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News – Page 105 – GrantsFinancialSVS

GrantsFinancialSVS

Your Home for Financial Success

Kurt Glabischnig

Study of the C & P AG: Only a few banks want to deep cuts in the IT investments make possible cuts affect mainly projects of business organization and IT infrastructure operations Munich, 29.10.2008 – the current banking crisis is still in this country a wide berth IT in the financial institutions. Only in a small circle of banks and savings banks are the IT investments for disposition according to a survey in the order of the international system House C & P AG and provided deep cuts. Majority such a discussion but not running at over 100 surveyed banks at the moment. Where however, IT projects should be deleted, such measures remain largely spared, either for legal reasons – like about the new flat rate control – are required or supporting their own marketing. According to the survey, currently not once every tenth Bank plans significant cuts in the IT investments. Another 15 percent, a few larger projects are time shifted be.

In every fifth case, also individual smaller projects are down the drain. Three out of five of those surveyed banks met in contrast, no concrete decisions to carry out circumcisions in the IT budgets and to suspend planned projects or to cancel completely. This is relatively independent of the current banking crisis investment plans comply with even the impressions of the system House C & P AG, which is active above all in the development of software for financial institutions. So far were shortened projects or future projects presented and discussed\”, C & P Board of Directors reported Kurt Glabischnig from the practice. Because something should also not significantly change according to the assessments of most bank managers surveyed. So, only 17 percent believe there could still be clearer cuts in the IT related investments. The rest is less skeptical. These executives assume that any further budget cuts in a limited framework will take place (51 percent) or they fully by funds cuts spared (32 per cent).

German Fund

Pioneer first big loser in the fund industry of the September 2008 was the worst single month for the German fund business for years. The currently published October figures sit another. The October 2008 is the worst month since release of sales data by investment funds in Germany. Coming Alpha has published currently the detailed analysis of the sales data of funds by 3rd quarter 2008. It is already clear that there is a clear trend to safety-oriented products. Retail funds, funds of funds, worth secured funds and real estate funds are the three strongest sales fund categories with distance.

Overall, but no year-end business against the backdrop of the introduction of the flat tax as of January 2009 is observed. Also, the analysis of fund data for the first three quarters 2008 shows that Luxembourg funds in the paragraph (+ 21.1 billion euros) are dramatically superior to the German Fund (EUR – 4.1 billion). Furthermore, it is to see the pure number of mutual funds are steadily. The consideration of the Funds of funds reveals, that pioneer asset management and DWS are the addresses with the highest outflows by September 2008. These and many other findings are the coming Alpha publication fund market”prepared, which is available free of charge under. Coming alpha will analyse the data of October 2008 also in detail and report. For more information we are personally or via email at available. Here at..Fondsmarkt_November..pdf you can download the entire pdf.

Profitable Trend

The secondary market for capital life and pension insurance is booming except no make and cancel the sale of Kapitallebesn – or pension insurance is often more lucrative. Often sell better a booming secondary market has developed for life and private pension insurance there are several way to separate from its capital life and pension insurance: is a possibility – you can sell it. For a real secondary market has developed into, on which the policies are traded. The sale has two big advantages over dismissal: buyers pay usually more money, than who would receive insurance for cancellation its police. The reason is, that the insurance in a premature termination submits cancellation costs not incurred in the sale. And up to December 31, 2008, the payment is tax-free. (Who announces his capital life and pension insurance within the first 12 years pays capital gains tax plus solidarity surcharge on the income (around 26Prozent) and in addition) maintain a death protection. Because if the insured person dies, the insurance company will transfer the originally agreed sum of death to the company that has purchased the contract.

This then deducts its costs incurred up to that point. These include of course, the purchase price was paid by the company to the former policyholder, the premium payments accrued after that, as well as an interest on this award. The rest will be paid to the heirs of the insured person. The buying companies set certain criteria for the purchase of capital life and pension insurance: firstly a minimum surrender value. Depending on the buyer or factoring – company 1,000 euros, normally from 10,000 euros.

Second requirement: in turn, depending on the buying company, the remaining term of the contract. Unit-linked insurance will nor acquired as direct insurance. Finally, they pass on the name of the company. In addition an once sold life and pension insurance can no longer be purchased back. From point of view many consumer protection associations makes the sale of a capital life and pension insurance – from the point of view of the yield – in any case meaning. In a short time you have cash – you get paid more money, and has insurance coverage. Not to forget: the monthly released posts can be used better. More information on, by the way: also savings and funds have to sell on the secondary market. R.Ulmer

Consumers Translation

(Online-Artikl.de) – translation of financial information requires a high degree of precision, reliability and discretion. The handling of financial information requires accuracy, reliability and discretion; no mistakes are allowed, because even a single wrong number can have serious consequences for the results of a bank or a financial institution. Therefore the translation of financial texts must be equally precise. Special skills are necessary to deliver an optimal product, which has the same terminological level of the source text. These are however – how much too often is believed – not only the purely linguistic nature, but affect in particular the deeper understanding of the source text.

Namely, many translation agencies tend to entrust such work to translators, which may have certain linguistic skills, but in most cases have no knowledge of the economic and financial links and are therefore unable to source texts to understand properly. The necessary knowledge, include not only terminology skills which can be acquired through a series of glossaries and regular consultation of relevant sources, but also a heuristic knowledge of the financial world as well as their products and markets to produce high-quality financial translations, which are tailored to the needs of the readership. It enough not to know “how to translate a particular word; you mainly need to know how to in this industry think and speaking. Also the translation of financial texts should reflect as far as possible the constant development of the financial sector, the financial markets and the specific needs of the institutions which are active in these markets. The translation activity for banks and financial institutions should be doing is never static, but should continue to evolve parallel to this constant evolution. Another aspect, which all too often ignore remains, is the customer, i.e.

the taking into account of the target audience, which will read the text in the end. Consider for example the case of a market report, which will be read by retail customers of a bank or a group of Finanzanalisten depending on the situation: the former have often limited financial knowledge and therefore require a translation, which unnecessarily complicates the understanding of the source text and requires too much knowledge, while in the second case, great precision and exact reproduction of the original text are necessary. This results in the need for a growing number of financial firms, to entrust such specialized work mother tongue translators who really know the financial and banking system and also understand. It is ideally to degree economists, which can work intensively with the industry and if possible have many years of experience in the financial sector. Just so it is absolutely possible, a precise, accurate, and the target audience to understand Translation to deliver and to convey that safety and reliability feeling Consumers this translation, which is for every Bank and every financial company, one of the most important pillars of success.

Financial Communication At The Highest Level

The beclever werbeagentur AG is one of the few agencies with an emphasis in financial communications and the emission marketing. Gottingen the full-service agency of beclever werbeagentur AG (www.be-clever-ag.de) offers all advertising functions in the print media and the online media. For years, the Gottingen creative hotbed has one of its priorities in the area of financial communications. For companies who want to generate capital for their companies on the financial market, a professional appearance is the Foundation for a successful IPO”, so Kirsten Winkelbach, Board the beclever werbeagentur AG. Especially in the financial sector and in the Investor Business professionalism and honesty is needed. In addition, a competent agency is required on the legal side. We know the legal requirements for prospectuses, for example”, so next Winkelbach. With a competent network partner together with their network partners, the beclever advertising agency can successfully AG financial communications of companies on the capital market Not Acceptable!

Federal Government

Savers can get a lot of the current financial crisis: high interest on their balances and a guarantee of their deposits by the Federal Government. The exchanges currently groan under the impact of the financial crisis. No Bank knows what explosives still inside its balance sheet and those of other institutions. All parties are accordingly overprotective when it comes to short-term loans of loans. Accordingly, banks around the world among the losers of the financial crisis. But where there are losers, winners also are not far. These include clearly savers who have applied their money on the day – or fixed-term deposit accounts of domestic banks or still want to create.

The credit crunch between the banks namely ensures that interest far above the ECB interest rate is paid on such accounts currently. The day money is added to the daily availability in phases like this a must-have for many savers. Even that almost disappeared believed passbook is currently experiencing true dominance, and that not of return aspects, but from psychological reasons. Customers on the Bank leave the money on a savings account. The passbook as a personalized savings certificate, however, can take you home.

In times in which banks (almost) represent failure and States shortly before the financial collapse, this perceived security is an effective marketing tool. And so it is not surprising because even savers billions to banks and savings banks make month for month. While the perceived security is not so far-fetched. Savings are subject to as well as day and date Money accounts of the statutory deposit insurance and are secured with membership of the managing financial institution in one of the liability federations or associations about the backup system. Third stage is considered to be the guarantee of our Federal Government for several weeks for balances private savers to accounts of domestic financial institutions. Safer is currently hardly, because even with federal securities ultimately only the Federal Government to be repaid can guarantee what he Yes currently offline I’m also in sight, savings and time deposits.

Financial Times Germany

allyve.com wins founder award: the prize winners will receive a start-up capital of 50,000 euros and are for one year with regular reporting on ftd.de Hamburg, 03.11.2008 – the winners of the prestigious financial times – enable2start – grunderpreis and allyve.com one of them! 12 founder teams out of 700 applicants made it to the finals of the FTD founder initiative enable2start. The record attendance is not by about: finally journalistic accompanied by the financial times Germany and a jump start are waiting for the winner twelve months from each team 50,000 euros. At the evening gala dinner before 100 sizes from the German economy, the investor Susanne Klatten, HanseNet Marketing Director Michele Novelli, media-market founder Walter Gunz, HypoVereinsbank Board member Alexander Boldyreff, as well as the TV chef Sarah Wiener announced the names of the winners. We are proud and happy that we convinced the jury with allyve.com and our innovative concept of a personalized Internet home page have. Now I am very curious on the enable2start year ahead!”enthuses Julika balls after the exciting final night. The winners receive a start-up capital of 50,000 euros and a year with regular reporting on ftd.de as well as editorially accompanied in the FTD Entrepreneur magazine “enable”.

The trained economist and allyve co-founder Philipp Spethmann is pleased the journalistic accompaniment over a year by a well-known titles such as the financial times Germany for US is as the young founder of casamagna value.”. Just over a year ago, we had the idea of a key for everything”he explains the idea of founding. Allyve.com has the user all his favorite websites at a glance and reached via universal login directly to his XING – or even MySpace contacts. Also the allyve users can access directly into his email account or without detours from his home every day up to three free SMS without another log, click through without. Learn more about the competition and the five winning teams are available at.

Endurance Riding

The Trustee of the Riverdale Country Day School is is definitely one of those globe-trotting, art-collecting money men who know all about style and luxury Endurance Equestrian Competition
The equestrian endurance, endurance or barns raid (the latter usually named in Spain) is an equestrian discipline in which it tack tests horseback riding the speed, skill and physical and psychological endurance equine horse and rider, both of which must travel arabian great distances in a day, through the most diverse terrain and against time. dressage For this the rider must be able to measure the effort of your horse and palomino keep a track during testing at the end of a race horse is making beats and if you are on equestrian what is allowed, the thoroughbred rider is removed.
The competition is to complete a specified number of steps or phases with a predetermined amount of kilometers. jumping The route is very varied, with several types of soil and mare natural obstacles, and at the end of each stage the horses are inspected by vets, who, in the absence of any saddles medical problem, give the authorization to continue in the race. World Championships for the distance traveled is 160 km, divided into six stable phases, which is completed by the competitors in 12 hours and more.
The competition stables categories are: ponies 60km, 80km, 120km and 160km, the categories were determined on two factors: experience and distance.

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FIFA 2008

The most popular game – fifa 2008. Strategy games (strategy). In these games, we construct a base point, we strengthen it, stamping the troops and make a map of your opponent. This principle of the game in this java strategies in real time. Also there is a different step by step strategy in which you have the time to make the base and the army, and then complete your turn, and look what makes a computer. Champion of turn-based strategy Heroes of Might and Magic. Three-dimensional game (3D-games). Included are games of different sections, which are united by only one sign – three-dimensional images.

Three-dimensional games on a cell phone still remain exotics, which is run not on all models of mobile phones in connection with their modest computing power. Known game of this genre Carmageddon 3D. Economic (economic games). In this genre you make money for the sake of earning money. To add some fun this action production of virtual money, programmers are often added to these various mini-game arcade. Action, Adventure (shooter, action).

These can be transferred all the games with elements of firing, and shooting with elements blockbuster. Come and palim of all stems in all that we are moving. Allies in these genres of games not at all. One of the most famous Alien Shooter. Erotic (erotic games). Eroticism has always been and will occupy a leading position in the charts of toys for Cell. Need to contemplate nudes unwaveringly. By erotic games include games of various genres in which there is a naked girl's body, and often several. Popular games in this genre – 1001 night. Java application and java book (java programs, books) do not apply to games, but also in demand. Books in java format takes up much less memory than a similar volume of text in an ordinary text file. Applications are programs that are needed for training, Fun with background, etc. Old There is also a rather interesting classification of java games on the number of players. In cell phones with bluetooth can also play along with a few people, players, both on network computers. This genre is called Network games.

The Pensioner

Engaged in installing and setting up home theaters. And now here by the seller in "fishing" store. I ask: "How did it happen? "And there was no instructions, here are skilled craftsmen, like me, everyone knew it was We have few, each at a premium, and therefore was expensive. Customers stood in line "- says an unhappy seller. That's how it was simple and amazingly 10 years ago, in what is now even hard to believe. He even threw Institute. And why Institute? And so full of money, which is nonsense to engage in these institutions? Now here's the salesman in "fishing" shop work, to work more on subway rides Times have changed, however.

Just one moment manufacturers of home theater systems have realized that to make home theater affordable and mass can be only one way. Get rid of these craftsmen here, because otherwise it will remain affordable only to the elite. Get rid of using qualitative and simple instructions, by creating a ready-made solutions that are not needed with an ax and files result in the desired body condition. " And got rid of. Now home cinemas where affordable than a decade ago to rejuvenate himself that way.

And to put it and configure, has no need to pay anyone. Even retired sort out, stuck in the socket, did something which settings and enjoy high quality video and sound. What about the pensioner, I can and "bent", but I hope you understand me correctly. Something tells me that with ERP-systems can be something similar to crank.