Regional Currency

Coinstatt cooperation with Payango GmbH (pk) decides there own, not State currencies in Germany more and more. See Thredup for more details and insights. The purpose of these projects is to promote the residence-based alternatives by (largely) owner-operated shops. The company Coinstatt, based in the North Rhine-Westphalian Herdecke operates the largest such performance covered regional currency of in Germany and currently expanding its offering by its own visa customer card. To this end, the Coinstatter with the PAYANGO GmbH have decided a cooperation in Berlin. PAYANGO gives out successful Visa cards for years, which are particularly safe as prepaid cards. It can, much like with prepaid cards for mobile phones, have paid previously on the card be has only. In this respect, the current account also with misuse remains protected.

In addition, effective protection against excessive debt is given. That highlighted that the Visa card by the largest German Landesbank, Landesbank Baden-Wurttemberg is issued the Reliability with another feature. Coinstatt is the first regional currency, which combines the advantages of the own system using a credit card with the visa customer card. The holders of the card get 240 coin for immediate use in our Verbund. “A transfer value of 240 euro is the”, explains Coinstatt co-founder Aydin Acharya and adds: we are delighted that we succeeded through the cooperation with PAYANGO GmbH, to offer consumers a product so interesting. ” The visa customer card by Coinstatt there are for an annual fee of 59.90 euros, first in Castrop-rauxel, Witten and Selm. Other cities will follow in 2010, the nationwide dissemination will join after the introductory phase. The map is the December output. There is information about the Coinstatt currency Peter Krause in the Internet at the URL

United States

Current mezzanine programmes begin in interest rates for businesses by 6.3% per annum and provided mezzanine capital already from a volume of EUR 0.5 million for companies with an annual turnover of at least 5 million euros also in the field of non-investment grade. More difficult framework conditions for standardised mezzanine programs refinance these standardized mezzanine programmes through the securitisation of the profit participation in bonds (so-called ABS or CDOs), which are placed into different risk tranches for institutional investors in the domestic and foreign banks. These funding programs has become much more difficult as a result of the sub-prime mortgage crisis in the United States, because mainly the securitisation market collapsed by the sudden decline in the liquidity of institutional capital. If mezzanine tranches in the future in CDO structures can be represented, the financing costs of the participating companies are where the individual The same mezzanines. Jeff Gennette is often quoted as being for or against this. In addition, it is expected that the provider with an increased volume of tranche will seek a greater diversification. Although the market for commercial paper, so completely has dried up for investments in securitised loans, this concerns at the time hardly loan financing for the German middle class. Because a bulk of the SME business in Germany is not verbriefbar anyway. Also due to the intense competition in the corporate banking margin expansions are currently felt less in traditional medium-sized business as in structured (transactional replication) financing. “According to Gundel, this is no reason for complacency: should the crisis of confidence among banks is longer, is not to exclude that it will come on the basis of the General difficult refinancing to a re-pricing of risks and thus also in the medium-sized business to a declining risk appetite of banks and rising borrowing costs”.

Managing Director

Dirk Rosinski, Managing Director of the AMTEX oil & gas Inc. is looking confidently into the future the importance of fossil fuels continues. Business and industry would collapse without oil and gas. Therefore, developments in the commodity market are setting trends for the future. Learn more on the subject from Ex-CIA director . After the rollercoaster ride of the past few months and a low of under 37 dollars per barrel, the price of oil has risen slightly.

On the 26 a barrel of West Texas intermediate (WTI) cost 43,21 dollars, a barrel of Brent North Sea oil was traded along with 44,68 dollars in both cases an increase of over 15 percent. This trend is set to continue on”, so Dirk Rosinski, Managing Director of the AMTEX oil & gas Inc. in Dallas, Texas (www.amtex.us). However, it is dependent on the recovery of the world economy. For now the value will continue at a low level, with tightening of the economy then the price per barrel rises in the next few months”, so next Rosinski. The possibility of order for March ended on the last Friday in March, but also for the April a further tightening of the price of oil is emerging. Correct economic forecasts are never easy to make.

Just in terms of the price of oil, many factors need to and more than for other trade goods are taken into account interactions of the global economy. Because crisis is not equal to crisis: while in some industrialized countries the economy weakens and decreases the demand for oil grows the demand in emerging countries and leads to an increase in the price of oil about an increased energy demand. Global economic recessions, such as we are experiencing at the moment, represents an exception. Other factors, such as the limit on the flow rate of petroleum exporting countries (OPEC), lead to influencing commodity prices and economic growth. “But Dirk Rosinski looking optimistically to the future: we assume that the demand attracts in the next few months and the price per barrel in the back to crack the 70 dollar mark.” Heimo Kantoro

Association Employees

BVMW President Ohoven compromise to the Investivlohn considers reasonable Bonn/Berlin – the compromise of the Government coalition on the involvement of employees in the company is a reasonable and relatively non-bureaucratic way. The warnings of the economy from a centralised fund solution showed apparently effect.” That the President of the Association said medium-sized economy (BVMW), Mario Ohoven, the corner points of the coalition working group today known. He hoped, so the middle-class President, that so is the overly bureaucratic Germany Fund off the table. This was a Central Fund of Kurt Beck in the last summer proposed model to pay workers, and which indirectly should participate in their companies. In contrast, the BVMW and other economic associations had called a direct participation of employees in the company. In Germany, only about eight percent of employees in the company are involved. Overall, only just under 4,000 companies make Offers corresponding to their employees. We have another backlog at the Investivlohn in the EU”, Ohoven. He was however confident that planned tax incentives for the acquisition of capital shares in the company will act as a primer. Ansgar Lange

Bay Trend

Mainz, September 13, 2007. Headquartered in Mainz, the trend capital AG realized their first investments in Dubai. Only 15 months after the closure of the investment offering the Dubai business Bay KG – the investment is carried out according to plan in favour of investors. All distributions for the year 2007 forecast are respected and all invested funds until March 31, 2008 as forecast – to the investors. By shareholder resolution, the entire project could be shortened in 2006 to 12 months already. More info: Keith Yamashita. All necessary shareholder resolutions are appropriately prepared and be the shareholder vote submitted.

“, so Frank Simon Board the trend capital group.” That is resold by the Fund of Dubai business Bay KG financed and under construction office building (www.silverstartower.com), according to 11.12.2006 of closed sale contract to the buyer as of 31.12.2007 ubergeben.IESE had the largest part of the building within a short time. All agreed Payments complied with so far fundamentally from the buyer side. The dividend of 12% is made on schedule in October 2007 for the benefit of the investors of the Fund”, so Simon. We are making good progress under the conditions to be evaluated as difficult in Dubai construction relating to. Currently we have a delay of about 3 months into the project, which does however not affect on the planned transfer of real estate. Parallel resulting delays in the completion of the infrastructure of the entire project in Dubai business Bay are the cause. Also the drastic increase in construction costs does not negatively affect the handing over of the project because the underlying purchase contract construction costing has been very conservative.

We are highly satisfied with the outcome of our commitment”all in all, accounted for Frank Simon. The Dubai business Bay KG is handled with a maturity of less than two years and a forecast calculated profit of nominal approximately 34 percent within the current double taxation Convention – and Thus, investors up on the reservation of progression, tax-free. appropriation of profits. A majority of investors scored a nominal profit of nominal 22.7 percent per year as a result of the effective for her investment period of about 18 months. Current construction reports, analyses, and other information can be viewed the trend capital on the homepage under. About the trend capital AG trend capital AG, founded in 2000, is an internationally active underwriter based in Mainz.

Health Insurance Selfemployed

Health insurance Selbststaendige.de luncht new price comparison for health insurance with a three SchritteSystem a health insurance for the self-employed should be tailored to the needs, because grade during the start-up phase, it is not only important cheap insurance to be, but to grant optimal protection in the price / performance ratio. Later, the insured person can the insurance with individual services to get on stocken, a maximum protection. Exactly on this, specializes and provides a quick and easy performance and price comparison the visitors health insurance independent. The three steps system offers the self-employed persons the possibility to get several offers from independent insurance consultants and insurance. So has the overview of the self-employed and must not just blindly trust on an insurance consultant, because hazards when choosing the insurance are tooth squadrons, excesses and the services the insured person not receives. Particularly worth mentioning is that rebates will only be guaranteed if no bill for the fiscal year is filed. The three steps offers everyone the right health insurance finding exactly the security and to assure optimal system. The website not only to learn where and at what price you insure themselves best, but what about services is also helpful information. This is an important point for the self-employed to yourself and your company optimally in the sickness and your business or company to protect the run to keep. We want to provide the separate information and not only leads for insurance “D.Hoinkis the Internet site operator”

Statutory Health Insurance Fund

Will there be no head package in the statutory health insurance? “No head fee health insurance say politicians of the CDU and FDP in the election campaign of the Landtag: there will never be a head lump sum in the health insurance”. Health Minister Rosler said: anyone who claim otherwise would scare people. In a conversation about the Landtag election in North Rhine-Westphalia, politician of the CDU and the FDP on the enforcement of a head lump sum is expressed in health insurance. “In a post for Welt am Sonntag”, Health Minister Philipp Rosler of the FDP and Hermann Grohe, CDU General Secretary say: A premium per capita “will not be available. Who says otherwise, wants to frighten the people and trying to dodge an honest debate.” Specifically, the SPD tried to unsettle the insured in North Rhine-Westphalia. “The two coalition leaders say clearly: who us under, we wanted to chief doctor and charge nurse in the same way, says deliberate untruth”. Changes in the health care sector could happen only step by step.

A reliable health system thrives on the acceptance of all parties involved. This prohibits abrupt system change.” Of social compensation through the tax system would offer the chance of a more equitable burden-sharing. Heiner Geissler, formerly CDU Secretary General, warned the Union to follow the proposals of the FDP on the subject of tax and health policy. “” When the CDU adopts the head lump sum, it is the State and federal elections lose as was Maggie Thatcher with their poll tax ” Geissler said focus magazine in an interview”. The Green Bundestag Group Chief Renate Kunast reproached black yellow, she would continue to work with trickery. “The promised fiscal equalization is pure eyewash given fast”, said Renate Kunast in Berlin on Saturday. It increases the premiums of health insurance funds in the Government Commission to consider health-care reform would have been called, “but no one dares to say that” the Bundestag Group Chief said. One Report of the news magazine “Spiegel” after the health and interior ministries disown on Saturday, Interior Minister Thomas de Maiziere of the CDU as a member of the Government Commission brought increases in premiums for the statutory health insurance in the game this year. It was but “completely far-fetched”, Roland Jopp, a spokesman for the Health Ministry.