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General

Michael Minderjahn

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A significant increase in freight rates is not expected in the near future. Because the vessel operating costs will rise at the same time, another negative development for the ship funds is expected for 2012. Unrestrained development of overcapacity Ship Fund root cause of the crisis that the ship funds are so much taken from cyclical fluctuations of in freight rates is located primarily on the massive overcapacity of ships. Fund issuer, owners and banks have unrestrained ship funds, on the actual needs of past generated huge overcapacity of ships and was well earned in the business at the expense of investors. Get more background information with materials from Omega 3 Fatty Acid Market. The overcapacity is a ruinous competition among the shipping companies for contracts falling and not compensatory Charter rates are the result. Many ship Fund can part nearly two years serve their loans nor pay the forecast distributions.

The investors, who often lose their entire capital when the insolvency of a ship Fund paying einmalmehr. Risks were unknown to many investors the crisis of the ship Fund meets surprise many investors. Economic fluctuations in the revenue, overcapacity risks in the financing and potential total loss they have been consulting pointed out. Instead it should be mostly at the shipping funds recommended to them to a secure long-term investment. Commission interest of the consultant as a driving force behind the false advice crucial to the wrong advice the Commission interest of the Advisory banks and savings banks, was often not only the initial fee, but also parts of the Fund concepts for raising equity capital provided for in high remuneration received, without pointing out their customers.

For a larger number of clients, we have successfully sued the Advisory they and savings-bank informed to give, which commissions received in connection with the mediation of the ship-Fund investments. Sad “leader” is currently the Deutsche Apotheker – und arztebank has granted after final conviction, to have received 14% commissions for the mediation of an MPC-ship Fund. That these bribes similar commissions if not one, even the incentive to the wrong advice, is obvious. Discreet Kickbacks justify this practice of hidden rebates (kickbacks) is for investors to great opportunity, economic reverse their failed ship Fund participation in the form of damages claims. Now unique kick back case-law of the Bundesgerichtshof a bank or savings bank must indicate the customer within the framework of the consultation, what she deserves in the mediation of participation. That does not, must replace the damage the investors. My recommendation for investors by MPC ship Fund: Inspected ship Fund participation by an experienced lawyer specializing in banking law and capital market law the exits of their MPC, thus avoiding a definitive loss of invested money. The use of expert help is worth for you. For more information to MPC ship funds, on our special page MPC ship funds. Want to know what options you have as a MPC ship Fund’s investors? Call us, we are happy to help you. Nittel Banking and capital market law firm contact Mathias Nittel, lawyer specializing in banking and capital market law, Michael Minderjahn, lawyer Heidelberg: Hans-Bockler-Strasse 2 A, 69115 Heidelberg phone: 06221 915770 Fax: 06221 9157729 Munich: residential street 25, 80333 Munich Tel.: 089 25549850 Fax: 089 25549855

General

Money And The Mind

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Wealth desires are common ideas to the majority of the people, since owning money represents many advantages, despite; a series of agreements exists that cause that this task becomes complex for a great amount of people. Why? mainly because the laws are not included/understood that govern the construction of the fortune. To change the perception of an idea in our interior represents a difficult work, mainly if we do not understand how the power of the subconscious mind works, to revert that undesirable condition you you need to include/understand the true operation of the laws of the universal creation, in the book I I AM HAPPY, I I AM RICO de Andrew Corentt is explained in detailed form as the power of the mind constructs all our sensorial perception. When reading the book I AM HAPPY, I AM RICO will be able to indicate all desires and to apply the laws of the abundance in its life to enjoy all the material goods that always as has wished, immediately will notice a sensation of deep peace invades all their being. It remembers that the prosperous people believe you them in his world then only must do it for his personal experience, this conviction will allow positive emotions him that will allow a wonderful balance him in all the areas of their life. When changing their beliefs with respect to the then money the people and circumstances that surround to him begin to have different characteristics and all the universe is organized in order to satisfy its desire with wealth. It is necessary to fight with the unfounded negative beliefs with respect to the money, when creating wealth in its then life is expanding positively the universe.

General

Asset Management For Everyone? ETFs Make It Possible

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Asset management for everyone? ETFs make it possible you are the stars in the marketing departments of the money houses: passive investment products, all preceded the exchange-traded Index Fund (exchange traded funds, ETFs). They have become a real bestseller. Because they offer much of what investors desire. They are cheap, easily constructed and are transparent so at least the catchy sales arguments for these products. Granted the secret of success of the ETF, the original idea was simple and ingenious: because hardly a Fund Manager managed over time to generate a better return on its benchmark index, ETF should this benchmark standardized so one on one, depict. Advantages: The cost for such a fund tend to zero, because no highly specialised fund management is necessary.

In addition, that such a fund never worse can evolve, as the benchmark index itself. Disadvantage: A constructed such an ETF can never reach a higher return than the benchmark index. In the success secret of the ETF was this design. In contrast to an actively managed fund, the ETF could distinguish themselves quickly. Instead of 2%, only 0.25% fell running costs and often the return from the ETF was higher than that of active funds. The success put on generic and has an explosive expansion of the product universe resulted. Is not equal to ETF ETF in practice investors today are facing the problem that the ETFs now a seemingly impenetrable jungle of product occurred.

This is demonstrated by the increase of the product terms for Exchange-traded funds. In addition to ETF still ETC (Exchange traded commodities) are exchange traded products (ETPS) and exchange trade notes (ETN). The number of each products within this group is growing rapidly. In the rhythm of the week, new passive products are developed by the creative departments of the banks. The second and third generation products are long but not so simple, transparent and inexpensive as their ancestors. Let’s take for example some ETFs under the magnifying glass on the BRIC countries Put (Brazil, Russia, India, China). For the BRIC countries, there are several papers which are differently designed but all. So some ETFs, set others only on 40 companies to 50, to depict the BRIC countries. The weighting of the countries varies greatly. Brazil is weighted with 39% in other Russia with 15 to 36% in some ETFs with 18%. These differences result in some significantly different rates. Conclusion: investment with ETF makes sense nevertheless ETFs very well suited for investment from 30,000 up to 3 million euro. Even for a such assets usually eight to twelve ETFs enough useful for structuring the portfolio. Here, especially wide markets (stock indices, commodities, bonds) are covered with the passive funds. This is implemented with one time equipment or with a ETF savings plans into practice. It is, however, useful to construct an individual ETF Portfolio larger assets. Its composition and weighting should be checked every six months. Order the publication on the Internet at or by phone at 030 28 88 17 20.