form of increased employee satisfaction and greater job satisfaction. The magazine is in Danish. Kind regards, Morten Jensen Excecutive Vice President, Nordea Liv & Pension We have learned that health in the workplace has far greater potential than simply achieving reduced absenteeism. Healthy habits are also a means for the development of people. Businesses are missing out on huge potential by not investing in their employees energy. 2

3 Advisory services and case handling 5 Review meetings with the company 7 Counselling of the employees 8 Senior counselling 10 VIP counselling 11 Claims handling 12 We help take care of your employees 14 Healthy business 15 Quick assistance from the Customer Centre 16 Survey of employee satisfaction 18 Website and self-service Netpension for employees 26 Netpension Firma 27 PensionsInfo 28 Administrator Portal 29 Communication with you and your employees 31 Nyt om Liv & Pension directly to your in-box 33 Money grows on trees 34 Accounts announcement - in Danish and English 35 Knowledge sharing 37 Health in the workplace 39 3

4 4

5 Advisory services and case handling 5

6 Review meetings with the company Review meetings with the company Counselling of the employees Senior counselling VIP counselling Claims handling We help take care of your employees Healthy business Quick assistance from the Customer Centre Survey of employee satisfaction 6

7 Review meetings with the company Nordea Liv & Pension takes the initiative for review meetings with the company s management. Review meeting with the management We recommend that there should be between 6 and 12 months between each review meeting. We can always arrange an additional review meeting if necessary. At the review meeting, Nordea Liv & Pension s Senior Relationship Manager reviews a number of fixed points based on, among other things, the satisfaction survey. Fixed points at the review meeting: Results of the satisfaction survey Overview of the number of personal meetings conducted Overview of the number of cases of sick leave and the implications for the risk accounts Overview of the employees choice of insurance policies, payments and savings composition Dialogue on new target areas, such as the choice of coverage, savings composition, the DKK 100,000 limit for the annuity pension, etc. Other topics that may be relevant to discuss are: New opportunities for developing the cooperation Discussion of efforts to combat absenteeism due to illness Changes in legislation - implications for your pension agreement. Review meeting with HR and the payroll administration The review meetings with your HR and payroll administrator will be determined based on the annual plan we have prepared together. The number of meetings varies from year to year and depends on the agreed activities. The topics for discussion at the review meetings may be: Communication of health-promotional activities in the company Frequency of counselling meetings Agreement on support function for HR in relation to efforts concerning sick employees, focus on the pension scheme, etc. 7

8 Counselling of the employees Employees in the company have a permanent pension team attached, which provides the best possible basis for individual counselling. Online counselling analysis We look at the big picture when we advise the individual employee. Nordea Liv & Pension has developed a separate It-based counselling tool to enable our consultants to carry out a needs analysis at the personal meeting with the employee. Thus, the employee can immediately see, for example, how increased payments or the addition of an children s pension will affect their pension. We also conduct a risk profile analysis to identify the employee s risk tolerance in relation to investments. In this way, we ensure that each employee gets a pension solution that meets their needs. Employees who do not speak Danish can receive advice in English and additional material is arranged individually. Summary of personal meetings The employee receives a summary in their in-box a few days after the meeting. In this way, the employee obtains the best possible overview of the agreements reached at the meeting. Satisfaction survey In continuation of the personal meeting, your employees will receive an with a satisfaction survey. In this we focus on the individual employee s impression of the meeting and their pension scheme with Nordea Liv & Pension. Adjustments based on economic needs Your employees have an on-going need for advice, since economic needs and conditions change over time. While it is always possible to contact your regular pension team, our advisors will be physically present with you at regular intervals, where they will be available to your employees. 8

9 9

10 Counselling of senior employees It has been our experience that the majority of customers benefit greatly from qualified advice in good time before retirement. It is possible to adjust the pension and adapt it to your employees wishes and demands regarding their retirement. We therefore offer employees a personal meeting when they turn 54. Comprehensive advice We have a team of experienced consultants who specialize in providing advice to seniors. They can help individuals obtain an overview of the many opportunities that exist to organize their finances for their retirement as well as possible. We use a sophisticated computer tool that ensures optimal organisation of pension payments in combination with free assets. The senior advice is wide-ranging, and our discussions with employees include the following topics: Early retirement benefits Their spouse s pension situation Home equity Free assets If an employee has very specific wishes or requirements, our advisors are also able to draw on specialists at Nordea Bank. 10

11 VIP counselling We offer VIP counselling for management and selected employees with particular asset conditions. Overall pension & wealth advice By considering the overall economy the VIP consultant ensures that the employees saves for their pension in the most appropriate way. The type of savings scheme must be appropriate for the customer s risk tolerance and must be viewed in the context of the other funds that the customer has at their disposal as retirement approaches. The pension & wealth advice also takes into consideration tax optimization, the business tax regime, the possibility for a capital investment pension, asset management and inheritance. Cooperation with Nordea Bank Counselling is conducted in collaboration with experts at Nordea Bank, primarily from the Private Banking sector, if the employee has special requirements regarding e.g. investment or asset management. 11

12 Claims handling Nordea Liv & Pension places great importance on ensuring that there is close contact between your employees who are ill and our claims officers. In this way, the claims officer obtains a thorough knowledge of an employee s illness, making it easier for them to assist the individual. Personal and attentive claims handling It is important to us that your employees experience a personal and attentive claims handling process. The employee must know that they can and should always contact Nordea Liv & Pension when they need advice or if any changes occur in their illness or treatment. Relevant advice When Nordea Liv & Pension receives a notification of illness, we contact the relevant employee by telephone to confirm receipt of the notification. But, more importantly, we reassure the employee on how the insurance works and how the claim handling process will proceed. We talk with the employee about their treatment and possibly regarding their status in the municipality. 12

13 How claims handling works Nordea Liv & Pension receives a notification and sends relevant forms,etc. to the customer A declaration and a doctor s certificate are returned by the customer Health Care Advice Service telephones the customer New information is collected and received. Letter to the customer Letter to customer/employer. Payments commence The information received is assessed Authorisation/ termination of payments Letter to the customer No authorisation. Letter to the customer 13

14 We help take care of your employees Health Care Advice Service is a part of the service we provide to the company, and the counselling is available to those of your employees who have a pension plan with Nordea Liv & Pension. The Health Care Advice Service can be used by both the individual employees and by your HR department. Assistance for the company You can be continually updated regarding the new rules through our newsletter and our website. At the same time, you will have the opportunity to obtain support over the phone regarding e.g. social legislation and the use of health products, if an employee becomes ill. For example, we can help with: The rules for sickness benefit, work ability testing, rehabilitation, flexijobs and early retirement What the company should do if one of your employees become ill. Assistance for the personnel manager If any doubts arise regarding sickness benefit, work ability testing and rehabilitation rules, your personnel administration can contact Health Care Advice Service and clarify the rules. We can also help with information about: Health insurance Insurance for Certain critical illnesses Applications for premium exemption Applications for payment of coverage in connection with disability pension. Help for the individual employee In connection with any illness, we provide your employees with an overview of the social services and the public system. For example, we can help with: Counselling calls to employees who are off sick Helping employees through their illness, for example by guiding them through the public system Counselling employees about: - Sickness benefit, work ability testing, rehabilitation, flexijobs and disability pensions, and how these interact with insurance benefits - Advice on early retirement and old age pension - Advice on the use of health products. 14

15 Healthy business We have focused, with great success, on health at our own workplace at Nordea Liv & Pension. You can read about our experiences in the magazine Sund forretning. The company will receive copies of the magazine for the management, HR department, payroll/personnel administration, etc. The magazine is in Danish. We offer to engage in constructive discussion to help you get started on a healthpromotion programme for your company, and we will be happy to give your existing health-promotional initiatives a healthy boost, to give you a better return on the initiatives in the form of increased employee satisfaction and greater job satisfaction. SUND FORRETNING NORDEA LIV & PENSION Healthy business Our internal health model is based on a mutual obligation. The workplace provides the framework, but it is up to the individual employees to take personal responsibility by investing their own time and their own money in the initiatives. As a large Danish workplace, we are entitled to consider the health of our employees. We believe that it is also our duty to contribute to society by creating a framework that makes it easier for employees to make healthy choices in everyday life. In 2009, Nordea Liv & Pension won the Sundhedsprisen 2009 (2009 Health Award) for our internal health promotion programme, and in 2010 we were the first life & pension company in Denmark to be health certified by Dansk Firmaidrætsforbund (Danish Company Sports Association). Bliv inspireret til at udvikle jeres medarbejdere og styrke virksomhedens kultur Sundhed handler ikke om, hvor meget du vejer, men om, hvordan du har det Sunde vaner booster den sociale kapital Sådan kommer din virksomhed i gang 15

16 Quick assistance from the Customer Centre You are always welcome to contact your regular pension adviser or our Customer Centre, if you have any questions about the pension agreement. But the employees can also obtain quick help from our Customer Centre. The Customer Centre can help with all kinds of questions about your retirement. It may be questions about who will receive the money in the event of death, about contributions or about how the scheme can be changed. Answers within 20 seconds The Customer Centre consists of approximately 20 staff, which has extensive experience and knowledge of life and pension insurance. We receive around 175,000 calls each year, as many of our customers contact us by telephone, and they have usually had a consultant on the line within 20 seconds. Employees will often have questions related to retirement or if the employee has children, gets married or divorced. But we also get questions about the information on Netpension and the PensionsInfo portal. 16

17 17

18 Survey of employee satisfaction Nordea Liv & Pension wishes to ensure that our customers are provided with a good service and thereby increase their satisfaction with Nordea Liv & Pension as a pension provider. We therefore conduct regular customer satisfaction surveys to ensure that we are meeting our promises. The satisfaction surveys help us to adapt our counselling so that it follows the employees expectations. This also provides employees with the opportunity to express their opinion and to be heard. You will receive the results of the surveys at our review meetings, where we will also discuss the results and agree on any measures to be implemented. Overall satisfaction with Nordea Life & Pension A general satisfaction survey is carried out immediately before the review meeting with your management. The results of the survey will form the basis for some of the dialogue at the review meeting and will help to safeguard the expectations for our cooperation and partnership. An overview is provided below of the topics that will be covered by the survey. Letters Annual statement Netpension s Electronic newsletter 1 5 Very unsatisfied Very satisfied 18

19 Overall satisfaction The pension consultant s service Service provided by the Customer Centre Response times Returns Visibility at the company The pension consultant s availability Availability of the Customer Centre Peace of mind Counselling The health scheme 1 5 Very unsatisfied Very satisfied 19

20 Survey of employee satisfaction with our pension advice It is important to us that your employees always feel that they are receiving expert advice when it comes to their pension scheme. Each employee is therefore assigned a pension consultant, whom they are always welcome to contact. Counselling and follow-up are important for us. We therefore regularly assess your employees perception of our advice. After we have held personal meetings with the employees, we always ask whether they are satisfied. And they are! Last year they gave us an average grade of 4.2 on a 5-point scale for our counselling. We continuously follow-up on the feedback so that we can quickly intervene if the counselling does not live up to expectations. Satisfaction with counselling 4,2 Dialogue with the consultant 4,5 The consultant s appreciation of my needs The consultant s responses to my questions Confidence in the consultant s recommendations The counselling lived up to my expectations Satisfaction with Nordea Life & Pension as a pension provider The pension plan covers my needs 4,4 4,4 4,2 4,3 4,1 4,2 1 5 Very unsatisfied Very satisfied The results are based on responses from 3,734 customers in The results were reported at company level and are benchmarked with other companies. The results above are an average across all customers. 20

21 21

22 22

23 Website and self-service 23

24 Website and self-service Netpension for employees Netpension Firma PensionsInfo Administrator Portal 24

25 Our website provides your employees with answers to the most common questions about pension. What do you do when... Here employees are informed about what they ought to be aware of in relation to their pension scheme when changes occur in their lives, such as when they get married, move abroad or become ill. It is also here that they will find basic information when they are just beginning to save for their retirement or when they are approaching retirement age. Self-service On the website employees can calculate whether they are contributing enough to their pension, and they can get help to choose the savings model that matches their risk tolerance. This is also where the employee logs onto Netpension, our Internet self-service solution. Funds and returns In cooperation with the rest of the Nordea Group, we always provide detailed and upto-date information about the various funds where the employee can place their pension savings with us. For example, our website provides information about risk profiles, returns and costs. Useful information about the products We have gathered information about our products in a special section on the website. The explanations are set out so that the employee gets the most important information first and can easily distinguish between the products. About us You can also read more on the website about Nordea s policies regarding social and corporate responsibility and about why we invest a portion of the pension funds in forests. 25

26 Netpension for the employees Netpension is your employees pension plan online. Here, each employee can see all relevant information about their own pension plan, exactly when the need arises. General overview of the details We have divided the information into groups to make it easier for each employee to obtain a quick overview of their pension. They can also go into detail with both the figures and explanations of the various concepts, if they wish. With Netpension, the employee can see: Pension benefits Insurance benefits All costs The composition of the pension scheme Account statement Annual statement Reports to Skat (the tax authorities) Archive of previous annual statements, etc. If the employee has a Link Pension, they can even change the composition of the investments. 26

27 Netpension Firma Netpension Firma is our Internet self-service solution. Here, the company s pension manager can get an overview of your pension agreement and the possibilities it provides, as well as an overview of the individual employees and their individual pension schemes. There is also information provided about the pension manager s regular contact person at Nordea Liv & Pension. Online administration The pension manager can also manage your pension scheme via Netpension Firma. It is easy to enrol new employees and register changes to e.g. employee data, wages and pension contributions, and you can also register employees leave of absence and severance. 27

28 PensionsInfo PensionsInfo is a joint service established by more than 200 pension funds, life insurance companies, banks, savings banks and public authorities who cooperate to provide a general overview of the customer s pensions. General overview with PensionsInfo Via Netbank and Netpension, employees can access PensionsInfo. This enables them to get a complete overview of all their pension schemes in one place, wherever they may have been set up. 28

29 Administrator Portal The employees who are generally responsible for administering the company s pension agreement have their own portal: Here, the pension manager can log on to our self-service solution, Netpension Firma, and can for example add or remove employees. Useful information for administrators The Administrator Portal also provides a simple overview of what to do in relation to the pension scheme and how to help new employees, or employees who become ill, leave, take leave of absence, die, retire, become disabled or wish to pay more to their pension scheme. 29

30 30

31 Communication with you and your employees 31

32 Nyt om Liv & Pension directly to your in-box Nyt om Liv & Pension directly to your in-box Money grows on trees Accounts announcement - in Danish and English 32

33 Nyt om Liv & Pension directly to your in-box Nordea Liv & Pension publishes a monthly electronic newsletter, Nyt om Liv & Pension. We write about current issues that may affect your pension scheme. The newsletter is published in Danish. Relevant topics In an easily accessible way, we clarify for example how the tax reform or new legislation will affect the company s pension agreement and each employee s pension scheme. We also provide good advice on how best to use the new possibilities. Our investments The newsletter also includes comments from our investment department about the latest developments in the investment markets and how they affect pensions. The newsletter clearly reflects Nordea Liv & Pension s investment strategy, and together with descriptions of current market conditions, the newsletter enables everyone to keep up to date regarding their pension. The newsletter covers the following topics: News about our products and services News about pensions (such as legislation and regulations) News from the investment markets Interviews with experts Customer histories. Sign up Receive clear information about the pensions sector by signing up on the website: 33

34 Money grows on trees For a customer to be satisfied with their pension scheme, it must be tangible and easy to understand. 63% of Danes are unaware of how their pension savings are invested, and of these, 65% would like to know how the investments are distributed. We have therefore produced a film about our investment in forestry. Investment in forestry Forestry benefits both the economy and the environment. And over time, you can look forward to returns that are very different from the return on investments in securities. Forestry is therefore both a means of reducing the investment risks and a perfect match for a pension company. Nordea Liv & Pension has for many years been one of Denmark s largest investors in forestry. Watch the film on our website: 34

35 Accounts statements - in Danish and English Nordea Liv & Pension publishes its accounts statements in accordance with Danish law. Accounts statements for international companies Accounts statements are published quarterly. These statements cover our own accounts and provide relevant key figures. We also provide an overview of the current status of the pension market. The accounts statements include the following: Information about bonus reserves and bonus ratios Return on market interest products and in Pension med gennemsnitsrente Account interest Taxation Counselling for our pension customers. Since many of our customers are large international companies, we make our statements of accounts available on our website in both Danish and English. In this way, we ensure that all employees have the opportunity to keep themselves updated. REGNSKABSMEDDELELSE REGNSKABSMEDDELELSE REGNSKABSMEDDELELSE APRIL 2010 APRIL 2010 SIDE 3 APRIL 2010 SIDE 2 regnskabsmeddelelse APRIL 2010 Nordea Liv & Pension er fortsat et af de mest solide pensionsselskaber i Danmark." Solide bonusreserver giver højere kontorente Nordea Liv & Pension afdækker sine valutarisici, hvilket havde en negativ påvirkning af investeringsafkastet i 1. kvartal med mellem 0,5 2,8% afhængigt af den valgte fond." Afkast på 3,7% i Pension med gennemsnitsrente Fortsat stigning i bonusreserverne til 4,4 mia. kroner svarende til en bonusgrad på 4,7% Kontorenten forhøjes til 3,75% p.a. Fortsat flot udvikling i bonusreserverne Bonusreserverne udviklede sig positivt i 1. kvartal 2010, og udgjorde 4,4 mia. kroner, hvilket svarer til en bonusgrad på 4,7%. Som det eneste selskab oplyser Nordea Liv & Pension 4 gange årligt om det aktuelle niveau for bonusgraden for både nye og eksisterende kunder. Udviklingen i bonusgraden 6,0% 5,0% 4,0% 3,0% 2,0% 1,0% 0,0% 0,9% 4. kvartal ,8% 1. kvartal ,1% 2. kvartal ,4% 3. kvartal ,5% Godt afkast i Pension med gennemsnitsrente 4. kvartal 2009 Et generelt rentefald samt den store andel af investeringer med stort afkastpotentiale medvirkede til, at Nordea Liv & Pension i 1. kvartal 2010 opnåede et afkast på 3,7% i Pension med gennemsnitsrente, hvilket svarer til 14,8% omregnet til årligt afkast. Markedsrenteprodukterne Nordea Link og Vækstpension gav i 1. kvartal et afkast på mellem 1,7 og 7,0%. Højest afkast fik kunder med Bankvalg Pension Høj risiko. Blandt andet har krisen i Grækenland lagt pres på den europæiske økonomi. Det påvirkede euroen og dermed også den danske krone negativt. Nordea Liv & Pension afdækker sine valutarisici, hvilket havde en negativ påvirkning af investeringsafkastet i 1. kvartal med mellem 0,5-2,8% afhængigt af den valgte fond. Over tid udlignes effekten af denne afdækning og bevirker, at afkastene udvikler sig mere stabilt. 4,7% Afkast i % 8,0% 7,0% 6,0% 5,0% 4,0% 3,0% 2,0% 1,0% 0,0% 3,7% Pension med gennemsnitsrente Den finansielle situation i Nordea Liv & Pension er imidlertid så solid, at det vil være forkert ikke at give kunderne andel heri." Afkast på mellem 1,7 7,0% i markedsrenteprodukterne Usikkerhed om udligningsskatten Nuanceret rådgivning til pensionskunderne Nordea Liv & Pension er fortsat et af de mest solide pensionsselskaber i Danmark. Den stigende bonusgrad tillader Nordea Liv & Pension at have 34% af aktiverne i Pension med gennemsnitsrente placeret i investeringer med højere afkastpotentiale. Disse består af aktier, ejendomme og alternative investeringer. 1. kvartal ,0% 2,3% 1,7% Vækstpension - Kort Vækstpension - Lang * IB = Investeringsbegrænset Kontorenten forhøjes pr. 1. juni 2010 Sammensætningen af aktiverne i Pension med gennemsnitsrente Pr. 1. juni 2010 forhøjer Nordea Liv & Pension kontorenten med 0,51 procentpoint til 3,75%. Kontorenten er gældende indtil videre. Nuanceret rådgivning i Nordea Liv & Pension Medierne beskæftigede sig i 1. kvartal med pensionsselskabernes rådgivning i forbindelse med pensionskundernes valg af opsparingsprodukt. I Nordea Liv & Pension findes der ingen standardanbefalinger, og det er kunden, som vælger enten et af markedsrenteprodukterne eller Pension med gennemsnitsrente på baggrund af en individuel rådgivning. God bundlinje Kunderne informeres om fordele og ulemper ved såvel markedsrenteprodukterne som ydelsesgarantien i Pension med gennemsnitsrente. Opgaven er at sikre, at kunden har et ordentligt og veloplyst grundlag at træffe sit valg på. Nordea Liv & Pension kom tilfredsstillende ud af 1. kvartal med et overskud på 199 mio. kroner før skat. Overskuddet fremkommer på baggrund af et solidt investeringsafkast og et tilfredsstillende omkostnings- og risikoresultat. Usikkerhed om udligningsskatten I 2008 besluttede Nordea Liv & Pension at gå forsigtigt frem som følge af den finansielle krise. Til trods for en større De 3 første måneder af 2010 gav et fald stabilitet i økonomien, er den finansielle på 5% i de løbende pensionsindbetalinger. krise endnu ikke ovre, og der er fortsat Vi kan nu se konsekvenserne af skattereformen, og det tyder på, at skattereformen grund til at gå forsigtigt frem. Den finansielle situation i Nordea Liv & Pension er sammen med det stigende antal ledige imidlertid så solid, at det vil være forkert påvirker pensionsindbetalingerne negativt. ikke at give kunderne andel heri. Derfor Ikke mindst usikkerheden om udligningsskatten havde stor negativ indvirkning hæves kontorenten til 3,75% med respekt for de opnåede afkast og selskabets bonusreserve. På trods af at skyggekontoen er Derfor er vi positive overfor, at der nu er på pensionsindbetalingerne i 1. kvartal. fuldt udlignet, er bonusreserverne vokset til en løsning. Vi er kede af, at nye pensionsindbetalinger er omfattet af aftalen, men 4,4 mia. kroner svarende til en bonusgrad på 4,7% siger administrerende direktør omvendt er vi tilfredse med, at udligningsskatten udfases over 9 år. Endelig er vi Steen Michael Erichsen fra Nordea Liv & Pension. meget tilfredse med, at usikkerheden nu er afsluttet siger Steen Michael Erichsen. Kontorenten er fastsat i overensstemmelse med stabilitetsaftalen mellem Økonomi- & Erhvervsministeriet og pensionsbranchen. 2,2% Link Lav IB* Link Mellem IB* 2,9% 3,6% Aktier 9,0% Likvider 4,0% Ejendomme 14,0% Obligationer 63,0% Alternative investeringer 10,0% Link Lav Link Mellem Link Høj Link Aktier 4,1% 4,2% 4,3% Bankpulje Lav Bankpulje Mellem Bankpulje Høj 5,7% Hoved- og nøgletal 1. kvartal kvartal 2009 Hovedtal Bruttopræmier Løbende præmier Indskud Mio.kr Bruttopræmier i alt Heraf investeringskontrakter 8 6 Forsikringsteknisk resultat livsforsikring Resultat syge- og ulykkesforsikring Egenkapitalens investeringsafkast Andre indtægter Resultat før skat Periodens resultat efter skat Aktiver i alt Egenkapital Hensættelser til forsikrings- og investeringskontrakter Heraf kollektivt bonuspotentiale Nøgletal Pct Investeringsafkast før PAL (pension med gennemsnitsrente) 3,7 Afkast af aktiver og passiver set under ét Omkostningsprocent af præmier 2,9 1,2 8,4 1,6 7,4 7,0% xxx xxx xxx xxx xxx xxx xxx Bonusgrad 4,7 1,8 xxx xxx xxx xxx xxx SIDE 4 35

Vores mange brugere på musskema.dk er rigtig gode til at komme med kvalificerede ønsker og behov.

Vores mange brugere på musskema.dk er rigtig gode til at komme med kvalificerede ønsker og behov. På dansk/in Danish: Aarhus d. 10. januar 2013/ the 10 th of January 2013 Kære alle Chefer i MUS-regi! Vores mange brugere på musskema.dk er rigtig gode til at komme med kvalificerede ønsker og behov. Og

Læs mere

Engelsk. Niveau C. De Merkantile Erhvervsuddannelser September 2005. Casebaseret eksamen. www.jysk.dk og www.jysk.com.

Engelsk. Niveau C. De Merkantile Erhvervsuddannelser September 2005. Casebaseret eksamen. www.jysk.dk og www.jysk.com. 052430_EngelskC 08/09/05 13:29 Side 1 De Merkantile Erhvervsuddannelser September 2005 Side 1 af 4 sider Casebaseret eksamen Engelsk Niveau C www.jysk.dk og www.jysk.com Indhold: Opgave 1 Presentation

Læs mere

Engelsk. Niveau D. De Merkantile Erhvervsuddannelser September Casebaseret eksamen. og

Engelsk. Niveau D. De Merkantile Erhvervsuddannelser September Casebaseret eksamen.  og 052431_EngelskD 08/09/05 13:29 Side 1 De Merkantile Erhvervsuddannelser September 2005 Side 1 af 4 sider Casebaseret eksamen Engelsk Niveau D www.jysk.dk og www.jysk.com Indhold: Opgave 1 Presentation

Læs mere

Sport for the elderly

Sport for the elderly Sport for the elderly - Teenagers of the future Play the Game 2013 Aarhus, 29 October 2013 Ditte Toft Danish Institute for Sports Studies +45 3266 1037 ditte.toft@idan.dk A growing group in the population

Læs mere

From innovation to market

From innovation to market Nupark Accelerace From innovation to market Public money Accelerace VC Private Equity Stock market Available capital BA 2 What is Nupark Accelerace Hands-on investment and business developmentprograms

Læs mere

Trolling Master Bornholm 2015

Trolling Master Bornholm 2015 Trolling Master Bornholm 2015 (English version further down) Panorama billede fra starten den første dag i 2014 Michael Koldtoft fra Trolling Centrum har brugt lidt tid på at arbejde med billederne fra

Læs mere

NOTIFICATION. - An expression of care

NOTIFICATION. - An expression of care NOTIFICATION - An expression of care Professionals who work with children and young people have a special responsibility to ensure that children who show signs of failure to thrive get the wright help.

Læs mere

Appendix 1: Interview guide Maria og Kristian Lundgaard-Karlshøj, Ausumgaard

Appendix 1: Interview guide Maria og Kristian Lundgaard-Karlshøj, Ausumgaard Appendix 1: Interview guide Maria og Kristian Lundgaard-Karlshøj, Ausumgaard Fortæl om Ausumgaard s historie Der er hele tiden snak om værdier, men hvad er det for nogle værdier? uddyb forklar definer

Læs mere

Financial Literacy among 5-7 years old children

Financial Literacy among 5-7 years old children Financial Literacy among 5-7 years old children -based on a market research survey among the parents in Denmark, Sweden, Norway, Finland, Northern Ireland and Republic of Ireland Page 1 Purpose of the

Læs mere

Userguide. NN Markedsdata. for. Microsoft Dynamics CRM 2011. v. 1.0

Userguide. NN Markedsdata. for. Microsoft Dynamics CRM 2011. v. 1.0 Userguide NN Markedsdata for Microsoft Dynamics CRM 2011 v. 1.0 NN Markedsdata www. Introduction Navne & Numre Web Services for Microsoft Dynamics CRM hereafter termed NN-DynCRM enable integration to Microsoft

Læs mere

1 s01 - Jeg har generelt været tilfreds med praktikopholdet

1 s01 - Jeg har generelt været tilfreds med praktikopholdet Praktikevaluering Studerende (Internship evaluation Student) Husk at trykke "Send (Submit)" nederst (Remember to click "Send (Submit)" below - The questions are translated into English below each of the

Læs mere

DK - Quick Text Translation. HEYYER Net Promoter System Magento extension

DK - Quick Text Translation. HEYYER Net Promoter System Magento extension DK - Quick Text Translation HEYYER Net Promoter System Magento extension Version 1.0 15-11-2013 HEYYER / Email Templates Invitation Email Template Invitation Email English Dansk Title Invitation Email

Læs mere

Trolling Master Bornholm 2013

Trolling Master Bornholm 2013 Trolling Master Bornholm 2013 (English version further down) Tilmeldingen åbner om to uger Mandag den 3. december kl. 8.00 åbner tilmeldingen til Trolling Master Bornholm 2013. Vi har flere tilmeldinger

Læs mere

Are you hiring Newcomers?

Are you hiring Newcomers? Are you hiring Newcomers? Newcomer Service offers free support You are welcome to contact Newcomer Service when you wish to: Forward information on life in Esbjerg to attract newcomers Receive advise on

Læs mere

We hope you have enjoyed your holiday and that you are willing to help us improve our holiday support programme by completing this questionnaire.

We hope you have enjoyed your holiday and that you are willing to help us improve our holiday support programme by completing this questionnaire. Dear holiday-maker We hope you have enjoyed your holiday and that you are willing to help us improve our holiday support programme by completing this questionnaire. The information and answers you provide

Læs mere

Danske Bank Leadership Communication

Danske Bank Leadership Communication Danske Bank Leadership Communication Morten Dal - Chief Communications Advisor Info-netværkskonferencen 7.- 8. oktober Munkebjerg Hotel Vejle 09-10-2013 2 3 3 Agenda slide Background MOVE Feedback reports

Læs mere

The X Factor. Målgruppe. Læringsmål. Introduktion til læreren klasse & ungdomsuddannelser Engelskundervisningen

The X Factor. Målgruppe. Læringsmål. Introduktion til læreren klasse & ungdomsuddannelser Engelskundervisningen The X Factor Målgruppe 7-10 klasse & ungdomsuddannelser Engelskundervisningen Læringsmål Eleven kan give sammenhængende fremstillinger på basis af indhentede informationer Eleven har viden om at søge og

Læs mere

Bilag. Resume. Side 1 af 12

Bilag. Resume. Side 1 af 12 Bilag Resume I denne opgave, lægges der fokus på unge og ensomhed gennem sociale medier. Vi har i denne opgave valgt at benytte Facebook som det sociale medie vi ligger fokus på, da det er det største

Læs mere

Sikkerhed & Revision 2013

Sikkerhed & Revision 2013 Sikkerhed & Revision 2013 Samarbejde mellem intern revisor og ekstern revisor - og ISA 610 v/ Dorthe Tolborg Regional Chief Auditor, Codan Group og formand for IIA DK RSA REPRESENTATION WORLD WIDE 300

Læs mere

SAS Corporate Program Website

SAS Corporate Program Website SAS Corporate Program Website Dear user We have developed SAS Corporate Program Website to make the administration of your company's travel activities easier. You can read about it in this booklet, which

Læs mere

Design til digitale kommunikationsplatforme-f2013

Design til digitale kommunikationsplatforme-f2013 E-travellbook Design til digitale kommunikationsplatforme-f2013 ITU 22.05.2013 Dreamers Lana Grunwald - svetlana.grunwald@gmail.com Iya Murash-Millo - iyam@itu.dk Hiwa Mansurbeg - hiwm@itu.dk Jørgen K.

Læs mere

Elite sports stadium requirements - views from Danish municipalities

Elite sports stadium requirements - views from Danish municipalities Elite sports stadium requirements - views from Danish municipalities JENS ALM Ph.d. student Malmö University jens.alm@mah.se Analyst Danish Institute for Sports Studies jens.alm@idan.dk Background Definitions

Læs mere

ATEX direktivet. Vedligeholdelse af ATEX certifikater mv. Steen Christensen stec@teknologisk.dk www.atexdirektivet.

ATEX direktivet. Vedligeholdelse af ATEX certifikater mv. Steen Christensen stec@teknologisk.dk www.atexdirektivet. ATEX direktivet Vedligeholdelse af ATEX certifikater mv. Steen Christensen stec@teknologisk.dk www.atexdirektivet.dk tlf: 7220 2693 Vedligeholdelse af Certifikater / tekniske dossier / overensstemmelseserklæringen.

Læs mere

Nyhedsmail, december 2013 (scroll down for English version)

Nyhedsmail, december 2013 (scroll down for English version) Nyhedsmail, december 2013 (scroll down for English version) Kære Omdeler Julen venter rundt om hjørnet. Og netop julen er årsagen til, at NORDJYSKE Distributions mange omdelere har ekstra travlt med at

Læs mere

Projektledelse i praksis

Projektledelse i praksis Projektledelse i praksis - Hvordan skaber man (grundlaget) for gode beslutninger? Martin Malis Business Consulting, NNIT mtmi@nnit.com 20. maj, 2010 Agenda Project Governance Portfolio Management Project

Læs mere

Must I be a registered company in Denmark? That is not required. Both Danish and foreign companies can trade at Gaspoint Nordic.

Must I be a registered company in Denmark? That is not required. Both Danish and foreign companies can trade at Gaspoint Nordic. General Questions What kind of information do you need before I can start trading? Please visit our webpage www.gaspointnordic.com under the heading How to become a participant Is it possible to trade

Læs mere

BILAG 8.1.B TIL VEDTÆGTER FOR EXHIBIT 8.1.B TO THE ARTICLES OF ASSOCIATION FOR

BILAG 8.1.B TIL VEDTÆGTER FOR EXHIBIT 8.1.B TO THE ARTICLES OF ASSOCIATION FOR BILAG 8.1.B TIL VEDTÆGTER FOR ZEALAND PHARMA A/S EXHIBIT 8.1.B TO THE ARTICLES OF ASSOCIATION FOR ZEALAND PHARMA A/S INDHOLDSFORTEGNELSE/TABLE OF CONTENTS 1 FORMÅL... 3 1 PURPOSE... 3 2 TILDELING AF WARRANTS...

Læs mere

Trolling Master Bornholm 2016 Nyhedsbrev nr. 3

Trolling Master Bornholm 2016 Nyhedsbrev nr. 3 Trolling Master Bornholm 2016 Nyhedsbrev nr. 3 English version further down Den første dag i Bornholmerlaks konkurrencen Formanden for Bornholms Trollingklub, Anders Schou Jensen (og meddomer i TMB) fik

Læs mere

Strategic Capital ApS has requested Danionics A/S to make the following announcement prior to the annual general meeting on 23 April 2013:

Strategic Capital ApS has requested Danionics A/S to make the following announcement prior to the annual general meeting on 23 April 2013: Copenhagen, 23 April 2013 Announcement No. 9/2013 Danionics A/S Dr. Tværgade 9, 1. DK 1302 Copenhagen K, Denmark Tel: +45 88 91 98 70 Fax: +45 88 91 98 01 E-mail: investor@danionics.dk Website: www.danionics.dk

Læs mere

Bookingmuligheder for professionelle brugere i Dansehallerne 2015-16

Bookingmuligheder for professionelle brugere i Dansehallerne 2015-16 Bookingmuligheder for professionelle brugere i Dansehallerne 2015-16 Modtager man økonomisk støtte til et danseprojekt, har en premieredato og er professionel bruger af Dansehallerne har man mulighed for

Læs mere

Eksempel på eksamensspørgsmål til caseeksamen

Eksempel på eksamensspørgsmål til caseeksamen Eksempel på eksamensspørgsmål til caseeksamen Engelsk niveau E, TIVOLI 2004/2005: in a British traveller s magazine. Make an advertisement presenting Tivoli as an amusement park. In your advertisement,

Læs mere

Ophavsrettens betydning for digital innovation og vækst

Ophavsrettens betydning for digital innovation og vækst Kulturudvalget 2013-14 KUU Alm.del Bilag 195 Offentligt Ophavsrettens betydning for digital innovation og vækst Folketingets Kulturudvalgs høring 24. september 2014 Peter Schønning Mit oplæg Relationship

Læs mere

Subject to terms and conditions. WEEK Type Price EUR WEEK Type Price EUR WEEK Type Price EUR WEEK Type Price EUR

Subject to terms and conditions. WEEK Type Price EUR WEEK Type Price EUR WEEK Type Price EUR WEEK Type Price EUR ITSO SERVICE OFFICE Weeks for Sale 31/05/2015 m: +34 636 277 307 w: clublasanta-timeshare.com e: roger@clublasanta.com See colour key sheet news: rogercls.blogspot.com Subject to terms and conditions THURSDAY

Læs mere

Experience. Knowledge. Business. Across media and regions.

Experience. Knowledge. Business. Across media and regions. Experience. Knowledge. Business. Across media and regions. 1 SPOT Music. Film. Interactive. Velkommen. Program. - Introduktion - Formål og muligheder - Målgruppen - Udfordringerne vi har identificeret

Læs mere

Brug sømbrættet til at lave sjove figurer. Lav fx: Få de andre til at gætte, hvad du har lavet. Use the nail board to make funny shapes.

Brug sømbrættet til at lave sjove figurer. Lav fx: Få de andre til at gætte, hvad du har lavet. Use the nail board to make funny shapes. Brug sømbrættet til at lave sjove figurer. Lav f: Et dannebrogsflag Et hus med tag, vinduer og dør En fugl En bil En blomst Få de andre til at gætte, hvad du har lavet. Use the nail board to make funn

Læs mere

To the reader: Information regarding this document

To the reader: Information regarding this document To the reader: Information regarding this document All text to be shown to respondents in this study is going to be in Danish. The Danish version of the text (the one, respondents are going to see) appears

Læs mere

Improving data services by creating a question database. Nanna Floor Clausen Danish Data Archives

Improving data services by creating a question database. Nanna Floor Clausen Danish Data Archives Improving data services by creating a question database Nanna Floor Clausen Danish Data Archives Background Pressure on the students Decrease in response rates The users want more Why a question database?

Læs mere

JOHN LENNON (DANISH EDITION) BY CYNTHIA LENNON

JOHN LENNON (DANISH EDITION) BY CYNTHIA LENNON JOHN LENNON (DANISH EDITION) BY CYNTHIA LENNON READ ONLINE AND DOWNLOAD EBOOK : JOHN LENNON (DANISH EDITION) BY CYNTHIA LENNON Click button to download this ebook READ ONLINE AND DOWNLOAD JOHN LENNON (DANISH

Læs mere

Danish Language Course for International University Students Copenhagen, 12 July 1 August Application form

Danish Language Course for International University Students Copenhagen, 12 July 1 August Application form Danish Language Course for International University Students Copenhagen, 12 July 1 August 2017 Application form Must be completed on the computer in Danish or English All fields are mandatory PERSONLIGE

Læs mere

Kommune og Amts Revision Danmark Statsautoriseret Revisionsaktieselskab

Kommune og Amts Revision Danmark Statsautoriseret Revisionsaktieselskab Kommune og Amts Revision Danmark Statsautoriseret Revisionsaktieselskab RESULTATOPGØRELSE 1. JANUAR - 31. DECEMBER Note 23 Nettoomsætning Andre eksterne omkostninger Bruttoresultat 1 Afskrivninger Resultat

Læs mere

Fag: Engelsk Niveau E Casearbejdsdag 12-01-2015

Fag: Engelsk Niveau E Casearbejdsdag 12-01-2015 De merkantile Erhvervsuddannelser Januar 2015 Casebaseret eksamen Fag: Engelsk Niveau E Casearbejdsdag 12-01-2015 All information needed for this case is available at: http://www.emu.dk/soegning?f%5b0%5d=field_omraade%3a5463&f%5b1%5d=field_fag1%3a13

Læs mere

Unitel EDI MT940 June 2010. Based on: SWIFT Standards - Category 9 MT940 Customer Statement Message (January 2004)

Unitel EDI MT940 June 2010. Based on: SWIFT Standards - Category 9 MT940 Customer Statement Message (January 2004) Unitel EDI MT940 June 2010 Based on: SWIFT Standards - Category 9 MT940 Customer Statement Message (January 2004) Contents 1. Introduction...3 2. General...3 3. Description of the MT940 message...3 3.1.

Læs mere

International Community. Fyrtårnet for international arbejdskraft og deres familier i Business Region Aarhus

International Community. Fyrtårnet for international arbejdskraft og deres familier i Business Region Aarhus Fyrtårnet for international arbejdskraft og deres familier i Business Region Aarhus International Community er Netværket for udenlandske medarbejdere og deres medfølgende familier i Østjylland Serviceportalen

Læs mere

Den uddannede har viden om: Den uddannede kan:

Den uddannede har viden om: Den uddannede kan: Den uddannede har viden om: Den uddannede kan: Den uddannede kan: Den studerende har udviklingsbaseret viden om og forståelse for Den studerende kan Den studerende kan Den studerende har udviklingsbaseret

Læs mere

Methods to increase qualifications for energy savings in buildings

Methods to increase qualifications for energy savings in buildings Methods to increase qualifications for energy savings in buildings By Iben Østergaard The Danish government has a goal 2025 decrease 25 % RE from 19 to 30 % One tool is the national Knowledge Centre for

Læs mere

Trolling Master Bornholm 2014

Trolling Master Bornholm 2014 Trolling Master Bornholm 2014 (English version further down) Den ny havn i Tejn Havn Bornholms Regionskommune er gået i gang med at udvide Tejn Havn, og det er med til at gøre det muligt, at vi kan være

Læs mere

Nyhedsmail, november 2013 (scroll down for English version)

Nyhedsmail, november 2013 (scroll down for English version) Nyhedsmail, november 2013 (scroll down for English version) Kære Omdeler Uret er stillet til vintertid, og antallet af lyse timer i døgnet er fortsat faldende. Vintermørket er kort sagt over os, og det

Læs mere

Feedback Informed Treatment

Feedback Informed Treatment Feedback Informed Treatment Feedback Informed Treatment Principles: Couples, Families, Groups, and Mandated Clients Where is the distress? To whom does the feedback refer? Multiple voices in the room Systemic

Læs mere

Trolling Master Bornholm 2016 Nyhedsbrev nr. 7

Trolling Master Bornholm 2016 Nyhedsbrev nr. 7 Trolling Master Bornholm 2016 Nyhedsbrev nr. 7 English version further down Så var det omsider fiskevejr En af dem, der kom på vandet i en af hullerne, mellem den hårde vestenvind var Lejf K. Pedersen,

Læs mere

GUIDE TIL BREVSKRIVNING

GUIDE TIL BREVSKRIVNING GUIDE TIL BREVSKRIVNING APPELBREVE Formålet med at skrive et appelbrev er at få modtageren til at overholde menneskerettighederne. Det er en god idé at lægge vægt på modtagerens forpligtelser over for

Læs mere

Virk.dk. A one-stop-shop for businesses. Peter Bay Kirkegaard, pbk@eogs.dk Special Advisor Danish Commerce and Companies Agency

Virk.dk. A one-stop-shop for businesses. Peter Bay Kirkegaard, pbk@eogs.dk Special Advisor Danish Commerce and Companies Agency Virk.dk A one-stop-shop for businesses Peter Bay Kirkegaard, pbk@eogs.dk Special Advisor Danish Commerce and Companies Agency Agenda Background Status Future 16-10-2007 2 Virk.dk 16-10-2007 3 Vision Political

Læs mere

SEPA Direct Debit. Mandat Vejledning 2013.03.15. Nets Lautrupbjerg 10 DK-2750 Ballerup

SEPA Direct Debit. Mandat Vejledning 2013.03.15. Nets Lautrupbjerg 10 DK-2750 Ballerup SEPA Direct Debit Mandat Vejledning 2013.03.15 Nets Lautrupbjerg 10 DK-2750 Ballerup Indholdsfortegnelse 1. Indledning... 3 1.1 Tilknyttet dokumentation... 3 1.2 Kontakt til Nets... 3 2. Krav til SEPA

Læs mere

Managing stakeholders on major projects. - Learnings from Odense Letbane. Benthe Vestergård Communication director Odense Letbane P/S

Managing stakeholders on major projects. - Learnings from Odense Letbane. Benthe Vestergård Communication director Odense Letbane P/S Managing stakeholders on major projects - Learnings from Odense Letbane Benthe Vestergård Communication director Odense Letbane P/S Light Rail Day, Bergen 15 November 2016 Slide om Odense Nedenstående

Læs mere

Leverandørdialog. R2 Group A/S. R2 Group A/S. Nøglen til at være REACH parat V. Jan Skov Nørby

Leverandørdialog. R2 Group A/S. R2 Group A/S. Nøglen til at være REACH parat V. Jan Skov Nørby Leverandørdialog Nøglen til at være REACH parat V. Jan Skov Nørby R2 Group A/S Slide 1 Leverandørdialog 30-01-2008 R2 Group A/S Handels- og distributions-virksomhed (80%) Produktion (20%) Foder og fødevarer

Læs mere

Appendix. Side 1 af 13

Appendix. Side 1 af 13 Appendix Side 1 af 13 Indhold Appendix... 3 A: Interview Guides... 3 1. English Version: Rasmus Ankær Christensen and Hanne Krabbe... 3 2. Dansk Oversættelse - Rasmus Ankær Christensen og Hanne Krabbe...

Læs mere

Trolling Master Bornholm 2016 Nyhedsbrev nr. 6

Trolling Master Bornholm 2016 Nyhedsbrev nr. 6 Trolling Master Bornholm 2016 Nyhedsbrev nr. 6 English version further down Johnny Nielsen med 8,6 kg laks Laksen blev fanget seks sømil ud for Tejn. Det var faktisk dobbelthug, så et kig ned i køletasken

Læs mere

Trolling Master Bornholm 2013

Trolling Master Bornholm 2013 Trolling Master Bornholm 2013 (English version further down) Tilmeldingerne til 2013 I dag nåede vi op på 77 tilmeldte både. Det er lidt lavere end samme tidspunkt sidste år. Til gengæld er det glædeligt,

Læs mere

Danish Language Course for Foreign University Students Copenhagen, 13 July 2 August 2016 Advanced, medium and beginner s level.

Danish Language Course for Foreign University Students Copenhagen, 13 July 2 August 2016 Advanced, medium and beginner s level. Danish Language Course for Foreign University Students Copenhagen, 13 July 2 August 2016 Advanced, medium and beginner s level Application form Must be completed on the computer in Danish or English All

Læs mere

CLAIMFORM ILLNESS/CONDITION

CLAIMFORM ILLNESS/CONDITION CLAIMFORM ILLNESS/CONDITION HEALTH INSURANCE - PSYCHOLOGIST Danica Pension Parallelvej 17 DK-2800 Kgs. Lyngby Denmark Telephone +45 70 11 25 25 Policy Name CPR. Address Tel. Mobile To be filled in by the

Læs mere

Praktikevaluering Studerende (Internship evaluation Student)

Praktikevaluering Studerende (Internship evaluation Student) Praktikevaluering Studerende (Internship evaluation Student) Husk at trykke "Send (Submit)" nederst (Remember to click "Send (Submit)" below - The questions are translated into English below each of the

Læs mere

Læs venligst Beboer information om projekt vandskade - sikring i 2015/2016

Læs venligst Beboer information om projekt vandskade - sikring i 2015/2016 Læs venligst Beboer information om projekt vandskade - sikring i 2015/2016 Vi er nødsaget til at få adgang til din lejlighed!! Hvis Kridahl (VVS firma) har bedt om adgang til din/jeres lejlighed og nøgler,

Læs mere

The River Underground, Additional Work

The River Underground, Additional Work 39 (104) The River Underground, Additional Work The River Underground Crosswords Across 1 Another word for "hard to cope with", "unendurable", "insufferable" (10) 5 Another word for "think", "believe",

Læs mere

USERTEC USER PRACTICES, TECHNOLOGIES AND RESIDENTIAL ENERGY CONSUMPTION

USERTEC USER PRACTICES, TECHNOLOGIES AND RESIDENTIAL ENERGY CONSUMPTION USERTEC USER PRACTICES, TECHNOLOGIES AND RESIDENTIAL ENERGY CONSUMPTION P E R H E I S E L BERG I N S T I T U T F OR BYGGERI OG A N L Æ G BEREGNEDE OG FAKTISKE FORBRUG I BOLIGER Fra SBi rapport 2016:09

Læs mere

Semco Maritime - Vækst under vanskelige vilkår. Offshoredag 2009 Vice President Hans-Peter Jørgensen

Semco Maritime - Vækst under vanskelige vilkår. Offshoredag 2009 Vice President Hans-Peter Jørgensen Semco Maritime - Vækst under vanskelige vilkår Offshoredag 2009 Vice President Hans-Peter Jørgensen Agenda Semco Maritime forretningen Vækst via internationalisering Fremtidig vækststrategi Konsekvenser

Læs mere

Measuring the Impact of Bicycle Marketing Messages. Thomas Krag Mobility Advice Trafikdage i Aalborg, 27.08.2013

Measuring the Impact of Bicycle Marketing Messages. Thomas Krag Mobility Advice Trafikdage i Aalborg, 27.08.2013 Measuring the Impact of Bicycle Marketing Messages Thomas Krag Mobility Advice Trafikdage i Aalborg, 27.08.2013 The challenge Compare The pilot pictures The choice The survey technique Only one picture

Læs mere

Trolling Master Bornholm 2015

Trolling Master Bornholm 2015 Trolling Master Bornholm 2015 (English version further down) Sæsonen er ved at komme i omdrejninger. Her er det John Eriksen fra Nexø med 95 cm og en kontrolleret vægt på 11,8 kg fanget på østkysten af

Læs mere

Agenda Subject Time Status Annex Comments

Agenda Subject Time Status Annex Comments Board Meeting - Draft Agenda Wednesday, January, 30 th From 15.00 to 20.00 19.30: Dinner Agenda 1, Annex 01 Agenda Subject Time Status Annex Comments 1. Welcome and approval of the agenda 15.00 15.10 01

Læs mere

Small Autonomous Devices in civil Engineering. Uses and requirements. By Peter H. Møller Rambøll

Small Autonomous Devices in civil Engineering. Uses and requirements. By Peter H. Møller Rambøll Small Autonomous Devices in civil Engineering Uses and requirements By Peter H. Møller Rambøll BACKGROUND My Background 20+ years within evaluation of condition and renovation of concrete structures Last

Læs mere

Krav til bestyrelser og arbejdsdeling med direktionen

Krav til bestyrelser og arbejdsdeling med direktionen Krav til bestyrelser og arbejdsdeling med direktionen Lo skolen, 25. april 2014 Julie Galbo Hvad tænker lovgivere? The missing link It is not the case that boards of directors do not understand that capital

Læs mere

Statistical information form the Danish EPC database - use for the building stock model in Denmark

Statistical information form the Danish EPC database - use for the building stock model in Denmark Statistical information form the Danish EPC database - use for the building stock model in Denmark Kim B. Wittchen Danish Building Research Institute, SBi AALBORG UNIVERSITY Certification of buildings

Læs mere

Forslag til implementering af ResearcherID og ORCID på SCIENCE

Forslag til implementering af ResearcherID og ORCID på SCIENCE SCIENCE Forskningsdokumentation Forslag til implementering af ResearcherID og ORCID på SCIENCE SFU 12.03.14 Forslag til implementering af ResearcherID og ORCID på SCIENCE Hvad er WoS s ResearcherID? Hvad

Læs mere

Trolling Master Bornholm 2016 Nyhedsbrev nr. 8

Trolling Master Bornholm 2016 Nyhedsbrev nr. 8 Trolling Master Bornholm 2016 Nyhedsbrev nr. 8 English version further down Der bliver landet fisk men ikke mange Her er det Johnny Nielsen, Søløven, fra Tejn, som i denne uge fangede 13,0 kg nord for

Læs mere

Flag s on the move Gijon Spain - March 2010. Money makes the world go round How to encourage viable private investment

Flag s on the move Gijon Spain - March 2010. Money makes the world go round How to encourage viable private investment Flag s on the move Gijon Spain - March 2010 Money makes the world go round How to encourage viable private investment Local action groups in fisheries areas of Denmark Nordfyn The organization of FLAG

Læs mere

Our vision is to be recognized as the most trusted partner within SCADA solutions and technical support to the renewable energy industry.

Our vision is to be recognized as the most trusted partner within SCADA solutions and technical support to the renewable energy industry. SCADA International Hello! First of all we would like to thank you for your interest in SCADA International and this position. SCADA International is passionate about making a difference. We strive towards

Læs mere

Aktivering af Survey funktionalitet

Aktivering af Survey funktionalitet Surveys i REDCap REDCap gør det muligt at eksponere ét eller flere instrumenter som et survey (spørgeskema) som derefter kan udfyldes direkte af patienten eller forsøgspersonen over internettet. Dette

Læs mere

Øjnene, der ser. - sanseintegration eller ADHD. Professionshøjskolen UCC, Psykomotorikuddannelsen

Øjnene, der ser. - sanseintegration eller ADHD. Professionshøjskolen UCC, Psykomotorikuddannelsen Øjnene, der ser - sanseintegration eller ADHD Professionshøjskolen UCC, Psykomotorikuddannelsen Professionsbachelorprojekt i afspændingspædagogik og psykomotorik af: Anne Marie Thureby Horn Sfp o623 Vejleder:

Læs mere

How Al-Anon Works - for Families & Friends of Alcoholics. Pris: kr. 130,00 Ikke på lager i øjeblikket Vare nr. 74 Produktkode: B-22.

How Al-Anon Works - for Families & Friends of Alcoholics. Pris: kr. 130,00 Ikke på lager i øjeblikket Vare nr. 74 Produktkode: B-22. Bøger på engelsk How Al-Anon Works - for Families & Friends of Alcoholics Al-Anons grundbog på engelsk, der indfører os i Al- Anon programmet. Om Al-Anons historie, om forståelse af os selv og alkoholismen.

Læs mere

Skriftlig Eksamen Kombinatorik, Sandsynlighed og Randomiserede Algoritmer (DM528)

Skriftlig Eksamen Kombinatorik, Sandsynlighed og Randomiserede Algoritmer (DM528) Skriftlig Eksamen Kombinatorik, Sandsynlighed og Randomiserede Algoritmer (DM58) Institut for Matematik og Datalogi Syddansk Universitet, Odense Torsdag den 1. januar 01 kl. 9 13 Alle sædvanlige hjælpemidler

Læs mere

Nyhedsmail, april 2014 (scroll down for English version)

Nyhedsmail, april 2014 (scroll down for English version) Nyhedsmail, april 2014 (scroll down for English version) Kære Omdeler Forår og påske står for døren, og helligdagene i forbindelse med påsken betyder ændringer i omdelingen. Derudover kan du blandt andet

Læs mere

POSitivitiES Positive Psychology in European Schools HOW TO START

POSitivitiES Positive Psychology in European Schools HOW TO START POSitivitiES Positive Psychology in European Schools HOW TO START POSitivitiES Positive Psychology in European Schools PositivitiES er et Comenius Multilateral europæisk projekt, som har til formål at

Læs mere

New Nordic Food 2010-2014

New Nordic Food 2010-2014 New Nordic Food 2010-2014 Mads Randbøll Wolff Senior adviser Nordic Council of Ministers New Nordic Food The questions for today concerning New Nordic Food: - What is the goal for New Nordic Food? - How

Læs mere

Vejledning til brugen af bybrandet

Vejledning til brugen af bybrandet Vejledning til brugen af bybrandet Indhold Hvorfor bruge bybrandet? s. 3-4 Inspiration/ big idea s. 5-10 Syv former for bybranding s. 11-18 Brug af logoet s. 19-21 Find desuden flere cases, designelementer

Læs mere

Timetable will be aviable after sep. 5. when the sing up ends. Provicius timetable on the next sites.

Timetable will be aviable after sep. 5. when the sing up ends. Provicius timetable on the next sites. English Information about the race. Practise Friday oct. 9 from 12.00 to 23.00 Saturday oct. 10. door open at 8.00 to breakfast/coffee Both days it will be possible to buy food and drinks in the racecenter.

Læs mere

Help / Hjælp

Help / Hjælp Home page Lisa & Petur www.lisapetur.dk Help / Hjælp Help / Hjælp General The purpose of our Homepage is to allow external access to pictures and videos taken/made by the Gunnarsson family. The Association

Læs mere

BILAG 8.1.F TIL VEDTÆGTER FOR EXHIBIT 8.1.F TO THE ARTICLES OF ASSOCIATION FOR

BILAG 8.1.F TIL VEDTÆGTER FOR EXHIBIT 8.1.F TO THE ARTICLES OF ASSOCIATION FOR BILAG 8.1.F TIL VEDTÆGTER FOR ZEALAND PHARMA A/S EXHIBIT 8.1.F TO THE ARTICLES OF ASSOCIATION FOR ZEALAND PHARMA A/S INDHOLDSFORTEGNELSE/TABLE OF CONTENTS 1 FORMÅL... 3 1 PURPOSE... 3 2 TILDELING AF WARRANTS...

Læs mere

Remember the Ship, Additional Work

Remember the Ship, Additional Work 51 (104) Remember the Ship, Additional Work Remember the Ship Crosswords Across 3 A prejudiced person who is intolerant of any opinions differing from his own (5) 4 Another word for language (6) 6 The

Læs mere

how to save excel as pdf

how to save excel as pdf 1 how to save excel as pdf This guide will show you how to save your Excel workbook as PDF files. Before you do so, you may want to copy several sheets from several documents into one document. To do so,

Læs mere

DONG Energy. Photobook

DONG Energy. Photobook DONG Energy Photobook DA Om Duba-B8 Duba-B8 A/S er blandt de førende i norden indenfor totalindretning af kontormiljøer. Vores indretningskoncepter er skræddersyede og bygger på rådgivning og analyse af

Læs mere

Decommissioning Development Project in Esbjerg. Foredrag hos Skibsteknisk Selskab By Peter Blach, Offshore Center Danmark

Decommissioning Development Project in Esbjerg. Foredrag hos Skibsteknisk Selskab By Peter Blach, Offshore Center Danmark Decommissioning Development Project in Esbjerg Foredrag hos Skibsteknisk Selskab By Peter Blach, Offshore Center Danmark 1 Background More than 7000 off-shore constructions world wide More than 600 off-shore

Læs mere

Medinddragelse af patienter i forskningsprocessen. Hanne Konradsen Lektor, Karolinska Institutet Stockholm

Medinddragelse af patienter i forskningsprocessen. Hanne Konradsen Lektor, Karolinska Institutet Stockholm Medinddragelse af patienter i forskningsprocessen Hanne Konradsen Lektor, Karolinska Institutet Stockholm Værdi eller politisk korrekt (formentlig krav i fremtidige fondsansøgninger) Hurtigere, effektivere,

Læs mere

Vind Seminar Fredericia 4. april 2013 JOB2SEA

Vind Seminar Fredericia 4. april 2013 JOB2SEA Vind Seminar Fredericia 4. april 2013 JOB2SEA Rekrutteringsstrategi i et svært marked. Helle Drachmann Baggrund Job- & CV database Outplacement & transition management Koncern HR Selvstændig virksomhed

Læs mere

LAW FIRM ASSOCIATION FOR

LAW FIRM ASSOCIATION FOR LAW FIRM BILAG 8.1.C TIL VEDTÆGTER FOR ZEALAND PHARMA A/S EXHIBIT 8.1.C TO THE ARTICLES OF ASSOCIATION FOR ZEALAND PHARMA A/S INDHOLDSFORTEGNELSE/TABLE OF CONTENTS INDHOLDSFORTEGNELSE/TABLE OF CONTENTS...

Læs mere

Trolling Master Bornholm 2013

Trolling Master Bornholm 2013 Trolling Master Bornholm 2013 (English version further down) Trolling Master Bornholm 2013 Dommerkomiteen har i dag holdt møde og evalueret jeres tilbagemeldinger, og det betyder nogle ændringer af arrangementet

Læs mere

Trolling Master Bornholm 2013

Trolling Master Bornholm 2013 Trolling Master Bornholm 2013 (English version further down) Trolling Master Bornholm 2013 Husk at tjekke jeres reservationer! Vi ved, at der er nogen, som har lavet reservationer af overnatning, og at

Læs mere

Developing a tool for searching and learning. - the potential of an enriched end user thesaurus

Developing a tool for searching and learning. - the potential of an enriched end user thesaurus Developing a tool for searching and learning - the potential of an enriched end user thesaurus The domain study Focus area The domain of EU EU as a practical oriented domain and not as a scientific domain.

Læs mere

DIRF IR strategi og implementering. 15 Marts 2011, Michael von Bulow, IR, Danmark

DIRF IR strategi og implementering. 15 Marts 2011, Michael von Bulow, IR, Danmark DIRF IR strategi og implementering 15 Marts 2011, Michael von Bulow, IR, Danmark Agenda Vores værdier IR og organisationen Planning wheel IR politik Aktiviteter & Output & KPI Udfordringer 2 Our five values

Læs mere

Hvor er mine runde hjørner?

Hvor er mine runde hjørner? Hvor er mine runde hjørner? Ofte møder vi fortvivlelse blandt kunder, når de ser deres nye flotte site i deres browser og indser, at det ser anderledes ud, i forhold til det design, de godkendte i starten

Læs mere

Afbestillingsforsikring

Afbestillingsforsikring Afbestillingsforsikring Sygdomsafbestillingsforsikring ved akut sygdom, ulykke. Da afbestilling på grund af akut sygdom, ulykke m.m. ikke fritager deltagerne for betaling, kan det anbefales, at der tegnes

Læs mere

Skadeanmeldelse. Claims form. Hesteforsikring. Equine Insurance Accident/Illness

Skadeanmeldelse. Claims form. Hesteforsikring. Equine Insurance Accident/Illness First Horse Nytorv 3 1450 København K Skadeanmeldelse Claims form Hesteforsikring Equine Insurance Accident/Illness Det er vigtigt, at De udfylder anmeldelse så udførligt som muligt. Er anmeldelsen udfyldt

Læs mere

Teknologi & Uddannelse

Teknologi & Uddannelse Teknologi & Uddannelse ~Access determinisme? Samspillet mellem teknologi og samfund We don't need no school...experience strongly suggests that an incremental increase of more of the same building schools,

Læs mere