The legal transaction (delivery, billing, etc.) is carried out by Haufe Service Center GmbH in its own name on account of third parties (commission). A dispute resolution procedure before a consumer arbitration board is not participated in.
1. In accordance with the following General Business Terms and Conditions, an advertising order is considered to be the Agreement regarding the publication of one or more advertisements of an advertiser or other parties (in the following customer) placing advertisements in a print journal and/or via an electronic medium for the purpose of dissemination. The Publisher shall be entitled to save the advertisement with respect to content, text and any possible images in a database and make it available to potential customers via electronic media. In this respect, if it should concern intellectual property subject to copyright protection, the rights of use shall be considered to be granted to the Publisher with no restrictions of time and space.
2. In cases of doubt, advertisements shall be called for publication within one year from the conclusion of the agreement. If, in the course of a contractual conclusion, the right to the calling for publication of individual advertisements is granted, then the agreement must be executed within one year of publication of the initial advertisements if the first advertisement is called for publication and published within the timeframe specified in Clause 1.
3. With respect to contractual conclusions, the Customer shall be entitled to call for the publication of further advertisements exceeding the Advertising quantity specified in the order within the agreed-upon timeframe or the timeframe specified in Clause 2.
4. The Customer shall have a retroactive claim to a discount corresponding to its actual calling for publication of advertisements within an annual period. However, this claim shall only then apply if a job contract has been concluded at the beginning of the timeframe which, based upon the price list, provides entitlement to a discount from the outset. The claim to a discount shall cease to apply if such claim is not asserted within one month of the expiration of the annual timeframe.
5. If an order is not fulfilled due to circumstances for which the Publisher is not responsible, then the Customer shall be entitled, notwithstanding any further legal obligations, to reimburse the Publisher for the difference between the discount granted and the discount actually accepted.
6. With respect to the calculation of the acceptance quantities, text millimeter lines will be converted into advertising millimeters based upon price.
7. For the inclusion of advertisements and third-party advertising Supplements which are supposed to be published for explanatory purposes exclusively in designated numbers, designated editions or designated locations of the printed material, the Publisher shall only provide guarantees if the validity of the order has been made expressly dependent upon this. Classified advertisements shall be printed in the respective section without an express agreement being required for this.
8. For the placement of an advertisement in an editorial section, the Editorial section price must be paid. Advertisements, which are not recognizable as advertisements due to their editorial layout, shall be clearly labeled as such by the Publisher.
9. The Publisher reserves the right to reject advertising orders – including individual calls for publication in accordance with a contractual conclusion – and supplemental orders due to the content, the origin or the technical form according to standard, professionally justified principles of the Publisher. The same shall apply if ist content violates laws or governmental directives.
This shall also apply for orders which have been submitted to authorized representatives. Supplemental orders are binding for the Publisher only after the submission of a model of the supplement and ist approval. Supplements which, through the format or layout, give the reader the impression that they are a component of the newspaper or contain third-party advertising shall not be accepted. Notification of the rejection of an order shall be immediately made to the Customer.
10. The Customer shall be responsible for the timely submission of the Advertising text and flawless print documents or the supplements. The Publisher shall demand the immediate replacement of print documents which are obviously unsuitable or damaged. The Publisher shall guarantee the flawless reproduction of the advertisement with respect to print quality.
11. The Customer shall have a claim to a reduction of payments or a replacement advertisement if the print of the advertisement is, either in whole or in part, illegible, incorrect or incomplete, but nonetheless only to the extent that the purpose of the advertisement has been compromised. Any more substantial liability upon the part of the Publisher is excluded. This shall not apply for intentional wrongdoing or gross negligence on the part of the Publisher and ist vicarious agents. A liability on the part of the Publisher for damages due to the lack of guaranteed quality features shall remain unaffected. In commercial Business dealings, the Publisher shall not be liable for gross negligence on the part of its vicarious agents. Control data which are missing or defectively printed shall create no claim for the Customer unless something to the contrary has been agreed upon between the parties. Complaints must be submitted within one week's time from receipt of the invoice and voucher copy. In any case, liability is limited to foreseeable damages and by the fee to be paid for the advertisement or Supplement, insofar as neither intentional wrongdoing nor gross negligence apply. With respect to advertisements, deadline and task modifications, text corrections and cancellations submitted by telephone, the Publisher shall assume no liability for transmission errors. For erroneous repeat advertisements, claims are excluded if the Advertiser had the possibility of making notification of the errors before the printing of the follow-up advertisements. The payment claim of the Publisher shall remain unaffected. The Publisher shall not be liable for damage compensation claims or claims for recourse which possibly originate from the content or form of an advertisement, particularly due to competition law directives. Rather, the Customer shall be solely responsible for the content or form of an advertisement.
12. Proofs shall be supplied only upon express request. The Customer shall assume responsibility for the correctness of the returned proofs. In the Event that the Customer does not promptly return the proofs submitted in a timely manner, then the approval for printing shall be considered to have been made.
13. If no special size specifications have been provided, then the actual printing size will be based upon the price calculation.
14. If the Customer does not make prepayment, then an invoice with related documentation shall be issued no later than the fifth day of the month following the publication of the advertisement. The invoice must be paid within the timeframe specified on the price list, unless a shorter payment period or prepayment has been agreed upon between the parties in the particular case. The timeframe shall begin to run upon receipt of the invoice. Any possible discounts for early payment shall be granted based upon the price list.
15. If the advertising prices change, then the new terms and conditions shall become effective immediately unless the Customer and the Publisher have agreed upon something to the contrary.
16. In the event of payment default or if a payment extension is granted, interest shall be charged in the amount of 8% above the respectively then valid base interest rate as well as the related collection costs. In the event of payment default, the Publisher may suspend the further execution of the current order until payment is received and may demand prepayment for the remaining advertisements.
17. In the event of insolvency, the entire amount for any advertisements still to be called for publication shall become immediately due for payment even in the case of § 103 Para. 1 InsO [Insolvency Act]. In any case, any approved Discount shall cease to apply in the event of insolvency, compulsory composition proceedings or a lawsuit.
18. Upon request, the Publisher shall provide an advertising clip with the invoice. If the type and scope of the advertising order justify it, up to two main vouchers or complete voucher numbers shall be supplied. If a voucher can no longer be procured, then a legally binding certificate of inclusion from the Publisher shall replace it.
19. The Customer must pay the costs for substantial changes to the originally agreed-upon order specifications.
20. A reduction in circulation shall only then influence the contractual relationship if a circulation amount has been guaranteed and this decreases by more than 20 percent. Furthermore, any price reductions and damage compensation claims shall be excluded if the Publisher has notified the Customer of the reduction in circulation in such a timely manner that the Customer could have withdrawn from the agreement before the advertisement was published.
21. If an order is cancelled after the official advertising deadline, the agreed-upon price for the order will become due for payment in its full amount.
22. Additionally, the Customer undertakes to comply with the Code of Conduct for business partners of the Haufe Group as in force from time to time, which can be viewed at resources.haufegroup.com/HaufeGroup-VerhaltenskodexGeschaeftspartner-extern.pdf. He duly acknowledges the provisions mentioned therein and agrees to them by way of his consent to these General Terms and Conditions.
The Publisher reserves the right to monitor the compliance of the Partner with the Haufe Code of Conduct.
23. The place of performance shall be Würzburg. In commercial dealings with businesspeople, juridical persons under public law or special funds under public law, the legal venue for any possible legal actions shall be Würzburg.
Haufe Lexware GmbH & Co. KG (hereinafter referred to as "HL") markets advertising space on websites and on other Haufe Lexware electronic media. The legal transaction (delivery, billing, etc.) is carried out by Haufe Service Center GmbH in its own name on account of third parties (commission). A dispute resolution procedure before a consumer arbitration board is not participated in.
2.1 "Advertising order" in terms of the General Terms and Conditions below constitutes the contract concluded on the placement of advertising material or materials in information and communication services, especially the Internet, for distribution.
2.2 All current and future advertising orders are subject exclusively to the General Terms and Conditions set out below. HL does not accept clients' conditions that differ from these General Terms and Conditions. The latter shall not become part of the contract, irrespective whether HL specifically objects or not.
2.3 HL is entitled to change the General Terms and Conditions at any time. HL shall notify its contractual Partners of any changes at least one month in advance. The amended General Terms and Conditions are deemed accepted unless the Client objects in writing (by mail, fax or e-mail) within four weeks after receipt of the relevant notification.
- a sensitive area which, on activation, establishes a Connection to further data at an online address given by the Client and located either in the Client's field or that of a third party (e.g. a link).
3.2 HL reserves the right to clearly identify Advertising material not evident as such due to its design with the word "Advertisement".
3.3 Only formats shown in the valid HL price list are available for the placement of advertising material. Special formats and special forms of advertising are possible, subject to consultation with and verification by HL.
4.1 The advertising order placed by the Client on HL shall be validated either on the basis of a written (by mail, fax or e-mail) order confirmation by HL or by completion of the order by HL. HL shall be entitled to reject unconfirmed orders without furnishing reasons.
4.2 The Client's verbally communicated orders or changes to confirmed orders are effective only once they have been confirmed by HL in writing.
4.3 HL accepts orders only under the condition that the advertising material does not violate existing laws or rights of third parties.
4.4 All advertising orders are subject to the agreement of the specific owner of the online offer.
4.5 Insofar as advertising agencies or agents place orders, the advertising order shall, in case of doubt, be deemed given by the advertising agency, unless explicitly otherwise agreed in writing. Orders by Advertising agencies or agents shall be accepted only in case of named advertisers. HL is entitled to demand proof of Mandate from the advertising agency or agent.
5.1 The insertion period is individually determined according to the booked contacts and period (fixed placement) or in accordance with the booked period and contacts.
5.2 In order to achieve the booked page impressions, HL is entitled to show the advertising material on other than the booked websites, without any arising liability of HL towards the Client.
5.3 If orders include placement instructions, such orders are deemed binding even if the placement instructions cannot be complied with. The prices as set out in the tariffs are charged for accepted placements.
5.4 If several advertising materials are supplied for an advertising order, HL will rotate these as per standard, unless the Client has submitted a schedule for the Placement of each advertising material.
6.1 The Client is obliged to observe the necessary Advertising materials components that must be provided for publication, the technical specifications to be met by the advertising materials, the method by which the Advertising materials must be submitted and the latest date by which said materials must be provided. The Client is obliged in particular to ensure that the target URL through which the advertising material is linked to the Webpage of the advertiser remains active for the duration of the insertion of an order. If the Client should become Aware of disrupted links between the advertising material and the target URL, he shall inform HL of such disruption without delay.
6.2 Advertising materials should generally be submitted seven working days at the latest before start of placements. Delivery is to: onlinewerbung@haufe.de. The Client carries the risk of transfer of specific Advertising material for publication, especially the risk of loss of data, unless such loss was caused by transfer problems for which HL is carrying the risk.
6.3 HL does not accept any responsibility for the supplied advertising or other material and is not obliged to return such to the Client. HL's obligation to store Advertising material ends three months after the last distribution.
6.4 HL will request replacements for unsuitable or damaged material. HL offers no guarantee for the agreed distribution of the advertising material in the event of improper or especially late or subsequent delivery, especially for achieving the booked page impressions.
6.5 In the event that the advertising order cannot be fulfilled due to improper, especially incomplete, late or lacking delivery of advertising material, the Client is obliged to pay HL the agreed fees in compensation.
7.1 Cancellation without costs is possible only until five working days before the agreed placement at the latest. Cancellation must be in writing (by post, fax or e-mail). In the event of cancellation at short notice, HL is entitled to charge up to 80% of the net order value of the still to be delivered campaign volume. This is in addition to the fees charged for already placed online advertising. In this respect, the discounts applicable to the reduced volume are applied.
7.2 If the Client terminates the advertising order without good reason (see Paragraph 649 Sentence 1 BGB [German Civil Code]), he shall pay for the services delivered free of defects up to the date the notice of Termination becomes effective. The Client is also obliged to pay HL a lump sum compensation for damages in the amount of 10% of that part of the order amount which was not performed. The Client shall bear the burden of proof that the damages to HL were minor or nil. The assertion of an exceptionally high claim to damages by HL in an individual case is not excluded.
8.1 HL has the right to refuse or to block advertising material, including individual access within the framework of an order, if the content of such advertising material violates laws (e.g. copyright, competition, press or criminal laws) or official regulations or if said content had been objected to by the German advertising council in the course of an appellant process, or if it would be unreasonable to expect HL to publish same, due to Content, origin or technical form.
8.3 HL will inform the Client without delay of any refusal or blocking. In this case, the Client is entitled to make changed or new advertising material available to HL which complies with HL's requirements. HL may Charge the Client for additional costs arising from this.
payments yet, the Client shall be obliged to reimburse HL for already accrued costs.
9.1 The Client guarantees and assures that he has obtained all the rights required for the placement of the Advertising material and that he has in particular obtained all the required rights of use from the owners of copyrights, ancillary copyright and other rights to the advertising documentation and text he has provided and may freely dispose of such.
9.2 The Client exempts HL from all third party Claims against HL which may arise from the violation of Copyright, competition, press or criminal laws or other legal stipulations. The Client furthermore exempts HL from the costs of necessary legal defence. The Client is obliged in good faith to support HL with documentation and Information in legal defence against third parties.
9.3 To the extent in time, volume and content necessary for the execution of the advertising order, the Client transfers to HL all the required copyrights, rights of use and ancillary copyrights required for the use of the advertisements in online media of all kinds, including the Internet, including especially the right to copy, Transfer, transmit, process, read and download from a database. The above rights are transferred spatially unlimited in all cases and entitle to placement using all known technical means and forms of online media.
10.1 HL guarantees, within the framework of predictable requirements, the best possible reproduction of the advertising material under the current technical Standards. The Client is aware, however, that it is not possible according to state-of-the-art to create a programme totally free of errors.
10.2 An error in the presentation of the advertising material is particularly not given if the impairment is caused by the use of unsuitable display software and/or Hardware (e.g. browser), by faults in the communication networks of other operators, by third party computer failure (e.g. other providers), by incomplete and/or not activated offers on so-called proxies (intermediate storage) or by failure of the Adserver lasting no longer than 24 hours (continuous or added up) within 30 days of the start of the contractually agreed placement.
10.3 If the AdServer should fail for a considerable period (more than 10% of the booked time) in the course of a time-limited fixed booking, HL shall endeavour to supply the missing media service later or to extend the insertion time. If this should not be in the interest of the Client or if later supply is impossible, the Client shall not be obliged to pay for the period of the defect. Further claims are excluded.
10.4 If the quality of the presentation of the Advertising material is not satisfactory, the Client is entitled to substitute advertising of good quality, but only to the extent that the purpose of the advert has been impaired. Should HL not deliver within a reasonable period given to him or if substitute advertising is impossible, the Client has a right to a reduction in fees or to cancellation of the order.
10.5 The Client is obliged to inspect the advertising immediately after its placement or its appearance on the website or on other electronic advertising media and to lodge a complaint about obvious flaws within a week after placement or appearance at the latest. If the complaint is not lodged in good time, the Client's guarantee Claims are voided. Should possible flaws in the advertising material not be obvious, the Client has no claim in respect of unsatisfactory publication. The same is applicable in case of flaws in repeated advertising placements, unless the Client points out the flaw before publication of the next advertising placement.
10.6 In the event of flaws in the execution of an advertising order, the Client is not entitled to refuse payment of another advertising order.
If an advertising order is not executed for reasons for which HL cannot be held responsible (e.g. caused by software or for other technical reasons), especially due to computer failure, force majeure, strikes, legal regulations, defects for which third parties are responsible (e.g. other providers), network operators or service Providers or other comparable reasons, the order will, as far as possible, be made good. In case of an order made good after an appropriate and reasonable time after remedy of the defect, HL's claim to compensation remains valid. HL shall inform the Client in the event of a considerable postponement.
12.1 HL does not guarantee uninterrupted access to the website; neither does it guarantee that specific results will be achieved by placing the adverts.
12.2 Claims for compensation of damages arising from active violation of contractual duty, culpability at contract conclusion and illegal action are excluded in case of slight negligence of HL, its representatives or vicarious agents. This does not apply to lack of assured properties and the violation of significant contractual duties, in which case liability is limited to foreseeable damage. Claims for damages arising from impossibility of the Service and delay are limited, in case of slight negligence, to compensation for foreseeable damage.
12.3 This shall not apply if the cause of damage is based on intentional wrongdoing or gross negligence for which HL is responsible or in the event of personal injury to life, limb or health.
12.4 Liability for personal injury and under the Product Liability Act remains unaffected.
12.5 Insofar as HL is obliged to compensate for damages, HL shall position the Client such that the contract appears not to have been concluded (negative interest); compensation of damages arising from non-Performance as well as for lost profits is excluded.
13.1 Unless individually otherwise agreed, the valid HL price lists at the time of conclusion of the contract are applicable to advertising orders.
13.2 HL reserves the right to change the prices. This is not applicable to those who are not businessmen if the order affected by the change is not part of a Framework agreement and is intended for execution no later than four months after conclusion of the contract. For orders confirmed by HL, price changes are only applicable if they are announced by HL at least one month before publication of the advertising material. The Client has the right to cancel in the event of a price increase. The right to cancellation must be exercised within five working days after receipt of the notice about the price increase.
13.3 Advertising agencies and other advertising agents are obliged to adhere to the HL price list in their offers, contracts and accounting involving potential clients of HL.
13.4 Discounts are determined in accordance with the HL price list valid in each case.
13.5 The Client grants HL the right, in the event of overdelivery of campaigns, to invoice an additional amount of up to 5% of the agreed volume.
13.6 The prices do not include the cost of production of the graphics and advertising material text.
13.7 All prices in the price lists are net and exclude the statutory VAT applicable at the time.
14.1 Invoices are generated on the day the Advertising appears. Unless otherwise agreed in writing, invoices shall be paid into an account specified by HL within 10 days of the invoice date, without any deductions. The credit advice shall determine whether the payment was in time. A special written agreement is required for the deduction of discounts.
14.2 HL may in principle request advance payment in the case of new customers and for the dispatch of newsletters.
14.3 All invoices are based on the reports HL compiles for the customer. HL must be notified of objections to Reports in writing within seven days. The basis of calculation is deemed accepted unless objections are raised in time.
14.4 Differences may occur between the statistics of HL and those of the Adserving system of the customer in the case of redirected campaigns. In accordance with the industry standard, differences up to 15% do not justify a complaint. HL is prepared to investigate the reasons in the event of larger deviations. The customer must for this purpose grant HL full access to his Adserving system for the relevant campaign. Unless such access is granted to the full extent, the figures of HL shall be definitive even in case of deviations exceeding 15%. HL shall submit a research report to the customer detailing the reasons for the deviations. The specific report thereby accepted as valid shall be accepted as the basis for the final account.
15.1 In the event of payment arrears or deferral, HL is entitled to charge interest of 8 percentage points annually above prime lending rate. If the damage suffered by HL following arrears is higher, HL shall be entitled to assert this. HL can furthermore, in case of arrears, postpone further execution of the current advertising order until payment has been made and demand advance payment for the remaining placements.
15.2 Objectively justified doubt about the paying ability of the Client constitutes justification for HL to make further appearances of this or further advertising material dependent upon advance payment and the Settlement of unpaid accounts, irrespective of any originally agreed method of payment. In justified cases, HL reserves the right to demand prepayment or security deposits.
HL is entitled to give written notice of extraordinary termination (by post, fax or e-mail) especially if the Client has not complied with his duty to pay after two warnings, if an insolvency procedure has been filed against his assets or if the Client has repeatedly violated his contractual duties. In the case of an extraordinary notice of termination, HL is entitled to cease placement of the advertising material(s) with immediate effect.
The advertising order is executed in compliance with the current legal data protection stipulations.
The Client is not entitled to sell, cede or otherwise transfer rights and duties under the contract to third parties without prior written consent by HL. HL is entitled to cede or transfer rights and duties under the contract to a third party at any time. The Client explicitly agrees to this.
19.1 Additionally, the Customer undertakes to comply with the Code of Conduct for business partners of the Haufe Group as in force from time to time, which can be viewed at resources.haufegroup.com/HaufeGroup-VerhaltenskodexGeschaeftspartner-extern.pdf. He duly acknowledges the provisions mentioned therein and agrees to them by way of his consent to these General Terms and Conditions.
19.2 The headquarters of HL are the place of execution.
19.3 The place of jurisdiction for legal disputes concerning business transactions with business people or legal entities under public law or in case of a special fund under public law, shall be the responsible court where HL is headquartered, but whereby HL may also assert claims against the Client at any other court responsible for that Client. Insofar as claims by HL are not asserted by dunning procedure, the place of jurisdiction for entities other than business people shall be their place of residence. If the domicile or usual place of residence of the Client, also in the case of entities other than business People, is unknown at the time a claim is filed or if the Client has moved his domicile or usual place of residence away from the region of validity of the law after the conclusion of the contract, then the place of jurisdiction, if the contract was concluded in writing, shall be the responsible court where HL is headquartered.
19.4 German law shall be exclusively applicable to concluded contracts.
19.5 Amendments or addenda to an advertising order, including supplementary agreements, shall be in writing to be legally effective.
ad types of Haufe-Lexware-supplier checks and lead campaigns, terms of contract for participating on the Internet platforms of Haufe-Lexware GmbH & Co.KG, Würzburg, the owner of all rights and contracts of the offer.
1.1 The supplier checks and the lead campaigns are posted with an entry of the completely filled and legally binding signed application form at Haufe-Lexware in Würzburg. The application cannot be made under delayed or cancelled conditions, such as connected to the exclusion of rival companies. The posting of the application is confirmed by the company in writing.
1.2 Anbietercheck.de is a platform, where suppliers can present their offers. The tools are designed such that users can research about suppliers and can select various criteria or compare them against each other.
1.3 A lead is the address record of a user who has requested an offer from the supplier, after an application via Double-Opt-In and has agreed to the data protection provisions for this purpose, knowing that Haufe-Lexware is authorised to forward the data to the supplier. The user has agreed that he/she can be informed by Haufe-Lexware or by the supplier via email, post or over the telephone about interesting offers for the given subject. Use of data beyond that is not authorized. A user can appear repeatedly within different lead campaigns for the various subjects of a supplier (e.g. personal and marketing). The difference lies in the different ways of acceptance of data protection statements for various subjects, which then authorize the supplier to contact the user for different subjects.
1.4 A lead campaign is carried out by Haufe-Lexware Media Sales, on behalf of the customer, in order to generate leads (addresses) of potential interested parties for these offers, for these customers.
1.5 The contractual relationship is created, by explicit, written acceptance, between the supplier and Haufe-Lexware (hereinafter company). It is signed for a period of one year from the commencement of the supplier's offer, unless otherwise agreed upon.
1.6 The supplier is under obligation, for supplying text and image material, to adhere to all guidelines of the applicable data protection right and the commitment to this contract, to use visitor data and other relevant statutory provisions, especially with reference to disclosure on the Internet.
1.7 Right before the supplier comes online on the Anbietercheck site or in a lead campaign, the supplier is contacted to clarify data handling and configuration of supplier presence, for final approval. The supplier is responsible for the input, maintenance and contextual accuracy of his information necessary for the entry of the company (text, image, sound, and all content appearing on his Social Media Wall and in the RSS Feeds with his news) and gives this information in the agreed Format. Contents can be updated and added by delivery to onlinewerbung@haufe.de. Accepted changes are processed within 5 working days. If a campaign and/or supplier presence cannot be approved on time i.e. just after commencement of the contract, because deadlines were missed by the issuer, the issuer will not have any claim on the financial compensation.
1.8 The company is not liable for the information in texts, images and audio clips provided by the supplier. The supplier is liable for the copyrights of the information in texts, images and audio clips used by him in the supplier check that he possesses and for ensuring that no rights of the third party are violated.
1.9 With this application, the supplier gives his consent that his details are stored, evaluated for purposes of lead campaigns and supplier presence and even forwarded to third parties in this context. He is also under Obligation to involve electronic evaluation programmes and agrees that information about its involvement can be circulated exclusively for promotional purposes.
1.10 The company is entitled to take photographs, video clips, screenshots and other documentation of the exhibition event, of the supplier presence and lead campaigns from the presented offers and to use them for advertising or press releases, without the supplier charging for them or making valid claims of any sort. This also applies to photographs, which the press or television media release with the consent of the company. Here, the regulations of copyright must be adhered to.
1.11 The company is entitled to modify the supplier checks or lead campaigns in layout and technology of the Internet appearance, if it serves the purpose of supplier checks and lead campaigns or it becomes necessary due to technical progress or if unexpected events demand it. The supplier has no claim for damage compensation in such cases.
1.12 Haufe-Lexware is entitled to work for suppliers of external search engine campaigns, text ads, ads and banner ads and to use its company name for purposes of lead generation. The campaigns are used exclusively to generate leads and traffic for the supplier of a campaign, which cause linking if the company name is used directly on the landing page of the specific offer for lead generation or on the company profile of the supplier.
1.13 Within the scope of financial justifiability, the company ensures maximum possible accessibility and security of the server on the Internet using technical solutions and daily monitoring. With this agreement, it refers exclusively to the risks of an information offer on the Internet and does not accept any liability and guarantee for short-term and temporary issues of the offer, as long as this is conditional, due to technical reasons, Internet or third parties or other reasons, which the company is not liable for. The same applies for protection and the possible misuse at the supplier's end, for published and used data.
1.14 The company will carry out the supplier checks and lead campaigns, in order to get as many visitors/ leads as possible. The company will consider the target groups of the supplier while selecting the media. The company does not give any guarantee for the number of visitors/leads. The supplier has no claim on a certain number of visitors/leads.
2.1 The supplier receives data for web statistics from the company, on request, regarding his presentation and on the Anbietercheck site and in lead campaigns, as Long as it is included in the contractual scope of the service packages. The supplier is under obligation, with this agreement, for the following provisions to protect the confidentiality rights of the visitor, for the benefit of the data protection from third parties, e.g. competitors and granting rights of the company.
2.1.1 The supplier is under obligation to handle lead data and statistics confidentially and to oblige to all persons authorized by him to adhere to the usage and commitment regulations of this contract.
2.1.2 The use of data is meant for the supplier exclusively for the purpose of personal business and for the purpose of use intended in this contract, which has been requested in the data protection statement. Forwarding to third parties or any other use (like for application of third Party campaigns of other suppliers) is prohibited. The supplier is responsible for any violations of this agreement.
2.1.3 The use of lead data by the supplier is related to the contractual service and usage scope and limited by the data protection provisions of the Federal Republic of Germany.
2.2. Use of acquired leads: Persons and contact data of leads, which the supplier has received from Haufe-Lexware, is available for use for your own business activity. Forwarding to a third party or use for application by third party campaigns is prohibited.
2.3 If the visitor denies further contact with the supplier later on or declares it as unwanted, the supplier is under obligation to grant it immediately and without any restrictions.
2.4 The company is entitled to modify the data structure provided to the supplier in contents, size and form, if it is or becomes necessary due to legal requirements. The contractual relationship is not affected by this and extraordinary dismissal, withdrawal or reclaim rights do not exist for the supplier.
2.5 The company is under obligation to ensure the quality and correctness of the information to be obtained as technically and economically possible and useful in the application procedure. It does not give any assurance of the correctness of individual data and information and neither accepts any guarantee for this nor is liable for possible costs and consequences in its utilization.
2.6 The company and the receiver of data are under obligation, according to Art 15 and Art. 17 GDPR, to provide information to a person, about his saved personal data, to correct it or delete it, upon request by the company. In case of a direct request of a person, the company must be informed, in order to implement the same for the remaining data.
3.1 The company charges for the supplier presence (value as per the scope) and for giving leads. All prices are in Euros net, plus legal Value Added Tax.
3.2 The obligation to pay the agreed fees comes on signing the contract, unless other settlement agreements are made for this order.
3.3 If payment dates are not adhered to, the company can withdraw from the contract or withhold the online release, upon prior written announcement. The Obligation to pay the charges remains valid.
Cession of receivables against the company as well as enforcing right of retention are not allowed.
5.1 The company is entitled to withdraw from the contract, if an insolvency procedure starts due to the assets of the supplier. The issuer has to immediately inform the company about this in writing.
5.2 In case of non-adherence to legal guidelines, the data protection and usage regulations of this contract and in case of delay in payment by the issuer, the company has the right to premature termination upon prior request.
6.1 Additionally, the Customer undertakes to comply with the Code of Conduct for business partners of the Haufe Group as in force from time to time, which can be viewed at resources.haufegroup.com/HaufeGroup-VerhaltenskodexGeschaeftspartner-extern.pdf. He duly acknowledges the provisions mentioned therein and agrees to them by way of his consent to these General Terms and Conditions.
6.2 The mutual rights and duties from this contractual relationship are subject to the law of the Federal Republic of Germany.
6.3 The exclusive court of jurisdiction for all legal disputes from this contract is Freiburg.
6.4 All claims of the supplier against the company have a validity of 6 months. The validity period begins from the time the claim has been made, at the latest however by the end of the month, in which the end of participation in the supplier check/lead campaign falls. These regulations are applicable in case of danger to life, body and health and unless the damage is caused intentionally or by gross negligence by the company.
6.5 If one of the above conditions is invalid, the contract as a whole remains unaffected by this. The invalid regulation must be replaced as far as possible by a valid regulation, in terms of the financial and contextual objective, which is then a part of the contract.


The right tool (needle) for the job.
Having talked about technique, I am going to focus on the qualities of a range of different needles referencing my own technique and needs but also referring to other knitters whose skills and opinions I value, so you get a fuller picture. I'm limiting this post to the choice of needles available for garment knitting – in particular needle sizes from 3mm up. Sock needles have some different options.
I think it is useful to start with an analogy to something you use every day – cutlery, as in knives, forks, spoons and chopsticks. Most of the time we don't even think about how well cutlery works until something we eat creates a challange – a knife isn't sharp enough, we struggle to eat rice. Knitting needles are a lot like this – in many ways they are a very simply constructed tool and as long as some basic parameters are met they will do the job they are designed to do – help you create a knitted fabric. There are also times when you are eating out or pick up a peice of cutlery in a shop and pause because you notice it has a nicer "feel" than your normal utensils. Good knitting needles can be bit like that.
So what are the basic parameters for any good knitting needle? These apply to all types – straights, DPNs and circulars.
They need to be smooth – certain materials are more slippery than others, but you need to be able to run your hand down the length of a needle and not feel like it is catching on anything. Probably the most likely needles to have a catch along the length are wooden, but it is possible to find pitting in older metal needles. I believe carbon fibre can occassionally get knicks along the length. Cable connections are also a source of catch but I'll talk about that seperately.
The needle tip needs to have a sufficiently sharp point to suit the knitting project you are working on and that point also needs to be smooth. Wooden and softer plastics tend to have a more rounded points than acrylic and metal. Metal tips in particular can be very sharp especially if designed specifically for lace knitting.
If you are using a circular needle with a cable – the cable needs to join as smoothly as possible with the needle, and have the flexibility you are comfortable with. Knitters have varying tolerance for how cables behave – I am on the tolerant side so don't notice a huge difference unless it's particularly unresponsive or "sticky". Please comment if you have stronger views that may help a new knitter.
Pretty much every needle you buy new, regardless of price will meet these criteria. However as soon as you move beyond a single material needle and join it with something else you add in places you can get a catch. So if you add a metal tip to a wooden or carbon fibre needle there is a potential catch point, if you attach a cable with a metal cuff onto the needle there can be a catch point, if you offer the option to be able to change the cable, you create a potential catch point for that join. Very few of us tolerate catching at those points very well. In particular cable connections are one of the main areas where needle quality is debated.
So if all needles can do the job, why spend money on better quality needles? Simply because the right needles for you are nicer to knit with. A couple of years ago I went to a knitting gathering here in Kuala Lumpur and I forgot my knitting. A knitter visiting from Thailand loaned me a garter stitch project she was working on and despite one of the needles having a slight chip after 30 minutes of knitting and chatting I had to ask her "what is this needle?" She glanced at it and told me it was an old Lantern Moon interchangeable. Unfortunately you can not get Lantern Moon needles any longer and I will always regret not biting the bullet and buying a set before they went out of production (they were 2-3 times the price of typical needles). That rosewood Lantern Moon was one of the nicest, most comfortable needles I have ever used and has become kind of my personal gold standard.
A really good needle is light in your hands, has the right degree of slip so the fibre you are using moves across the needle smoothly, at a pace comfortable to you, and generally helps you knit efficiently. You shouldn't feel like you are fighting the needle and if you are knitting for a couple of hours your hands should feel relaxed afterwards as opposed to cramping and achey. If you knit a wide variety of fibres and types of projects the right needle can be different based on project type or even the part of the project you are working on. As I noted in my first post I typically have difficulty knitting for any length of time with metal needles so there is a bit of a skew in my descriptions to other materials. I also realised that I probably need a glossary post of techniques e.g. magic loop, top down, bottom up, in the round etc which I may write another day .
Quality also includes the issue of manufacturing defects and wear. The more needles of a brand that are in circulation the higher the number of knitters who are going to experience a manufacturing defect at some point in their experience with that needle. If you knit a lot chances are you will deal with needle/cable failure at some point. In IT we talk about the more complex the technology the more points of failure are introduced and that is definitely true of cable connections on interchangeable needles. I will talk about defect issues as I go but for those of you reading with prolific knitting experience I would also suggest you keep wear in mind. When I am sewing garments I change the machine needle regularly – I expect the point to get blunt and for the tip to possibly break. While a good quality needle investment can be significant, compared to how much many of us spend on yarn, its worth being mindful that needles do wear and with circulars the cable is the weakest point.
When a cable gives out at the join after being used in multiple projects, or a well used tip strips it's screw it may be annoying but if it has served its purpose well – then maybe its just time to replace it. In many knitters' minds there are these fabled "grandma's needles" which lasted forever; when in fact most of the grandmas I know replaced their needles on a fairly regular basis as the tips wore, the metal finish roughened, the old casein plastic became brittle with age and snapped. While it can be lovely to have a pair of vintage tortoise shell needles I wouldn't use them for everyday knitting.
So having covered all that – I am going to run through the massive pile of works in progress I have at the moment which have multiple different needles in them and talk about what I like and don't like.
While typically my examples are using circular needles most brands are also available as straights and DPNs if that is your preference.
Jon's Hearthstone in Brooklyn Tweed Shelter.
This project is for my youngest son (who is 6'2" so there is a lot of knitting) It is knit in Brooklyn Tweed Shelter which is woollen spun and quite a "crunchy" yarn. It's not soft and slippy like merino and possibly if I wanted to risk my hands would be easier to knit on a metal tip.
I have used four different needles on this project – the bands and the first 10 cm of body knitting were done with Knitpro Royale interchangeable tips, the bulk of the body was knitted with a Pony Rosewood 80 cm fixed circular and the second sleeve I switched from the Royale to a Knitpro Trendz (acrylic) tip. The body of the first sleeve was done with a Knitpro wooden Symfonie tip.
So lets start with Knitpro (Knitters Pride in the United States). When I first got back into knitting sufficiently to consider refreshing my needles – Knitpro was the first option readily available in the interchangeable space. And the concept of an interchangeable needle was a significant influence in the move to knitting everything on circulars. At that stage they were available mainly as Symphonie wooden tips and Nova nickel tips in both regular and short versions. They also produced an acrylic tip (Spectra and Trendz), carbon fibre and more recently a wooden needle with a metal tip (Royale) and an aluminium version (Zing).
I think it would be fair to say that there was a point when there seemed to be quite a few manufacturing defects with Knitpro cables – it was almost as if they had sourced a bad batch of fittings. For a while it seemed everyone had a story of a needle tip or cable not working properly. However it could also have been the sheer number of needles in circulation and the amount of garments they had knitted (if you have 10,000 needles in circulation and a 1% rate of manufacturing defect – thats 1000 needles, even a 0.1% will have a 100 stories circulating – which in NZ is a lot) So I am going to go out on a limb and say – given the number of Knitpro needles I have sold compared to the number of needles and cables that end up in the faulty box (hundreds compared to maybe a dozen over six months) this is a solid, reputable needle and a great place to start if you want to try an interchangeable circular. It was noticeable in Europe that a number of needle suppliers where distributing KnitPro under their own branding e.g. Prym.
Of all the Knitpro needles acrylics have the worst rep. The acrylic circulars (Trendz and Spectra) have a nasty habit of the the tip chipping and are more inclined to loosen where the tip joins the metal screw fitting. While they have a more limited life expectancy, the price reflects that. Because of these issues a number of NZ Knitpro stockists no longer stock them, although they are still available, and I'm sure most of them will order in if you would like to try them. If you are a tight knitter it is possible to snap them but they are far more flexible from 3mm up than almost anything else available. For me – this is a needle tip I keep going back to with bigger projects when my hands are tired. I like that the points are sharper than wood, the needle is a bit more slippery, they are very light and the flex works well with my knitting style. The Trendz and Marble versions are colour coded by size, and one of the nice things about acrylics is they have a very wide size range at the upper end making them cost effective for a one off project. If you have arthritis in your hands and still struggle with hand pain despite having switched to circulars and wood these are worth a try. I don't like them quite so much when I have a lot of fabric weight on them – for instance in this project I used them to magic loop the main part of the sleeve but used wood for the body. Yes, there are better needles out there, but these are still a great needle option.
I did the Hearthstone bands with KnitPro Royale which are a new addition to the range. When I first saw the Royales, apart from the fact that they were coloured by size, I was attracted by the metal tips on a wooden needle. I thought this could be a good option for lace projects where I find wooden tips are not always sharp enough. I like them as needles and have done several projects on them – including a colour work jumper for Elliott, but I'm not quite convinced. It probably doesn't help that it was a 3mm Royale tip I snapped while doing a cast on for that project, and I am concerned that the metal tip adds an extra potential catch point. When using the 4mm on Jon's Hearthstone – I think the wood shaft was just a bit too grippy with the stickiness of Shelter and the mix of material (metal tip then wood body) was subconsciously confusing. It was as if I expected my knitting to move more smoothly as if it was on metal. The next project I am going to try them with uses silk and I'm interested to see how that works out.
These could be a great needle for a knitter who prefers wood as a material but likes the precision of metal tips and the stability of a metal needle (less flex) I also think the straights and DPNs would be a lovely needle choice if you prefer those and do a lot of knitting where you want a precise tip.
Symfonie are KnitPro's laminated wood needle which along with Nova metal tips are probably the needle tip many of us started with as an interchangeable. It has a very small degree of flex at small to medium sizes and the points are reasonably good in smaller sizes. There is a bit of a catch 22 for manufacturers as the finer you make a wooden needle point the more fragile it can become. The challenge is finding that sweet spot between sharp enough for managing stitch patterns while sturdy enough not to splinter. Being wood these needles can break and most of us who use them have at had at least one moment where we have sat down on or stepped on knitting and heard an ominous crack. I personally prefer these to a bamboo tip – something about how they feel in my hands. They work with a wide variety of fibres including cotton and soft wool blends.
While I am on the topic of Knitpro is worth adding in my experience with Nova and Zing.
Nova is a nickel tip – a small percentage of knitters are allergic to nickel (you may already know this from jewellery and watches containing nickel) And it is a metal needle so should be approached with caution if your hands fatigue quickly using metal.
The nice thing about Nova is that it is very slippery – maybe too slippery if you are working with something like silk or are making your first foray into fine laceweight yarn, but great for working on a project with a yarn like Shelter. I had forgotten about it until I was looking for something else, but I started a Twigs and Willows with it last year using Nova and it was definitely easier. I actually can work with Novas for a reasonable length of time before my hands start to protest – I have got older Nova tips showing a distinct curve from my technique but they tend to be at the bottom of my list for needles at this size.
Zing are aluminium and are colour coded by size. They are very pretty needles and are actually a close favourite for me to my acrylics and wood. The brushed finish means they are not quite as slick as a Nova but the yarn still moves very smoothly across them. I haven't used a garment weight pair of tips long enough to tell if it will warp and I haven't used them for a sustained knitting session to the point where I might notice fatigue so the jury is still out.
I use Nova and Zing a lot more for sock knitting so will get a bit more in depth in that post.
The back story on this needle is that when Tash and I were at H+H Cologne in March one of the main things we were looking for was a new range of knitting needles so customers had a choice. I was on the hunt for something as good as, but maybe not as Rolls Royce priced as the rosewood Lantern Moon I had fallen in love with. Just as we were leaving on the last day and as Elliott was losing it a bit (after being brilliant most of the time we were there) I ducked into the Pony stand as I had spotted a different needle at the bottom of a display stand. They had some out as testers and in the five minutes I had to knit a row it felt like it was pretty close to my Lantern Moon experience. So I used Google to track down an online supplier when I got home. It was harder than I thought and I am not convinced what I bought was quite the same – the European one had a slightly different cable attachment.
However the needles were definitely an improvement on the Royale for slippiness on the body of Jon's Hearthstone. Having knitted over 40 cms with them my biggest issue would be the cable isn't quite right – it felt like I was tugging at it to move stitches along quite often. I also had a minor issue with the needle points not being as smooth as they could be, but that could have been from damage in transit (they had slid out of the bubble wrap within the envelope). These are an expensive needle ($24 US before postage) compared to other more easily available options and I don't love them enough to recommend them. The needle was close to the feel of Lantern Moon but the lack of swivel and drag on the cable made using them harder than it should have been. I'd like to have another look at the sample set and see if it was different as the rep commented it had a swivel join which the ones I got didn't have. If you are in Europe and see them – possibly worth checking out.
There are needle sizes that you use all the time and have heaps of and then there are the sizes that you only use occasionally. This is where having at least one set of interchangeable needles can come into its own. Vianne needed 5mm needles when my others were otherwise engaged so I pulled out my Denise sets. The Vintage Purls Max I'm using was an Unwind final day "have to have" purchase from several years ago.
Denise are an earlier brand of interchangeable needles that have been regarded as good starter set at a lower price point in the United States. I believe they may have had some erratic supply issues at one stage when the business ownership was transitioning but I have not had any problems ordering them. To my knowledge they are not stocked by any yarn stores in New Zealand and if you are interested it is more straightforward to order them direct from Denise. Apart from being curious about the way the needle and cable click together, and how a plastic needle would perform, I was attracted by the very cute portable sets, especially as I travel so much.
These are a soft plastic needle that click into a slightly thicker cable than most interchangeable sets. They come in a limited size range that doesn't go below a 3.75 mm. They have both a standard length tip and a short tip option and you can choose which colour range you would like – grey, pastels or primary. Both the sets I have bought came in a very compact little fabric case which folds in on itself and is great to have in your bag when you are away for several weeks.
At the 3.75 and 4mm size I found they almost have too much flex but for the 5mm this project needed they are fine. In a perfect world I'd like the needle to be a touch longer but once I have got back into the rhythm they work well with my technique. The rounded tip takes a touch more concentration with lace (this pattern has a k2tog, yo sequence across most of the back) but the best way I can describe this is that they are very mentally undemanding needles – you can focus on the project rather than be distracted by the tool. And despite my comments about the smaller size, when I switched a doll's coat project onto them from straights over the weekend it felt like my hands gave a sigh of relief.
There are not many New Zealand knitters using these needles, but if you need a very forgiving needles for your hands this is definitely a brand worth checking out.
I started this project not long before Knit August Nights in either 2014 or 2015. I love the colour of this Vintage Purls Sock and Myrtle just seemed a perfect pattern for it. Being bottom up and sock weight it was always going to be a mission of a project and being on a 3.5/3.75 mm the smaller needle was already a challenge in Symfonie.
As I was finding wood a bit sticky and the pattern has a lot of lace I thought it would be a good project to test out a Chiaogoo needle. Chiaogoo have become the needle of choice for many knitters. They are light, smooth, have a great cable join and come in a variety of lengths and configurations that other brands don't have. The needle is stainless steel which makes it usable for knitters who have an issue with nickel, and also ensures it is pretty robust.
I really wanted to like Chiaogoos but after 4 (long) rows my hands were beginning to cramp and after 6 rows I stopped. As you can see – so did the project. I'm thinking of trying a KnitPro Zing or a Lykke when I pick it up again.
I didn't totally give up on Chiaogoo – in Malaysia it is hot enough that I have projects I might only knit two or three rows at a time so I asked Morag to send me another pair of tips with an extra long cable for another project.
The project I needed it for is Rachel which uses a semi traditional Shetland approach of creating a very lacy shawl by knitting laceweight on a larger needle – in this case a 5mm. It starts with a centre square and then picks up the border for the lace. The garter centre panel was much better on the Chiaogoo tips compared to Symfonie but when I picked up the lace border and had to purl I began to notice the stitches seemed to get stuck at the needle neck. If you look closely there is quite a sharp narrowing at that point compared to the taper of KnitPro wood and acrylic – this isn't unique to Chiaogoo as the Knitpro Nova is very similar.
This is an edge case for a needle of this size – it's unusual to use this thick a needle to knit a shawl using this yarn weight. But it is worth mentioning as many knitters turn their attention to shawls like Bubbles after Neve Ardern-Gayford was introduced to the world wrapped in one. This generation of older patterns quite often need this disproportionate needle to yarn. It took me quite a while to figure out why the stitches weren't moving smoothly.
Assuming you have no issues with a stiff metal needle the Chiaogoos are definitely worth considering. I would suggest you try a cable and tips in a size you use frequently before you order an entire set – beautiful as those sets are. They do have less movement than nickel and aluminium (I have managed to gradually bend a 4mm nickel needle which I certainly can't imagine doing with a Chiaogoo) In the case of Chaiogoos I trust the knitters I know who love them when I recommend them. I haven't tried the bamboo tips mainly because I am pretty comfortable with the options I already have but I probably should try and do that in August and do an addendum post.
It is a good idea to buy an individual set of tips and a cable in a size you use a lot for any brand and knit something before you go ahead and purchase a full set of interchangeables.
I feel a bit like I have run out of breath! I am going to finish this post here with a promise to do a sequel within the next few days. I also wanted to talk about knitting small circumferences – and there are at least three more brands of needles that deserve covering including my potential new close to perfect needle. Plus I think there is a discussion to be had about when to choose/buy interchangeables versus fixed circulars.
I am pressing pause for the moment as I am hoping a parcel arrives shortly from Anne at Wild and Woolly in London with a Japanese bamboo needle that she really rates. I'd like to add that in as another outlier, plus I am tracking down an Addi Click (I use Addi for socks rather than garments). There is also how well Hiya Hiya, Clover and Lykke stack up in my quest for the perfect needle.
In the meantime I am going to do a quick post about a project I did over the weekend which reduced the seams in a vintage doll's coat pattern. It covers the approach and also ended up creating a simple next step pattern for a novice child knitter.
Thanks for reading and commenting – I really appreciated the feedback and encouragement.
And last but not least I will be at Knit August Nights and will have all the needles I have discussed with me – so if you would like to catch up and try out some of the less common brands let me know and we can arrange a time.
← So what's the deal with knitting needles?


text:
Home > Alcohol Addiction and Abuse > Alcohol Rehab > Facts About Alcohol
Many people drink alcohol without knowing much about it or what it does to their bodies. Get yourself clued up about alcohol by reading our guide.
Alcohol And The Brain
Although alcohol can initially make you feel confident and happy, it makes you depressed after its effects wear off. Alcohol makes your brain work differently by slowing down the central nervous system and altering the GABA neurotransmitter. When GABA is messed up, it leads to drops in serotonin levels, making people feel anxious and depressed.
Drinking large amounts of alcohol can seriously affect your quality of life by causing long term brain damage. Heavy, long-term drinking can cause alcohol-related brain damage (ARBD) when prolonged drinking causes the brain's shape and structure to change. This is down to reduced vitamin B1 and alcohol toxicity. Symptoms include mood swings, a changed personality, confusion, forgetfulness, and impulsiveness.
Heavy drinking increases the possibility of getting dementia, such as Alzheimer's Disease. If you drink as a young adult, this ups your chances of getting early-onset dementia.
Alcohol can severely impact your mental health. We're not just talking about feeling slightly low the morning after drinking. Alcohol can cause depression, anxiety, mood swings and anger. Heavy drinking can lead to bipolar disorder, schizophrenia, hallucinations, and challenging personality disorders on the more extreme level.
Alcohol And Physical Health
Drinking low levels of alcohol won't affect your physical health. But if you drink large amounts of alcohol (over many years or a shorter period), it can cause problems. Alcohol causes vomiting, slurred speech, irregular breathing, alcohol poisoning, dull skin and hair, lack of energy, headaches and stomach cramps. Your coordination and balance can be affected in the short term, leading to falls and accidents.
If you're a heavy drinker, alcohol can cause severe long term physical effects. These include liver disease, liver cancer, stroke, heart attack, bowel cancer, mouth cancer and pancreatitis. The worst cases of alcohol abuse can lead to death and brain damage.
Safe Drinking
UK's chief medical officers advise men and women to drink a maximum of 14 units of alcohol a week. This translates to six pints of lager or beer or six medium glasses of wine, ideally spaced out over three days.
Binge drinking is drinking lots of alcohol over a short space of time. Your liver can only break down one unit of alcohol per hour. Drinking between three to four units per hour is too much, so it's important to keep tabs on your drinking, or you could be at risk of alcohol poisoning. Keep track of the alcohol content of your drinks, so you don't exceed your recommended units. Beer strength can vary from 3% to 6%, and wines measure between 11% and 13%.
There were 7,423 deaths in England and Wales in 2020 due to alcohol abuse, the highest figure in 20 years. 80% of deaths were due to an alcohol-related disease, 10% were due to mental health conditions caused by alcohol, and 6% were from alcohol poisoning. The number of men who died from alcohol-related causes was double the number of women.
Alcohol played a factor in 24,000 deaths in the UK in 2017.
20 people die every day in the UK due to alcohol abuse.
200,000 children in the UK live with a parent who has a drinking problem.
It costs the NHS £3.5 billion every year to treat alcohol problems in England.
It's estimated that there are 600,000 alcoholics in the UK.
Alcoholism doesn't just severely impact individuals and their families. It affects society through alcohol-related crime and violence and lost days at work due to alcohol- related illnesses. The estimated social cost of alcohol is £21 billion per year.
Alcohol And The Law
It's against the law for anyone under 18 to buy alcohol. This covers supermarkets, online, off licences and pubs or restaurants. You can drink alcohol at 18 in various premises, but some shops won't sell alcohol to people who look under 21.
What about driving and the law? Don't drink alcohol if you're planning on driving. It's against the law to drive if you have more than 80mg per 100mg of blood in your body. Order a taxi or get a sober friend to give you a lift home if you want to drink.
The official name for the type of alcohol you find in drinks is ethanol. Other types of alcohol, such as methanol and butanol, found in counterfeit drinks are both illegal and highly dangerous. Fake alcohol can cause blindness, serious liver failure and death. You can often tell if you're buying counterfeit alcoholic drinks. The labels and packaging are shoddy and sold at odd places such as car boot sales.
Alcohol And Its Risks
Alcohol can impair people's judgement, giving them the confidence to do things they wouldn't normally do. This false confidence can lead people into dangerous situations due to a loss of awareness.
Alcohol misuse leads to people losing items such as keys, wallets and phones, making them more vulnerable than if they were sober.
Excessive drinking can lead people to have unsafe sex or engage in risky sexual activity, and incidents of alcohol-related violence increase.
Slang Names For Alcohol
People often use slang terms for alcohol when they want to mask their drinking or fit in. Young people will often use slang to describe alcohol. In 2016, 46% of girls and 43% of boys aged between 11- and 15-years old had tried alcohol.
Everyday slang or street names include booze, brewski, giggle juice, poison, hooch, firewater and sauce but new names pop up all the time.
Where To Get Help If You Have An Alcohol Problem
If you suspect you have a problem with alcohol or are concerned about a friend or family member, some places can help. Visit your GP for advice. They can refer you to local services and support services. Join a local support group such as Alcoholics Anonymous (AA) to gain support from other people struggling with addiction.
You can also contact private alcohol rehab clinics, such as those run by Rehab Clinics Group. These are specialist treatment centres that provide alcohol detox, rehab, counselling and aftercare to help people live a life free from alcohol.

redpajama_set_name: RedPajamaCommonCrawl


text:
8 Oct 2014 // Airport Analysis // Comments OFF
Traffic growth of 20% expected in 2014 for Moscow's fastest growing airport in 2013 – Vnukovo
Moscow Vnukovo May 1988. US President Ronald Reagan arrives to meet with the leader of the then Soviet Union Mikhail Gorbachev. The two world leaders held a famous summit meeting which finalised the Intermediate-Range Nuclear Forces Treaty, which marked the start of the end of the Cold War. They also discussed the pending withdrawal of Soviet troops from Afghanistan. We're unsure if airline route development made it onto their busy agenda.
Moscow's oldest serving airport ‒ it was opened in 1941 ‒ Vnukovo (VKO) is also the closest to downtown Moscow, beating Moscow Sheremetyevo (SVO) by just one kilometre (17 versus 18), while Moscow Domodedovo (DME) is 26 kilometres south of the city. While Vnukovo is the smallest of the three main Moscow airports, handling 11.1 million passengers in 2013 versus 30.8 million at Domodedovo and 29.3m at Sheremetyevo, it was the fastest growing, posting a 15% annual increase compared to 9.2% at DME and 11.7% at SVO. In fact, Vnukovo has nearly doubled in size since 2007, when the airport handled just 6.8 million annual passengers. Traffic growth for 2014 is currently outstripping that which was achieved in 2013, with average monthly increases of 20% being recorded between January and August, rising from 7.28 million passengers in 2013 to 8.71 million this year. If this level of growth is maintained then the airport could break 13 million annual passengers in 2014.
Vnukovo valued as 'good' by SVID
Entering Vnukovo's monthly passenger data for 2013 into anna.aero's Seasonal Variation in Demand (SVID) calculator, the airport performs well, generating a score of 5.97 ‒ a 'good' rating. With nearly 60 seasonality performance evaluations completed so far in 2014, the airport will be perhaps be a little disappointed with its global ranking of 40th, in the bottom third, nestling in between Edinburgh (5.81) and Samara (6.32), however it has improved significantly on its 2012 performance of 7.32, which is a positive sign for Moscow's third airport.
Source: anna.aero European Airports Traffic Trends database.
Evaluating Vnukovo alongside its bigger Russian capital city peers, we also ran SVID calculations on significantly busier Domodedovo, the world's 50th busiest airport (5.55 – 'good') and the similarly-sized Sheremetyevo, which generated another 'good' result (3.91). Like most Northern European airports, all three Moscow airports peak in August, and also have their seasonal lows in February, with winter traffic flows representing just 46% (VKO), 52% (DME) and 57% (SVO) of the summer peak.
Turkey and Germany biggest international markets
Perhaps unsurprisingly, domestic capacity from Vnukovo to the rest of Russia is the largest country market at the airport. The biggest reduction in weekly flights in the last year has been to Ukraine, which has seen its capacity tumble from 95 weekly flights in October 2013 to just 25 this year ‒ obviously for the well-documented political reasons. The largest annual increase was witnessed on routes to Latvia which has grown by a massive 157% over the past year, seeing it jump from #18 market to #7.
Source: Innovata / Diio Mi for w/c 7 October 2014.
Country markets which have been added to the Vnukovo network portfolio since last October include Cyprus (11 weekly flights), China (five), Dominican Republic (two), Bulgaria (two), Maldives (two) and Cuba (one). However the net gain of countries served is only four, as Thailand (six) and Estonia (five) have been lost over the same period. This comes as a result of Transaero Airlines moving its Phuket (previously four times weekly) and Bangkok (previously twice-weekly) services to Domodedovo, whereas UTair has cancelled its five times weekly operation to Tallinn.
Top 10 airlines control 94% of VKO market
The top 10 airlines command the lion's share of weekly seats, leaving just 6% for the remaining 12 serving carriers. Although some of the names have changed since last October, the top 10 airlines' proportion of Vnukovo's flying has remained consistent, at 94.3% in both periods. The #1 carrier UTair has contracted by 18% over the last 12 months, with capacity seemingly being shifted to its subsidiary UTair Express which has increased its weekly seats by over 200% in the same timeframe.
The list of serving carriers at Vnukovo has been bolstered by the arrival of three airlines since last October, with the likes of Blue Bird Airways being joined most recently by flydubai (which launched daily services from Dubai launched on 23 September) and Wizz Air Ukraine (thrice-weekly from Kiev Zhulyany on 30 September). Over the same period, the airport has seen the withdrawal of operations by Red Wings Airlines.
Sochi slides from top spot
Clearly there was a lot of pre-event traffic in the run-up to the Sochi Winter Olympics (which were held in February 2014), as October 2013's biggest route from Vnukovo was to the city on the Black Sea coast. Since then the route has fallen back to its present position of #3 route at the airport, experiencing a near 40% cut in weekly seats. Leaping ahead of Sochi are St Petersburg and Istanbul (IST), which have both posted double-digit annual growth of 14% and 21% respectively.
However, the most dramatic ascendancy has been experienced by services to Antalya, which have rocketed from lowly 33rd to fifth place – nearly 250% more seats than a year ago. While no other city pairing compares to the reductions felt on Vnukovo to Sochi, the 20% fall on seats to Krasnodar comes closest, with the drops encountered on Frankfurt and Tel Aviv, the only other routes amongst the top 12 witnessing annual capacity falls, being at best described as negligible (both below 1%).
Aeroflot Blue Bird Airways Bulgaria Air DME EDI flydubai KUF Red Wings Airlines Rossiya Airlines SVO Transaero Airlines UTair UTair Express VKO Wizz Air Ukraine


Home >Xchange >Posts > Survey says… How does your retirement plan stack up?
How do we stack up? That's the one question that many advisors are asked over and over by plan sponsors. Everyone wants to know how their plan compares to others and, more importantly, what steps should be considered to improve the plan.
Although we have developed a best practices program for advisors who work with plan sponsors, we remain committed to staying apprised of the latest trends. The Callan Institute conducts timely research, and its annual survey is widely followed and helps advisors and plan sponsors keep abreast of best practices and the most important developments in the industry.
Callan's most recent Defined Contribution (DC) Trends Survey incorporates responses from 106 DC plan sponsors, including both Callan clients and other organizations. As in prior surveys, the majority of respondents offered a 401(k) plan as the primary DC plan, and more than 90% of plans in the survey had over $100 million in assets, with more than 62% classified as "mega plans" (with more than $1 billion in assets).
So admittedly, the Callan survey focuses on the largest segment of the market, but advisors serving smaller plan sponsors should not be disinterested. Rather, we believe practices that typically begin at the upper end of the market eventually migrate down into the midsized and smaller plans. It definitely matters what these mega plans are doing, and there is much to be learned from them.
1. All about fees: Defined contribution plan sponsors are continuing their intense scrutiny of fees. Participants paid all investment management fees in more than three-quarters of plans in the survey (and nearly always paid at least a share of the fees). However, there was a significant drop in the percentage of plans in which participants paid all administrative fees, down from 63% in 2017 to 33% in 2018. Some shifting of costs appears to be afoot, and it will be interesting to see how this changes going forward, particularly since slightly more than half of plan sponsors are likely or very likely to conduct a fee study in 2019. Stay tuned. And for more information on fee transparency, check out Fees in focus.
2. Participant communication matters: In addition to fees, a focus on participant communications and financial wellness ranked among the top three priorities from respondents. Unsurprisingly, for the second year in a row, financial wellness ranked as the number one upcoming area of communication focus. The importance of communication (and education) with participants cannot be overestimated (which is why we created Knowledge is power), and anything that advisors can do to help their plan sponsors along these lines is value-added. This includes offering access to basic financial education and budgeting tools for financial planning.
3. Fiduciary focus: Survey respondents reported that the most important action plan sponsors took within the past year was to improve the fiduciary position of their DC plan. Again, a key component of this is fees, not surprisingly. Beyond this, the next most important steps undertaken were related to implementing, updating, or reviewing the investment policy statement. Retirement Matters includes three checklists that can help you stay on top of your fiduciary responsibilities.
The Callan survey offers a wealth of information that touches on numerous other subjects as well, including ways to measure plan success, fee policy and the use of consultants, automatic features built into funds, and the use of target date funds, among others. We encourage you to review all the key findings and see how your clients' plan measures up.


Janet Matton has had extensive experience in the IT industry and in business management.
She joined IBM on completion of her Bachelor of Business Degree. During her 34-year career with IBM, she held a variety of positions in the areas of general management, sales, marketing, technical management, and services. She spent 12 years working for IBM outside of Australia holding key roles in Southeast Asia, the United States, Japan, China and Europe. Janet held the role of Vice President of Operations for IBM Australia / New Zealand until October 2013. In that role she acted as the 2IC to the Managing Director of IBM.
Janet is now pursuing her next career as a director, coach and mentor. She was appointed to the board of Epworth Healthcare in November 2013.
In recognition of Janet's experience in the field of IT and her passion for women in business, she was honoured to be named as the 2010 Victorian Telstra Business Woman of the Year in October 2010.
In October 2012, she was named as one of the 100 Women of Influence in Australia today, in the inaugural Westpac/AFR Women of Influence Awards.
Janet is invited to speak regularly to business groups on the transformational capabilities of IT, leadership, women's issues and the importance of Asia to Australia's future.
Find out if an Executive behind closed doors membership is suitable for you and express your interest today.


Access Advantage providers are distinguished by their lasting commitment to performance. Built upon the solid foundations of expert and tenured staff (many post acute providers experience staffing turnovers of 50% annually), our provider's bring the gift of organizational longevity to every admission, service or treatment.
Access Advantage's commitment to proving our providers excellence is a matter of profiling what they are already accomplishing. In 2009 the Access Advantage Performance Improvement Workgroup decided to profile nursing facility Return to Hospital (RTH) rates believing that potentially avoidable rehospitalization within 30 days is indicative of premature discharge and/or inadequate communication, education, or performance at some point in the care continuum.
The bottom line- our Access Advantage member's are providing exceptional care at less than half the average for RTH. Our RTH data collection project continues, believing it will become a highly effective tool in identifying the overall performance of care as a quantifiable measure of effective communication and quality as the individual transitions from hospital to post acute care providers.


text:
Creating Hope and Opportunity for Individuals and Communities through Education
The CHOICE Act, S.235, seeks to expand opportunities and foster success by providing students and parents greater choice when it comes to education. Senator Scott strongly believes that great teachers can make all the difference in a child's life, and every student should have access to the school that best suits their unique needs.
Ensures Children with Disabilities Get Educational Options Best Suited for Them
Approximately 6 million students with disabilities, ages 6-21, receive educational services under the Individuals with Disabilities Education Act (IDEA)
Encourages states to establish school choice programs for students with disabilities by providing startup funds to support the design and initial implementation of a disability choice program.
Enables states that already run disability school choice programs to expand educational options for children with special needs with federal dollars.
Provides More Choices to Military Families As They Serve Their Country
Expands options for the approximately 200,000 children that live on domestic military installations
Creates a pilot program under the Department of Defense on at least 5 bases without DoD Education Activity schools to provide scholarships to students in military families on base of up to $8,000 for elementary and $12,000 for high school.
Requires an annual report as well as a final report on participation numbers, applicants, participating schools, and parental satisfaction, to ensure accountability and transparency.
Expands Educational Options for Low-Income Families in Washington, DC
Since 2004, the DC Opportunity Scholarship Program (DC OSP) has served more than 5,000 low-income children in Washington, DC and has become a model for effective public scholarship programs
Expands educational options for low-income students by requiring excess carry-over funds that are not needed for the continuation of current participants' scholarships be used to increase promotion and outreach and support more scholarships.
Ensures children currently enrolled in private schools who meet all of the DC OSP eligibility requirements are not unnecessarily excluded from participation.
Scott Introduces Resolution Declaring National School Choice Week
U.S. Senator Tim Scott (R-SC), a long time champion of school choice and member of the Senate Education Committee, today introduced a resolution declaring this week National School Choice Week.
Scott Introduces CHOICE Act for Military Families, Parents of Students with Disabilities and Low Income Families
In conjunction with National School Choice Week, U.S. Senator Tim Scott (R-SC) today introduced the Creating Hope and Opportunity for Individuals and Communities through Education Act (S. 235), or CHOICE Act.Read More
Senator Tim Scott Celebrates National School Choice Week
U.S. Senator Tim Scott (R-SC), a leading voice on education in the United States Senate, released the statement below regarding National School Choice Week, which begins today and ends Friday, January 27.Read More
Senate Opportunity Coalition Launches Second Official Event
Today, the Senate Opportunity Coalition (SOC) released its second report reviewing their continued progress in identifying common obstacles faced by millions of Americans still living in poverty.Read More
Tuesday | July 5, 2016
ICYMI: Post & Courier: Senator Scott on Mission to Help Fight Poverty
The Post & Courier (Charleston, SC) highlighted Senator Scott's continued efforts to help South Carolinians and low-income communities across the country.Read More
Monday | May 2, 2016
Scott Praises Work of School Choice Options During National Charter Schools Week
U.S. Senator Tim Scott (R-SC), a leading advocate for school choice in the United States Senate, issued the following statement highlighting the importance of school choice during National Charter Schools Week, which runs from May 1 through May 7, 2016.Read More
Scott Sponsors Resolution Declaring National School Choice Week, Calls for Swift Reauthorization of DC OSP
U.S. Senator Tim Scott (R-SC), a leading advocate for school choice in the United States Senate and sponsor of the "National School Choice Week" resolution, issued the following statement at the beginning of "National School Choice Week," which takes place January 25 through January 31:Read More


Entrepreneur, Military Spouse and Mother of Two. Amber is artfully learning the dance of balance in this beautiful life as a wife, a mother, and everything in between while staying fit and healthy. As a fairly new mother, her current modus operandi is the "learn as I go" game."I have had an interesting ride so far and had to learn from mistakes that most all new moms make."
At 16, Haylee is iGirlTech's teen voice.Totally uninterested in society's "perfect image" trap, she writes about it and geeks out with people over the interwebs. She loves any and all things about space and technology. In her free time, she is currently in the process of learning programming, a huge passion. "I absolutely love being a girl in the tech world!"
Lopa is a rising senior at Duke, majoring in History and pursuing certificates in Markets and Management Studies and Policy Journalism and Media Studies. Currently working with law firm consultants at Argopoint in Boston, Lopa's plans for post graduation include consulting or tech.
Technical Recruiter at Jobspring Partners in Los Angeles. She hails from the land of cheese-steaks (Philadelphia), but is loving her current life as an LA transplant. A travel and adventure fanatic, Robin is passionate about anything related to art. She also currently plays for a co-ed flag football league!