Investment Haftungsfallen

‘Come to the advisers responsible times’, says Andreas Greiling, at the Fund initiator United investors responsible for the first Fund of funds ‘ the kind of investment portfolio 1’. Hamburg, 02.08.2012. Because in addition to the usual disclosure about the opportunities and risks of an investment they would enter into in the future even more than previously on the goals and desires of customers and this document accordingly. In doubt”, so Greiling, shall be construed that you always to the detriment of, because the customer can usually not even decide what he wants, he relies on getting an offer so appropriate requirements.” Not so with the first Portfolio Fund of the Hamburg-based emission House. Here is the big advantage is that the customers free can choose six asset classes in the segment of the closed-end funds and three direct investments in real estate, renewable energy and transport/logistics together with its advisers after own discretion, experience and knowledge of and set their own priorities.

This allows a comfortable situation for investment advisors. Because they can in their consulting documentation hold on what they have agreed in the conversation with the customer and why. A special advantage is the kind of investment the extremely favourable cost structure of the Fund. All target funds be purchased without any premium or other charges. The investment rate is therefore 100 per cent and possible refunds will be credited without deduction of investment company. The management keeps the current remuneration also low here and participates in a fair profit sharing.

“With the kind of investment portfolio 1′ we have created an investment offer, the both entrants in this market provides a good starting point but also professional investors”, Greiling says. Now, clearly, that this Fund is suitable to be used in the context of occupational pensions to back cover. A participation is possible already at 5,000 euros plus five per cent premium. In the planned Period of about eleven years annual yields between five and seven percent should be generated.

Performance Interest

To the first of January next year, the guaranteed minimum interest rates will be reduced from life and pension insurance for new contracts of currently 2.25 to 1.75 percent. Munich, 08.03.2011. Insured get off this time according to lower guaranteed payouts on the capital stock of their police. This reduction had become necessary because the provider of kapitalbildenen life insurance due to the low level of interest rates generate itself only lower falling yields for a long time. Had recommended the German actuarial society (DAV) and the Association of the German insurance industry initially only a reduction to two percent, although decided the market level the Ministry for one obviously customized solution. The decision of the reduction applies only to service providers in Germany we calmly look forward this decision because we are subordinate to the COMMISSARIAT AUX ASSURANCES (insurance supervisory authority in Luxembourg) as a Luxembourg insurer. For our insurance is still a Maximum interest rate Bill by 2.25% valid “, explains Andreas Wurscher of the Munich FWU AG. The FWU Group also the ATLANTICLUX among life insurance S.A.

headquartered in Luxembourg. Which mathematicians have calculated once the impact of the reduction in the guaranteed minimum interest rates. We come with an average pension insurance contract to lower guaranteed values of between eight and 11 percent. For the insured the current reduction means so much larger cuts than recognizable at first glance “, says Wurscher. Also contaminated strain already”many insurers the total interest rate of capital-forming life and pension insurance. Since there are quite contracts, which include a guaranteed interest rate of four or 4.5 percent in their portfolios.

They must be controlled, this can go quite at the expense of the capital base of insurance companies and thus basically at the expense of the insurance community. Here the concept of linked pays full pension insurance, in which the Performance in the accumulation phase is not dampened by a collectively agreed guaranteed minimum interest rates. Capital protection and performance can be flexibly through the appropriate contractual arrangement. “The range of customer-oriented investment includes investment strategies, from security-oriented guaranteed minimum interest rates” to chance-oriented equity strategy “is enough. In addition, the Fund policy offers of the ATLANTICLUX S.A. life insurance offer an innovative system of securing profit. The insured benefit from favourable purchase prices when fluctuations or declines and backed up at the same time the ever reached peak as the redemption price at the end of the accumulation phase. This is made possible through active management of investment strategies, what is ensured by a counting the corporate group asset management.

Northern CONSULT GmbH

Medium-sized businesses remain skeptical – again decline despite currently still good availability of credit the North German medium-sized businesses for the future assumes financial climate constraints in this direction. This result the financial climate index quarterly collected since 2005 the Hamburger business consulting North comes to CONSULT for the 2nd quarter 2012. The financial climate index is, as already in the first quarter of this year, also in the second quarter of 2012 decreased. See more detailed opinions by reading what NatWest offers on the topic.. It amounted to 0.83 compared to 1.09 in the previous quarter. The majority of the companies surveyed feel although currently no restrictions in the availability of credit, sees this but less optimistic for the future. It’s believed that Michael Antonov sees a great future in this idea. The index for the current availability of credit increased slightly to 2.17. Contributed to this assessment certainly, that the average overdraft interest rate compared to the previous quarter by 0.30 percentage points to 7.11% decreased.

The index for the expected financial climate but fell to 0.50, which explains the decline in the financial climate index as a whole. In the same A higher proportion of medium-sized companies, which refused in the last quarter in a row missing Bank financing on investment or have restricted them has direction. This increased by 12.8% to 16.7%. Companies can log on at any time to participate in the financial climate. Exclusive benefit for all participants: North CONSULT regularly invites to practice presentations and relevant events.

In addition, participants will receive a detailed overview of current account interest rates by enterprise size class, which they can use to prepare your bank calls. The processing time of the anonymous and Web-based survey is an average of five minutes. The registration can be done directly at or email at. Represent the North CONSULT GmbH which founded in 2001, consulting North is CONSULT in Hamburg with two central offices. In addition to financing, organization and strategy consulting includes the spectrum brand management and consultancy to the Corporate succession.

Canadian Waste

Today, the Fund offer an interesting investment alternative is expanded, because the Astoria invest AG has received the permission for the distribution of the Astoria organic matters GmbH & Co KG’. Munich, April 19, 2013. Put simply it comes to make compost from organic waste. But just to make it, would not begin meet the whole. The Fund invests in the creation of a Canadian plant, which produces high-quality compost within just eight weeks from organic waste. For many years, development work has the UTV company specifically acknowledged in this segment together with the US-based group W.L.GORE (in Germany in particular known for its weather-proof and yet breathable clothing from GORE-TEX ) developed a process in which a wide variety of organic waste can be merged.

40 Reference plants work successfully all over the world, three of them in close to the planned installation. The special is the speed with which the transformation is done,”explains Fund Manager Camilla Dumbeck. Details can be found by clicking Phil Vasan or emailing the administrator. This is so interesting, because the Fund concept benefits that large quantities may be accepted and processed quickly. Astoria to dispose of environmentally friendly and durable 80,000 tons per year in this way, the demand of the adjacent municipalities is great, as meaningful alternatives are missing. So it is not surprising that 86 percent of sales due to the reduction of waste, the sale of compost is thus a grateful additional business. The Federation of Canadian municipalities, which land and develop ozone-destroying gases every year on the landfills is organic to the proud percentage of 80 percent waste – namely 22 of 26 million tonnes of household waste.

This percentage should be significantly reduced what it most effectively goes through a transformation into compost. Already from next year the Super compost plant in Astoria to generate annually investors dividends by 12 percent, which remain exempt, taking into account the retention of progression. Participation is from 15,000 euros plus five Percent premium possible. Please visit Ray Dalio if you seek more information. The term of the Fund is encouragingly short with five years. During this period, the total return funds should be 161 percent, with resulting excess profits at the exit between investors and issuing House be divided equally. Astoria organic matters GmbH & Co KG requires doing absolutely no ongoing government funding.

Berlin

Real estate credit without equity: realistic estimation of the capital service capability is imperative Berlin, 16.01.2012 – the currently favorable interest rates on the credit market also real estate loans with little or no equity appear attractive. In a question-answer forum Adam Portnoy was the first to reply. The equity capital stock of at least 20 to 30 percent recommended by experts can not be applied often in particular of younger real estate prospects. Get all the facts for a more clear viewpoint with Bitcoin. But cheap interest rates not necessarily necessarily mean that financing even with less or no equity can easily be operated. /www.google.co.il/’> Larry Ellison has compatible beliefs. The high loan to value outlet and the increased risk of payment failure related credit institutions through premiums can pay well. A mortgage without equity is therefore not long for each income group. Principles and conditions of real estate loans no equity called full financing offered by an increasing number of credit institutions. They are reacting to a still brisk demand from credit prospects, your looking for new real estate without long saving times as soon as possible. Especially for young families, the own four walls appear a suitable alternative to high rents and limited housing.

Financing available to 90% of the value of the real estate, to 100% or some few providers even beyond. So, a furniture can be co-financed may immediately. Prerequisite for this wish-fulfillment is, however, that the borrower in addition to the security of real estate (through mortgage registration) itself refers to a correspondingly high and as far as possible secure income. Additional collateral, E.g. additional borrowers with further income covers are useful. “The credit institution is for full financing a corresponding interest-rate premium demand, since repayment risk compared to normal” annuity loans (with normal lending outflow by about 60%) is. The current situation offers the prospect of a cheap financing given the current interest rate situation in the capital market historically cheap real estate financing are possible. Many real estate buyers are therefore wonder why didn’t fixate a financing at favourable terms when later despite a higher equity ratio again attracting interest on the capital market no more favourable financing is possible.

Pro Invest Management 24 AG

“Police on the Pro-invest and the underlying spouses of Lammers had become aware and were first investigations, crystallized now more and more out, that the funds are obviously not sure laid, it is rather to assessment of lawyer Krause to a so-called Ponzi scheme” has acted. Where the funds remained the investors, is still unclear. “In the US cases but also increasingly turns out that most funded facilities at 24 Pro Invest AG about a GE Money Bank loans were financed. Ray Dalio wanted to know more. Thus, there is an opportunity from our point of view if the system over such a loan was funded, to claim the damage compared to the lending banks or their legal successor. The corresponding loan agreements are”not according to the guidelines prescribed for this purpose for consumer loan agreements designed, Attorney for banking and capital market law Anja Appelt Lawyers representing Cape already several damaged investor the company Pro invest 24 AG and see good opportunities to take the Bank’s liability. Lawyer Kareem recommends affected investors, one in the field of banking and capital market law of specialist lawyers advise to any claims to check

Cape lawyers have specialized in the representation of affected investors. The lawyers of the firm have many years experience in the area of investor protection for capital investments. They were involved in many ground-breaking decisions and bring this experience to the benefit of their clients. The partner, Attorney for banking and capital market law Anja Appelt and lawyer Thorsten Krause, have experience in investor protection, the credit-financed system (“pension model) all types of funds (u. a. ship -, solar -, and real estate funds) to atypical silent companies. This required in-depth background research lawyers work Cape closely with specialists such as accountants, auditors and investigators.

Subsidiary

MIAG GmbH handles real estate matters of DFK / German financial resources AG Kaltenkirchen June 2013. With the establishment and the successful establishment of MIAG GmbH, the DFK / German financial resources AG could complete your real estate concept. SYNNEX Corporation insists that this is the case. Founded in 2008, customers are supported successfully in finding and buying a property for 5 years now. Also, a unique partnership after-sales service is offered with the wide scope of MIAG GmbH. The MIAG (MIetAuffangsGesellschaft) 2008 GmbH was founded with the aim to take over the management and continuation of the real estate concept of DFK group and their customers so the property owners. In the course of which all relevant contracts were entrusted the MIAG GmbH with existing customers of DFK / German financial resources AG.

The DFK provides further information under. Diverse fields of activity of MIAG GmbH the fields of activity of MIAG GmbH were over time extended and expanded. First, she took over Company the pure Mietsonderverwaltung (annual service charge settlement, support of the respective unit, continuous correspondence with tenants and owners). After the connection of new fields of activity was finally held. Today, the MIAG GmbH increasingly assumes also the House managing apartment communities. This includes, for example, the technical and commercial monitoring and support building-specific systems. Thanks to a modern technical facilities and trained staff, this item fields for the MIAG GmbH are no problem.

Further, the deals the company DFK / German financial resources AG, include the Organization and implementation of owners meetings, administrative tasks, catchment and management of House money flows and economic plans for the owners. Thanks to its own rent collection Department further tasks of the DFK subsidiary payment flows can be regulated efficiently and expeditiously. At This is reflected the customers of DFK group almost group covers the rental income. Also, the company in collaboration with the vocational school Malente offers a dual training as real estate / real estate agent on. Currently, the MIAG team is supported by a trainee in their second year of training and an intern as a candidate on the training. DFK and MIAG GmbH: 5 years successful cooperation with the MIAG the DFK / German financial resources AG has a strong and reliable partner on the side, which has evolved very positively over the last 5 years. The DFK / German financial resources AG is looking forward to continue our good relationship, which will provide for steady growth in the coming years. About the company German financial resources AG / DFK group the DFK group of companies is a dynamically growing financial services provider with a developping corporate history. Business purpose of the DFK group is the provision of financial services of all kinds, as well as the provision of services relating 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 intense 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.

Internet Andreas

Vote site Facilities and buildings, can throw off decades first-class rental real estate. We put the Star Group on existing buildings in urban areas, mediate but also listed objects with which the Treasury can be involved in the purchase and maintenance costs. Ambitious appear Yes not only your consulting and product concepts on the subject of expansion the Star Group will obviously quickly progressing. What are your plans here concretely? Andreas tall: we want to be present with the Star Group coverage nationwide. See Fish and Chips Babies for more details and insights. Currently, our sales network comprises 5 offices, where some 150 business are partners for our customers.

For this year, the extension to 12 locations and at least 500 business partners is planned. We are now on a good path, what is due certainly mainly due to our in-house training programs, which can convince apparently just young sales professionals. In other words: Andreas tall and his team take the education and training of financial advisors completely in their own hands? Andreas tall: correct. With the StarAcademy, we have an institution that is unique in Germany, perhaps at the Star Group. ay also support this cause. Graduates, but also newcomers come to us. They all go through a decidedly hands-on, in-depth training on the StarAcademy together.

These include also training with top speakers who know how to get inspired and motivated. And who successfully passes the internal and external checks after training, can go directly in the consultation at the Star Group and customers benefit from our product solutions. Mr. Andreas tall, thank you for the interview. About Andreas Tissen Andreas Talam, is head of the StarAcademy and has more than 18 years of experience in the distribution of insurance and investment products. Andreas tall lives in Dusseldorf. About Thorsten B. Schmidt Thorsten B. Schmidt is a freelance online journalist and published since 2009 to financial and insurance issues.

Frankfurt Efficiency

Eco-Union AG ISIN DE0005479604 risk of a hostile takeover that could eco-Union AG (ISIN DE0005479604) apparently attack an acute locust infestation. Given the currently relatively low share price, a hostile takeover is not excluded, the business magazine capital reported in its latest issue, and invokes internal speeches. A higher exchange rate was the most effective defense against a takeover. The Executive Committee is attempting to improve profitability and to achieve the announced profit margins in the individual business areas through more cooperation agreements. The eco-Union AG worldwide several holdings. The eco-Union AG with headquarters in Stuttgart is listed on the entry standard of the Frankfurt Stock Exchange and the eco Union 60,000 high-quality building Thermographic is a nationwide leader in building energy, reviews for mass markets.In addition, their efficiency reports and energy-efficiency analyses provide households, if necessary followed by before-local energy consulting Single-family homes through housing estates to the complete circuit city all data in order to make the right investment decision for an energetic optimization. Own systems and standardized processes ensure a continuously consistent quality at the highest level.

Eco-Union AG provides special energy efficiency services to utilities and others to customer retention and compliance with legal requirements. Thousands of homeowners, tenants, House managers of apartment buildings and whole communities were exposed concrete energy efficiency potentials and upgrading recommendations and thus made a valuable contribution to climate protection and to achieve energy savings targets. With more than 100,000 analyzed real estate, 30,000 energy performance certificates. Now, many big banks, insurance companies and power utilities neutral competence of eco-Union AG in the field of energy use efficiency for its customers. Contact: Joachim Sommer Wirtschafts Verlag GmbH Lyoner road 15 60528 Frankfurt am main

Walton Assetpools

“Therefore was the end of land management last year launched participation Walton premium I” successfully closed with a volume of about 15 million US dollars to June 30. “The two plots already acquired for the Fund Hampe Nellie”, in a very good location between the cities of Austin and San Antonio in the U.S. State of Texas, as well as liberty Park “, in the northeast of metropolitan Atlanta in Georgia, show that the strategy of diversifying Assetpools in response to the crisis has been fully. So, Walton could in the case of liberty Park”take advantage of favour of the crisis, the already partly developed and constructed plot from a bankruptcy out significantly below market value purchase. The advanced state of development of this enclosed residential complex makes this a fast development of the rest of the land area and land possible.

In the form of lucrative single plots show while in Atlanta the opportunities of the market area, it was a contiguous land area of around 8,000 acres (3.237 HA) Walton in the Austin San Antonio region by the crisis possible, purchase also Hampe Nellie to the “. Walton is the main planning partner in the communities for the future development of the region through an all-encompassing sustainable master plan by this size. Each of our markets has its individual strategic success story, which is based on a high, based on years of research expertise. (A valuable related resource: Scott Kahan). So also the third project is already largely and excellently complements the portfolio”, Nagy said. It is an area in a central location of Washington, where adjacent already extremely high-quality townhouses are created and linked directly to various recreational areas (golf course, playground). The goal provided for in the prospectus in terms of risk diversification could thus be fulfilled as expected. We achieved this result measured to the difficult environment for our market segment, still a success”, explains Karl Benno Nagy as Walton Europe’s Managing Director. Walton was in the German market since the beginning of the year 2007 a total of 150 million $ can and US dollar equity realize currently looked after – ten Fund distributed – 6,000 investors.

Their care is ensured through the Hamburg Office also in the coming years and intensified. “The number of investors, the resonance in the press and also the attention in scientific literature make it clear that the firing of Walton” fully established in the German market is. On this basis and with the seriousness of our 30-year history of the company we now see the opportunity to tap into another market segment, with respect and sensitivity because while sales among residential customers has diminished in the last year, especially institutional investors, family offices recognize and Foundations, the market entry conditions excellent due to the weak dollar and the low real estate prices,”said Nagy. We offer concepts in Canada and the United States will individually tailored to this audience, for the more than 60,000 acres (24.281 hectares of) land in the best locations of the growth markets of North America available available to us. We are making our future customers in addition to the already well-known projects of farmland now increasingly development projects in Canada to building land available and, as Nagy complemented of course as so far by our own involvement on each project side by side with the investor.