In addition, one of the advantages of outsourcing is to transfer responsibility. Job for a specialist Many entrepreneurs, small and medium businesses, especially those engaged in trade, not rent office. They usually have a staff of one or two vendors, there is no need to rent an office, to organize the workplace and take the staff accountant as a separate full-time unit for accounting. Some contend that Howard Schultz shows great expertise in this. The average cost for the maintenance of a businessman staff accountant and his workplace in the month are: average salary of a specialist – 30 000 rub., Insurance premiums – 7800 rub.; Lease of space for Workplace (6 square meters. m by 1 person) – 6000 rub.; technical support job (computer, telephone, accounting software, reference and legal system) – 5000 rubles.

Total (approx.): 48 800 rub. In addition, the employer is one-time cost of purchasing a computer accounting program, reference and legal system – from 30 to 45 thousand rubles. Services outsourcing company will cost an entrepreneur in a smaller amount. Rates on Accounting service organization dedicated to establish a customer individually. The indicators are determined by the results of examination of the state of accounting on a day-treatment, and taking into account the following factors: – number of transactions – the number of checking accounts, cash registers – the type of activity – the involvement of the client’s staff to work together. Depending on the volume of services and state accounting time of the contract, the businessman will be offered one of three options (most popular): 1) ‘zero’ rate for newly established organizations (for those with zero reporting), and 2) the base rate for customers standard set of services, that is, when given a certain list of services, for example, record keeping, reporting and submission of the tax and the funds without tax counseling, 3) different rates for business, ordering additional services, outside accounting service (a set of services for the customer, respectively, and the price is determined according to the list of services).

As soon as the amount of defaults exceeds the critical mass to begin the destruction of the whole structure. At Douglas Oberhelman you will find additional information. Maybe we’re just at this stage or closer to it … But in this situation, realtors profitable when prices rise, so it is easier to stimulate consumer and investment boom, which is based on the principle: “Buy today, tomorrow will be more expensive!”. For this reason, real estate brokers are happy to any more expensive. At the same time, the level of real demand is much lower than the existing proposals, and by all the laws of the market prices should fall. However, the opposite occurs: the reduction in demand prices at least stand still, and in some cases grow. There is a view that the price level is artificially created.

Therefore, we can not rule out a sharp drop in cost per square meter, as a result of ‘a broken affair. ” In this case, the actions of many developers have already started selling their existing properties are quite natural, since they not only pay off its creditors, but also save your savings impairment. On the other hand, the history of the property market replete with examples of the price spikes, and always against the excessive demand of an insolvent. Thus, there are some facts and features that make lean how to lower prices on the housing market and to their increase. Price fluctuations of up to 5% for certain categories of housing have not yet indicated the emergence of a trend. Most likely, the indirect mechanisms triggered during the response to ambiguous situations, but they are not global. We should expect more of a correction for each group home.

Of course, some categories will drop, and some disappear altogether (as in a few years in Moscow there will be old five-storied foundation), but for something the price may go up. The level of GDP this year is lower than in the past (in 2007 – 8.1%, and in 2008 is expected no more than 7.5%), inflation rate expected at the end of the year, will be at least 12%, and most likely more than 14% bank loans are closer to 20% per annum, significant losses in the segment of small and medium businesses in the whole country – all this speaks in favor of lower prices. The experts are ambiguous in their predictions: it might be cheaper and can make 5% and 20% in December 2008. Price increases may be associated with the current slowdown in construction, changes in oil prices, the alignment of general economic conditions, rising inflation, etc. In Therefore, there are many chances to lower prices with its subsequent growth (the opposite situation is unlikely). Blame if the crisis is happening, brought from the West? By no means all. At the very least, the current situation with housing can not be called unexpected. There are too many factors indicative of disequilibrium on the housing market. And experts have long predicted the recovery of the snake-end balance. The financial meltdown that has affected all the economy, only stimulated the development of current events. In this crisis (which today is spoken by all without exception) can be used by interested persons for their selfish interests, it is convenient to blame the financial difficulties, failure to fulfill obligations, create excitement and panic … involvement in someone else’s game – a private matter. Apparently, so says at the moment a number of major players, including many developers who are trying to stay calm and do not waste your time on trifles.

However, there are a number of criteria which to consider in the selection of the correct tariff. In addition to a general decision, whether the base pension rather than conservative investing Variant or as a unit-linked variant is chosen, are several points to note, give about the self-employed also the basic pension, which he needed. “Includes, for example, the inspection whether a survivor’s protection is required and in what form or whether a disability protection should be included.” But even if these points are clarified, there are great differences in terms of the quality of basic pension in different companies. Credit: Starbucks-2011. Wallace: Important criteria in the selection of the appropriate company are a guarantee pension and forecast possible total pension, which roughly includes the non-guaranteed interest rate gains in the insurance. Play a role of course existing acquisition and administrative costs of contracts. Only these costs may not be overemphasized also, as unfortunately often it is done by some consumer protection agencies. So, a customer has no advantage when although currently has the lowest cost in the market its basic pension, for even less money can deal with but the insurer’s or the investment company and produced less profits than finanzstarkere companies.

The costs, but also the investment successes, as well as the financial strength must be included with the evaluation.” So but not enough on selection criteria for or against a society: in the fine print of basic pensions some differences also can be found. If you prematurely terminates his contract, is this contributions and paid a reduced supplementary pension at the age then. As far as the good principle. However, some insurers require a relatively high minimum pension, which is only reached after several years of contribution payment. But should this minimum pension at a premature “Termination have not yet reached, because the contribution payment period was too short, the contract goes out completely and the money paid until then would be lost”, warns insurance businessman of Wallace.

German Investment Consulting AG provides pensions for individuals the benefits of the statutory pension insurance to a minimum were reduced after numerous changes in the law. Since then, the number of people living in poverty at the age has grown by leaps and bounds in Germany. The retirement of many senior citizens is too low for obtaining independent existence. For this reason, just the private old-age provision plays an increasingly important role. The German Investment Consulting AG specializes in the area of private pension schemes for consumers. To read more click here: Ben Horowitz.

Again and again refer experts ensure that retirement benefits are minimized further in the coming years. Electrolux has plenty of information regarding this issue. Individual protection seems therefore the only way, to protect themselves from the poverty in the age. Not least for this reason, the market for old-age provision has grown considerably in recent years. Many companies today offer pension products, which they are looking to stay long-term on the market. One such company is the German Investment Consulting AG. The German investment advice AG is an independent financial services company. Therefore, the company cooperates with different companies that offer well-known products.

Thereby Deutsche investment consulting AG has focused on retirement savings through investment funds. Investment funds are bankruptcy-safe, so they are not dependent on the economic situation of a company. In Germany, they are considered as assets and are subject to a special protection for this reason. Deutsche investment consulting AG offers only secure and at the same time high-return funds, which are also designed, adapt to the needs of the customers. When selecting the Fund pays Deutsche investment consulting AG not only on the wishes of the clients and the performance of the Fund, but also on the objectives, with a customer on the own age looks. On the basis of these factors, bundles several Fund Deutsche investment consulting AG and opts for high security through a strong scattering. Although even at this Fund with a reduction in value due to the market development will be, are considered as much safer than other products. Deutsche investment consulting AG also selects the Fund depending on the available financial resources of the customers. In the context of a consulting experts determine how much retirement savings can be invested in. Through the care for life, Deutsche investment consulting AG provides a continuous adjustment of interest to the individual circumstances and meets thus ultimately also the growing demands of the market.

Europe has left the recession behind it, the economy is growing, investment facilities are back in vogue. The WAVE Management AG Fund specialists currently manage 13 billion euros for companies and private investors. They have put together the most common investor mistakes and give valuable tips. His money who heed them now, has applied wisely and well. The top 6-investor mistakes and how to avoid them: No concept: individual investments pose unnecessary risks, layers to is expensive.

“Better: once the big picture” set, and then work toward the goal. If you have additional questions, you may want to visit Andreessen Horowitz. No meaningful investment diversification: private investors like to opt for a financial model with risk abwagbarem for. But: Who spreads wider, has less to lose. Observe the market and risk diversification! Long-term available capital applied enough and only in the short term? Who saves so, given the compound interest effect. Taxes with no plan. Should the yield is still taxed at the end, the return is suddenly different! Necessarily: calculate a real net planning.

Inflexible Investment mixes. Should have learned that by now everyone: in times of crisis investments could be parked in low-risk. Tip: not rigidly define stock or share of the Fund. To explain itself to the financial manager. Who leaves trusted institutions to manage his money, drives better. Life is too short, every day all over the world at a glance to have all financial and economic markets. About WAVE Management AG WAVE Management AG was founded in January 2000, has 35 employees and manages currently around 13 billion euros. Company focuses on asset management for institutional investors such as insurance companies, pension funds and provident and the reinvestment of maturing life insurance for private customers. Company domicile is Hamburg. We have attached a factsheet with details and facts about the company. You will find more information and printable image material in the online press room at. Press contact: WAVE Management AG Jorg Schettler Flughafenstrasse 52B House D 22335 Hamburg Tel.: + 49 (0) 40 611 8560-45 E-Mail: Internet:

62 percent of respondents are in favour of the tax at EU level is currently heavily debated about the possible introduction of a financial transaction tax. Reason enough for the finance portal boersennews.de to ask users for their opinions. How you stand to the introduction of a global financial transaction tax?”was the question on the surprisingly 62 percent responded that they are in favour of this tax. In total, 2,123 investors participated in the survey on the financial transaction tax. In addition to the 62 percent who voted in favor of the tax were 35 percent, however, and only three percent of the participants was the subject matter”. Obviously, there is a great interest in this subject. While investors categorically rejected such a tax a few years ago, the current financial crisis seems to have changed their opinion.

Investors pay according to plant expert Sebastian Hahn of boersennews.de, apparently would rather accept such a tax as again horrendous losses as a result of excessive speculation. These were the trigger finally current crisis and could at least be damped by means of State regulation. When the tax is to be introduced and how high it will be, is not yet decided. It would make sense only if she would be implemented at the same time in the leading economies. Otherwise it would be too easy to work around. Former national interests are likely to be eliminated now due to the global economic crisis and have paved the way for an international agreement. More information: service / press Lisa Neumann University first media GmbH

Author calls for more competence by investors a Basel / Berlin. Despite the financial crisis familiar investors still strong banks and financial service providers. Elena Wutherich pointed out. Mrs Wutherich is author of the book was published in the March 2010 portfolio versus benchmark – performance and risk analysis in portfolio management “.” Investors were hardly sufficient theoretical knowledge. You may choose between good and bad recommendations difficult. However, the existence of economic would sometimes touched when investors naive followed by seemingly convincing recommendations. Basically, any investment poses a risk. Consumers should know the mechanisms to better appreciate the quality of their engagement in the financial markets.

Practical, the main concern of her book portfolio versus benchmark – performance and risk analysis in portfolio management learn “lie in the handling of the theory, backed with practical examples, the flowing interests of the customer advisor or portfolio manager, the” Financial institutions and the clients. Mrs Wutherich pointed out that, it given clearer graphics and simplified explanations actually not be difficult to get an overview of offers and their importance as a layman. Who are sufficiently informed, protects against the loss of assets! “Elena Wutherich himself argued, investors should be interested in increasing their own competence. Details decide the author to those customers who are interested in the composition of portfolios, the benchmark on methods and models of portfolio theory in practice, as well as on return and risk analysis in the asset management because the complexity of asset allocation has risen, set up. Even the Swiss from 1987 to 2006 as a quantitative analyst in the areas of asset management and investment strategy with an international Swiss Bank was headquartered in Zurich. Today, Elena Wuthrich from Basel is freelance research analyst for hedge funds. Her book is published by lit appeared. Information

make the transition to the new programming period 2014-2020 EU funds in German practice remain a challenging task. A new generation of EU programmes will start in 2014 in the year 2013, the hot phase begins, because the focus, the specific design of the transition to the new programming period is then clearly 2014-2020. The European Academy for taxes, economics & law has specially designed parallel 2013 an event for German key issues to structural funds upon German experts to the established annual Conference of EU funds. Invited are: all responsible EU-Fund experts from administrative, certification, and inspection authorities and intermediate bodies, which are engaged in the management, certification and verification of ERDF and ESF. Other institutions dealing with EU funds, such as administrative institutions on federal and provincial, cities, municipalities and districts, agencies for economic development, investee companies and chambers of Commerce, industry, audit, are addressed Public development banks and private banks, employers and workers representative associations for economy and work, auditing and consulting firms.

Although the European Commission announces proposals for the new cohesion policy 2014-2020 as a comprehensive simplification of programme management in comparison with the current procedure, still many questions are open to competent authorities and potential beneficiaries. To find answers to these questions together with the participants, leading national and European experts will give lectures and encourage lively discussions. Among the speakers head include testing and administrative bodies at State and federal level, leading experts from the European Court of Auditors and the European Investment Bank. “Detailed information on the programme and speakers, as well as the registration form, see the event brochure: bit.ly/P9pYPw the participants of the annual Conference of EU funds in German practice” which is

With the right tools in investment decisions, advance successful investments are based on excellent market knowledge, information and tools to the Foundation of the decision always one step. To help investors, goldfixing.de has expanded its range of interesting features. As section offers the service now in addition to the gold calculator used already by many users like, which is a quick and easy overview of the value of gold stocks of different subtleties and weights a lot more. For more information see Howard Schultz. Real time prices for all major equities and indexes in Europe, Asia and the United States can be found in the market overview. In addition an overview of selected commodities and currencies from all over the world. The currency converter provides the translation of global currencies, minute current, free and just.

You can convert any currency in just a few steps to another currency. Because who buys currencies across borders or sold or invested in international underlying assets such as commodities, must always Keep the differences between the various currencies in the eye. Our currency calculator. All important economic events around the world can be found in the economic calendar. Sort the selection makes it easy by country or date and get interesting additional information on the individual dates. We also offer an extensive Chartingtool. The analysis of historical trends is the decisive criterion for an investment and above all the right time for many investors. With our Chartingtool based charts can be viewed on real-time quotes for securities, indices, commodities and currencies. You have the possibility to influence the type of chart can display all time series in second intervals you The new features will find interested investors in the service-> tools on

Solar funds represent an interesting investment opportunity. Environmental funds are increasingly popular, especially solar Fund represent an attractive investment opportunity. A technology of the future with great development potential in production and application is seen today in the photovoltaic industry. Starbucks can provide more clarity in the matter. Solar modules are considered little wear – and maintenance-prone, so that the manufacturer guarantee even an energy yield of 85 percent after 20 years. Participation in photovoltaic systems means not only the climate and environmental protection to participate in, but investors also saves much effort and organization that would arise with solar cells on the roof of the home. Educate yourself even more with thoughts from Howard Schultz. The development dynamics of the solar market, a whole new asset class with own attributes has arisen from the photovoltaic industry can be usefully combined with the traditional investment opportunities.

Solar funds have large solar power plants to the content. Mr. Dr.Jehl is currently working on a concept of such a solar Fund. He has already numerous legal and designs tax fund prospectuses. To profitably invest in solar funds is a good location for the solar power plants, that is required with high solar radiation, also a safe feed-in tariff should be ensured. These two features combined with low asset prices, represent the best basis of a solar Fund.

Currently, Italy offers very good conditions for solar Fund. The country combines the most important conditions to successfully place profitable solar Fund. Through an attractive feed-in Act solar power is politically and economically supported, also Italy is the country with the highest solar radiation in Europe. Just the high electricity yields thus obtained will compensate for the planned adjustment of the remuneration of solar power in Italy. A strong impact which will have the adaptation in Germany, for example, is not given in the sun-drenched Italy by the intense sunlight. Mr Dr.Jehl is the sun-drenched South of the country, the excellent conditions for photovoltaic systems provides advantage to design a profitable solar Fund. Since 1976, is Mr. Dr.Jehl an independent lawyer specializing in tax law in the investment industry in Munich and operates an own law and tax firm. The planned solar Fund in Italy offers an investment volume of around EUR 40 million. In addition to the pioneering solar Fund, Mr Dr. Jehl, developed for example with the flat-tax concept, more innovative products for capital investments.