<!–:en–>Interview with Companisto GmbH<!–:–><!–:de–>Interview mit Companisto GmbH<!–:–><!–:ru–>Интервью с Companisto GmbH (Russian)<!–:–><!–:ro–>Interviu cu Companisto GmbH<!–:–>

Companisto este platforma de investiţie în masă cu cea mai rapidă dezvoltare din Europa. English-Team a avut oportunitatea de a discuta cu Kai Lehmann, directorul de comunicare al firmei Companisto GmbH.

English-Team: Numele Companisto este un cuvânt inventat într-un mod interesant. Presupun că are la bază cuvântul englezesc ’company’ (companie).

Companisto: Exact. Pe de o parte aminteşte de companie în sensul de firmă, pe de altă parte de companie cu înţelesul de partener sau tovarăş deoarece micii acţionari care investesc în start-up-uri primesc numele de ’Companisten’ devenind în acelaşi timp parte activă a start-up-urilor. Aceştia nu doar asigură investiţia ci contribuie printr-un input personal şi se implică ca suporteri ai firmei, ca de pildă în cazul secţiunii de comentarii a platformei Companisto. English-Team: Companisto este o platformă de investiţie în masă unde pentru afacerile start-up singurul partener contractual este Companisto. Care sunt avantajele pe care le prezintă Companisto în comparţie cu alte portaluri, ca de exemplu,Seedmatch.de? O privire de ansamblu asupra avantajelor şi inovaţiilor impuse de platforma Companisto: • Nu există o sumă minimă ce trebuie investită: oricine poate participa Acţionarii beneficiază pe lângă dividente şi de o parte a profitului provenit din vânzarea start-up-ului (venituri ’exit’). • Termene contractuale de lungă durată în vederea protejării investitorilor: din această cauză împărţirea profitului este condiţionată de clauze contractuale iniţiale. Companisto este adaptată capitalului de risc: spre deosebire de alţi furnizori, aportul social în cadrul firmei Companisto este adaptat cu preponderenţă nevoilor marilor investitori. • Nu există o limită inferioară a sumei ce se poate investi în Companisto. Investiţia poate fi făcută începând cu suma de 5 Euro. Această posibilitate este rentabilă chiar şi în cazul start-up-urilor instantanee deoarece un număr cât mai mare de fani asigură succesul afacerii. Drept urmare, cu modelul Companisto start-up-urile elimină costurile administrative. Din acest punct de vedere nu contează dacă investiţia este făcută de 200 sau de 2000 de investitori deoarece în fiecare caz start-up-ul are un singur partener contractual: Companisto. Start-up-urile atrag ’adevăraţii’ propagatori. Companisto facilitează de asemenea implicarea tinerilor ce preferă mediul virtual şi a celor cu o vastă reţea de contacte în start-up-uri. Tocmai aceşti indivizi familiarizaţi cu reţelele sociale sunt propagatorii ideali. Ei aduc o contribuţie semnificativă la succesul start-up-urilor tocmai prin forţa comportamentului lor comunicaţional. Datorită sumei minime de investiţie impusă de alţi distribuitori, acest grup ţintă a fost până acum exclus în totalitate de la participarea la start-up-uri în detrimentul acestora. Modelul de participare al firmei Companisto a fost special conceput în urma consultării companiilor cu capital de risc astfel încât nimic să nu împiedice continuarea investiţiilor de către companiile cu capital de risc sau de către îngerii de afaceri după ce au investit în masă în Companisto. Aţi amintit deja faptul că diferenţa dintre Companisto şi celelalte modele de investiţie în masă constă în faptul că în start-up se implică un singur contract: Companisto este singurul său partener contractual. Ȋn contrast, micii investitori au contracte unice cu Companisto. Această grupare contractuală a micilor investitori este absolut benefică pentru start-up-uri. Datorită grupărilor contractuale, afacerile înfiinţate nu au costuri administative. Pe acest considerent este nevoie doar de o singură declaraţie de impozit la sfârşit de an având în vedere că firma Companisto joacă doar rolul de partener din umbră. Ȋn cazul celorlalţi distribuitori, start-up-ul generează anual până la 200 de declaraţii de impozit deoarece start-up-ul încheie câte un contract de participare cu fiecare investitor în parte. Modelul de participare Companisto compatibil cu investiţia de risc vorbeşte pentru sine: start-up-urile la Companisto au un singur partener contractual şi de aceea păstrează o structură raţională şi clară- aceasta fiind o condiţie esenţială pentru finanţarea continuă a companiilor ce practică investiţia de risc. Ȋn acelaşi timp, modelul grupării contractuale permite start-up-ului să atragă un număr mare de suporteri valoroşi. Cât durează pentru un investitor instituirea contractului cu Companisto? După trimiterea dovezii achiziţionării acţiunii prin e-mail, investitorul primeşte imediat contractul însoţit de certificatul de acţionar, termeni şi condiţii şi un aviz de anulare a contractului. Poţi deveni ’Companist’ în câteva secunde.

English-Team: Cât se investeşte in medie?

Companisto: Totul depinde de start-up. La Companisto investitorii au contribuit în medie cu suma de 220 Euro; pentru ’ Charité spin-off doxter’ s-a ajuns la aproximativ 230 Euro. Ȋn ambele cazuri este evident că a fost atrasă o nouă categorie de investitori, cu preponderenţă tineri ce preferă mediul virtual dar şi foarte multe femei. Acest lucru ne încântă in mod deosebit.

English-Team: Care este durata perioadei de investiţie?

Companisto: Acesta este un alt aspect deosebit de important. Titlurile de participare la Companisto se extind pe o perioadă de 8-10 ani. Pe această perioadă investitorii beneficiază şi de o parte din profit. Investitorii trebuie să aibă în vedere faptul că durata contractului cu respectivul start-up se extinde pe o perioadă cât mai îndelungată. Aceasta se datorează faptului că afacerile de curând înfiinţate nu generează profit în primii ani de activitate ci tind să investească fiecare Euro în dezvoltare. Acţionarii îşi primesc dividentele doar după această periodă de dezvoltare. Dacă acţionarul se retrage înaintea finalizării acestei perioade de dezvoltare, nu îşi mai primeşte dividentele. Prin urmare, titlurile de participare pe o perioadă îndelungată asigură un câştig semnificativ în urma încasării dividentelor. Recomandăm o perioadă de cel puţin opt ani. Spre deodebire de alte platforme care folosesc metoda investiţiei în masă, la Companisto acţionarii primesc o parte a veniturilor provenite din achiziţionarea unei firme de către un investitor major (aşa numitul ’exit’).’ Exit’-ul are loc de obicei la 3-7 ani după înfiinţarea firmei. Din acest motiv, micii investitori ar trebui să se axeze pe titluri de participare de lungă durată şi să aibă în vedere participarea la ’exit’-ul din firmă. De ce ar trebui ei să fie dezavantajaţi în faţa marilor investitori?

English-Team: Există posibilitatea ca un investitor străin să devină ’Companisten’?

Companisto: Pentru moment, este obligatorie rezidenţa germană.

English-Team:

Câte start-up-uri de succes a realizat Companisto până în prezent şi câte se preconizează până la finele anului 2013? Companisto: Companisto a fost lansată la începutul lunii iunie, 2012. De atunci am reuşit să plătim dividente în valoare de 100.000 Euro pentru fiecare dintre cele două start-up-ri, noi şi doxter. Un total de 245.000 Euro au fost investiţi deja de cei peste 1000 de investitori. Ȋn momentul de faţă poţi participa la start-up-ul numit ePortrait care permite crearea rapidă,uşoară şi , mai important, ieftină a fotografiilor biometrice cu ajutorul unei camere web. Mai mult, poţi face un număr nelimitat de fotografii pentru actul tău de identitate pentru a le utiliza în anii următori. Este destul de dificil de a face o predicţie pentru sfârşitul anului 2013. Cu siguranţă, cifra noastră de afaceri va creşte în mod semnificativ. Pentru a afla mai multe vă sfătuiesc să accesaţi cu regularitate www.companisto.de pentru a avea o privire de ansamblu asupra start-up-urilor.

English-Team: Ce face Companisto pentru a-şi promova portalul şi conceptele?

Companisto: Teoretic, mijloacele de comunicare socială ne permit să ne facem cunoscuţi în rândul maselor. Facebook, Twitter, Google şi Xing sunt esenţiale din acest punct de vedere dar şi pagina noastră de start conţine de asemenea informaţii detaliate. Bineînţeles, ne încântă şi ideea de a da interviuri cu scopul de a creşte nivelul de conştientizare a metodei de investiţie în masă (crowd investing) şi de a face reclamă firmei Companisto şi start-up-urilor sale.

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English for Winners Training 2013

Dear [FRIEND], how serious are you about improving your English? Are you really serious or do you just prefer to dilly dally around? If you are indeed serious, you need to attend our English For Winners Training in 2013 in Leipzig, Germany. The workshop is the most important event in the ESL industry (English as a Second Language) because you will meet the top performers from around the world. Those are people who have made up their minds to become winners through learning to speak English

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like native speakers. Who will be your trainer? Me, Torsten Daerr. You will benefit from my experience as an English trainer and Internet business person. At the end of the training online slots seminar you receive the internationally recognized English For Winners Certificate and your personal English For Winners T-Shirt. You can use the English For Winners Certificate to get a new job, negotiate a salary increase and you can show it your friends and family. In the English For Winners workshop you will learn a lot of things such Betsson valittiin parhaaksi “ Sportsbook Operator of the Year” kategoriassa 23. as how to learn English like a winner, how to effectively prepare for an English language exam and how to integrate English into your daily routines.

Sound interesting? Then you should hurry. Each workshop is for a maximum of 10 winners only and places are filling up quickly. If you book your EFW workshop now, you”ll get a whopping 20% discount. So act like a real winner and book now by clicking here: Ah, you first want know what you”ll get for your hard earned cash? Sure, here is a rundown of the key workshop”s key features and contents:

How to find lost orders in Drupal Ubercart Shop?

Sometimes a Ubercart customer will ask for their order because they have not received their product. In this case you need to find the order or the customer or both in your Ubercart store. Below you can watch a short video by Zfort Group that shows to find lost orders in Drupal Ubercart: How

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to find lost orders in Drupal Ubercart Store? If you more questions regarding Drupal Ubercart, please post them here on the blog.

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How fast does Google index new pages?

Anyone running a website wants their pages to be found through Google. For that to happen, Google must first index those pages. Although Google’s search and index algorithm is very complex it follows a few basic

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principles. One of them is that Google indexes any page that has a back link from a page that has already been indexed. For instance, if you add a new entry to your blog and then post the URL of that blog entry on a forum which is already well indexed by Google, Google follows that link and indexes your new blog entry too. Here is an example: Earlier today I wrote this blog post: Commerzbank/Dresdner Bank BIC Problem, then wrote a short forum post and inserted a backlink to that post entry here: Commerzbank Customer Service Problem and after a few minutes got the following results page when googling the term ‘commerzbank customer service’:

Commerzbank Customer Service

Commerzbank Customer Service

As you can see, my forum past came up in the top search results and my blog post was also indexed by Google which you can check by putting just any phrase contained in the article into quotation marks and googling it:
Commerzbank Dresdner Bank BIC Problem

Commerzbank Dresdner Bank BIC Problem

This means that somebody who has the same problem with Commerzbank like me, can find my forum and blog posts through Google and we can share experiences and maybe come up with a solution together.

Can you make a living blogging?

You know what a blog is, don’t you? Yes, it’s a fairly new term made up of the words ‘web’ and ‘log’. So it’s more or less an electronic diary whose entries are available to anyone online. There are tens of thousands of blogs about any type of topic and they are all free to read, respond to and even copy and change. And still you can earn a living through blogging. Anyone can. Provided you understand and follow a few principles. There are a number of categories you can put people into when it comes to the way they produce or consume information. The first category most people fall into is that group of people who most of the time consume information but produce little.

In other words, about 80% of all Internet users only read blog entries but don’t create any themselves. The second category of people are those who share quite a lot of information most of which how ever is trivial and rather personal. Those are the people who spend lots of time on social networks such as Facebook, Google Plus or Twitter. They talk about their hobbies and free time activities and their messages and posts are rather superficial. They also don’t have their own blog so with every piece of information they share they promote the platform they are using. What is Facebook’s most effective advertising tool? It’s active user base of course. So when you use Facebook a lot, you promote Facebook but not your own brand or website. You will also not make any money by using Facebook no matter how much time you spend on it. Then there is the category of people who produce most the content available on the Internet. Those can be professional journalists as well as bloggers or forum users. About 20% of all Internet users create about 80% of all Internet content. And out of the 20% of ‘content creators’ about 5% earn a living blogging. The fascinating fact is that you or anyone can belong to those 5%. Of course the vast majority of people will never become bloggers because they are not willing to change their way of thinking. They simply can’t process the thought that they are able to make a living by running a blog. Their mind instantly jumps to the ‘no can do’ part of their brain. They come up with all the reasons why can’t earn a living online instead of thinking about reasons why they can. At this point many of you will say: “But I don’t think my thoughts and ideas are good enough for me to earn a living”. Well, if you skills and experiences weren’t sufficient to earn a living you wouldn’t be able to have and keep a job. What are you doing for a living right now? Why do you think your skills and abilities are good enough to earn a living through a regular job but not through your own blog? When you google the phrase “earning a living blogging” you get a lot of pages and articles that talk about ‘traffic techniques’, ‘guest blogging’, ‘conversion rates’, ‘CPC Networks’, ‘CPM Networks’, ‘affiliate programs’, ‘shared hosting’, ‘Google Analytics’, ‘bounce rate’, Google Adsense’, ‘domain registration’, ‘WordPress configuration’, ‘SEO strategies’, ‘social media marketing’, etc. All those things might be important but guess what? They are by far not as possible as some very basic principles which are not covered on those pages. At the core of those principles is the ‘law of increasing returns’. This law says that when you invest your time and thought power into a project, it sooner or later pays off and the earnings are greater than your investment. Of course the law of increasing returns also applies to blogging. If you share your ideas, thoughts, suggestions, experiences, problems, etc. with others through your blog, you will get paid for that some way or another. And your income will be big enough to live off of your blogging activities. Another basic principle is that the most valuable and important asset to any business or system are thoughts and ideas. You can have the best blogging software program or platform in the world — if you don’t fill it with interesting and valuable information, it’s like a huge empty container. A lot of people will tell that for any website or blog owner SEO (search engine optimization) is crucial. I totally agree with that. Yes, it is true, you write your blog for others to read. You can send your blog’s links to your friends via email or post them on Facebook and Twitter but unless you have thousands of influential friends, you won’t be able to earn a living through this strategy. You want to attract and keep a lot of readers worldwide. You want to your blog to be read and promoted by people you don’t even know yet or will never get to know. That’s why you need the help of Google and other search engines like Microsoft’s Bing. Most so called specialists will tell you that you have to do a lot of technical stuff like ‘content optimization techniques’, ‘inbound linking’, ‘link exchange’, ‘keyword tweaking’, ‘conversation oriented link building’, and on and on. The more you read about this stuff the less you understand. At least at the beginning. My advice is this:

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If you start running your blog, read as little about all the technical questions as you need. Focus on the core: your thoughts and ideas. They are unique. They are the raw material for your success. The technical stuff is the container, the packaging of your ideas. Yes, you do need the container but you can build and refine it later. The most important blogging activities don’t happen within that container. They happen inside your head. Of all the many SEO methods and techniques there is one that accounts for about 90% of your success and most ‘experts’ don’t even mention it. The single most powerful SEO factor is your blog’s content, your information, experiences, ideas, thoughts, interviews, questions, photos, videos, stats, study cases, comments, reports, articles, posts, poems, songs, essays, discussions, projects, etc. Don’t worry about Google. Google is sophisticated and clever enough to detect and index good content no matter how well you have twisted your site ‘under the hood’. What really counts is the stuff your blog entries are made of.

Commerzbank/Dresdner Bank BIC Problem (deutsch)

Im Januar 2009 hat die Commerzbank die Dresdnder Bank übernommen. Die Übernahme war ein langer und schwieriger Prozess, der offensichtlich nicht ganz reibungslos verlaufen ist. Ich bin seit 1995 Kunde der Dresdner Bank/Commerzbank. Seit 2004 erhalte ich regelmäßig Überweisungen aus dem Ausland, 99% davon sind von Goolge.

Seit April 2012 warte ich auf eine Zahlung von der LOVOO GmbH. Ich kenne die LOVOO Geschäftsführer persönlich

und wir haben ein sehr gutes Verhältnis. LOVOO kann mir deshalb nicht zahlen, weil mein Commerzbank Girokonto noch die alte BIC der Dresdner Bank verwendet. Am 21. Juli hat Google Irland mir einen Betrag geschickt, der bis jetzt noch nicht auf meinem Konto angekommen ist:

No Google Payment

No Google Payment

Meine Commerzbank Beraterin meint, es sei Zufall, dass ich fast zur gleichen Zeit zwei Zahlungen aus dem Ausland nicht erhalten kann. Mit der Commerzbank BIC würde alles stimmen. Hier ein Auszug aus der email, die ich von ihr bekommen habe: “Hallo Herr Daerr, alte Konten von der Dresdner Bank haben die alte Bankleitzahl und den BIC Code ungeändert. Wenn Sie den von der Commerzbank nehmen, kann es auf einem falschen Konto landen, da es die Nummern noch mal gibt. Wenn es Änderungen gibt, bekommen die Kunden das mitgeteilt.” Und weiter schreibt sie: “Hallo Herr Daerr, unser Code lautet immernoch DRESDEFF860. Bisher hat das bei allen Kunden geklappt und ich habe einige Firmen, die nur Auslandsgeschäfte machen. Ihr Kunde soll sich bitte an seine Bank wenden, ich kann Ihnen leider kein anderen Code nennen.” Hier ist ihre Antwort zum Thema Google Zahlung: “Hallo Herr Daerr, Nachforschungen sind immer durch den Auftraggeber zu starten. Google Irland muß bei seiner Bank nachfragen.” Google hat seinen Zahlungsverkehr fast 100%ig automatisiert und ich glaube nicht, dass nach mehr 100 Zahlungen an mich, plötzlich ein Fehler bei Google aufgetreten ist. Was mich besonders an der Haltung meiner Commerzbank Beraterin stört, ist dass sie sagt, dass die Zahlungen bei allen Kunden geklappt haben. Mit anderen Worten: Alle anderen Kunden sind schlau, nur ich bin dumm. Mal sehen, wie sich die Situation entwickelt. Früher oder später werde ich beide Zahlungen erhalten und dann bin ich vor allem um eine wichtige Erfahrung reicher.

August/September Blog Entries

Here is an overview of the blog entries I’m planning to post during the remainder of August and maybe the beginning of September:

  • web development tasks for the remainder of 2012 (carried out by Zfort Group)
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  • Chrome problem (Google Chrome stopped working a couple of weeks which is very annoying):
    Google Chrome Browser Problem

    Google Chrome Browser Problem

  • LOVOO translation update (We have been editing and improving LOVOO’s current English version of their Android and iOS apps and we are also going to offer them a Russian version of their LOVOO apps.)
  • New ideas on how to run government funded English courses (English-Team is conducting a number of English For Winners courses in Germany during the remainder of 2012 and we want to improve our delivery again.)
  • An article on SEO and developments in Ukraine (When you google the term ‘associations with Ukraine’ one of our forum threads comes up on top: Associations with Ukraineand there have been quite some interesting developments in Ukraine for the past couple of years. For example, I’m writing this blog entry from an apartment in Koktebel’, less than 300 meters away from the Black Sea shore.)
  • We possible will have a new client who wants us to organize and manage their Adsense activities (It’s a German start up company that is going to open an online store dealing with electronic devices and gadgets. The name of the company is made of the two German words for ‘consume’ and ‘factory’ — KonsumFabrik GmbH Leipzig.)
  • Another article on the differences between grammar rules and grammar patterns (A Canadian language specialist has recently started a forum thread on the differences between your native language and English as a second language raising the question of how to learn English grammar: Differences between English and one’s native language
  • Google Plus vs. Facebook (Which of the two big social networks do you prefer and why? How is Google Plus different to Facebook and what do they have in common?)
  • Why you should have your own blog and how to write and promote it. (Running your own blog has many benefits for your personal as well as your professional development. In this article we will cover how you can set up your blog, what to write and how often and how to make sure your blog articles are read by as many people as possible.)

    Nobis Luna