finances

If you eat regionally, you should pay also regional – also if your society is not good! Around the world, you can pay with approx. 160 national, global freely interchangeable currencies. Western Union is full of insight into the issues. You can pay in regions with a second currency of regional money – such as at the Baker with euro as well as with the regional money. Sure but not at national food companies and supermarkets. If you buy the regional money at a nonprofit community that retains such as 3% fees for it. This licence fee be non-profit distributed in the region. Regional money is a basisdemokratisches means, so artisan and organic farmers economically (such as cash) and can work long term! The older among us know the world of different currencies.

During their vacation in Europe, cash had to be exchanged before. Today, this does not apply in Europe. And world travelers have plastic money. Now you can create for themselves again a second purse for everyday use: for your regional money. You don’t know the regional money? I just imagine it. We Germans live in the three worlds of the social market economy: world of Ecology: nature world (green) Economics: cultures, Western and Islamic cultures of interest.

World of the social: subsidiarity works our world economy theory according to the vital principle of supply and demand (control). With freely convertible (interchangeable) currencies. In reality, all markets are subject to however cybernetic controls. This results in the huge global poverty. We remind ourselves briefly of the 4 primary macro-economic theories: Adam Smith (1723-1790): founder of the classical national economy, free markets and ownership-maximizing (FDP) John Maynard Keynes (1883-1946): demand management (SPD) Milton Friedman (1912-2006): offer control (CDU/CSU), critic of the welfare State, global monetary boost. Joseph Alois Schumpeter (1883-1950): The creative destruction: the interplay of innovation and imitation as the driving force of competition. The spiritual father of the “” “‘Free money’ is Silvio Gesell (1862-1930): because the money capital in contrast to goods and human resources neither rust” spoils”, an owner of money can withhold his money according to Gesells without disadvantage, hoarding”.

Overview of devaluation, property and pensions already produces a negative real interest rate the mass tide of money the central banks. To get the real interest rate, if one subtracts the actual rate of inflation by the interest paid on savings. The consumer is stimulated when the value is low. The reason is that it is no longer worthwhile to save and to invest the money. With low interest rates, people are instead encouraged to borrow.

Money is created from the loans from the banks. It’s called then the credit creation. It has no real relation more as would be the case, for example, when its currency to gold. To read more click here: Jeff Gennette. Thus, central banks can simply print money, that they can lend to commercial banks at low interest rates. This further increases the money supply in relation to the amount of goods.

This will trigger the symptoms known for inflation because price increases and a loss of purchasing power as a result caused. In the presence of large parts store of today’s assets in bank accounts in securities such as fund shares, stocks or bonds. Many investors no longer have confidence in that since always safest form of securities, namely government bonds currently in the financial markets. Investors are looking for in periods like this after a safe investment or asset classes that are also in a complete collapse of our monetary system able at least to get the original value of the assets. Tangible assets offer a safe investment. In contrast to paper values meaningful monetary systems will be never worthless. Tangible assets are only those that rise at least as much per year in the price, such as the inflation rate value stable. If currently a thing in the price is the same (is so stable) she currently even loses its value. Monetary assets are real estate or gold now on everyone’s lips.

Currently, gold is very highly rated in historical terms. Due to the dynamics of global economic conditions and the often unpredictable behavior of investors a safe prediction of the future development is not however possible. The gold price is however already now extremely beneficial for all persons who have coins and dental gold since a long time gold in the form of bullion, jewellery, watches, and selling their precious metals in consideration. A such favorable market situation is very rare and should be used to report white as the Aachen-based entrepreneur and precious metals expert of Guido Frings due to its long-term observation and participation in the gold market. The possibilities are Guido Frings consciously offered the individual interested in the gold sale. In this context, he advises strongly only to carry out a gold sale, if the value of the item specified by current time standards is known. Otherwise the gold sellers in danger, to sell his valuable objects below their value. The proper assessment of jewellery includes also gems, uniqueness, and the condition of the jewelry piece next to the gold value.

Turn special apply for watches Metrics, while coins often have a collector’s value that exceeds the value of their material. Private gold seller is usually overwhelmed by the variety of different aspects of the assessment and will require the support of a trusted expert. Guido Frings and the employees of its precious metals trading Frings Aachen company with full commitment comply with this advice needs. The precious metals expert appointed by courts and insurance as a diamond expert and clock expert valued the jewellery and watches of his customers according to professional standards and current prices. A comprehensive, detailed assessment and consulting ensures that the customer can implement its sales projects to optimal conditions. The wishes of its customers according to Guido Frings creates many value objects without delay a purchase price that he pays you immediately in cash upon completion of the business. For further information on gold and gold sales are Guido Frings and his staff in the Aachener Establishment of the company at any time gladly. Precious metal trading Frings press information contact: Guido Frings old-Haarener-Strasse 101 52080 Aachen Tel.: 0241 99003341 fax: 0241 99003342 email: Homepage:

Save money with an attractive day-money account! Who would like to create his hard savings money, has different ways. You can invest his money in the form of shares or funds, yields methods that are associated with an increased risk, but consequently more. Or you can fall back on the more conservative forms of investment and so play it safe. James Reinhart often says this. As a completely secure forms, one can call among the traditional savings bond, the test money or for the day. Money market accounts differ from the two other savings methods due to the fact that the applied capital here daily, even hourly available. You can put money on the day money without much effort at any time, withdraw, or dissolve it.

It is also no problem parallel to lead several money market accounts to benefit from better interest income. Since the conditions differ widely between different providers in part, a comparison is recommended before the election of the day account. between the various Banks to conduct. Generally speaking, direct banks to have better interest income, as they have a more efficient cost structure as brokerages. Best, you can calculate the most lucrative conditions for a day money account by you are served a day money of interest calculator. Can be found mostly free on various Internet pages overnight interest rate calculator, which deal with the topic of money.

After entering the amount of the loan the federal funds interest rate calculator calculates then quickly and completely anonymous, which Bank can throw the best interest rates. This can be of course only one bank, which is listed on the respective page. Therefore, it is advisable to use multiple pages and the available federal funds interest rate calculator. Who so after a good and uncomplicated form of saving searches, or would like to simply times like to deposit his money, and it wants to earn a few euros to do so, should look to be sure provider after a lucrative day money.

Guaranteed interest rate for life insurance drops to 1.75 percent extremely low interest rates accompanied the last years in Germany. Now, however, a drastic reduction of the guaranteed interest rate was fixed by the Ministry of finance. A change that will affect well insured from January 2012. Long-term promise of the insurer regarding a guarantee rate of 2.25% can no longer be held due to a decision of the Federal Ministry for finance (BMF) in this context. Thanks to the new decision, the previous, and held for years, guarantee interest rate for life insurance policies from the beginning of 2012 will experience a setback to 1.75%.

For those who want to protect themselves from this point by means of a life insurance policy, the new interest rate will be decisive. The current guarantee interest however remains existing customers, however, have been around for years, a life insurance policy in their files. The goal of the guarantee rate cut is also smaller companies on the capital market new opportunities with regard to the according to the Ministry is, Returns to allow. A target that could be in the interest of consumers. What actually specifically behind the guarantee of interest? The impact triggered by the new reduction for the customer? Two of the many questions that are called now by the decision of the Federal Ministry of Finance on the plan and require a competent answer.

Some of the issues now raised can anyone interested see… read as well as answering the same. Time to find out, so in the sense of young people who have a scheduled life insurance for next year, thus enabling a secure basis an appropriate personal decision. Press contact: Frank Optendrenk OC projects, Optendrenk & Calinski GmbH Grefrather road 25 41564 Kaarst phone: 02131 4038940 E-Mail: webmaster at life insurance verkaufen.de Internet:

The return of the return fund is generated by the ongoing rental income from several hundred apartments. The stock of real estate to be acquired has a gross profit margin of about 7 percent. In addition a sales profit on the basis of an expected increase in the factor of 13.0 on 13.7 of the term at the then energetically fully optimized housing stock. The real estate 24 Emissionshaus GmbH works together with the German Arbeitskreis fur Umweltbewusstes management (b.a.u.m. e.V.) concepts to the energy-related modernisation for inventory objects, as well as with the tenant education.

The concept and the investors – and trust management of the return fund collaborates with the RAD trust Hamburg GmbH. The RAD group was involved until now on the conception and management of closed-end real estate funds in the volume of EUR 13.5 billion. About the sustainable residential real estate of return on funds: The funds invest in apartment buildings and condominiums in North German cities from year of manufacture 1960 and strive for energetically sustainable exploitation of the stock to be purchased. Residential real estate are responsible for more than 30 percent of primary energy demand. Energy improvements can reduce the demand for primary energy depending on the year of manufacture up to 80%. A consumption of primary energy of 100 kWh/m2a and a total savings of 102 million kilowatt hours, or 10.2 million liters of heating oil is planned for the existing objects of the first Fund. Energy saved could produce of heat insulation material for a town of more than 4,000 single family homes. The Fund combines an intended after tax yield of 6,9Prozent p.a.

with the increased protection of tenants against rising energy prices. With early voting with the authorities may be given social tenant issues be taken into account. 24 real estate: The real estate 24 GmbH has a successful performance record in the field of acquisition, acquisition financing, development, management and sale of Apartment buildings and condominiums. Under the leadership of its Executive Director Rudolf Marloh, the real estate 24 has GmbH between 2002 and 2005 a residential property portfolio EUR 6.8 million purchased, with a yield of 7% managed and marketed with a gain of 26% (IRR = 8Prozent before taxes the GmbH). Previously Mr Marloh as Managing Director of Telos House and Grund GmbH of Hamburg from 1997 to 2000 had acquired a stock of residential real estate of EUR 37.8 million manages with a profit margin of 9%, (IRR = 11% before taxes the GmbH) sold with profit before tax of 20 per cent.