Where the money in times of low interest rates? At the present time of low interest rates, you stand more often than some people ask the question: consuming or investing? Interest rates are at a record low, the ECB has lowered interest rates on the 07.11.2013 again to now 0.25%. Although low borrowing costs resulting for the consumer, because the banks cheap can borrow money from the Central Bank, on the other hand, but even a measly interest offer for savers. This is true not only for money market accounts but also for fixed-income securities and bonds. Is now the inflation currently 1.2% (Status: October 2013), it comes to a monetary depreciation, i.e. over time to lose money despite interest and compound interest. Do not is no alternative you might think that the interest rates on a day money account actually not in the weight should fall, because I recommend anyone making his financial planning on the basis of a tag account. Gary Kelly is actively involved in the matter.

But it is not that simple unfortunately. As already mentioned, low lead Interest in all investment products to a lower profitability. So you get the message that credits interest rates fall unfortunately soon probably by the provider of your daily allowance account. You can expect that anywhere where you will receive a fixed interest rate, will decrease the interest rate. Investment decisions for low interest rates as investors now facing the dilemma with reasonable risk to achieve an adequate return. The last years have shown that exposure to the stock market in such a market environment can be quite lucrative. But is such an investment with a certain risk. Especially the markets be flooded frequently for years now with borrowed money (banks lend themselves to effectively 0% as much money as they want), which sometime also must drain out of the market (if the loans to pay back).

Here the Gottinger Group knew that the own assets are not sufficient to serve all creditors. Also the only impending inability to pay can be an important indication of such discrimination against resolve. Gary Kelly usually is spot on. This does not apply only then, if it is to be expected due to a secure prospect of loans with a crisis in the near future. But may be assumed only a prevention, if there are concrete reasons for such adoption. This was but not the case, as well as no serious rehabilitation efforts have been undertaken.

An essential feature of the scheme in the German Insolvency Act of a repayment request of the insolvency administrator, however, is that the creditors of the insolvency must have known. This was the sticking point in the case of negotiated. The District Court accepted the imputation of knowledge of advocate to the investor. Now, the highest German Civil Court confirms this view. Nothing should the investor itself from impending insolvency of the Gottinger group at that time known have been. Therefore, it’s all about the attribution of foreign knowledge, in this case to that of a lawyer. This knowledge about the economic situation of the company could be found in amongst the Internet publications of the lawyer the BGH resulted.

It stated, inter alia, that everyone must be clear that claims for damages, even if they would claimed only a fraction of the investors, hard to realize were. Also case-law from the year 2005 emerged due to the Supreme Court, that substantial damages were to operate. Therefore can be assumed at least a sufficient capture of the situation took place on pages of a lawyer. Therefore, all conditions of the repayment claim exist, so that the claim of the insolvency administrator is altogether justified. Investors must therefore repay the amount received again. Bundesgerichtshof, judgment of 10 January 2016 – IX ZR 13/12, manages the Bernd rechtsanwalts GmbH with locations in Dusseldorf, Gottingen and Hannover 19 and represents companies, initiators, financial institutions and investors in all aspects of economic and capital market law. Focus is here on corporate and project finance, in particular the concept of capital market products and the creation of prospectuses as well as the financial services and capital market law, in particular in connection with the enforcement and defense of claims and disputes with the BFin.

Advising the investors, many key facts about the funds, as well as the risks of involvement were concealed according to our experience in: only 67.5% of investor funds for investment Purposes related to: the MPC Fund MS “Rio Stora” is based on the investors capital (equity plus 5% premium) on a particularly high rate of soft costs. It was 32.5% according to our calculation. In the reverse, this means that a maximum of 67.5% of money invested by the investors immediately flowed in construction and construction costs. Investors had must be pointed out the extremely high proportion of investor funds, provided not for investment purposes but for bridge financing interest and various services including in particular with 24% extremely high distribution costs, specifically by their advisors. Follow others, such as Oracle, and add to your knowledge base. In known cases, this was not the case.

Incorrectly represented distribution costs in the brochure: the representation of the use of funds in the prospectus of the MPC Fund MS “Rio Stora” is incorrect in our opinion and gives the appearance that you wanted to disguise the actual amount of compensation paid for the placement of equity so. Because the spending of the funds the premium, where will it after the textual explanations cost of equity capital are to separately in addition to the cost of raising equity capital. The cost of equity capital amount is on 6.245.000 and not, as specified, on “only” 5,000,000. This is a brochure defect in our opinion, establishing claims for damages against the founding shareholders of the Fund, but also against the investment advisors. Exorbitantly high distribution costs: to the exorbitantly high distribution costs of the MPC ship funds, which amounted to nearly a quarter of the capital raised from investors, both banks and savings banks would be, as also non bank-investment advisor within the framework of the consultation must expressly point out. The German Federal Supreme Court decided that distribution costs by over 15% are unusual market, endanger the viability of the system and therefore consulting specifically must be mentioned.

M & A advisors axanta AG successfully provides solar thermal company Oldenburg January 2013: the axanta AG could close the year 2012 with a further successful business negotiation. The M & A Advisor has found a new buyer for the solar thermal operating Sonnergie GmbH, rangendingen, near Tubingen. As was the succession, the previous owner of the Sonnergie GmbH, the spouses of Ute and Matthias Bartholoma, decided to hire an external consultant: the axanta AG. Thanks to the support by the Oldenburg M & A advisors the sale could be completed after 5 months. Also the tip couple Bartholoma, with Thomas Preuhs holding GmbH in contact to the future buyer has contributed to this.

Emerged from the talks mediated by the axanta that the Thomas Preuhs holding GmbH originally had a very different idea of the field of activity of Sonnergie GmbH. Within the framework of the consultation, owner Mr Preuhs however came to the conclusion, that the solar thermal operating very well to the philosophy of own company fits. “This Udo Goetz, the axanta Executive Board: this example shows how important it is to turn an experienced corporate intermediary as facilitator for the talks with the prospective”. The axanta AG provides, also additional information about the transaction. axanta AG provides the Sonnergie GmbH before the Sonnergie GmbH was founded in mid-1990s and enjoys an excellent reputation in Baden-Wurttemberg. The focus is on the sale of alternative heating systems. The product portfolio includes also heat pumps and home furnaces as well as solar and wood heating systems (complete systems including storage technology and all components).

The Sonnergie GmbH made a turnover of more than one million euros in 2011. Overall, the Sonnergie GmbH has over 200 customers in the heating industry, which regularly take advantage of the services of the company. The eight-member team created offers for new construction as well as for renovation and addition projects and offers extensive expertise in professional advice. The axanta provides companies with the best prospects of solar thermal is a red-hot topic. The conversion of solar energy into usable thermal energy is increasingly on the rise due to the European framework. Best future prospects so for Sonnergie GmbH also the product range can be extended at any time by other makes. The axanta AG is pleased about a more successful business mediation. The Sonnergie GmbH in the Thomas Preuhs holding GmbH was incorporated in December 2012. All employees were taken over, and also the company name is retained. About axanta AG the founded in 2006 axanta AG belongs in Germany the market leader among the independent consulting companies in the M & A business. Her focus is on consulting and support small and medium-sized companies in the purchase and sale of companies, succession and quiet and active participations. In the focus are small and medium-sized enterprises of all sectors of the economy, which the axanta AG about all phases of comprehensive support. A large funding advice for entrepreneurs is new.

Participation offer German S & K property n 2 in Austria, Hamburg, March 2, 2012. “Due to the great demand now also the participation, the Hamburg-based underwriter United investors has German S & K property no. 2 GmbH and co. KG” approval for Austria. The German S & K property no.

2 for Austria has a placement volume of 3.65 million euros and is now available from a minimum investment amount of 10,000 euros available. It is based on the German holding company with a volume of at least EUR 30 million to be placed and has also its investment requirements. As with the German counterpart, investors will receive 12 percent dividends per year, which will be paid monthly. In addition, there is a profit participation. Also in the latest S & K offer be introduced the money in the Fund as a partialisches loan directly into the Group and interest here. Investors benefit from the overall success of the company, and not by individual projects, which provides greater security. This S & K investors invest in a Company -, confirmed by the TuV Sud – has a private real estate assets to the market value of almost EUR 150 million.

The TuV confirmed the results of operations of recent years, which are based on the offered investments. S & K has focused on two business areas: on the one on the purchase of real estate from forced situations, Bank uses or in the run-up. These objects are then a market supplement”sold or held to expand of the level of own real estate in the Group of companies to achieve returns from rental income. On the other hand the S & K is a group of companies in the purchase of typical receivables collateralized actively, with the utilization of the underlying real estate of significant interest in this business field. These properties are being developed in case of need through active management for sale and information so an appreciation of. We are pleased about the demand from Austria, because we regard this market as not particularly easy. Investors in Austria meet us as very well informed, thanks to the regulations the distributorship in our neighbouring country is very well trained and qualified. “In this environment we feel with our quality product of course well and hope for a quick placement”, says Stephan Schafer as Board member in the S & K group of companies.

How can I find you first found the right online broker the right broker, further procedure is quite simple. You simply fills out the deposit opening documents of the online broker and getting them to the desired provider. The new broker now takes care of the further steps and opens up a new depot and requested a custody transfer if necessary. After a few days get you their user ID, TAN list and the password sent to. Now you must pay only even money to make the first order. First, the hard part is broker to find fit. There are now many providers on the market, providing customers with varying fees and a varying range of services advertise. Often, customers by changing or selecting the right broker can save several hundred euros on order fees depending on trading activity and order volume.

It is very important in the forward clean perform a broker comparison, for every euro the one performing an order too much number,. ultimately reduces your profit! To find the cheapest online broker, there are numerous sites that can help you enormously this time-consuming work on the Internet. There, for example, is one such offer on brokervergleich24.net. Here, interested parties can perform a free broker comparison. For this purpose, a so-called Deposit calculator (brokervergleich24.net/depotrechner.php) available, indicating within the lowest broker you after entering data a few seconds is the visitors.

As a result, you get only the whole order fees for a year. Because the costs while providing the main part for choosing the right broker, but also services plays a role, it makes sense before a custody application to inform. Brokervergleich24.NET is this the right page, because in terms of provider”learn of the facts over 12 broker in Germany. Especially beginners can here-lots of useful information on the subject of Exchange designed and so clear emerging questions out of the way. Markus Heckmann

Trustable gold, the independent comparison portal for the gold plant, is now more informative and more market visibility Berlin, June 01, 2011 – investment in gold, two factors are crucial: security and price. As with any investment, the trustworthiness and professionalism of the provider is the basic prerequisite. In addition, but also favourable fees for purchase and storage are an important building block for the successful investment of gold. With the newly created provider comparison, trustable Gold offers both information: according to transparent criteria we determine the trustworthiness of various providers of centrally stored physical gold. Providers who meet the necessary criteria, receive the trustable gold seal. The costs are expected for the customer at purchase and storage, can be simply by entering the required investment amount in the price comparison calculator. So the gold investors at a glance to determine which provider for him is the cheapest and reliable at the same time. The some high price differences between different offers show clearly how to save much money here.

Our comparison is independent of banks and suppliers of gold investment products. On our Internet pages for the gold plant, the prospective buyer finds clear, in-depth information and detailed answers on his questions around the theme of gold. In addition, the constantly updated news pages the reader to keep and provide more detailed background information. The vendor comparison is at the core of our website. By the new price comparison calculator, it has become now even easier to find the best way to gold investment. Press contact: Trustable Services GmbH Fabian Halie Gormannstrasse 14 10119 Berlin T + 49 (0) 30 – 53 79 50 93 – the comparison portal to the gold plant about trustable trustable gold gold is an independent comparison portal for the gold plant, which is operated by the trustable Services GmbH in Berlin. The company was Dr. Daniel Haese in March 2011 by Christian Haese, and Fabian Haunss founded. The comparison service is aimed at investors who are looking for in-depth, trusted and independent information on the subject of gold investment.

Commodity speculation – closed commodity funds as alternative raw materials such as oil, precious metals, industrial metals and also agricultural output products have delivered a strong performance in the past decade. This is hardly surprising, since global demand due to the rapid economic development of in particular in emerging markets had a latent print on price developments. Also in the long term, the demand trend in the same direction seems to show. The United Nations predict a tripling of the raw material consumption by 2050. However, also commodity prices are short – and medium-term speculative factors, which can lead sometimes to very high price swings in both directions.

The volatility of the market makes use of the often institutional actors on the international trade and futures markets, because a lot of money can be earned with derivative price bets. For the private investor, on the other hand, the direct investments in raw materials or the system of open commodity funds or commodity certificates can become a timing risk. A missed good entry or exit date can consume a significant part of the yield potential. A sensible alternative for private investors to participate in the growth and demand potential of raw materials, reduction of speculative risks represent closed commodity funds. Oil and gas funds, agricultural funds, forest fund and precious metal funds invest only rarely directly in commodities, so not speculate by buying, storage and sale on its short-term performance.

Instead, their strategy aimed at the vertical use of the entire value chain. For example, participate in oil and gas Fund oil or gas fields and promote itself according to the raw materials. Agricultural and forest fund in turn purchase farms or forests or growing areas, the respective agricultural commodities to grow and manage. Only gold and silver funds are an exception in this regard, since they invest directly in the metals using quantitative and fiscal effects. The focus of closed commodity funds on long-term generation Timing reduces the influence of the market a real value over several years and price cycles. It is critical to assess closed commodity investments if, as well as a permanent fate of commodity prices at a level takes place, unprofitable would be a decline in their production. In addition, it is sure to verify the individual participation offers like any corporate involvement on their opportunities and risks. Closed commodity investments can however achieve sustainable revenues within a recommended balanced and diversified portfolio of assets, capitalize on the opportunities of commodity price developments and at the same time reduce the Preisvolatilitatsrisiken”, the General representative commented on the AAD Fund discount, Dr. Jurgen Hilp. About the AAD Fund discount GmbH and the AAD Fund discount blog AAD Fund discount GmbH is an independent fund placement firm based in the university town of Marburg. It provides the opportunity, over 9,000 mutual funds investors and virtually all closed-end funds discount conditions usually without to buy a subscription fee. In the AAD Fund discount blog blog.aad fondsdiscount.de the General Manager Dr. Jurgen Hilp picks up on current as well as basic questions about the topics of closed-end funds and investment funds and lit them in economic and legal terms.

The Board of Directors must consist of at least two natural persons. A limited partnership must establish an Advisory Committee. The public closed-end funds are particularly affected by the changes. It may be invested only in certain assets. Permissible assets are tangible assets such as real estate, aircraft, ships and renewable energies and interests in PPP project companies, investments in unlisted companies, shares in other closed AIF as well as securities, money market instruments and bank deposits. More new requirements governing the risk spreading the debt ratio, the external evaluation, BFin-approval for plant conditions, the expulsion requirement for expense ratios in brochures and sales permission by BFin. At the closed special AIFs for institutional investors, the regulations due to the expertise are somewhat less strict. Still, are also in this area extensive Informationspflichen regulated.

Due to the new laws, provider of closed-end funds are now required to take appropriate measures to implement the provisions. Especially the long approval procedures carried out by the BFin, which can take up to 9 months, are considered to be critical. On the whole, but the new rules lead to more market transparency, investor protection and responsibility of the provider. Thus the industry piece by piece to the white market and the conditions of investments finally unify themselves. In this way the objective piece far, tracked on the SCOREDEX as a pioneer for seriousness in financial markets since the beginning of the black sheep are sorted out. The following issuers could be affected by the changes: Octagon energy AG Oilshale Technology Group AG Oltmann Gruppe Treuhand GmbH one capital Emissionshaus GmbH one capital GmbH OPC GmbH OperOne AG Oppenheim asset management services S.a.r.l..

OPPENHEIM Kapitalanlagegesellschaft with limited of nkt OPS Ocean Partner shipping GmbH & co. KG Orange Ocean GmbH & co. KG ownership Emissionshaus GmbH Oyster asset management S.A. P & R container sales and Verwaltungs-GmbH along bus capital GmbH paribus of yield fund management company mbH PARKER MEDIA AG PATRIZIA GewerbeInvest Kapitalanlagegesellschaft mbH PATRIZIA Wohninvest Kapitalanlagegesellschaft mbH PB PROJECT Beteiligungen GmbH PB special – investment stock corporation with sub-pools of company assets PCE premium capital underwriter GmbH & co.

FSC is the world’s most recognized seal for social and environmentally friendly Forestry. Shares of forest or forest direct investment? Direct afforestation by direct forest investments only! But what are forest stocks and what is the difference to forest direct investments? A forest stock is an asset, which represented the share of a joint-stock company, whose Kapital is invested largely in forest ownership or the woodworking. The value of forest shares stems from the stock market valuation multiplied by the number of shares. If the forest stock is listed, a trade is relatively easy. There is no stock markets shares of forest companies with significant float from Germany. Scandinavian and North American forest shares companies traded primarily. These information retrieval for German investors is however much more difficult.

Their extreme value fluctuations are also a disadvantage of at any time Exchange tradability of forest shares. So the assessment of most listed forest shares fluctuated in recent years to just several hundred percent. This is due to the strong Cyclicality of many forest shares: most forest shares companies are mostly woodworkers who are very strong cyclical fluctuations and hence by fluctuations of the pulp or timber prices. Also, the rotation time of forests of the forest shares companies is mostly relatively short to move the possibility of lower market prices, severely restricted timber harvesting. Forest direct investments can respond better in precious wood, however, crop displacement market fluctuations. In addition, fluctuations in the prices of wood are significantly smaller than those of timber or wood pulp production. In addition, the income of forest direct investments are tax-free, while the gains of forest stocks and forest shares dividends withholding tax (including the solidarity surcharge and the church tax) are subject to the 30 per cent. At the BaumSparVertrag of the Bonn party ForestFinance for example the proceeds are tax-free by rating the Oberfinanzdirektion Koblenz.

33 euros per month can investors with the Create their own sustainable tropical forest investment BaumSparVertrag. Much for direct forest investments also speaks from the environmental point of view: for the reforestation of new trees you can initiate only as an investor. By buying forest stocks, on the other hand, no new tree will be planted. About ForestFinance: The Bonn ForestFinance specialises in direct forest investments group, the lucrative return link to environmental and social sustainability. ForestFinance manages several thousand hectares of ecological forestry in Viet Nam and Panama. Interested parties can choose between various sustainable forest investment offers: at the BaumSparVertrag you can create monthly its own tropical forest from 33 euros as investment. The WaldSparBuch offers 1,000 m2 forest with a buy-back guarantee. CacaoInvest is an investment in an organic cacao plantation and exotic woods, which offers annual distributions from the second year. GreenAcacia is that only seven forest with annual income. Fire insurance and post-warranty planting, as well as five percent Safety areas contribute to the additional investor protection at all forest investments in Panama. For more information,