All processes are in a single structure. Adjust the interactions among themselves. The efficiency of the processes is so improved because at hand by concrete statements about deficiencies and weaknesses of a process is predicated. In the subsequent process of composition management, core and support processes are analyzed, because often problems not with the activities within the logically expiring process steps, but the interfaces, such as in the handling of on – and offline business in connection with the goods and finance or the nature of the complaint. They are often just the little things that lead to huge errors and into individual companies operations ground to a halt. Then, process indicators with the financial earnings be linked (liquidity, investment and control processes). This opens up the possibility of vote of all possible processes between the strategic and operational areas Central and decentral. Use true to the principle that only what is measurable in a chain store companies, can be controlled”, the chain can act rather than only respond.
Because he knows the Kuhn solution, whether or not he is good at what he does (decision support: KUHNRORI). This early and systematic control of the companies processes releases much needed finance to reduced risks, opportunities. You implemented a preventive companies leadership, which considers all activities and prioritized according to importance for the Filialgeschaftserfolg. All are controlled in a total single process system Activities that directly affect the Filialgeschaftserfolg and the liquidity. Also, the credit is affected specifically. Another advantage is that Fremdfinanzierer get a quick overview and confidence. “The question of how efficient is the chain store companies?” to answer, an efficiency rating system is integrated in the solution. It ensures the regular evaluation of the agreed objectives and the overall system. The once set target States are thus constantly tracked and continuously evaluated. At the same time, the Kuhn solution is the initial point for individual developments. Crises because you can better understand, adapt better to and draw new resources, with the challenges of the crisis better is being administered, the motivation increases to explore opportunities and to take advantage of, be the right insights for the future of Q1, is the risk awareness and crisis prevention improved a good base for which guidance is given in turbulent times (1110).
Without great risk through turbulent times, the Pfandbrief has always been considered safe investment which has proven also in times of crisis. Investors appreciate its excellent credit rating and stable pensions in Switzerland and abroad. Who so looking for a charming alternative to Government or corporate bonds, will be a solid basis in the mortgage. A form of fixed-income bonds called mortgage, provided by private mortgage banks, public credit institutions or ship Pfandbrief banks to fund mortgage lending. The Exchange Portal boersennews.de explains why the form of investment for good reason regularly receives top ratings from rating agencies. Under the letter P interested in the economic lexicon quickly reach on the mortgage. Its history dates back to the 18th century, when the great due to the loss of the war was Frederick forced to pawn the Silesian landscape, to finance the reconstruction. There are three different forms of mortgage bonds, the is differ with respect to their collateral pool.
Mortgage loans secured real estate loans represent the value of the coverage. Public sector Pfandbriefe are based on claims against States, countries or communities. The rarely occurring ship Pfandbriefe are secured by ship mortgage. The Mortgage Bank Act, the public Pfandbrief Act or the ship Bank law governing the respective forms. Due to the high level of security and the fixed interest rate, many investors use the mortgage to build of a capital assets or as a private old-age provision. The average duration is determined by the market and currently fluctuates between 10 and 25 years. The full repayment of the invested capital, regardless of the price, under which the mortgage was acquired is carried out after the end of the term. More information: boersennews.de/covered bonds… University Service GmbH Lisa Neumann
With the Regiogeld you can buy services by all participants. The return exchange rate in euro cannot be guaranteed and developed on the market. Performance-covered Regiogelder are on the basis of mutual credit clearing systems. … but usually no sales fee charge. The goal of Regiogeldsystemen is to promote the regional economy and to stabilize control.
The small room, where the Regiogeld is used, the purchasing power for local businesses thus made in the region, instead of abroad, or in financial markets investment speculation remains to emigrate. This is the relocation of jobs in the Abroad to be counteracted. Filed under: Mark Berger Villa Healthcare. The monetary system is an important part of the social environment of the people grassroots. A prerequisite for democratic engagement is to be able to influence the conditions of this environment in its essential aspects within most manageable structures themselves. In this sense regional money systems comply with the principle of subsidiarity the community helps the individual until its proven helplessness.. By strengthening the regional networking and a more direct contact between manufacturers and retailers, advocates hope for in addition:… According to the slogan of Leopold Kohr, Regiogeld initiatives to form regions with manageable and transparent flow of money try “Small is beautiful”. What one of the highest mountain peaks could perceive the area that there should speak shop man, invest and enjoy life.
The global exchange of goods is restricted, however, on what is necessary, meaningful and special, a sensible balance of “Globalization and regionalization the motto laptops and Lederhosen”. Instead of having money in inscrutable channels by companies and markets in the anonymous and incomprehensible vanishes, it brings together consumers, savers and entrepreneurs in its regionalised form. Source: by de.wikipedia.org/wiki/…; Author With Regiogeld the purchasing power in the region remains so: purchasing power is the real value of goods each and every one for the amount of nominal money gets (supply-and-demand principle). Purchasing power is also the national amount of goods for the euro. The stronger the euro the more can be purchased for it. National prosperity is known for the cross-border trade: more export than import. This quantity thinking says nothing about the quality of life in a national and regional economy and its ecology. We know that indeed losses of whatsoever affect positive GDP. Nature is certainly not accounted for… ‘Even if your society is not good.’ I wrote input: Savings banks distribute supply jobs (with our tax dollars) and others to ‘sacked’ local and regional politicians (Kausalistik) who can rarely read financial statements (accounting). These are then political instructed/briefed prior to voting. So get such as State funding directly in local armament factories instead of nurseries and retirement homes. Call that but please no corruption!
FSE Platinum AG sells January 2011 new LV purchase model of vialog GmbH Hamburg. The return expectations of capital life insurance for 2011 look Dim guarantee interest and participation will decrease current forecast to continue. Insured persons should lose no time and as soon as possible separate from their police, the FSE Platinum advises AG. Robert A. Iger addresses the importance of the matter here. In cooperation with the vialog GmbH, the FSE Platinum AG sells a new purchasing model that offers a rate at 2.75 percent, guaranteed payout plan policyholders from Hamburg. The crisis of the life insurer continues to the end of this year and a reversal of the negative trends in the guaranteed minimum interest rates is still long to see off. Some experts predict a further reduction of the guaranteed interest rate of currently 2.25 may be below 2 per cent for the next year already.
This prediction occurs in the coming year, so the interest of the LV policies halved smooth since 2010. Also the expected participation of the insurance are in free fall: the Assekurata rating agency has estimated that the running yield 2011 will amount to only 4.0 to 4.1 percent more than the average. 2009, some companies with good performance could offer their customers an interest rate of up to 4.5 percent. And today is clear as well that life insurance is need to adjust in the next few years more all time lows in terms of LV return, so the assessment of various industry experts. For the FSE Platinum AG is given the expected yield development that the capital life insurance as an instrument of private capital formation has largely served. But what are the alternatives have households that have completed a LV police in recent years, but with the sobering projections in terms of interest and participation does not want to settle? Of a premature termination discourages the FSE Platinum AG in any case experience, eventually these usually substantial cancellation fees, means the the payout often even well below the sum of the Press deposits. To do this, create an alternative, the FSE Platinum AG in cooperation with the vialog GmbH has designed a new purchasing model that allows not only protects, but yielding phase-out of existing LV policies.
With an interest rate of 2.75 percent, contractually guaranteed at this height of the FSE Platinum AG and vialog GmbH, the yield considerably exceed the currently guaranteed minimum interest of the capital life insurance. At the same time, the new product model allows a non-bureaucratic and short-term management of the police buying the FSE Platinum AG. Policy holders can call the number + 49 40 88 88 85 17 or be informed by email to with the team of FSE Platinum AG on the new purchasing model of vialog GmbH. About Platinum AG FSE FSE Platinum AG is the nationwide since 2003 as an intermediary in the area of insurance, mutual funds and Edelmetallsparplane. The sector complements the wide range of AG FSE Platinum real estate currently The FSE Platinum AG team practiced advising customer four-stages structured Advisory and analysis concept, with which the individual product needs of the client cannot be determined accurately. The mediation of FSE Platinum AG is independent of banks and insurance companies. The FSE Platinum AG currently maintains offices in Hamburg, Bremen and Cologne. Hamburg is the main headquarters of the FSE Platinum AG.
Paradigm shift is initiated an era of conservative portfolios with the onset of the financial crisis, in the now conservative asset classes are mixed up piece by piece. Larger fluctuations and loss phases, which can stretch out over months and years, it was used so far mainly of stock investments. But by no means of asset classes, whose value stability over several decades across could be duly established. Investors now face a huge challenge. You have to throw old beliefs overboard to position themselves in time for the new market conditions. Just open real estate funds the solid German had accessed to. This asset class has offered him solid well rented building and the prospect of earnings by about 3 percent to 6 percent per year. In addition, the daily availability was an argument with the too-cautious investors an investment move left.
Over the decades, this calculation has gone up and According to the herd behavior, the investors brought to light by following proven investment ideas, open real estate funds not only Depot part of institutional investors, but also private investors were highly popular. Relentlessly, the financial crisis has exposed all weaknesses of this asset class. And because after so many years of carefree, many fund managers had neglected the quality in their portfolios, it has become clear that you may not longer sweeping look at real estate funds. Devaluations and months-long interruptions in the pricing have pushed real estate fund as asset class from the base on the investor had most even picked it. In the future only funds can prevail with high-quality objects and good management. Quality and attentive management is now also available when buying bonds more important than ever. The renowned Cologne Fund boutique Flossbach by Stork points out in its annual report that the current debt crisis will transition to a world in Western government bonds Industrial Nations Bank and not more undifferentiated sure can be considered.
INFINUS AG financial services institution: Fund management multi manager approach Dresden converted, may 2013: to March 1, 2013, the financial services Institute INFINUS AG has converted its fund management of the single on the multi manager approach. With the extension, INFINUS combines the experience of two asset managers which are specialized on different investment strategies and improved access to various investment strategies for investors. Enlargement of the multi-manager the INFINUS AG financial services institution has redistributed the responsibilities for its umbrella fund with clear responsibilities. The INFINUS relaxed Fund will, as well as the INFINUS balanced fund and the INFINUS dynamic Fund, managed since March by DJE capital AG. founded in 1974 by the asset manager and today’s CEO Dr. Jens Ehrhardt, the DJE capital AG now ranks among the largest bank-independent asset managers in German-speaking countries.
The INFINUS AG makes available to see more information. The INFINUS AG Financial performance Institute is very pleased to have won, the DJE Kapital AG for the care of the INFINUS Fund (www.infinus-fonds.de). Because the asset management from Pullach is specialized in value-based and low-risk investment concepts for nearly four decades. You manage both private and institutional asset in the country and abroad and is one of the top addresses in the market. A.
M., a subsidiary of the Switzerland and an investment company in Luxembourg the DJE capital AG with offices in Cologne and Frankfurt is also internationally well positioned. INFINUS ecoConsort remains CATUS AG asset management sustainability fund INFINUS ecoConsort Fund performs the CATUS AG as yet the function of the investment manager. The INFINUS benefits under the supervision of CATUS AG continues from whose experience as a system specialist for environmental, ethical and social sustainability investment. The diversified portfolio of the INFINUS AG Financial Services Institute offers a very good risk / return profile investors together with the multi-management approach. Because the Combination of the best asset managers for the respective segment and the diversification of investment styles increase not only the likelihood of good returns, but reduce also the Volatilitatsrisiko, explains the INFINUS AG financial services institution. On the financial services Institute, the financial services Institute INFINUS AG INFINUS AG was founded in 2002 to its current headquarters in Dresden. On the date December 31st 2012 that supervised according to 32 KWG licensed companies nationwide more than 830 business partners. The exclusive product portfolio group among the INFINUS systems with fixed interest character and maturity between 30 days and 15 years. Five in-house asset management Fund (INFINUS relaxed Fund, INFINUS balanced fund, INFINUS dynamic Fund INFINUS ecoConsort Fund and INFINUS Terra premium Fund). Investors thus benefit categories of private banking from a thing-oriented all financial concept to the age – and risk management of real estate, commodities and green assets up to the most demanding. For Questions and additional information: INFINUS PR & Marketing GmbH Loschwitzer str. 38 01309 Dresden contact: Denise vala T: 0351-656-935-0 F: 0351-656-935-25
Debi select funds are well positioned the Debi select supports with its funds attractive in many ways and financing models the troubled middle class. The strong growth seen in the volume of this type of financing is achieved in 2010 shows the success of the factoring area, where the offers of Debi select move, last but not least. “Adjust quickly, or the middle class suffers again”, financing specialists demand due to the implementation of current banks lending standards better known under the keyword Basel III and Basel IV. The Landshuter Debi select group is joined to promote SMEs and provides for this targeted capital of specialist factoring companies. If banks for a first-class SME credit hold more equity than for bonds, can anyone calculate, how little attractive business with corporate loans for banks will be in the future “, warns the Professor Hans Jorg Schmidt-Trenz, CEO Chambers of Commerce. This makes impossible not only expensive, but in many cases financing for German medium-sized companies. It is nice, that the German medium-sized companies could significantly expand its equity position in recent years, thus so overall better.
“But this does not mean a quantum leap,” Norbert Wagner from the Debi select says corporate groups. “Because while Germany’s corporations are better than in recent years and in the press also full bodied the best give this, it hooks still there, where the gross national product is actually generated and especially the jobs: In medium-sized and small and medium-sized enterprises.” Currently, at least the mood in German SMEs is good, according to Creditreform outright record. About half of the companies surveyed described the current business situation as very good or good, only a few feel the market situation as poor”. This mood has become significantly compared to the previous year improved. In 2010, only slightly more than a third of respondents were similarly optimistic.
Chief Executive Officer Professor Hans Jorg Schmidt-Trenz also confirmed an increase in new of projects as well as a recognizable sales increase. For comparison, can currently about one-third of all medium-sized companies point to a clear increase in sales, there were only 19.4 percent in the spring of 2010. At the same time the share of companies decreased significantly, who complain about sales. “But this positive market development should not over it fool that the financing situation is still very tense,” Norbert Wagner from the Debi select thinks group of companies. It was obvious that the banks could take a significant influence on, continues the economy cracked on now or you just would shut off the air. The Debi select group has made free by this market situation and provides capital in the way of factoring then, if the requirement is met. Factoring is the purchase of money claims from Supplies of goods and services at discount understood. In other words: The Kapitalsuchende gets his money immediately, must however take a haircut in purchase and reward also the speed of the deployment. Doctors in fact Germany so settle private bills. Important for investment products, the Debi select as a pioneer with their Debi select sets a group Fund, is that the claims are safe, so secured or collateralized.