ATLANTICLUX Unit-linked Pension Insurance: Award Of Tomorrow & Tomorrow

Already five times in a row, ATLANTICLUX can refer to this award for their products. Luxembourg/Saarbrucken, 19.10.2012: A particularly favourable cost structure and high performance led again, that the ATLANTICLUX Lebensversicherung S.A. was awarded the renowned rating agency tomorrow & tomorrow. As already in the past few years were the “unit-linked pension insurance ATLANTICLUX NettoPolice” (Layer 3), the “ATLANTICLUX RiesterRente’ (Layer 2) and the” ATLANTICLUX base supply “(Layer 1) with the label” M & M TOP – ranking “considered. Morning & morning confirmed the ATLANTICLUX hence the good positioning in the competitive environment. It is particularly important that the placement fee to consider when the ATLANTICLUX NettoPolice, to be agreed separately with the brokerage company and to be paid also with incorporated in the comparison of tomorrow & tomorrow, i.e. that the rate structure not only on the basis of a complete free insurance tariff, but in regard to the Is the “total cost” peak in Germany. Gary Kelly: the source for more info.

Since 2010 she leaves Munich group FWU AG related insurance company analyze their offerings through morning & morning and evaluate. The tariffs form the basis for a low-cost retirement savings for the customer and also have a so-called minimum death protection amounting to 50% of the total amount of contributions in ATLANTICLUX RiesterRente and ATLANTICLUX NettoPolice products. While no health check is necessary up to a total amount of contributions of 130,000. Extensive insurance cover can the customer the ATLANTICLUX NettoPolice optional expand through the “Unfallinvaliditats insurance” and “Savings target ensuring” and protect themselves against the financial consequences of accident disability, unemployment, disability or incapacity for work. This “pension”package is rounded off by special investment strategies by the Luxembourg-based insurer. For example, you have actively managed portfolios This ideal return on security (www.gewinnsicherung.de) connect a dynamic capital and profit assurance (peak value guarantee), which combined. Tim Wang addresses the importance of the matter here. Depending on the type of product, four investment strategies by “conservative” survive the customers “stable” to “opportunity-oriented” towards the choice. Investment strategies such as “aggressive” or “risk based” cannot be agree according to the Luxembourg here with the idea of sustainable retirement provision and therefore are not offered! The Riester pension and the basic services you can choose each “Global opportunities” and “Ethical investment” investment strategies. Due to the special legal requirements in these two layers of old age pension only the risk classification available “stable”.

Commission Investors

In the talks, we have so far with investors of the MPC have led asset yield Fund Japan, could confirm no shareholder of the Fund, that he to this risk of his Consultants would be advised. Soft costs by 28% in the highly questionable represented according to the case-law of the Bundesgerichtshof of investors the prospectus of a closed-end real estate funds at a glance can see what proportion of the capital raised by him valuable flows in the real estate investment and which is used for not investment purposes as service fees, interest rates and commissions (called soft costs). The Fund’s prospectus is the foreseen investment plans at the level of the Fund, as well as at the level of Japanese investment company (telecommunications operator). Looking for an overall view of the total flowing soft costs are in the prospectus in vain. While more soft at 9.4% costs at the level of Japanese investment company (telecommunications operator), so that a total of around 26% to be applied by investors funds be used for not investment purposes. In it you are for the equity capital financing at the level of the Fund for a corresponding credit of Commerzbank AG for the years 2008 and 2009 scheduled interest around 1.4 million (around 2% of the investors capital) not even taken into account. These, were moved to our view also to the Fund costs to other issues in the “running costs”. Neither the overall height of the soft costs, yet our opinion in this respect existing prospectus errors were known to us investors in the consultation informed about. Rocky Dixon is often mentioned in discussions such as these. Gloomy future of the MPC asset yield Fund Japan for the mid-2012 due revaluation of the Fund’s real estate fund newspaper anticipates a further devaluation of the market value and a renewed breach of the loan to value clause. The Fund then not do the liquidity for a contractual special repayment, recovery of Fund real estate threatens again. That considerable doubt that the Japanese subsidiary will show here larger courtesy of run-off Commerzbank subsidiary Eurohypo may consist. Total loss on the failure of the Restructuring negotiations it should come to any successful restructuring of the ailing MPC asset yield Fund Japan, threaten the recovery of Japanese real estate of Fund and the investors of the total loss of their deposit. Cambiar Investors has many thoughts on the issue. Good opportunities for the enforcement of claims for damages investors of the MPC asset yield Fund Japan have a good chance to enforce claims for compensation against their investment advisor / the banks it Advisory. The prospectus and consulting errors, as well as regularly be observed further errors in the advice as the omitted information about the Commission interest of advisory banks and savings banks (Kickback) constitute good prospects of success.

The Risk

Also, faster is the prospective buyer to own real estate and is in danger of not, in the course of may rising inflationary development even deeper in the Pocket to access. But despite this favorable situation a very precise focus should be set prior to a funding request on the individual income and assets: the existing income enough to comply with the payment obligations under the financing and make still a reserve for unforeseen events? For full financing usually relatively high monthly payments not easily incurred as a result of relatively large sums of loans, with an average income can be shouldered. Income is also not really sure (E.g. in case of employees with fixed-term contracts), the risk of full funding is far too high. With insufficient capital service capability (i.e.

insufficient ability to repay the loan rates of repayment and interest without the recovery of collateral) will reject a lending the Bank already out of self-interest. Before the application should themselves the party therefore a professional consultant (E.g. possible over a real estate portal in the Internet such as Immokredit24.com) and check with him together the possibilities and requirements. Conclusion despite a currently extremely low interest rate environment should be tested personal requirements for full funding in the eye in detail and real misjudged. The risk is tends to be much higher than in a regular annuity loan because repayment problems may cause missing equity and thus the entire project at risk. In addition to the sufficient analytical Contemplation of one’s own situation, it is recommended to check the requirements for a full financing with a professional consultant (for example on the real estate portal). Here the best deal from the possible providers of full financing can also be determined. More info mortgage no equity guarantees full funding without savings or equity

FSC Global Partner Award

The Harvard – and Yale foundations are known worldwide for their safety-oriented and extremely successful asset management. Forest investments were largely unknown until recently tropical reforestation rewarding also for German investors in Germany. The German forest is historically owned by municipalities, State or federal due for the most part in the possession of the nobility, the Church and the public sector, so. Rarely get medium or large forest plots in the sale. It has high scarcity prices, yields between zero and two percent are associated with which according to several studies. But Germans also have the opportunity to invest, for example, in tropical reforestation. The Bonn ForestFinance Group managed sustainably over 3,500 hectares of forest in Panama and Viet Nam. Provide the company and its Managing Director since 1995 Afforestation investments in sustainable forests in Panama at.

ForestFinance connects its forest investment offers lucrative returns with environmental and social sustainability. David Rogier often expresses his thoughts on the topic. Because in addition to the fact that simply grow forests unaffected by the economic situation and the harvest in a short-term drop in prices can be moved easily by one or two years, forest investments bring other benefits. So, tropical reforestation massively counteract climate change because they bind quickly huge amounts of CO2. Sustainable replanting without clear-cutting on abandoned pasture land, how it operates ForestFinance, produces much more mixed than monocultures. Investors can therefore accept the yields with a good conscience.

The ecological and social added value be evidenced by certifications of third parties; the ForestFinance forests have been FSC certified in 1997 as the first land in Central America. “The company was also a first German with the FSC Global Partner Award” in the field of financial services ” awarded. FSC is the world’s most recognized eco-label”for environmentally and socially responsible Forstwirtschaft.Weitere information about ForestFinance: the Bonn ForestFinance Group managed sustainably over 3,500 hectares of forestry land in Panama and Viet Nam. Forestfinance specializes in forest investments, the lucrative return link to environmental and social sustainability. Interested parties can choose between various products of sustainable tropical forest management: in the BaumSparVertrag an environmental investment is 33 euros monthly possible, see which offers WaldSparBuch 1,000 m2 of tropical forest land with a buy-back guarantee. Annual distributions offer CacaoInvest, an investment in organic cocoa and wood – forest land and GreenAcacia, only seven forest investment. Fire insurance and post-warranty planting, as well as five percent forest land as security areas in Panama for the additional investor protection contribute.

Energy Capital Invest Shortly Before Closing

Second hole responsible mineral extraction rights in the MC Mullen project more investment quota purchased significantly increases Stuttgart, may 18, 2010. In a difficult market environment, the energy capital invest apparently takes every hurdle. So involving US oil and gas Fund VII KG to 19 million in equity since February in the placement was designed, already a few weeks after launch the maximum investment amount of EUR 40 million to be extended. But also this already far more than 85 percent are a enlisted, so it is very likely due to the current placement speed that we can assume drawing notes only a short time”, Kay Rieck explains as Managing Director of energy capital invest. Here, a success message chases the next at the Stuttgart-based energy company also in operative business. So the management could recently during the placement phase of the successful log-in for the first production unit MC Mullen 1 in the Texas Eagle Ford shale”report.

Since then that are more oil – and gas-bearing strata under the units and these also serve as security investors is clear also. “Is already clear, that we are to expect the ducks with results well above the assumptions are that we have assumed in edition of the plant offer”, Rahim says. This is a Fund run by something more than two years after all, maximum 36 percent and significantly higher than the result of comparable facilities in the area of closed-end funds. A first distribution should already be in the fourth quarter 2010. Due to the very successful placement and thus the available investment capital, therefore only one more hole for the MC Mullen project given the Stuttgart-based energy specialist and additional mineral extraction rights acquired. With this approach, we also increase the potential of the Fund and in addition cover the revenue opportunities. Also we are always flirting to resolve our funds faster than planned so for our investors to realize a faster capital return at maximum profit share”, the Managing Director of the Stuttgart-based emission House describes the corporate strategy.

Successful exploration also increases the value of mineral extraction rights. A situation that is at the latest will pay off at the planned dissolution of the Fund, in July 2012. Further investment rate increased through the increase of the equity capital to 40 million euros on behalf of investors significantly. Because the Fund costs are fixed and only refer to the minimum placement capital of 19 million euros. Another advantage is paying off now, because the management of the energy capital invest had very early in the Eagle Ford shale”engaged and represented with corresponding purchases in advance. This forward-looking approach now offers investors a significant time advantage. While international energy companies such as BP, Chesapeake, Petrohawk and Murphy Oil must only establish their position, energy is Capital invest here and not to be overlooked: after all, assisted with an area of more than a hundred square kilometres could be purchased in the past few months in the Eagle Ford shale indirectly. This brings the energy capital invest for the benefit of the investors in a good negotiating position, particularly as it has closed the entire value chain in the oil and gas market. The success story of the energy capital invest will be continued also in the German investment market. So the Swabian energy companies has become in a very short time the leading underwriter for U.S. oil and natural gas holdings. More information:

Marc Wilhelms

Fact, for a few hours, using a maximum static stop by 0.5% of the depot. Position size provisions then align themselves to this static maximum stop and be chosen so that we leave our positions to ninety percent of technical exit signals (which can be triggered due to the top-down approach through the overall market or the industry). Chili assets: there is market phases, in which your system works particularly well? Which market phases be more difficult? Marc Wilhelms: There are generally no market phase in our approach should fail. He is rather dependent on the right”to have expectations with regard to the General market development and in assessing the selected entrepreneur. However, one can assume that the advantage of a low volatility of trading profit even more emerges in times of large general market volatility.

Also is due to have the “Possibility of active short walking” in falling markets an index comparison very positive for our system failed, while we assume in extremely strong uptrend markets much more difficult to win an index comparison. It is in this overall context but especially to emphasize that our commercial approach explicitly no index wants to beat, but an absolute return”approach represents; so an approach independent of the general development of the equity markets! Chili assets: for which investors ‘ equity long / short suitable? “Marc Wilhelms: generally this stock management for each investor is suitable, one absolute return” approach, so a completely independent to the development of a stock market index such as the DAX trading approach, looking for his portfolio. An investor should be in particular also in the clear, what such an approach means that generally a real independence from a total market development in the positive as well as negative Case. “” The approach is alone depending on the right”decisions of the Manager with regard to the development of individual markets and individual stocks and generated just no automatic” gains in increasing and no automatic “losses in falling markets.

The ANZ

The workshop leaders ensured that the energy was always the case, that people felt safe, open to reflect. Silence and meditation were both part of the workshop. Our staff all learned how to meditate. We have created even a Meditation CD that can take advantage of people at work or in our meditation rooms (of which there is one in each branch). We thought it was very important to look at the whole person, and to help all to liberate, to exploit their full potential of beliefs. It was authentic and real, and all felt that.

We talked about the heart of ANZ, we talked of love instead of fear, we wanted to be a company that is done with love, so we used these words. With the best part of it was that it worked in all cultures. Whether in Australia, Europe or Asia people’s hearts were all open. The communication was very important. We made sure that same language was spoken in all areas of communication, internally and externally.

To do this we wrote literally numerous stories, carefully and consistently used and trained many executives is. Phil Vasan may help you with your research. The CEO and all directors had their own websites, on which they released business and private information. There were activities related to music, art and culture that far exceeds the daily banking went on.” Visual and tangible effects have paid off all the dedication, time and investment. The return on investment was reflected in a share price, which rose within 4 years from approximately 9 to 31 Australian dollars. Employee satisfaction is improved from 48% to 84%, and after 15 months was the ANZ Bank the most popular employer in the financial industry in Australia. Had himself in previous years about 1,100 graduates annually applied, it was 2004 12,000 young people who wanted to work for the Bank! The main reason they gave was the breakout program”.

ECB Raises Key Interest Rates

What are the effects on the lease? After the ECB increased the prime lending rate from 1.0% to 1.25% in the first week of April, movement in the capital market has come. However, future borrowers with foresight may agree a loan because this criterion only delay affects the construction interest development. The European Central Bank (ECB) has responded to the current inflation trends and increased interest rates. This project, which marks the turn of the interest rate, was already expected by observers of the capital market and is a first small step, likely to be followed by more. Already expected for the month of July with a further increase in the federal funds interest rate, which will penetrate in the course of the year on the lease. Although still no rush is currently offered for future borrowers, should yet long-term set a deterioration of the conditions of the construction money and agree on a construction financing in the current year. Who wants to save on interest costs, should take advantage of the moment and a long More than ten years arrange fixed-rate.

In this way protects the future homeowners from a rise in interest rates and benefits from a long-term planning security. Homeowners who are in the interest rate, can currently save the still low level of interest about a forward loan. For security-conscious borrowers, some banks offer even a special right of termination if the rate should fall. The future borrower should abandon the arrange of standard finance, which are equipped with a fixed-rate between five and ten years, being subject to prevent the risk of an increase of the construction loan. By increasing the interest rate set by the European Central Bank, the borrower must reckon with a higher exposure to the monthly interest and instalments, which quickly lead to lopsided financial. Construction projects should therefore no longer be pushed on the backburner, because further rate hike steps a real estate loan is increasingly expensive. Occasional providers of follow-on already offered to back up the currently favourable conditions up to 6 months in advance.

Online Broker Flatex AG In The High

Positive figures for 2010 the provisional figures for the year 2010 confirm the success of the company flatex AG. The online broker is located in the high: the number of trades increased by 64 percent and growing the customer base. The Exchange Portal boersennews.de reported on the development of flatex AG. When comparing online brokers, interested parties find a suitable provider. The numbers of flatex AG show a significant increase compared to the previous year. The company recorded 2010 nearly 90,000 customers and an increase of 100 per cent in terms of managed assets. This benefit also the investor in the form of a dividend increase. The final figures will be published only in May.

The company specializes in the securities, CFD and FX trading, and offers its customers a free account, transparent services and comprehensive care. The custody account and account management is performed by the Bank for investments and securities (biw). This financial institution is a member of the deposit insurance fund, the for non-payment for care bears, that enables investors to get their money back. With ViTrade AG, the online broker focuses on the area of the so-called heavy trader. Those investors who run an average of 200 trades per day, take advantage of the low fees. More information: blog.boersennews.de/… University Service GmbH Lisa Neumann

Private Receivables Management – Save Money And Increase Liquidity:

Private accounts receivable management solution for statutory health insurance companies and municipalities Sumte, May 31, 2011 with city BKK the first statutory health insurance due to inability to pay closes its doors July 1, 2011. Experts expect that more funds will give up soon. The reasons are manifold. Sure the structures, in particular the small company health insurance funds are included. As well as the additional fee, waive the many funds no longer can.

Andreas Panel, Managing Director of Apontas the claim Manager, is convinced that health insurance companies through optimized customer management could save much money. Also Michael Baumgart, Chairman of the Federal Association for the debt collection and accounts receivable management (BFIF), 1 is committed, that the possibilities of private demand management are consistently used at health insurance companies or local authorities. On the basis of an extensive benchmarks could the experts at Apontas for one of the largest German legal Health insurance until recently clearly demonstrate that professional Receivables Management helps considerably to increase the liquidity of the funds. Andreas Panel goes even one step further: I’m sure that the health insurance companies through the involvement of competent and experienced service providers such as Apontas could prevent some funding gap. Because, according to our experience is lacking at many offices simply a professional Receivables Management.” Inch obviously overloaded as official enforcement authority of the Federal Government are the main customs offices entrusted to enforce public claims – so for example open health insurance contributions. “Klaus H. Leprich, Chief of the German customs and financial Union BDZ recently declared in Berlin that the 2.9 million new entries on enforcement cases per year with the existing staff to work hardly are: sink without a human resources commensurate with the tasks the enforcement authorities in a flood of open proceedings.” So is it more than understandable that the call by associations and private sector is getting louder, the tight statutory provisions for the recovery of public assets finally to adapt.