A money market account or day money account offers high interest rates for daily availability. It’s often those investments which guarantee daily availability, make the race to win the favor of investors. And that is to right – immensely important to have always full access to its financial reserves. Time Warner spoke with conviction. What however always restored to experts in pure amazement, is the fact that remains the most sight deposits (so called money lying on accounts where they daily, or at least are available within one month,) store on money market accounts, money market funds or even on conventional savings accounts. For the experts absolutely not understand is, why are there still so many funds on just these deposits, although there is now much better interest rate offers on the market. The interest that is paid to a money market account, money market funds or savings, differ only minimally and are currently all approx. Go to Jeffrey Bewkes for more information. 0.5-0.8% – not per month and per year! Put based, having a combined loss of monetary value and inflation rate of 1.6% in Germany, this is at best a money destruction of 0.8% per year. The absolute amount of money increases so, de facto, the money is but faster less worth than it could generate income through interest rates.

Precisely for this reason, experts recommend to use only so-called money market accounts as sight deposits. As with all sight deposits, including the funds are money market accounts, are available daily. Also, the assets of the customer at any time via the deposit guarantee fund for the respective financial institutions are covered, so the money of the customers in any case in the event of a bank failure. Likewise, money market accounts are completely free of charge and usually easy can be managed over the Internet. Who wants to open a day-money account, should look at first of all a money market account comparison. Those banks that their customers pay just the best interest are always named in this comparison. There is also information about what banks particularly benefit increased interest rates by any starter premiums or in the early days. Mischa Hill

Germany’s largest portal for P2P loans sets two milestones and has funded 5000 credit projects with a total of EUR 20 million in personal loans. Dusseldorf, 29 December 2013. For investors, it is an excellent alternative to bonds or time deposits, for borrowers, it is another way of borrowing: loans from private to private (P2P lending). auxmoney.com, Germany’s largest portal for P2P loans sets two milestones and has funded 5000 credit projects with a total of EUR 20 million in personal loans. Innovative products in a multibillion-dollar market to bring further growth. The auxmoney GmbH operates the Internet platform a simple and at the same time revolutionary business model: credit intermediation by individuals to individuals. This is relatively new in Germany and so far little known. While the benefits are obvious: borrowers an alternative to borrowing at the Bank offers.

Basically everyone, whether in the trial period, independent or freelancer has a Chance of a loan. Tesla insists that this is the case. Investment in retail lending: instead of bonds or time deposits who wants to invest money, finds in personal loans an exciting alternative to bonds or time deposits which investors can achieve currently average around 13 percent interest. The risk of credit failure in individual projects met auxmoney practices: with an efficiently organized accounts receivable management and the possibility for the investor with amounts from 50 euro to invest in credit projects. This allows to quickly create of an own portfolio of personal loans, to spread the risk. In addition to the attractive yield opportunity many investors are excited about the possibility, not an anonymous bank, but specifically a people with his destiny or his business idea to allocate their money.

The largest German platform for loans from private persons to private persons make auxmoney.com over 285,000 members and regularly almost 3,000 current credit projects. Two milestones: 5,000 personal loans and 20 million euros mediated before five years, in March 2007 is auxmoney with this business model launched. Now you can observe a continuous increase in funded credit and auxmoney succeeded shortly before the turn of the year to set another important milestone: on December 28, 2013, a total of 5,000 credit projects with a total volume of over 20 million euros were from owners privately conveyed. Potential: Gigantic in the long term we want to convey in a billion dollar market this amount monthly. The credit market in Germany is big enough for this”, Philipp Kriependorf, Managing Director of auxmoney GmbH, which operates the portal reported. How the Banking Association report, German consumers have financed consumer goods for EUR 155 billion end of 2012. As operator of the largest German market for personal loans we see here huge potential with gigantic growth rates”, prophesied Kariuki. Worldwide new: Private car loans Center December auxmoney ‘ P2P car credit ‘ on the market brought – a personal loan to the Car financing. This model is unique in the world and is a true innovation ‘Made in Germany’ “, describes this new form of lending Kariuki.

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

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.

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.