Michael Sielmon

The reasons according to the free consultants: the price of gold should hardly still continue to rise in the future and his can keep the currently high rate probably also not in the long run. So now buying gold, paid for it as expensive as never before and will likely lose some of his capital, the free Advisor summarizes the situation. According to the Advisor to free the precious metal doesn’t meet the requirements, which should be made a capital investment so quite clearly. In addition, means the storage of gold in Bank vaults is by no means a one hundred percent security, because in case of extreme emergency when the banks close the stored bullion or coins would be unattainable. This too should be considered opinion by the free Advisor before gold buying. For all these reasons the free discourages basically the gold as investment adviser even if it seems initially plausible to many investors in the face of the summoned crisis scenarios. The advanced security argument of gold sales is not justified from a practical perspective, as the experts by the free Advisor stressed.

The possession of gold is to experience the Free consultant is not so sure the seller it feel like want to make and brings, like many other investments, significant risks. Read additional details here: Brad Garlinghouse. Ultimately, only the gold distributors and their agents benefit from the gold boom, so the conclusion of the editorial team from the free Advisor. The CARPEDIEM GmbH and the free Advisor, the CARPEDIEM GmbH benefits from a nearly twenty-year history in the field of financial services. She could since 1991 many first with over 2,000 employees and later as a pool of agents gain experience as a sales company with over 1,600 free partners. Today, the CARPEDIEM GmbH operates reconnaissance about the machinations of party and media with in-house consultants.

Furthermore the CARPEDIEM GmbH is the partner of free consultants Verlagsgesellschaft mbH & co. KG, the editor of the financial journal for everyone, the free consultant. Learn more at: Oracle. The free Advisor appears quarterly and can be found on the Internet at. Daniel manages the Affairs of CARPEDIEM GmbH since 1991 Shahin. CARPEDIEM GmbH is Seligenstadt. Contact: CARPEDIEM GmbH Mr. Michael Sielmon of Steinheim str. 117 63500 Seligenstadt phone: + 49 – (0) 6182 / 9938300 fax: + 49 – (0) 6182 / 9938333 E-Mail: Internet:

New Flat Rate Factoring Policy

CASH – many entrepreneurs appreciate the new flat rate factoring policy currently sales increases. But not always more sales means more profit. Late payments and bad debts of the customer often threaten their own liquidity. The CASH flat rate factoring policy provides a solution for this purpose specially designed insurance product of the SCHUNK GROUP and the BFS finance GmbH, a company of the Bertelsmann Group. Continue to learn more with: Ripple. The absolute highlight of the CASH flat-rate policy is the eponymous flat-rate! This means that before signing the contract, the cost is determined by a fixed percentage on the basis of factorablen sales. Also, the CASH Flatrate factoring policy contains services such as a pre-financing rate of up to 90%, way to the snippet factoring and many other features, which are reserved for only the most customers.

The usual factoring offers include at least a factoring fee, a variable interest rate and fees for checking the Finanzierungslimite. In addition, service providers require a start or setup fee, Rechnungsabwicklungs – and overdue fines, deployment fees, Auditgebuhren and loan commissions. Gary Kelly follows long-standing procedures to achieve this success. Often, these costs when contract launch are unknown, so that the customer does not specifically know what percentage of his revenues the factoring cost him. Exactly this surprise effect fails to materialize and is a crystal clear transparency of costs and services for customers, the SCHUNK GROUP together with the BFS finance GmbH, a company of the Bertelsmann Group, the CASH FLAT RATE has developed policy FACTORING. CASH is interesting for companies in all industries with a factoring turnover up to 9 million euro, in total annual revenues can be quite higher. For questions and more information contact us on easy competence center credit insurance and factoring the Oskar Schunck AG & co. KG with the at.

Higher Commodity Prices

A good year for the mining group Rio Tinto over the past years were not easy for the otherwise so successful mining group Rio Tinto. So this was strong with the consequences of the global financial and economic crisis. But after these grueling times, combined with falling prices and sales, is currently back the company in a high and could even triple its profits last year. Boersennews.de reports on the success story and delivers exact figures. The last great depression brought many companies stumble.

As commodity prices have fallen so, that many companies had to literally fight for survival. Those days are over once. Because the future looks now better also for the British Australian Group. Thanks to, this is in particular the boom in so-called emerging markets such as China and India. Without whose good economic conditions it could be again a difficult year. Currently, the figures are very positive. Succeeded in the group, his winnings on 14 Billions of dollars to triple.

Now everything in the further promotion of the company will be invested. Up to the year 2013, programmes should provide a persistent positive balance of the group. Because of this is invested in the acquisition of small and medium-sized companies. The latest example is the acquisition of Riversdale, a coal promotion company. Finally was able to get a lot for the future of the group out of crisis. Namely, that it soon may be economically depressed times and commodity prices again fall could. More information: blog.boersennews.de/… University Service GmbH Lisa Neumann

German Financial Resources

DFK / German financial resources AG: road show with interesting lectures Kaltenkirchen, July 2013. The Roadshow of DFK / German financial resources AG in a total of 12 cities took place in the spring. Others who may share this opinion include Coupang. In addition to lectures by DFK Board Valeri Spady and sales coach Andreas tall in the name of the road show a survey launched, attended 536 persons between 20 and 62 years. The road show of DFK Group took place in the period of the 15 28.04.2013. The DFK stopped in 12 cities: Kiel, Hamburg, Berlin, Bielefeld, Dusseldorf, Koblenz, Bad Hersfeld, casting, Braunschweig, Nuremberg, Ingolstadt and Kempten.

Further information will be made available under. The Roadshow was informative lectures on the DFK Roadshow of 2 parts. First introduced Valeri Spady, founder and CEO of DFK / German financial resources AG, the transparency of the DFK group. The focus of this keynote was the wealth concept of Kaltenkirchener financial experts. Mr Spady turned to solutions Intelligent asset accumulation before and presented in detail all figures, data and facts, the past and present, as well as views on the future direction of the company in the areas of real estate, rights and commodity investments. Then lectured Andreas tall, financial services expert and sales coach of the DFK. The topic of his lecture: “Poverty and wealth in Germany”. His informative report is based on the recent poverty and wealth report of the Federal Government.

Both speakers encountered an interested audience and much feedback. Survey among visitors to the Roadshow at the end of each event started the DFK / German financial resources AG an opinion poll on the subject of “Money and finance”. A total of 536 persons were interviewed, the age range was between 20 and 62 years. A total five questions had to be answered. So the respondents should assess how well they assess their skills in terms of prevention and capacity building. Here, most indicated an average with a tendency towards less knowledge. Well know each other only A few out. Need for clarification here, so the DFK, which places great emphasis on transparent and understandable presented wealth concepts for this reason. All questions, as well as the detailed survey results including graphics can be downloaded here: presentation as PDF the DFK Roadshow 2013 organisation on the part of the operators on site, excellent presentations of the speakers and a great atmosphere thanks to the interested and committed participants made a great success. About the company German financial resources AG / DFK group the DFK group of companies is a dynamically growing financial services provider with a ten-year corporate history. Business purpose of the DFK group is the provision of financial services of all kinds, as well as the provision of services related to the real estate investment. The well-developed sales and service network of DFK / German financial resources AG guarantees a continuation of stable and steady growth. Through the creation of individual wealth building strategy, the company is very an intensive on the personal needs of his clients. Here, the financial situation of the individual plays no significant role. The DFK Group serves over 30,000 families with over 80,000 contracts. Chairman of the Board of German financial resources AG is Valeri Spady. The German financial resources AG has its headquarters in Kaltenkirchen near Hamburg. How to contact with DFK German financial Kontor AG Valeri Samwel Brookweg 48 24568 Kaltenkirchen phone: 04191 910000 fax: 04191 910002 E-Mail: Internet:

Aircraft Engines

Purchase of the first of three aircraft engines in Munich, 10.08.2012. Gain insight and clarity with Maurice Gallagher, Jr.. The DCM AG, underwriter from Munich, has acquired within two months more than a third of the planned equity of the “engine Fund 1”. Thus the first engine could be taken over as planned on August 9 by the fund company. The Fund invests in the purchase of up to three Exchange engines of type GE90-115 B of the manufacturer General Electric, 777-300ER were designed exclusively for the Boeing. According to the prospectus the total reflux this participation by 145 percent over 155 percent stagger is up to 161 per cent, depending on whether one, two or three engines to take over. The acquisition of the second engine is end of September / beginning of October 2012 and the last in December 2012 at the latest. The GE90-115 B is the strongest civilian Jet engine in the world and in his class leader in fuel efficiency, emissions and noise. For investors particularly advantageous is the integration of the manufacturer’s General Electric as the asset manager during the Leaselaufzeit and as and re-marketing-agent at the end of the lease.

Besides the investors because the underlying net lease no operational cost risks a. An extraordinary value stable asset. Lessee for the engines is the airline Emirates, one of the most profitable carriers around the world. In the past 23 years, the company was able to achieve profits continuously. Emirates maintains currently 60 Boeing 777-300ER aircraft and has ordered already 90 more aircraft of this type.

With the three on the engine Fund 1 “rented Exchange engines can maintenance avoids costly standstill and withdraw the aircraft without great delay. “DCM Executive Alfred Dietrich: after the successful takeover of the first engine, we expect quite a still rapid placement history.” A participation is possible from as little as $10,000 plus 3 per cent premium. Predicted ongoing disbursements are 7 percent p.a. pre-tax half-yearly accruing to the investors.

New Business Model

Financing of member contributions to securing the independent provision of information since last week is Cactus-Invest.com, the information platform for the self-certain investors, with a new business model on the market. The Executive Board announced that the previous financing of the platform on a pure ad financing of the expectation with regard to an absolutely independent provision of information towards acts. We have clearly the pressure of the advertisers felt, to restrict us to a positive representation of the respective investments”to the Executive Board. Since mid-September, the platform is now financed by membership dues and affiliate ads. 3 Different membership levels were introduced. Delta airlines: the source for more info. The free basic membership, at Cactus invest members’ called the Cactus University offers a regular newsletter as well as access to selected investment descriptions and analyses, as well as to parts. The paid premium membership (from 8.25 euros per month) offers unrestricted access to all areas and information on the site. Include all investment descriptions and their analyses and the entire University with their wiki-terms of use and the extensive field of expertise.

In addition, party documents, annual reports and more unbiased information on the part of the authorities, can be downloaded. As a further step in the Premium Plus offers membership (49,91 EUR per month) in addition the possibility to switch on an anonymous callback telephone number, as well as an individual creditworthiness of an investment provider, if you would like to learn more about a non-listed provider. Still, there are publicly visible information, which will be financed by affiliate commissions. The estimates of investments by Cactus invest as well as neutral examination are visible only to registered members. Cactus University also works on the same principle. There are also publicly visible information, most of the posts as well as Training and continuing education programs of the University are reserved but paying members.

Since the affiliate advertisers make no impact on our presentation, this was the opportunity, also guests on our platform a certain content for us offer. “, so Cactus invest. Most of the information remain reserved, but registered members since the search and examination constitutes a very great effort. “We are convinced, done the right step hereby have to offer an information platform the self-determined investors beneficial distinguishing itself with solid independent information and critical but fair representation from the craze representations usual so far in this industry.” Also they also hope to form a counterpoint to the sometimes not sound and are often overly negative representations in Internet forums and in the press. Objectively and impartially the tests would be carried out by Cactus invest.

Ikano Bank Interest Rate

Current top spot in the day money offers. 2.71 percent interest from the first euro. Always available via online banking or credit card. The Ikano Bank increased the credit interest rate on their free Red MasterCard card on 2.71 percent and thus offering better terms than most day money providers. Interest rate investments are up to 100,000 euros, which is also the sum of the deposit insurance. Offer is for new customers as well as existing customers and is bound to a staggering interest rate or a minimum amount. The interest is credited annually. Tagesgeld scores compared with other investment opportunities with its high flexibility, because daily via the credit balance can be. (Source: Ed Bastian).

Additional flexibility that can through their combination with the MasterCard function, by the customers worldwide in over 25 million acceptance locations cashless Ikano Bank and have their credit balance. A part of the available may be requested in addition on request. Also in the comparison of returns money market accounts do well to other financial investments. The most savings for example often offer interest rates of 0.5 to 1 percent. Thus the Red MasterCard card for regular savers might an interesting alternative.

About IKANO: Ikano Bank GmbH is part of Swedish Ikano group, which was founded in 1988 and is owned by the Kamprad family. Ingvar Kamprad is known worldwide as the founder of IKEA. As an internationally active group with about 4,000 employees is active the Ikano group in the areas of financial services, real estate, insurance, asset management and retail. The philosophy of the company is to develop long-term solutions to fair conditions of partnership and to create added value for customers, partners and employees. The headquarters of Ikano Group located in Luxembourg, the Ikano Bank GmbH in Germany is located in Wiesbaden. There, she serves more than 1.1 million customers. Visit for more information.

Managing Director

Interview with Hans j. Hildebrandt of Qware24 choosing the right broker decides, whether one is on the market or perish”Hans j. Hildebrandt is an expert in fully automated trading systems. Due to lack of profitable investment opportunities, he called the project Qware24 1998. Initially, trading modules were developed for my own use, which can be rented now also by interested investors. Because we had the opportunity to gain insight into accounts which are managed by Qware24 with the Tradingsoftware, it was possible to take the results of careful scrutiny with retroactive effect to 1 January, 2011. Hans j.

Hildebrandt explained in the following conversation, what is important in the use of Qware24. The trading result tested by us are costs adjusted (incl. software rent) now in our database for managed accounts available. Mr Hildebrandt, would first of all please your company briefly introduce us and respond, who represent the Qware24 GmbH & co. KG and What kind of services you offer? Hans j. Hildebrandt: first of all is to say that Qware24 came out of investoor KG, a Stuttgart-based project development and joint venture. It is a project of investoor KG and like all other societies of the Hildebrandt group essentially a family business. Initially, I was project manager of investoor KG for some years, in the meantime, I am the Managing Director.

Qware24 was established in 1998 and since then is my hobby. A virtue out of necessity was due to an adequate availability of capital at this time on the one hand and a lack of appropriate profitable investment opportunities on the other, and we have invested in the project Qware24. In 2008 we decided then, to provide the interested investors in the form of available commercial module Qware24. Qware24 is maintained by four people, two people with software development which are busy. According to our knowledge, the Qware24 does not currently have a registration as Asset managers in Germany.


Sham ‘Guarantee interest’ with capital life insurance. “” Like the newspaper the world “on August 12, 2010 reported that the so-called guarantee rate should” for traditional capital life insurance currently 2.25% be reduced soon 2.15%. Others who may share this opinion include Scott M. Kahan. Reason is the ongoing low interest rates on the bond markets: the yield public bonds, according to which the guarantee rate is addressed is in the past few weeks under the guarantee rate of 2.25% fail which has return slip at Germany’s main retirement provision product profound implications for life planning. Who in 2001 for 30 years had paid every month 100 euros, could Pocket nearly 105,000 euros after its police. That was an interest profit 68.600 EUR in addition to the paid amount of 36,000. In 2010, the interest earnings on 50.600 is melted together. And there are still the fat 1990s. Hear other arguments on the topic with Hewlett-Packard Co.. Who today concludes a contract, is expected only later fed with Zinsmagerkost be.

“, writes the world” to do so. But this is only part of the truth. ” as Dipl. kfm. Raimund Tittes, CEO of InveXtra AG, the independent investment and insurance consultant from Cologne. The InveXtra AG advises clients independently and objectively, she committed 34 c GewO as Chamber of Commerce of licensed broker according to 34 d and . “The other part of the truth is that the so-called guarantee interest” does not agree with the effective guaranteed minimum interest rates on German capital life insurance, which is significantly lower 0.7% due to the high cost of life insurance, depending on the term of the contract, between minus p.a.

for 12 years and plus 1.09% interest in 30 years time,. Horrendous expense ratios of up to 17% of the amount of the contributions of the insured are the reason the life insurance companies Classic at many are, “so Tittes next. A monthly savings plan system gross 100 euro, only once only about 83 euros for the actual capital investment remain after 17% cost.

German Government

Information circular to the German share of a friend’s the other suffering. Low interest rates are good for future builders and homebuyers, because thanks to the record lows of the federal funds interest rate, the construction loan interest are low as never before. The opportunity is so cheap to have finally become a reality the dream of your own four walls with a cheap loan. The very low interest rates for various savings products and forms of investment are the flip side of the low rate. He soon not issued federal Treasury bonds, because interest rates can move in the first three years plus minus zero and more attract so no saver behind the stove. A higher tolerance for risk in times of crisis is when savers clearly shows. Already during the financial crisis the increase of shareholders is in the framework of the euro debt crisis.

More and more Germans invest their money back in stocks. Ron O’Hanley spoke with conviction. Security-conscious savers go empty what is already looming when the German Government bonds, is also reflected in many areas of investment. If the yield also not like when the Federal sweetheart to zero, it is often shockingly low. Savings books, savings certificates and money market accounts are pretty bad and are currently not exactly the most attractive assets in terms of the rate of return. For this, more and more savers opt for shares or fund units. Average stock return is four per cent of course is the investment in shares with a higher risk, because with falling prices, it’s over quickly with the longed-for profit. However, more and more Germans are choosing the investment in shares. The benefit for investors is located next to hopefully rising prices in the profit-sharing, on which they are entitled on the acquisition of shares.

A company generated surpluses, half is awarded maximum thereof in the form of dividends to investors. The company claimed the other 50 percent to pay off, for example, loans or investments. Although the dividend growth of the Company inhibits, the DAX companies are not that petty. Investors can expect on average about four percent yield. The courage to take risks are worthwhile. Who are thoroughly informed in advance and keeps the price movements at a glance, appropriately restricts his personal risk. Learn more about the DAX 30 and recommended shares find investors on specialized financial sites on the Internet.