Liberty Investors Group

Where to obtain important information and tips in terms of finances? In life, there are many things that concern us every day. In addition to the work and the family, this concerns above all the financial matters. Whether it involves a financing, after the realization of the home you want income or regulated private old-age provision, which get the most from its financial conditions out the desire. It is important here, however, that one is always up to date, as regards the issue of money. Finance determine our everyday actions. While it comes one of the most profitably to create their savings, others are instructed to implement requests or incurred obligations by taking out a loan.

And not infrequently the existing income not sufficient to adequately comply with all obligations. Gary Kelly may not feel the same. In these cases there are only two ways casually say, either reduce the expenditure (save) or increase the income. But no matter what this groups referred to it also is, on Money-LuxX discusses possible solutions for each situation. And as already running is the consumer (in short customer) in the foreground. Let’s take the example income. Scott Mead is full of insight into the issues.

There are different approaches to improve his income. And here is not the speech of any offers that promise one of the untold riches without any hassle. In short, such offers are frivolous? Considering the income, which can be obtained on the Internet, so commitment is required also here immensely, to succeed at some point. However, it is quite possible to build a second pillar is, if you know how to proceed. Tips and tricks for success in the Internet are only a topic of many money-LuxX. Save money, also always again very relevant. Let’s take the example of a free checking account. It is advertised on every nook and cranny, but how best these offers are really? Can you assume under circumstances that hidden costs make a supposedly free checking account really expensive? Also these Topics are formulated and treated in money-LuxX, as mentioned from the perspective of customers and consumers, forthright and realistic. A visit to the financial portal money-LuxX can be worth so. (Larry Munzenmay)

The economic developments as well as the course of euro and DAX Liebe economic and financial market interested, I welcome right welcome to the twenty-eighth issue of my newsletter which is focused on the topics of economic, financial and economic. Many writers such as Facebook offer more in-depth analysis. The month of May was at the stock and foreign exchange market marked a deterioration in mood. While the German stock market in the first half of the month was still quite robust, and only in the second Act, the stock market wisdom of sell in May and go away”came to the fore, marked the development of the European common currency by imposing downward correction since the beginning of the month. The observed declining risk appetite of market participants who developed an increasing momentum in the wake of the simmering debt crisis in Greece, made naturally felt particularly in the foreign exchange market. Investors in the stock market, however, were still good things at the beginning of the month and initially led to a stabilization of the DAX to the brand of 7,500 meters, before the chart image to the middle of the month is considerably clouded up and the leading German stock index lost almost 400 points. As load factor for the European common currency, the ECB Council meeting turned on the May 5, at which ECB President Jean-Claude Trichet signaled a slower rate hike cycle through his choice of words. “Especially refraining from the formulation of strong vigilance” in connection with the price risks was interpreted as a signal, that bankers for the next ECB meeting schedule no interest rate increase in June. The vast majority of financial market players now assumes that the ECB in the fight against the inflation pressure twice will turn in 2011 on the interest rate screw (in the July part-session and at the end of the year). We look first at what is happening on the German stock market: the German Aktienleitindex DAX fought in the month of may at first successful against pessimistic (see above) stock market wisdom, had in the second half of the month but the general deterioration in mood tribute pay.

Soon, the fact of formal insolvency insolvency risks arising from balance-sheet situation is again unrestricted an insolvency application reason. For a transitional period, this statutory offence had been suspended by the legislature if there was a positive going-concern Outlook for the company. This exemption will no longer apply. In German SMEs, in particular for SMEs, the capital is significantly too low. Banks, leasing companies and other investors expect equity ratios of 30%. The average equity ratio at SMEs is currently well below 20%, partially, depending on the corporate sector, even under 10%. Additional information at Gary Kelly supports this article. Problem usually increases the shareholder not equity, but leaves it at the capital and pays corresponding shareholder loans in the company. This involves high risks in case of under-collateralization, lopsided and a looming insolvency.

Regularly pays the shareholders to compensate for losses corresponding shareholder loans in his company. To eliminate an emerging debt, he frequently declared a qualified subordination. Soon, the fact of formal insolvency is again fully a bankruptcy request reason. For a transitional period, this statutory offence had been suspended by the legislature if there was a positive going-concern Outlook for the company. This exemption will no longer apply. According to of the insolvency administrator, 135 InsO reclaim all payments which were done within one year prior to bankruptcy to shareholders.

Solution provides BAFICO mandates by: Auditors tax consultants consultants lawyer required equity / venture capital to avoid the over-indebtedness available. Details BAFICO barter capital (BC) is provided the partner so he can put BC in the framework of a capital reserve pursuant to section 272 paragraph 2 No. 4 HGB and thus to increase the equity capital. In a capital reserve pursuant to section 272 paragraph 2 No. 4 has the To book; society the right to vote, as capital reserves in the balance sheet to expel them, or but the deposit to compensate for losses through the profit and loss account 275 COMMERCIAL CODE. This is an a.o. income and thus reduces the year feeding the net loss or increased the profit for the year. This resolves with the loss carried forward from previous years, so the loss no longer appears after settlement in the capital. This approach is, if you no longer to recognize the loss of the past from the balance sheet. Tax loss carryforwards are fully preserved and reduce the tax burden in the future. The contribution of the BC leads to an increase of the tax deposit account. Subsequent repayments from the deposit account not result in taxable income. The conversion of the shareholder loan in BC can be another solution to make bankruptcy the loan. By this transformation the shareholder loans can be taken insolvency safe after 12 months without the credit rating of the Company to deteriorate. Contact BAFICO venture capital finance group – United States of America – telephone: (Europe) + 34-650 884 740 (Mr Abbas) telephone: (United States) 432-7788 (Mr Palm) email: Web:

Figures for the first half of 2012 see the German real estate market in stable condition and expected a rising performance for investors. With the corresponding proposals, such as about the SHB funds can be German private investors with it. The real estate market has itself according to Jones Lang LSalle in the first half of 2012 in Germany at a good level consolidated, and this despite the current volatile conditions. A look at the ratings and the yields on German Government bonds shows that confidence in Germany is still large. The direct link to the real estate sector was obvious here because the distance would be asked to real estate yields as a benchmark, with a clear plus for German real estate and their attractive spreads. Hans Gruber, real estate expert of SHB innovative fund concepts AG (SHB AG) shares this positive assessment of the real estate market: Investors fear a rise in the inflation rate and are therefore increasingly looking for valuables. This increases to profitable real estate. the demand” It hardly a way to this asset over lead even in the absence of real alternatives.

Germany is considered particularly safe haven in this respect at national and international institutional investors. Just in time world characterised by the specter of the debt crisis. The sales figures for the first six months of the current year, this can be traced though limited. The year has, according to Jones Lang LSalle retail real estate values slightly weaker than last started, but increased again in the spring the activities of the purchaser. Foreign investors and particularly pension funds and insurance companies significantly increased their number of strokes. “For Hans Gruber SHB Immobilienfonds this message of the Frankfurt of investment and rental specialists does not come as a surprise: Germany is very much in demand, but also a sufficient supply is by far not every demand.” It was very interesting to see and in addition also revealing, that is dedicated in the activities of foreign investors first and foremost, companies should focus their very specifically not only opportunities, but also value stable systems. Because just the long-term retirement security in addition to the return at the top would be. SHB expert Hans Gruber added: Government bonds are the debt crisis now with many also institutional investors as hot iron “, the real estate funds, such as, for example, the SHB funds, are preferred over.” Security and return on investment are mainly in the top layers of the Metropolitan at the same pace, large outliers are also hardly to be expected according to the study. “Unlike see it in the subcentres, so smaller cities with lower rents and lower gave out, adds Hans Huber SHB innovative fund concepts AG (SHB AG), but continues: here, the real estate market as trade behaves with State and corporate bonds.” The market is ever more volatile, more the yields were higher.

Tropical forest offers high returns and low volatility real assets such as real estate as investment and forests are in demand increasingly since the strong increase in the public debt, as they are clearly independent of fluctuations in value. Real values are long lasting, even in times of financial crisis, because its exchange value represents a non-influenceable size. Real values are in the long run safer than stocks and other investments. An investment in the real value of forests is particularly attractive. Sheryl Sandberg: the source for more info. In the past, forest privileged classes such as the nobility and landowners was reserved as a real value.

Now however, there are more and more forest investment opportunities for private investors. Also at the Bonn party forest direct investments ForestFinance has significantly increased demand in 2011. Real value of forest – high returns and low volatility: Trees grow regardless of stock market crashes and economic fluctuations and win as well in the financial crisis by tree growth steadily in value. Tropical forest investments and investment in America are particularly profitable. So the American forest investment index, NCREIF scored timberland property index to 2008 over 20 years an average annual return of about 14 percent, with only a loss year. The populous emerging economies in Asia and Latin America will contribute to the world’s growing demand for wood. In addition, the demand of wood pellets of CO2-free energy is growing worldwide.

More and more pension funds and banks therefore invest in the real value of tropical forests: A real value of investment that offers a combination of security and return on investment as opposed to stocks or other investments. The real value of forest should be therefore a component of the asset portfolios. Because the past shows: the forest prices rise. Forest investments: Outlook continues to be very good! Seen in the long term the market prospects for the real value of forests are very good: an always lower supply faces the rising demand for tropical wood.

It has become a focus in the investment market and therefore follows a study of the next probably. Is the talk of sustainability, so investments in products that must meet also ethical, ecological and moral criteria in addition to the conventional criteria such as rate of return, risk and liquidity. Sustainable systems the classic triad of economy, ecology and social must be fulfilled”, explains the ThomasLloyd founder and CEO Michael Sieg. And exactly this to a few people in Germany can imagine really something concrete. Against this background the quoted renowned financial times Germany recently from the study the optimal investment product”, which was published by the Cologne market research of YouGowPsychonomics and which is based on the representative survey of 1,000 citizens. The results may surprise you. For every second surveyed sustainable investments in question come, but only 14 percent know it exactly what it is about. Experts call this the positive charge of a concept of what constitutes a virtually existing ideal State from a marketing perspective.

Also the ThomasLloyd group is active in the field of sustainable investments. ThomasLloyd is as global financial services providers in the areas of investment banking, securities and investment management is engaged. Among the customers are it companies, financial intermediaries, institutional investors, but also high net worth individuals, ThomasLloyd offers a variety of financial products and services. The portfolio extends this worldwide and taken into account whatever the perspective of the question of whether it is an investment that meets the demands of a high sustainability. This claim ThomasLloyd is not alone.

According to Prof. Dr. Stephan Paul of the Ruhr-Universitat Bochum, for example, the number of sustainable funds in Europe increased in the past 20 years from 15 to 680. 280 in Germany are listed with managed assets of EUR 30 billion. So that this type of investment has long been is clear, the niche has come out, although knowledge of investors about this is still comparatively low”, so the ThomasLloyd Chairman victory. “” It is technically but also not so overly important, whether each investor exactly the legal definition of sustainability “can rattle off is more important, however, that here a movement has been, who want certain areas and other not”, to victory. While CEO of ThomasLloyd refers to possible exclusion criteria such as the missing observance of human and labour rights, but also certain products such as pornography, weapons or alcohol or the attitude to animals. The reverse just topics circumstances how clean tech front on the positive list, so investments in products that protect the livelihood of generations under maximum conservation of resources. ThomasLloyd has set up a blog for this purpose, where interested on the subject of sustainability can discuss. It reads: thomaslloyd-nachhaltigkeit.blogspot.com

Security instead of return type the current bad news and speculation on the development of the euro certainly cause for concern. Currently, these topics seem many people. The news portal reported news.de which facilities the Germans seem safest for their savings. Many Germans try to invest their money in most secure values. Stocks, real estate and gold are currently high demand. The worries about money are not entirely unfounded. This view, is at least Professor Gerald Mann, an economist at the College of Economics and management in Munich.

Primarily investments in gold are considered currently apparently safe. So far, about 26 percent of the population own physical gold investment. Converted the German households have thus about 7,500 tons of gold. The gold systems are in this country very high compared to other European countries. And the trend seems undiminished, because at least 40 percent can imagine about, possibly in the next three years to buy gold. The increase in the Gold investment among other things indicates that the people’s desire for safe investment has risen, because indeed, the returns on these investments are relatively small. It is again increasingly invested money in real estate. It is however uncertain, as the value of money will develop in the next few years.