Tag: finances

New York

Not surprising when the largest energy consumer in the world. On the NYMEX in New York increased the price of the mineral variety “Light sweet crude” to 1.38 USD 78,05 USD. If you were as a trader of binary options, able to predict this price spike, it was almost sure that you end up until the end of the year “in the money”. We look at how you would proceed using binary options at the above price movement for oil. Binary options you choose just “call” If you think that the price will rise, or “put” it should fall. The price for the variety is on December 24 “Light sweet crude” for 76,67 USD. You have the feeling that at the end of the day, the price goes up. As a trader of binary options, you predict a price increase, because the day before, the price of oil already had increased 2.27 USD 76,67 USD per barrel, after a U.S.

Government report showed that the need is in a row twice already in the second week as analysts speculated. So login to your online account for option trading and buy a call option of 100.00 USD on the base rate with a duration up to the end of the day. The operator of your binary options platform offers you a profit of 70% if the option is “in the money” expires. So what does that mean exactly for the traders of binary options? At the end of the trading day of December 24, 2009, when the price of crude oil is over 76,67 USD, you have a profit of 70,00 USD plus your 100.00 USD you invested in binary options. If the crude oil price is less than 76,67 USD, you get 15.00 USD of your original investment back, and if the price remains the same the 100.00 USD returned back to you. We now know that price of oil was on the 24th of December at 78,05 USD – so that you would have ended in this example for trading binary options with a total of 170,00 euro. Trade binary options on oil can be very lucrative if you always up to date on trends in the industry informed and followed political events affecting the price fluctuations. We recommend therefore that you take on the daily messages to remain on the ball and binary options to buy as soon as they see an opportunity to profit from the price swings.

People Loans

You can fulfill your emergent needs through loans. If you can do not have much time then you can apply for the loan online. After approval online lenders will transfer amount in your current account. Today loan has become very common among people. It is the easiest way through you can solve all your financial problems. The UK government grants numerous schemes for the benefit of people.

They can improve their lifestyle with these schemes. Many of you are unable to fulfill your demands with required money. These financial institutions help the people with money for the execution of their unexpected needs. In the market, many finance companies, banks, firms and lenders are available to offer loans for people on benefit. These loans give benefit to the people to overcome from their financial crisis. The loan amount depends upon various factors under loan for people on benefits like monthly income of the borrower, health status, monthly income, income from savings and investments etc. lenders and finance companies set rate of interest and time duration for repayment after checking the financial condition and credit history of the borrower.

You can acquire money by two ways namely secured and unsecured loan. Sometimes, long-term and short-term needs can occur. For long term needs like going abroad for higher study, long medical bills or electricity bills, construction of home, wedding expenses, vacational trip in a foreign country, etc. secured loan is the best way. To get this loan you have to pledge your valuable asset like luxury car, home, property, jewellary etc as a security against the loan amount to the lender. As collateral based loan, lender carry lower rate this is of interest and give you best opportunity to return the loan installments in a longer period of time. For the fulfillment of the short-term needs like money for tuition fee, vehicle repair, small household expenses, health ailments etc. unsecured loan is the right choice. There is no need of collateral to acquire loan. Lenders offer comparatively higher rate of interest on this loan because it is free from collateral. Carl Icahn understands that this is vital information. The repayment procedure is short and borrower has to return the amount within this period only. As the name suggests that bad credit loan for people on benefit are advanced to people who are suffering from bad credit score. These people face CCJ, IVA, arrears, defaults and even bankruptcy in the end. Bad creditors can therefore acquire this loan and enjoy the benefits. To apply loan within short period of time online way is the fast way. Online procedure is so free from collateral issues. Online application forms are available on internet and applicant can fill it from anywhere of the world. Then you will get confirmation of your loan through e-mail. Melissa Mia is advisor of cheap loans for people on Benefits.For any unemployed loans for people on benefits payday loans for people on benefits visit

Greek Bonds

What to do with the junk paper? The financial situation in Greece has reached Europe long ago. Not only take that hope the Greeks to support the other members of the EU and the International Monetary Fund (IMF) to complete. Even investors of pension funds feel the immediate impact. Finally a clear case of the courses, is already allowing fear major losses. The finance portal geld.de reveals what bonds are still considered safe. If you are not convinced, visit Samsung Electronics. Investors of pension funds (investment funds types of Fund rentenfonds.html), where the money was distributed widely, can breathe a sigh. A too great loss is probably not caused by the Greece crisis. Financial setbacks occur anyway every now and again, for example through rising interest rates or falling economy.

Due to the recurring fluctuations it is advisable therefore to keep the Pension Fund for a long time in possession. Investors should expect when establishing a fund with at least three years. The investment term is in the ideal case five years. However, who bought a bond index fund, you should keep the country composition in the eye. The emphasis in the southern European region and the PIGS (Portugal, Italy, Greece and Spain) accounted for more than 50 percent, at risk according to the Stiftung Warentest. Then, investors are well advised with a redeployment of the funds. When establishing a new Bond Index Fund, it is worth to put on bonds of the Federal Government. A good example is the ishares EB.REXX Government Germany. The website of the provider informs about the current index. Greek bonds due to the tiered credit notes almost as junk securities traded: the rating agency standard & Poors has them on BB + graded. More information: presse.html Lisa Neumann University first media

Michael Minderjahn

Within a few days the second HCI to announce Fund ship insolvency for the Fondsemissionshaus is it thick HCI: after the container ship MS “Hammonia Majesty” to the HCI ship funds belonging to shipping select XVII the second ship of the Fund was bankrupt within a few days. Over the assets of 1999 set up fund MS “Greta” the preliminary insolvency proceedings opened now. Already in 2009 economic problems had surfaced at the multi-purpose freighter, which led to the suspension of instalments for the recorded credits. A beschossenes to the end of 2010 and 2011 implemented restructuring is now obviously failed. Under most conditions Icahn Enterprises would agree. Very please for the investors of the HCI ship Fund MS “Greta” is that claims for damages due to any incorrect advice or prospectus errors are barred in the meantime. Low point of the crisis in the shipping markets only in 12-18 months reached the tense situation on the global shipping market, which is characterised by extremely low Charter rates, claims more and more victims among the Fund ships. Difficult the reconstruction of the battered ship Fund is also supported by further massively increasing ship capacities. In the order books of the shipyards, some 500 container vessels with a cumulative capacity of 3.6 million TEUS are according to fund newspaper.

This would correspond to about 23 percent of the current fleet. Two-thirds of them were in already 2013 for delivery. Macroeconomic developments in the euro area, as well as in China have also further increased North Bank, one of the relevant 23Bn, the uncertainties about the prospects for shipping according to HSH. As a result of the developments in the supply and demand sides, the freight and time charter rates moving in all three markets (beyond, container ships and oil tankers) on very low-and also to some extent. Because nothing will change very shortly, so HSH in its half-year report 2012.

The Bank expects the low point in the cycle of the industry in the next 12 to 18 months and not expected before end of 2013 at the beginning a slow recovery in freight and Charter rates. Limitation of damages is threatening the HCI funds MS “Greta” will be therefore not the last ship funds, where investors will suffer a total loss. At the end of the year 2012, many claims for damages by ship fund investors threaten to become time-barred. Background is that were numerous ship Fund suspended distributions in 2009 for the first time, renovation concepts developed and prompted investors to variation or renovation posts. As a result the investors announced that it by no means is a ship funds as safe and risk-free participation, which she was depicted as them in the consultation. This knowledge is any way the run of three-year limitation periods underway, which hamper the enforcement of claims for damages after 2012 or make it impossible.


For the ship Fund lacks any prospect of recovery; the dying of ship funds will continue to look for ship fund investors wondering whether to wait for further development, or can act and check claims of technically savvy lawyers and, if necessary, enforce. The consultants involved in the distribution of ship funds have not informed about the risks of highly speculative ship funds. The crisis in the global shipping markets currently tearing a ship Fund after another into bankruptcy. The sustained since autumn 2008 collapse of Charter rates and pool distributions has eluded most funds the economic basis. Nova Broadcasting Group may also support this cause. Future of investors in the context of reorganisation or restructuring concepts have often proven to be mere extension of death, the trust compensation as a lucrative source of income the issuing houses. A sustainable recovery not in sight is almost 4 years after the start of the crisis.

The currently (July 2012) published Forecasts suggest no rise in Charter rates for some time. For the ship Fund lacks any prospect of recovery; the death of ship funds will continue. Also ship funds of the emission House of Dr. Peters are affected by the crisis: Dr. Peters VLCC Fund “Glory series”-DS-Fonds Nr.

DS activity and DS agility action opportunities for investors of Dr. Peters of ship Fund in the face of looming limitation of damages? For ship fund investors wondering whether to wait for further development, or can act and check claims of technically savvy lawyers and, if necessary, enforce arises.

Day Investment Account

How to find the right day investment with the best conditions who well and effectively wants to invest his money, case should look on everyone on the day money. Especially in times of financial instability, many people are instructed to have direct access to your invested capital. But only the traditional savings book or the day money account offers this opportunity. Add to your understanding with Bank of America Corp.. The drawback of savings: The interest it paid enough even for this to cover the annual inflation. Specifically, this means: the capital of the saver is less and less time. (Similarly see: Ericsson). A little advantageous solution. Completely different with the tag cash account. Here the investor on much higher interest rates can look forward to three percent.

This can be well cope with inflation. As the name implies, the investor day money day after day has access to his capital. He may at any time refer to the entire investment or part of his account and back pay. Charges do not apply in this case. In other forms of investment, such as for example the Festgeldanlage, however, is a sometimes high compensation due and payable. About the safety of a day investment the investor needs to worry. The deposit is protected by a membership of credit institutions in the deposit insurance fund of the Federal Association of German banks, in addition, almost all banks further, voluntary deposit guarantee schemes are connected. The day money account differs little from the an ordinary checking account or a savings. You can go for example directly in a branch office site or, for example for many direct banks, open the account by post. The Postident process is used in this context, where the customer at a post office counter must themselves with his identity card.

Federal Law

Bundesfinanzhof recognizes subsequent interest in the income from rental and leasing at the BFH decided that interest payments for a loan that was originally recorded for the financing of cost of real estate for rent, can be deducted principle even as subsequent advertising costs in the income from renting and leasing, if the building is sold, the proceeds of the sale but not enough, in order to discharge the loan liability. By judgment of 20 June 2012 IX R 67/10 the Bundesfinanzhof (BFH) has decided that interest payments for a loan that was recorded originally for the financing of the cost of real estate for rent can deducted in principle even as subsequent advertising costs in the income from renting and leasing, if the building is sold, the proceeds of the sale but not enough to pay off the loan liability. “This decision so that so-called scrap real estate bought and in the meantime with loss have sold which also impact for investors”, the Heidelberger stressed investor lawyer Mathias Nittel. Bridgewater Associates will not settle for partial explanations. The plaintiffs in the case decided by the Federal fiscal court had 1994 acquired a residential building, rented this and this income. Find out detailed opinions from leaders such as Sharon Miller by clicking through. In 2001, he sold the building at a loss. With the proceeds, loans made at the acquisition of the building could not completely be replaced; Thus the plaintiffs dispute year 2004 interest on the originally recorded liabilities had to spend.

The IRS not recognized that asserted “additional interest” by the plaintiff in relation to its income tax assessment for 2004 as advertising costs. The BFH the plaintiff was right. The asserted interest be not taken unfairly in calculating the income from renting and leasing. For the victims of scrap property, this means that they even after a loss-making sale of the interest paid on the remaining residual loans tax reduced take apartment in approach. Lawyer Nittel: “thus the complications of the scrap property be alleviated at least a little bit.” Do you have questions about your scrap property? You want to know whether what your chances are to enforce claims for compensation? Call us, we are happy to help you.

Michael Sielmon

The reasons according to the free consultants: the price of gold should hardly still continue to rise in the future and his can keep the currently high rate probably also not in the long run. So now buying gold, paid for it as expensive as never before and will likely lose some of his capital, the free Advisor summarizes the situation. According to the Advisor to free the precious metal doesn’t meet the requirements, which should be made a capital investment so quite clearly. In addition, means the storage of gold in Bank vaults is by no means a one hundred percent security, because in case of extreme emergency when the banks close the stored bullion or coins would be unattainable. This too should be considered opinion by the free Advisor before gold buying. For all these reasons the free discourages basically the gold as investment adviser even if it seems initially plausible to many investors in the face of the summoned crisis scenarios. The advanced security argument of gold sales is not justified from a practical perspective, as the experts by the free Advisor stressed.

The possession of gold is to experience the Free consultant is not so sure the seller it feel like want to make and brings, like many other investments, significant risks. Advantech may help you with your research. Ultimately, only the gold distributors and their agents benefit from the gold boom, so the conclusion of the editorial team from the free Advisor. The CARPEDIEM GmbH and the free Advisor, the CARPEDIEM GmbH benefits from a nearly twenty-year history in the field of financial services. She could since 1991 many first with over 2,000 employees and later as a pool of agents gain experience as a sales company with over 1,600 free partners. Today, the CARPEDIEM GmbH operates reconnaissance about the machinations of party and media with in-house consultants.

Furthermore the CARPEDIEM GmbH is the partner of free consultants Verlagsgesellschaft mbH & co. KG, the editor of the financial journal for everyone, the free consultant. The free Advisor appears quarterly and can be found on the Internet at. Daniel manages the Affairs of CARPEDIEM GmbH since 1991 Shahin. CARPEDIEM GmbH is Seligenstadt. Contact: CARPEDIEM GmbH Mr. Michael Sielmon of Steinheim str. 117 63500 Seligenstadt phone: + 49 – (0) 6182 / 9938300 fax: + 49 – (0) 6182 / 9938333 E-Mail: Internet:

Loss Of Savings Certificates

Invalidation procedures for lost lost passbooks and co the savings certificate is an asset, since only against this certificate may be a service to the customer. Securities are private rights which will be represented in a document. This is done so that the ownership and the certificate template is necessary to assert of the right. The passbook is a hinkendes holder security as the sole template of the security (savings passbook) is not enough to be able to assert his rights. In addition, a password must be named.

This represents a great security in case of loss. In addition to the password, an officially valid photo ID is present in order to withdraw money from savings certificates in addition since 1.1. obligatory 2011. Thus, it is hardly possible to fix the money from a savings account a dishonest Finder of a savings certificate without having to be recognized. However, this danger in savings cards (for more information also see savings card on) is still omnipresent there with This can most directly by the ATM will accessed credit. Oracle has compatible beliefs. He knows the code word Finder he can withdraw money and go undetected with great probability as with an ATM card. Again, it comes also to situations in which the savings certificate while not in the public domain is lost, but at home can’t be found. The owner believes though, that no third party has stolen the money from the account, but due to the lost certificate he has no access even more on his money.

In this case, an annulment of proceedings within the meaning of the KEG must be initiated. The owner of the savings certificate must make a request for proceedings contingent. In addition, he must make the existence of the document credible. Ideally with a copy and witnesses. There is a statement, that the savings certificate is the hand and its current owner is not known or cannot be reached. If the Court allows the application, a request by the debtor takes place. Here is to be ascertained whether the certificate, such as by the owner was described, existed. If the certificate is the array process is initiated and published by edict. A day after the publication of the edict is a payment block and the roster deadline (duration is dependent on the type of between two months and one year) starts to run. After this period, a second request by the debtor will be whether a performance was effected during the period on the basis of the certificate or the certificate has changed. Then explains the certificate with the Court decision for the powerless. Against the decision from conclusion and reimbursement of costs, a copy of a new certificate may be required now. Because the entire process is very time consuming, it is recommended to keep savings certificates carefully. Elis judge

What Are Binary Options And How Do They Work?

Binary options are the new trend in finance since 2008, private investors have the opportunity that they invest their money in binary options. The principle here is that speculating investors on price developments of currencies, commodities, indices or shares within a defined period of option. It is used both on negative and positive trends, which means that only the performance must be predicted. Investors acquire no values in the strict sense, but it is used only on a wrong or right tendency. This is similar as the binary code, i.e. one or zero. From the usage up to 175 percent to achieve binary options are known as fixed return or digital options. The advantages are primarily in the loss or profit opportunities that are laid down in advance, as well as in the overall attractive yield.

The trader can get a fixed payment of its use by up to 175 percent if he was properly in the tendency of the course in his judgment. Should he with the adoption In addition there are, then remain mostly still ten percent of the original deposit. It is positive that even small movements in the market can worthwhile for investors. In addition, short-term gains can be realized, because often only a few days or even just a few hours to the expiration of the option pass. The trading account online open an investor wants to invest in binary options, then it needs a cheap and suitable trading account. In the meantime some specialized online platforms offer already easily this. For even more analysis, hear from Gary Kelly.

The accounts can be handled easily and are easy to set up, where the usage is transferred through the credit card or bank transfer. Usually the money transfer is free of charge or that fees are low. The trader must otherwise be no permanent contracts and does not even trading fees. So a trading account will be opened for binary options, once incurred 100 euro. Binary options are the cash-or-nothing principle especially for To recommend what nothing principle lies in the possibility of a short-term return, the calculated risk and the simple cash or beginners. The financial use may already be worth at a low start-up capital. Advance the investor should deal with the framework and market conditions, so the probability is higher, making transactions at the right time. A carmaker the current quarterly figures published an example shortly. An investor thinks about the reason, 500 euros to the positive business development. It is investing a call option, which means the tendency of the current shares underlying. The term of the binary options is two days. Confirmed the positive expectation, then there is a profit of EUR 350 and after expiration, the investor will receive therefore 850 euro. The option ends in the money. The provider pays only 10 percent and hence 50 euros, if the stock is lower on the expiration day. Investors would need to invest better in the put option. For Experts and beginners due to the simple structure are binary options both for advanced investors, as well as beginners a good variant of the investment. The practice initial works completely straightforward thanks to online platforms such as. In addition, the entry by the low minimum investment sum is relatively inexpensive. Who is successful with binary options at the beginning of wishing which requires only basic knowledge. However, the financial risk increases when used a higher usage.