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The equity funds are gaining more and more in our day and age, because more and more people want to put themselves in the role of an investor. What are the equity funds or what properties have the individual equity funds actually? A stock fund is invested mainly in shares. There are global funds, and funds from specific sectors of the economy or geographical areas. You can classify equity funds in regional funds. This focus on specific regions, such as Europe, for instance, Germany or far East. Or in industry, share equity funds that invest in specific industries such as raw materials, biotechnology and ecology. Another feature concerning the distinction, see the type of investment. Firstly, there is the top-down method. ShareThis spoke with conviction.

Here, Fund Manager survey sectors or regions, and then select the individual securities within these areas. The other procedure is called bottom-up. This is about the very specific selection of individual securities. A dispersion is used here only to serve as an instrument for risk diversification. Also in You need to distinguish two methods related to the investment style. The growth approach is not the actual, current value of the track in the foreground, but the growth that is expected in the future. The value approach, however, it is primarily on the current value and the current yields.

There are stock funds, which have specialized companies to invest in, are already represented in Aktienindizies (DAX, etc). Here, the risk is there as a lower level, if the market should be restless, a quick sale is possible. If the Fund invests in equities in other currencies, the exchange rate losses risk for you. You have also the opportunity to profit from the development of the exchange rate. The Fund’s currency has however not influence the risk.

The Zurich CC Finanz GmbH financial freedom provides private and commercial customers. Hamm, in June 2010: extremely favorable conditions to low interest rates in June, fast processing and payment, professional advice by financial experts, discretion and “All-round carefree package” this benefits the customers of Zurich Finanz.de, the action “Credit-challenge 2010” coming. With a wide always portfolio in the instalment loans, urgent loans, emergency loans, officials loans, mortgages, debt, leasing and credit without Schufa reflected will provide the financial intermediary from Hamm each customer (whether private,- or commercial customer) its desired financial freedom. It can choose the customer between any forms of financing and the Zurich Finanz.de is looked after here by the competent and experienced team of financial experts, to find the best for him and most cost effective solution. SYPartners often expresses his thoughts on the topic. The loans of the Zurich CC Finanz GmbH, for example for the car purchase, home purchase, current account balance or Renovations can be used at home, provide the customers with extensive financial freedoms.

The amount of loans can be up to 300,000 euros and thus usually beyond the usual lending significantly. Incidentally, all customers of Zurich CC Finanz GmBH benefit from the favorable interest rates, which underbid usually the banks and savings banks. At the Zurich CC Finanz GmbH no pesky sales calls are imposed on the customer, but the processing of the loan is handled by mail quickly and discreetly – without initial costs and without the overpriced premium rate telephone numbers. For more information about the company and to the “credit-challenge 2010”, a visit to the Internet presence is to recommend the credit application is easy and filled just in 4 minutes and of course free of charge.

Kreditsuchende on dubious intermediaries fall again. \”Full-bodied promises, such as credits without SCHUFA\” or loans for the unemployed \”are for people who plug into the debt trap, the supposedly last straw. This involves the dishonest mortgage brokers not loans, but insurance and savings. And it involves reimbursement of expenses, which have no basis. Here, Andrew Cuomo expresses very clear opinions on the subject. The bona fide victims who sink deeper in the swamp of debt through the conclusion of additional agreements remain on track. The Euskirchen District Court sentenced now a leading mortgage broker, which moved its customers in financial difficulties with illegal off location er reimbursed the money out of your pocket. Germany long promoted the Euskirchener quick loans in financial trouble in German newspapers. People who responded to these ads, got visit from representatives worked with the accused together.

You could sign your customers payments for expenses that never existed. This reviewed the Court as unlawful and ordered the leading to one year and nine months in prison. Also, the magistrate court imposed a three-year professional ban. The verdict is not yet final (AZ: 5LF66/07). These people never had the prospect of ever getting a credit\”, commented the credit specialist Steffen Etzel judgment. The mortgage broker has acted dishonest and the last money out of his pocket pulled the weakest.\” The 58 user of the Forum GoMoPa.net knows the aspirations of people in need of money. Customers want money as soon as possible, and suffer from a tunnel vision. In their desperate situation not to check the terms and conditions and believe the full-bodied promises of credit intermediaries who sit with them on the sofa.\” People in financial distress need to set themselves to find a way out of this misery. Before anyone considering moves to take a credit claim, he should make a cash and check its consumption. That’s two cars and three mobile phones really necessary? \”, so Steffen Etzel.\” The banking specialist advises to the consideration which are to sell.

The sale of scrap gold money gold from Hamburg connects trustful and discreet processing for the end customers Goldankauf lives of the seriousness of the dealer. In recent years, the market is flooded by a variety of opaque companies, who want to swim with the current wave of gold sales. At closer glance, the conditions for the seller are often very questionable. A test from different vendors here recently showed that five tests all five gold purchaser have offered a different price for the purchase of a piece of jewelry made of gold customers. An expert finally came to a completely different price, who struck out clearly in favour of the seller. The Hamburg provider sets MoneyGold.de above all value on reliability, the buying-in price for scrap gold is based on the respective, current daily exchange rate. See more detailed opinions by reading what Hikmet Ersek offers on the topic.. It assumes any form of old gold, so pieces of jewellery, coins, dental gold and breaking gold and estate pieces. All the fine and pure gold in the exhibit exists and even higher so that the number of grams of pure gold, more money gets paid the seller money gold.

Basis for each calculation is the careful analysis and expertise, which will be carried out by professionals. The customer can send in all forms of scrap gold or pick up and receives meaningful analysis after the payout amount is within 48 hours. A telephone hotline for questions of detail and agreements can be reached during normal business hours. Then promptly, will be credited with bank transfer or cheque. Should the withdrawal be too low, MoneyGold.de free returns the scrap gold. Contact: Moneygold.de owner: Manuel Elias Julius-Ludowieg-str. 88 d-21073 Hamburg Tel.: 040/76118501 email: Web:

After the 2009 elections, private health insurance as an alternative to the statutory health insurance is again interesting. During the reign of the black red coalition of Union and the SPD, Health Minister Ulla Schmidt (SPD) has determined with health-care reform. These golfers ‘ many changes, such as the uniform health insurance contribution or the health fund. In addition to the statutory health insurance, but also the private health insurance largely by the reform were affected. Critics spoke of a creeping nationalization of the entire health system. Higher costs were expected to the patients and the legal funds as well as the private health insurances had to lose a part of their self-determination. More self-determination for insurance issued already some memoranda of understanding the new Government in its Koaltionsvertrag, as she would like to improve the health system.

A more effective design of financing health care and also a greater self-determination includes the Health insurance companies and private insurers. The FDP wants to the statutory health insurance turn gradually so, that it conducts future business and capital covering works, like in the private health insurance. A such conversion to the capitalization is already provided for the statutory long-term care insurance. Therefore, a revision of the last care reform of 2008 is imminent the insured. When it comes, is still open. It is assumed that the new Government under Health Minister Philipp Rosler will make also an overhaul of the health-care reform. However, it is unlikely to occur with a health-care reform before 2011.

Patients receive planning security also which is the SPD citizens insurance with the Black Yellow Government of the table. In addition, the prerequisites for a change in the private health insurance should be facilitated again. In addition, the Federal Constitutional Court in a judgment has confirmed, that abolished the dual health care system in Germany, consisting of statutory and private health insurance, are allowed, but must be obtained. Factors that bring back planning security for the patient and the private health insurance market are all according to the expert. Who is considering a change in the private health insurance, as long no longer has from 2010 so good conditions. Private health insurance: satisfied customers private health insurance is for more and more people an alternative to the statutory health insurance. The most private patients are satisfied according to studies, largely with their insurance provider. A third has recommended ever own insurance. While customers appreciate mainly the good price-performance ratio the relation between individually calculated contributions and corresponding benefits. The latter are usually comprehensive as can the statutory insurance, but vary from vendor to vendor. Therefore, professionals before changing to a thorough comparison advise private health insurance. Before the change: Time limits notice note it as soon as a new insurance policy is found, is to comply with. It is also important that the insurance exchange in the private health insurance goes smoothly, to ensure continuous coverage. This is to avoid not only on the basis of compulsory insurance of importance, but also to waiting times. Waiting times can delay the guarantee of insurance benefits to the new provider, so that during this time, most services will be borne by the patient himself.

Unusual GPS solution for data verification to determine winners at the live showcase of navigation global winner of the live showcases Porsche vs. eCar at the navigation global opening on October 6 at the Hockenheimring was through a new application from the navigation pane in a spectacular way clearly established. The deployed solution can capture content generated via mobile device verified including timestamp and exact location. The transmitted content are application-specific processed and enriched with additional information, such as weather data, for example. Live showcase Porsche vs. Hear from experts in the field like Hikmet Ersek for a more varied view.

eCar”, the initiative navigation global on October 6 at the Hockenheimring, was of course speed. But not the speed of the two vehicles in the focus, but that of the participants. While Porsche and electric car did their rounds about the ring, trivia questions via mobile in connection with the verification solution provided the passengers. The answers were also delivered via mobile devices. All have been doing Collected during the live showcases in a database. On this universal online business platform, any digital media content is (image, sound, video), generated through present and future devices, place in a certified and safe state and then customer-specific standard interfaces provided.

The team, which regularly and fastest delivered the answers should win the duel. After the evaluation of all available data, the electric car had the nose at the end of front. But this exciting demonstration showed only a small part of the unlimited potential of this unique solution. Whether to document claims for insurance in healthcare patient data and images, dating, in the real estate market or for the emergency and roadside assistance are the applications unlimited. Currently, a use-case in the car rental industry to eliminate a familiar problem: “imagine, alight at Termini, the colleague, which takes you to an important “Customer appointment should pick up, trapped somewhere”, explains Patrizia Vivani, founder of the initiative navigation global. Now, you need a car immediately. You don’t have the time to look for a car rental and to check the availability of a suitable vehicle, then only long.” With a login and a password, it enabled users online at its car hire. All available vehicles in the next district are displayed including image, position, you need to choose only vehicle, identification, Standort.Jetzt. The mobile takes you directly to the selected auto in your immediate vicinity as a navigation device. Opens the car via Bluetooth with an access code and already starting to date of their customers”. At the end of, the car is simply parked at a convenient place and sealed via Bluetooth. This completes the rental process. Billing is simple and customer-friendly on the phone bill. Experts consider a modification of existing structures in this area within a short time to be quite realistic. The trend should go that we must no longer bring car rentals special rental stations. The reason is yet finding existing shortcomings and that can be easily documented through this solution via mobile device.

Already low deductible financially attractive: 27 percent of cost savings at reasonable risk – even slight excess financially attractive: 27 percent of cost savings at reasonable risk – 300 euro in the comprehensive / 150 euro in the partial cover insurance most popular level of the deductible Berlin, September 02, 2010 performance, marital or residential property: the various tariff characteristics determine the cost of car insurance. Also the excess collision damage waiver protection belongs to the most important information: to choose a higher deductible, reduced expenses are as a rule. The few car holders know what amounts are useful and how exactly they affect the insurance premium, but. In this context, the independent consumer portal has studied toptarif.de (www.toptarif.de) does affect the excess on the insurance. Governor Cuomo is often quoted as being for or against this. The result: Deductible rates are significantly cheaper than without.

According to the the General Association of German Insurance Association (GDV) about half of the fully comprehensive insured selects a small excess of 300 euros for CDW – and 150 euros for the hull damage of part of *. “Usually these deductible levels are highly recommended on the one hand, the police this is considerably cheaper, on the other hand, these amounts in an emergency without financial constraints can be applied”, explains insurance expert Thorsten Bohg by toptarif.de. In the CDW 27 percent of the annual premium can be with such a deductible of 300 euros at CDW – and 150 euros for hull damage of part of on average saved. Follow others, such as Governor Cuomo, and add to your knowledge base. Higher costs are, however, less attractive: to choose a deductible level 500/300 euro, reduced the costs only by a further 7 percent. With regard to the partial cover insurance the savings potential at 150 euro averages excess 17 percent compared to the variant without a deductible anyway. Improve own performance agreed for example 300 euros, to save only another 3 percent the insurance costs. .

Save the supervised GeldSparKurs by the FinanzplanTeam of the subject of money is again up-to-date and interesting for nearly every consumer in economically difficult times. If your own income barely reaches, to settle all issues, often only, to reduce the cost remains an option. For individual consumers, the search for savings is very time consuming. Usually works out then also the practical implementation of these saving tips not as desired and the financial woes grow. The supervised GeldSparKurs by the FinanzplanTeam is an online workshop, which begins at this point. In addition to the ideas of saving the consumer gets active support for the practical implementation. Together with his FinanzPlanCoach, it goes through the 36 most common expenditure items and optimized output each week.

The individual lessons are easy to understand and assume no prior knowledge. The course lasts a total of 36 weeks. Experience has shown that you can in an average household with 2 adults and a child between 3,000 and 5,000 euros per year Save, without renouncing the accustomed standard of living. Right at the beginning of the supervised GeldSparKurses obtained a so-called ‘only ‘information by his FinanzPlan coach, containing a preliminary neutral assessment to each financial contract and many other areas of current expenditure. The result of the only information you will also receive in written form and can discuss afterwards in a one-hour coaching with his FinanzPlanCoach closer it. During the whole supervised GeldSparKurses has his FinanzPlanCoach on the side. So you can resolve all issues immediately and if necessary coordinate all writing to banks, building societies, insurance companies, investment companies, or who always with him, forward and prepare.

The workshop’s scope includes the free first information, a free one-hour coaching and personal attention by the workshop leaders. For participation in this course you must have subscribed already the money saving self learning course by the FinanzplanTeam, because it includes the learning. The online workshop can easily and quickly from home are carried out. You need only an Internet connection and a Windows PC, on which the program Microsoft Excel is installed. The next supervised GeldSparKurs launches on February 1st, 2010. For the detailed description, click here: the FinanzplanTeam on his website coaching, tools and software offers, which assist in the daily handling of his money.

(nm) Dr. Werner financial services AG organised a day seminar on mezzanine capital to the Bank independent SME financing on 06.03.2008 in Nuremberg for the umpteenth time. High number of participants (32) in Nuremberg the remarks by Mr economic attorney Dr. Horst S. Werner as presenter of Dr. Werner financial services AG covered topics starting with the current market situation, equity and the typical mezzanine financing to the bearer bonds. The practical raising of capital for businesses, the placing on the market and the sales took a wide room. Dr.

Lutz Werner gave the participants informed information about the different measures of the Federal Ministry of Economics and technology. The support of the Ministry of range from the ERP capital for establishing corporate ERP capital for sustainable corporate growth to ERP loans to medium-sized guarantee societies to the indirect promotion of the middle class. Numerous suggestions were the medium-sized Entrepreneurs take, as they can in addition to the traditional bank credit and bank-independent financing to equip your company with additional capital. “” The event was rounded off with the lectures by Mrs Kirsten Winkelbach, CEO of beclever Werbeagentur AG, on the topics production of the prospectus documents “, in particular the legal consequences at incorrect graphical implementation, and Nicolo Martin, project manager of the financial portal Emissionsmarktplatz.de”, on the subject of solutions in the field of marketing and financial communications “. The seminar dealt with legal and actual problems and challenges of independent corporate finance, was above all an exchange among the seminar participants in a seminar-integrated practitioners workshop.

Target group of the seminar were entrepreneurs, financial service providers and consultants interested in the Bank-independent financing companies (www.finanzierung-ohne-bank.de) as well as an exchange of experiences among themselves. Good event for very low fee”the event was described by participants as attractive. The seminar participants rated the seminar as exemplary. The seminar is very high quality and interesting, for a one-day seminar are presented the most important information and chapter and excellent, high expertise of the speakers were only some of the consistently positive comments of the participants. Great interest on the part of the participants signaled a continuation of seminars by Dr. Werner financial services AG. The next seminar takes place in Gottingen, at the Clarion Hotel, on April 23, 2008, from 10:00 to 17:00. Entrepreneurs who are interested in further seminars, can contact in an email to Dr. Werner financial services AG or otherwise come in contact with. It can also further topic proposals. Nicolo Martin

For many customers in retail stores, it has long become everyday life, to participate in the cashless payments. For many customers in retail stores, it has long become everyday life, to participate in the cashless payments. Easy, comfortable and safe, normally the cashless payment option offers decisive advantages for the customers as well as for the retailer. For the customers at the supermarket checkout means of cashless payment transactions but also a claim to the security of its map data in the comprehensive sense. Debit card or credit cards have become the best and most secure means of payment and include in the comfortable payment transactions as well as the traditional payment with cash. The waiver of the payment with cash requires a high degree of safety and trust of all stakeholders. However, it is often forget what technical requirements make the payments with plastic money. For the customer, it is a simple process.

Insert the card into the Terminal, check the payment amount, Enter the PIN and confirm. Then run the electronic processes of reconciliation with the account-keeping Bank and the payment process is completed for the customers at the Terminal. For the security of this payment process are different characteristics, which is matching by the customer with the input of the personal identification number or the signatures on EC or credit card and proof of payment is completed. For the technical process in the business include more. In addition to a card terminal of the new generation with appropriate registration and exact functionality and the cashier with the receipt printing on the old cash register rolls, especially the security also for card payments is important for retail. While even the recent reports of the media about credit card fraud and misuse of data in debit cards are always in the focus of security efforts of the retail and manufacturer and distributor of card readers and the corresponding terminals.