Monthly Archives: May 2014

CTA Tax

In the money management can be included but discretionary decisions. A correlation analysis on a very short-term basis and the performance are crucial within a month. Was the month to date successful, several positions are allowed because the accrued profit is initially risked in the case and are not direct losses. Negative value development on the other hand, the risks are limited more to reduce the potential drawdown. This was implemented in the last three years more consistently, which investors could benefit from low drawdown phase. How much return potential given the customer with PC European markets? And what risk is associated with? Titus C. Castles: double-digit returns are clear goal of the strategy.

Of course corresponding risks associated. The strategy is only for investors with medium to long-term investment horizon suitable. Interim loss phases can keep out investors, you will be rewarded with the yields reported in the factsheet. Harbor Financial, as well as PC European To trade markets, via the American broker PFG. Why you enjoy working with American brokers? Titus C.

Castles: US brokers offer several advantages. You have great experience in the trading of derivatives and are controlled by the stringent U.S. regulatory agency, CFTC, which deals exclusively with futures and options. The principle of segregated accounts, which has demonstrated its effective action in the past, such as the insolvency of the brokers also applies to US brokers Refco in 2005. Customers will also benefit from a tax deferral effect, because the withholding tax does not like in Germany will be withheld for each closed position, but is due at the end of the year with the tax return. Portfolio concept has recently received the CTA licence and is therefore now entitled strategies with futures, to offer foreign exchange and commodity prices on the American market. Why is portfolio concept this step, because after all the one-off and ongoing costs of such licensing is notoriously high.

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ForestFinance Earth Day Piornier

Bonn company ForestFinance as a pioneer awarded for social and ecological commitment. “The German Earth Day movement has the Bonn ForestFinance as Earth Day pioneer of the month” award. Thus, the intense social and environmental commitment was honoured the provider of sustainable forest investments. “The Earth Day in Germany Earth Day” is celebrated every year on April 22 in over 150 countries across the globe; to strengthen the appreciation of environmental and climate protection and questioning consumer behaviour. The German Earth Day stands out once per month especially dedicated pioneers in environmental and climate protection Committee. The detailed article on ForestFinance as Earth Day pioneer, you can read pdf/pdm/2013-05.pdf on the platform for action.

Pioneer of the month Earth Day Honours companies operating in Bonn the Bonn party of sustainable forest investments ForestFinance combines private investments with long-term, sustainable afforestation at the sites of Colombia, Panama, Peru and Viet Nam. Earth Day President Thomas Dannenmann congratulates ForestFinance on the commitment: instead of monocultures ForestFinance plant forests, mostly from native tree species best hen. An idea per climate and sustainability, which should make school and we recommend all over the world, where this is possible.” The mixed forests, which Forestfinance has afforested over the past 17 years for over 12,000 customers, already offer a new home for many animal and plant species. Also, investment in rural areas enable stable employment gungsverhaltnisse. “We appreciate German Earth Day Ko-mittee huge award by the”, commented founder Harry Assenmacher the special award. Earth Day sets a signal for investments that offer actually sustainable benefits, instead of just a green image to simulate it.” “ForestFinance was already a variety of other awards, among them as the world’s only company the FSC Global Partner Award” in the category Financial services”. FSC is the world’s most recognized label for environmentally and socially sustainable forestry. In addition, ForestFinance is outstanding classified also by review sites.

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Rheinland Rate

House & basic Rheinland gives important tips before you should well inform the purchase of a house or a condo. At the current interest rate situation, the real estate purchase with good preparation can become a profitable long-term investment. However, some basic instructions should be followed. House & basic Rheinland gives tips on the purchase of real estate. The most important question: Can I afford in the long term a real estate? With a few simple calculations to determine his individual options”explains the Chairman of House & basic Rheinland, Prof. Dr.

Peter Rasche. There should be equity of at least 20 percent. Many banks refuse already financing without its own means”, says Rasche. A simple rule of thumb for determining the financial framework: the disposable annual income around a hundred and then divide by the load factor. This consists of the current rate of interest and a repayment rate of recommended two percent. The financing costs should the closing costs for notary and tax, of a total of ten percent of the purchase price and the monthly expenses to be added. Also a reserve in the amount of one euro per square metre for rehabilitation and modernization should be taken into account.

For the price of real estate to add only existing equity. Then, nothing in the way stands a solid financing. Ask not only at the local bank. A database comparison always pays”, advises the Director of House & basic Rheinland, Erik Uwe Amaya. Even in mature allocation of funds, a comparison may be worth. Because many savings in the high interest rate environment were completed, these contracts are no longer attractive. The building society is often offered a rate conversion and thus balance interest rates retroactively adjusted. A conversion is not always pays for itself. Old contracts worth often even the mature concept as a funding component to waive”Amaya says. In a low interest rate environment, care should be taken on long interest rate. Run-time are recommended at least ten years. The repayment rate is one percent the duration should be extended to 15 or even 20 years. Otherwise, by rising mortgage rates, the total financing is at risk”, says Prof. Dr. Peter Rasche. Therefore a repayment of at least two percent and the possibility of unscheduled repayments are recommended. If the asking price is calculated and affordable, the oscillating now on the market can look around. Who wants to buy a property, you need to find the right environment and the right situation. This applies particularly to investors”, explains Rasche. The demand is sharply on the real estate market, especially in the urban centres. Here, the offer is already scarce in some cities. Noise, transportation, infrastructure, development of the direct environment are the most important guidance here. The main argument must be location, location, location”, so quick. The good news is”location found and as investors you want to know if is worth a purchase in the long term, the ratio of annual return must and purchase price are considered. Dividing the purchase price excluding incidental expenses by the well-let and this value is above the national average of 20, an economic return is questionable. Among long-term users of self also the feel-good factor is one of but in addition to the financing, the development is often secondary”Amaya explains finally.

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Rental Deposit Insurance

Security deposit insurance makes it possible s who is looking for a new apartment, should be aware of many parameters to select of the right property or new home. But not only the location, the facilities and the monthly rent is crucial, often the amount of the deposit accounts for much. Perhaps check out The online portal geld.de reveals how it can look.

The security deposit insurance is the secret. Tenants who complete such in its insurance, need be to bail from this no longer deterred to more worry, and be. The amount of the deposit the landlord is free and can include up to three monthly figures. This money is paid at the beginning of the lease and the landlord. It serves this as a hedge in case of damages caused by the tenant in the occupied rental property. In the excerpt, a part or all the money can be used for repairs. No deficiencies exist, the tenant Gets the deposit refunded.

In the case of a security deposit insurance eliminates this provision. Instead, the insurance of the renter for the policyholder guarantees. The cost of such insurance are quite lower than the usually deposit. Should then in the pull-out complaints collected by the landlord, this initially pays the insurance. The tenant must costs incurred later reimburse the insurer. Such a solution reduces the financial burden at the time of the move.

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Munich Financial Fair

The 6 Munich brokerage and multiple agent fair exceeded all expectations of Munich, 14.03.2012 – for the sixth time, the gates of Munich brokers and multiple agent fair (MMM-) opened on March 13, 2012. Extremely satisfied, the organizer of the trade fair, the Fund financial broker GmbH looks back on the outcome of this year’s fair. Over 4,400 visitors answered the call of the broker pools in the M, O, C, Munich and learned at the fair with 170 exhibitors and 80 lectures and workshops of the innovations of the industry and future trends. Since 2007, financial the Fund organizes trade fairs for insurance agents, insurance brokers, multiple agents, bankers, home savings representatives and other financial service providers. What began as a small in-house exhibition in the premises of the broker pools, has become today one of the largest industry meeting in Germany. Every year, we can announce a new attendance record in Munich. That shows us again and again that it is worthwhile and that the industry this forum to the Exchange and networks urgently needed”, says Norbert Porazik, founder of the Fund financial. We clearly realize that change the interests of our visitors.

Earlier above all the exhibitors were crucial, so the lectures and workshops puts more and more in the focus of our visitors today”, Markus Kiener, Managing Director of the Fund determines finance. The financial broker pool responded to the wishes of its customers and doubled the training offer in comparison to the previous year. This time 80 lectures and workshops were on the programme with the top speakers in the industry. “Highlight of the programme was the lecture by Star speaker Prof. Dr. Dr.

h.c. Bert Rurup, in the atrium of the M, O, C, before 500 audience on the topic of business location Germany successfully age” spoke and explained why Germany can look confidently into the future. I am firmly convinced that Germany has a variety of economically good years to go. The visit on the MMM-show of the Fund financial today has me in this opinion confirmed. The large number of visitors, the high level of acceptance of the training offer and the many innovative ideas to show the great interest of the consumer alike of effective advice on new products”, says Bert Rurup after a day on the MMM trade fair in Munich. Financial with the invitation of all visitors and exhibitors in the 089 bar & lounge for a successful conclusion of the fair provided the funds. More events of the Fund financial: 2. KVK fair, KOELNMESSE, Cologne, June 5, 2012, LV Roadshow 2012, Germany-wide, 16-27 April 2012, events 3. capital show, Estrel Hotel Berlin, October 11, 2012, the MMM trade fair in Munich is the in-house exhibition of Fund financial Broker service GmbH. The Munich financial broker pool is the largest independent estate agent pool of in Germany with over 23,000 affiliated partners. To provide the best possible on-site service to their brokers, financial funds organized three trade fairs in Germany – Munich, Cologne and Berlin, as well as In addition all year round subject-specific road shows. In this way, all partners and interested parties have the possibility to inform themselves without long journey across all relevant news of the industry.

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Short Term Cash Loans

Payday loans Nova Scotia are a sort of short and fast cash programs. The salaried people of Canada can have access to this child of finance to meet emergency demands. It is necessary for the loan seekers to satisfy some conditions to be eligible for payday loans Nova Scotia. Citizens of Canada can avail this child of finance if they have passed 18 years of age. It is a got to that they hold a valid and active savings account. The loan seekers must have a of about monthly earning $1000 they must be self-employed or employed in any registered establishment. Payday loans are a child of small finance program to Nova Scotia. The loan seekers can fetch on the amount in the range from $100 to $1500.

The finance providers are ready to send the payable amount to the bank account of the respective borrowers within the same day or within the next banking day. Yes, the payment is made at at earliest convenience just after the loan application is approved. Payday loans Nova Scotia has been tailored as immediate cash program. The advances are made against the paycheck of the salaried people and are made in unsecured category of loans. The borrowers are not bothered to provide valuable possessions as a pledge. They have again been p of faxing their personal details.

Moreover, there is no distinction between the people with poor credit or those with good credit, because credit checking is not a part in processing the loan payment in payday loans Nova Scotia. Interest towards this child of loans is charged at very high Council. The Council of interest vary from lender to lender. There are provisions of extra charges in the form of fees and fines. There is no uniformity in the Council of interest or in the amount of fees or fines that are charged by the finance providers. Different finance agencies have their own Council. The Council have been so high that government of Ontario has to interfere into it. In 2008, the government of Ontario has tried to regulate the payday loans. It is clear to the government why the salaried people are maternal by payday loans Nova Scotia. The Council of interest towards the payday loans have been restricted to a limit. The loan seekers have been asked not to go for another loan before clearing the present one. Jennifer Janis is author of loans for Canada.For any Short Term Cash Loans, no credit check loans in Canada queries, payday loans toronto queries visit

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Control System Customer Information

User talk: neo deck Introduction s: An information system is a set of elements that interact in order to support the activities of a company or business. The computer equipment: hardware needed for the information system to operate. The human resource that interacts with the Information System, which consists of people who use the system. An information system performs four basic activities: input, storage, processing and output of information. Entry Information: The process whereby the information system takes the data required to process information. Entries can be manual or automatic. The manuals are those that are provided directly by the user, while automatics are coming data or information or are from other systems or modules. The latter is called automatic interfaces.Typical units for data entry terminals are computers, magnetic tapes, floppy drives, bar codes, scanners, voice, touch screens, keyboard and mouse, among others. Data storage: Storage is one of the most important activities or capabilities that have a computer, since this property through the system can recall the information stored in the section or previous process. This information is often stored in data structures called files. The typical unit of storage are magnetic disks or hard disks, floppy disks or diskettes and compact discs (CD-ROM). Information Processing: The ability of the Information System to perform calculations in accordance with a predetermined sequence of operations. These calculations may be made with data recently introduced in the system or data that are stored.This feature allows processing systems source data into information that can be used for decision making, making it possible, inter alia, that a decision maker to generate a financial projection based on data that contains a state performance or a balance sheet of a base year. Departure Information: Departure is the capacity of an information system to get the information processed or outside input. Typical units of output are printers, terminals, floppy disks, tapes, voice, graphics and plotters, among others. It is important to clarify that the output of an information system can be the gateway to other information system or module. In this case, there is also output interfaces automatically. For example, the Client Management System has an automatic interface with output accounting system, because it creates the accounting policies of procedural motions from customers.Below are the different activities that can make a Control System Customer Information: Activities carried out by an information system: Check Client Overview: name, address, customer type, etc.. Cr policies: cr limit, payment terms, etc.. Invoices (machine interface). Payments, debuggers, and so on. Process: Calculation of seniority of balances. Calculation of default interest. Calculating the balance of a customer. Storage: Movements of the month (payments, debugging). Catalog customers. Invoices. Outputs: Report of payments. Statements. Accounting Policies (automatic interface) balance inquiry terminal screen. The different activities of an information system can be seen in the conceptual design in illustrated in Figure 1.2.Types and Uses of Information Systems in the coming years, the Information Systems meet three basic objectives within organizations: Automation of business processes. Provide information that will support the decision making process. Achieving competitive advantage through its implementation and use. Information Systems to manage the automation of business processes within an organization are often called transactional systems, since its primary function is to process transactions such as payments, collections, policies, entrances, exits, etc..Moreover, information systems that support decision-making process are Support Systems Decision Making, Systems for Group Decision Making, Expert Systems to Support Decision Making and Information System Executives.The third type of system, according to their use or targets to meet, is the Strategic Systems, which are developed in organizations in order to achieve competitive advantage through the use of information technology. The types and uses of information systems are shown in Figure 1.3. Listed below are the main characteristics of these types of Information Systems. Transactional systems.

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Strategic Planning

Strategic planning is the process analytical strategy development and implementation of plans to reach goals and objectives. Strategic planning is particularly true in military affairs (where military strategy was called) and business activities. Within the business is used to provide overall direction to a company (called Strategy entrepreneur) in financial strategies, strategies for developing human resources or organizational developments in information technology and create marketing strategies to enumerate just a few applications . It can also be used in a wide variety of activities ranging from election campaigns to sports competitions and games of strategy like chess. This article considers the strategic planning of a generic form so that its contents can be applied to any of these areas.

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Costa Rican Social Security

Appeared in The Nation, 03 August 2009. RULE IS RESPONDING. Velia Govaere veliagov racsa.co.cr Deputy Minister of Economy cumplio The French Revolution 220 years. In Costa Rica, the National Meeting on Employment was held that day. It was a prescient coincidence that the term framework in Costa Rica of the modern paradigm of governance: the construction of public policies from below. Business and civil society came together with ministries and decentralized authorities to expose and sue, to listen and respond to the pressing issue of how to defend and promote employment. Public policy should always be responses to social demands. Revolutions in communication and culture and mass access to information of public affairs are the structural basis for public policies are constructed from the dialogue. Urgent dialogue. Gone are the days of digital gestures on the day of voting and then indifference conformist. But the Costa Ricans are accustomed to the stereotypical view of leaders who lead from above and from below protesting citizens. Is there something more urgent dialogue to defend the livelihood basis of all ‘in any case clear, the confrontation can neither defend nor create jobs. Neither diagnostic nor premises solutions were unanimously accepted. The Union of Chambers lament a loss of tens of thousands of jobs, while the Costa Rican Social Security showed that the number of policyholders had fallen just a little more than a thousand workers. Both figures are not necessarily contradictory but complementary visions from different perspectives. Those who have lost their jobs, they value their families continue to ensure self-employed and many are working when in fact they are improvising any economic activity to bring sustenance to their families. The axis of the proposals were rich and varied. Its centerpiece was the need to improve the business climate and business environment. Business and employment are two sides of the same currency in Costa Rica. Proposed tax changes, increased liquidity, decreased costs of financial intermediation joined academic challenges and the expectations of legislation allowing labor flexibility, and facilitate the attraction of new foreign investment. Interesting twist of lobbying where the government increasingly assumes a role of intermediary citizen suits against the legislature and not the other way around, as usual be the case. The government urged employers to show solidarity with its workers defend their jobs in these lean times, even at the expense of lower profits, because the urge to remember how to harness the efforts of its employees during the fat years. In all line ministries, I am an enabling environment to support, whenever possible and desirable, all the demands of social sectors and private enterprise. Reversal of priorities. At no time was our model for development. But the pulse of the times’m in for a reversal of priorities. Economic liberalization in Costa Rica should be complemented by strengthening their capacities to protect trade, industrial support and protection of consumers. The time is ripe to give muscle to strengthen the quality and safety of the products we consume. The crisis warns that the pendulum of national history is turning toward a consolidation of production with value-added chains, which necessarily involves the attraction of new investments that create jobs and support for domestic industry, especially the small and medium enterprises. Still resonates in the atmosphere these voices, when the natural tendency of our character tempts us to save your sound files.

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All You Need To Create A Small Company

Today anyone with a good business idea and enough thrust to carry it out can become an entrepreneur. Although the road to start a business is fraught with difficulties, with the support of the Administration and to all the entities and institutions, today is easier to ride years ago and one that no longer has to walk alone. But before we move heaven and earth, the What-rapid analysis to verify that the idea is worth ‘Experts say that a new business function: Must have a distinct market, ie targeted to fill a need of a specific sector of clients that add value that has no competition. The idea is to be technically feasible. It is no use a wonderful product that can not be manufactured or a service that can not be viable economically ofrecer.Ha, so that the relationship between investment and its recovery over the medium term do profitable and will generate enough resources to finance future growth. Must be supported by detailed planning, including, among others, a marketing strategy or even a contingency plan that provides the steps to follow if something goes wrong. Behind a computer must have a good qualification, led by a charismatic entrepreneur. Sometimes it’s better to bet on a team “of PRIMERAA” with an idea “of segundaa” that a less skilled team with a great idea. Support and accompaniment Councils, counseling, employment, associations, self-employed and entrepreneurial women are among the many institutions and organizations that offer free advice to business creation. By phone, in person or from their websites can inform you of their support and go to that seem most appropriate. Some only report the required procedures for legally constitute the company, other study your idea, think about its feasibility, help you find financing and even provide you a space in an incubator to be able to boot with rental costs affordable local and administrative services. And most interesting: some are offering courses to master the finance techniques of business management, an issue of great importance in that most entrepreneurs is flagging. There small business are several types of courses: from seminars a few hours in which only suggest basic issues as the choice of legal form of loans business or the contents must include the business plan up to programs of several months where besides deepening mentioned themes are addressing issues like marketing strategy or sales. The business plan, key If you are clear that your idea is valid and those thinking refinancing of seeking advice, you can start by sketching the broad outlines of proposed writing the business plan. No need to dig in and help you do it in an advisory capacity to attend, but go by the idea that a good business plan should include at least: The nature of the project which serves to explain the product or service to be offered, which will need to cover and that innovations bring. Also it is noted that people will form financing the team, their training, experience, features … The paragraph ends with a brief explanation of how the idea of business. The product or service: detailing its technical characteristics and the process to allow manufacture or offer. The NIR group hold funds and investments, all managed by has recently been elected to the Board of Trustees of The North Shore/LIJ University Health System The market: you must define the specific segment we are addressing, customer profile and potential of the sector, as well as a brief analysis of the competition and indicate the means to cope. The development strategy should be noted here, among other things, product policies, pricing, marketing and distribution and establish sales forecasts. Economic: This section should specify the most important financial aspects of the project (initial investment, funding sources available, expected results at three years ahead, etc). The executive summary: go to the start of the plan, but is written at the end and is a synthesis of the project in a couple of pages. Administrative Proceeding Since there are single points of business, through the process of starting a business is much faster and easier.

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