Tuesday, October 12, 2010
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my blog is hereby opened. The following is to be the first post and many many. I hope I can address many interested and enthusiastic with my posts. I appreciate every reader who signs up and registered. So again: WELCOME
Tuesday, August 31, 2010
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Die von der Bundesregierung geplante Abgeltungssteuer, die innerhalb der
Für Wertsteigerungen wird auf Immobilien keine Abgeltungssteuer, bei
Einhaltung der Spekulationsfrist, anfallen, wohingegen Aktieninvestitionen
ohne Spekulationsfrist auskommen müssen und die vollen Kursgewinne, egal zu
welchem Zeitpunkt der Verkauf statt findet, versteuert werden müssen und
dies mit der pauschalen 25 Prozent Abgeltungssteuer. Dies gilt für alle
Aktienpapiere, die nach dem 1. Januar 2009 erworben werden. Ein steuerfreier
Verkauf einer Mietimmobilie is therefore also possible after 2009, when the
ten-year holding period is met, what counts is usually due
of returns and increases in value in any case the long-term plan of the
investor.
stays at private homes and rented properties so all the same.
self-occupied property can be sold tax-free
, in non-occupied properties remains a sell at a profit
tax-free after ten years as before.
short: real estate over other forms of investment from 2009
overall advantage.
is interesting that it is particularly landlord. You can also after 2009
their debt interest deduct mortgage from the rental income - and
for personal tax rate. For the ditches into debt
will become even more attractive.
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is the holding period for real estate for ten years. This means that if lie between the purchase and sale of less than ten years, an
end of this period is completely tax free!
Another important criterion for the real estate investment form
speaks.
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The additional costs incurred in a rented property to be divided in -recoverable costs and non-apportionable costs.
property management. has
non-recoverable costs, ie costs borne by the owner
, the cost to the homeowners and rental management and maintenance reserve
. The costs for home and rental management
are tax deductible, the maintenance reserve is not, because, as the
eradication, not for the direct costs
page counts.
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tax benefits / expenses
the rental income. Where the
advertising costs, rental income arising as "rental income losses
lease" which may be tax deductible.
The expenses include, for example: the financial costs (loan interest,
charges and financing costs), depreciation (deduction for
Wear = depreciation), maintenance costs and other expenses.
addition, of course, on the revenue side nor the tax refund,
resulting from the depreciation of the property and the related tax
assertion.
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homes offer multiple revenue opportunities. One hand on the rents as current revenue, on the other hand ensures the
leads to reduced yield. This is one of the
transaction costs, and partly to the difficulty of the right
date for the entry and exit to take in a market. Therefore,
be considered a rented property as long term investment always
, which could lead to such problems can not
.
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the age of assets live
Not so!
's own property is so ideal for retirement because they
because of the security of a fixed value, it allows, at the age
either to live rent-free or to increase his pension by rental income significantly.
real estate rental income and therefore secure addition, the Convention on the
career.
is designed to real estate financing so that the property no later than
debt free with admission to the retirement age will be the entire
rental income as a source of income
available.
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The primary goal of any investment, there must always be to achieve at least a return which is above inflation. Property value suggests monetary value!
often even a negative return.
"landlord" and thus owners of real estate can counteract.
The rent can be adjusted to the inflation curve. In a
financing with debt financing reduces the inflation
even the repayment of the loans. A real estate investor uses consequently the inflation
for his investment success and the fully automatic and
naturally.
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property and real estate were so and if the investment products to investors the most consistent and safest Income can provide.
income in old age.
Nothing is as safe as a real value, because it is tangible and can not
from one day to be worthless, as it was with some of the securities
last years of the case. Also: the motto "a roof over their head
have" top priority, for "not living, not
goes!
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Invest in one of the most oldest and most profitable property the world!
offer you real estate - especially as an investment - a protection against inflation or
invested capital and lends them to grow your wealth steadily
.
are actually property owners now the largest asset in
Germany. Especially in times of uncertain and variable annuities exchanges
, the importance of the property as an investment. Low
action using capital and tax advantages make the property as
investment for the investor often interesting. Investors, the return on tangible assets
share and expect a higher than average asset value
, in this investment segment in good hands. Should also
real estate investments today part of every balanced portfolio more, for they are the
increase security.
Tuesday, August 10, 2010
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The approximately 1 million investors the VGF-member companies have received 2008 almost EUR 4 billion revenue from operating fund management and sales (exits). The ratio of equity to the stock volume is thus made payments at 7.6%.
Der VGF-Erhebung zufolge verfügten die erfassten geschlossenen Fonds 2008 über ein Bestandsvolumen (Assets under Management) von 142 Mrd. EUR. Das ist mehr als das BIP von Tschechien (2007: 133,6 Mrd. EUR) und knapp doppelt so viel wie die Goldreserven der Deutschen Bundesbank (1.1.2009: 68 Mrd. Euro). Damit gehören die Anbieter geschlossener Fonds zu den größten Assetmanagern in Deutschland.
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Friday, July 30, 2010
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From: Michael Mross
30th 07 2010
The financial crisis is not solved, but the countries have only the banks transferred money to survive - because the banks were to collapse. This, however, the states have even higher debt, and this debt is now out of control, says Martin Hennecke, Analyst at the Hong Kong financial consulting firm "Tyche". ... more
Sunday, July 25, 2010
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Wednesday, July 21, 2010
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Yes, it's that time again: Financial Test has sent back its laboratory tests to be ordered or banks. The results that the money issue on 07.20.2010 under the headline: "The fiasco goes on" was published, no help - other than financial test ...
A total of 146 times the testers raved about from self-styled, to grade the quality of advice from banks. Uh, we were not exactly the first place? Oh no, that was the City Contest by Focus Money. Oh no, that was the German bank as the best bank in the euro money. Oh no, not. Grade we read recently in ING Diba, that they was chosen by the business magazine for the € best and most popular bank in Germany.
Uh, please? Who was now again the best bank? As always, it pays to dig a little deeper ....
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, on 13/07/2010, we reported that the funds Sparkasse in Potsdam, according to the Focus City Money contest is the best bank. Today we read in a Deutsche Bank in the FAZ of the advertiser: The German bank, according to Euro money: "The Best Bank in Germany." So, what now?
This is as it were precisely the reason why we constantly say that we think of superlatives absolutely nothing. We are fed shoots with any test results. They are all the best. And they all want "our best". But you know, like the right answer to make: you do not get it!
If anyone is interested: The German bank is always on such awards as proud as a peacock. She writes on her website under the headline " German Bank as the world's best investment bank and awarded the best bank in Germany":
addition to the "Best Global Investment Bank" received the German bank numerous other awards including "Best Bank Global Credit Derivatives" and "Best Bank Global Risk Management" and "Best Bank in Germany".
fact that the German bank is still an honor to be the best bank for global credit derivatives, like trouble, but not surprised. What was once again a credit derivative? Time in Gabler's business lexicon look. It states:
term: Credit derivatives are financial derivatives (derivatives ) that allow a credit exposure (ie, potential loss of volume) off-balance to increase or decrease. Through credit derivatives credit exposure is transferred from the buyer to the seller. Credit derivatives have thus for the buyer insurance character.
credit derivatives are therefore essentially financial and economic instruments with which one can "make" its balance sheet. One of the key elements of this design, the credit default swaps - that credit default swaps. And those are just the instruments in turn, was related to the capital markets traded wildly - and made a substantial contribution to the financial crisis. Great. Well we know now.
Short Conclusion:
No, we do not really know who the best or the best bank. It should be enough for us just to know simply: Does this bank to me? Who is not (more) of the Financial Mark virus infected will know that he is in a savings bank, or People's Sparda Bank lifted better than the supposed best global investment bank, "she has what I need? This can be a handicapped access to the store. Or the waiver of prepayment penalties. Or exclusion of the sale. Or, or, or.
Who wants to know, can this affect our website www.credible-finance view. De mal. Und seine Bank einfach selbst bewerten.
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Auf den ersten Blick klingt es so richtig schön erfreulich: Focus Money führt einen CityContest für Banken durch. Und am Ende wird unter anderem die Mittelbrandenburgische Sparkasse in Potsdam zur besten Bank in ihrer Region gekürt. Was sie sicher auch verdient hat. Aber Obacht: Warum entdeckt Focus Money jetzt die Region?
Sie können es nicht lassen: Ohne Superlative und Noten geht es für sie nicht. Das (Denk-)System, das immer nur Wachstum und Hochleistung auf Teufel komm raus forderte, hat sich nicht verändert. Wäre die Finanzkrise nicht so sehr, sehr, sehr in den Blickpunkt all moved, Focus Money would then be turned away from the larger world and started to see in the region?
As always, it pays to dig a little deeper ....
continue to www.credible-finance.de
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here sent us a friend one thing that shows the big picture
really fantastic. Even speaking literally. It is a lecture
The social philosopher David Harvey, who was processed for the comic
. Fantastic! The only problem: You have to understand English
... have fun!
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Or ships sink at HSH ...
One of our readers was kind enough to make us aware of a report the news. HSH wants so now some of the loans from their core business to outsource a bath bench. Although the ship so the funding is the core business of HSH actually. Or was. She talks to get out on the agreements it has reached with the EU and the Federal Government ....
We may live in a fast paced world. But always beautiful in sequence: In the case of HSH Nordbank, it was regionally only too clearly the dangers that may pose risks of the capital market and the greed, if looked really pretty frivolous with the money of others. This stage, the states of Hamburg and Schleswig-Holstein, the two largest shareholders of HSH Nordbank, after the high-risk betting shops of Mr. Nonnenmacher and previous whole 3 billion euros of taxpayers' money into the pot of the Bank as equity and an additional 10 billion € Guarantee to flow, and that makes the first budget of the two countries clearly felt. And now apparently also in the shipping industry.
As always, it pays to dig a little deeper ....
continue to www.credible-finance.de
Tuesday, July 20, 2010
Knee- Lenght Skirts Top
The black-yellow government should be discontinued if not only - it is locked up!
is where lied and cheated, that a trooper! Without blushing, to the detriment of the people at the expense of the environment and in favor of profits.
Who actually govern? For us, certainly not for the people!
I am a peace-loving man, it was always and I hope it stays that way. When I look at every day but must, as such politicians with impunity the fate of a country guide and govern it broke, then my swelling of the chamber.
Perhaps most of us have been frozen in helpless rage, but, dear politicians, "you better not rest on. Do not think that it will stay that way forever! At some point, and I hope this day is not far off, are we awake from our powerlessness and direct that anger into meaningful paths.
For as Abraham Lincoln said very aptly: . "You can keep all the people some time and some people all the time, but not all the people all the time to fool"
The following documentation is a prime example für Politiker, die ihr Gewissen längst gegen eine gute Rendite eingetauscht haben.
1/4 Der grosse Bluff
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Posted by Hans Herbert von Arnim,
Professor of Public Law and Public Administration in Speyer, author of the
book "The system" , retired since 2005 and therefore more open than ever before:
"Every German has the freedom to obey laws that he never agreed to he can admire the grandeur of the Basic Law, whose standing he never legitimized has , he is free Politikern zu huldigen, die kein Bürger je gewählt hat, und sie üppig zu versorgen - mit seinen Steuergeldern, über deren Verwendung er niemals befragt wurde.
Insgesamt sind Staat und Politik in einem Zustand, von dem nur noch Berufsoptimisten oder Heuchler behaupten können, er sei aus dem Willen der Bürger hervorgegangen.“
Es ist Zeit, das zu richtig see, Germany is our home country,
the children and their future is our future.
We are the people!
Perhaps you would like to help ensure that something changes, but do not know how?
now - the following excerpt from the movie "Network - Mad as hell" of 1976, is a good inspiration and demonstrates very clearly the options available to a people when it is united. He is likely to be current and controversial than we would like:
Network-be furious!
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Tuesday, July 13, 2010
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That you learn more after the first: While Angela Merkel just the end of the crisis announced , draws an analysis of the ECB has a very different picture: The world financial system was in early May just before the Apocalypse . With the bonds, interbank, stocks and currency markets have threatened the four pillars of global economic collapse, says the report.
Worse than the Lehman crash
The situation is more serious than it was at the Lehman crash in 2008. The dangerous situation was the reason why the ECB broke their own rules and Greece through the acquisition of've already saved to junk status downed government bonds to collapse.
The report is the usually the most wonderful speeches specialized ECB unusually dramatic. Concern was primarily "the speed with which capsized the mood" and the looming collapse of "two or more major banks in the euro area" and the lack of confidence in Interbank market.
danger only postponed
Eliminates the danger of it, either in Europe or the U.S. - aid packages and state aid after all, is anything but sustainable measures. Large investors Soros called for even quite in contrast to the optimism of our Chancellor, the second phase of the crisis: "The collapse of the financial system is real and far from over, we are ... read more
Monday, July 5, 2010
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Politics: middle of the non-critical acclaim for the entry of the German team to the semifinals of the World Cup have, otherwise as a critical characteristic, some media übersehen: Die Wahl von Christian Wulff (CDU) zum Bundespräsidenten war ungültig. Erklären wir es einmal in der Fußballsprache: Was würden sie davon halten, wenn jemand Präsident des Deutschen Fußballbundes werden würde, obwohl dieser nicht einmal Mitglied des DFB ist? Wahrscheinlich würden sie sich darüber tierisch aufregen und polternd eine Neuwahl des Vorsitzenden fordern. Ähnliches ist jetzt bei der Wahl von Christian Wulff zum neuen Bundespräsidenten geschehen…Das Problem: 133 Wahlmänner und Wahlfrauen aus Nordrhein-Westfalen hätten überhaupt nicht an der Wahl teilnehmen dürfen. ... mehr dazu
Friday, July 2, 2010
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The "Federal Republic of Germany" was posted on 7/17/1990 at the Paris conference by the Allies with the deletion of Article 23 aF the "basic law" legally dissolved. (see: Federal Law Gazette 1990, Part II, Page 885, 890 was from 09/23/1990)
with these or similar statements every Internet user probably ever faced, because these voices are growing louder every day and be. However, it probably still believe very few. All conspiracy theories right scenes, which the German Reich want to return.
Maybe ... maybe not! At least not only!
consider this: It's very easy (too easy) all such statements, a brown coat to miss so many people as quickly as possible distance.
But a little Internet research (Interest permitting) bring clarity and we come to some surprising results, which might enable us almost hurts the eyes, provided we are not afraid:
Germany has to date no peace treaty!
We have no constitution , we have a Constitution! Not the Constitution of the Federal Republic of Germany, but the Basic Law FOR the Federal Republic of Germany, imposed by the occupying powers der westlichen Besatzungszonen.
Die Bundesrepublik Deutschland ist kein souveräner Staat, sondern ein Staatsfragment und inzwischen, genauer gesagt seit 1990 eine Firma. Die BRD Finanzagentur GmbH! Damit liegt das gesamte Staatsvermögen im Besitz einer privaten Körperschaft , die lediglich mit 25.500,- Euro dafür haftet! Ich weiß nicht, wie es Ihnen geht, aber mir macht das Angst.
Sollen wir dumm bleiben? Ja! Genau das sollen wir, denn ignorant, disinterested and possibly poor and live in dependence on men are much easier to draw or to suppress it. The citizens are not lulled without reason Titytainment, lied to and cheated, while Germany is really exploited. Or would you voluntarily pay more taxes, knowing that this money will flow to a private corporation, dergegenüber the individual citizen has no obligations!
"People believe a lot easier a lie that they have heard a hundred times, as a truth to them is completely new." (Alfred Polgar)
I can only guess:
- Find out!
- Find!
- you fight back!
- Protect yourself!
His words from 27.02.2009 during the current Congress: "We have no government. We have ... Mrs Merkel is the director of a new non-governmental organization in Germany. This is what it is "
Click here for the audio recording
Thursday, July 1, 2010
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Greenspan! If politicians can not resolve the imbalances in the euro zone may be the problem, "€" decided on the road. "We do not know where the" Endgame "will take place at the Euro".
expressed in detail by the former Fed chairman Alan Greenspan in an interview on CNBC on € crisis: The euro will continue to have major problems in the future, Greenspan forecast in the conversation. The single currency was subjected to great pressure. The differences in the various States are huge. Literally, Greenspan said, we still do not know where held the endgame of the euro. The situation in Europe is certainly very unstable at the moment.
€ None of the members is fiscally as carefully as the Germans. These imbalances are a major problem. Currently is not clear how this problem could be solved. The Germans were sitting on a great "undiscovered treasure," Greenspan rewrote the current monetary situation. If the Germans Now the DM still had, it would be massively upgraded. ... more
Wednesday, June 30, 2010
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gold - the oldest and most stable currency in the world, the safest type of data backup, inflation-free currency reform and secure. The investment in physical gold, that is, for example in a bar, which you can handle really, is recommended by financial experts. The purchase of gold bullion, in contrast to silver even more tax free. The benefits of investment in gold has also know Stephanie Schmidt of Munich TV ... more
Friday, June 25, 2010
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"If not change the Germans their policies would be their exit from the monetary union for the rest of Europe's helpful." This position of the American hedge fund manager George Soros considers, in an interview in today's issue of the German weekly newspaper Die Zeit. Soros described the German policy, the debt-ridden countries in the euro zone to commit to a tough austerity measures as a "threat to Europe." ... more
Wednesday, June 23, 2010
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Sometimes it pays to listen closely. For example, reported a correspondent of "Phoenix" live from Brussels on the meeting Sarkozy / Merkel. There, our Chancellor seems to have become very clear, and threatened with the reintroduction of the DM .. more
Monday, June 21, 2010
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P. Wool, the Wolfgang Petry double, who really means real name is Wolfgang
P. Wool, who in the room Hamburg is at home cooking with good friends in Rheinsberg. But first ran
as had "The Wendler. His dinner was cooking, be at home rather
exaggerated pomp.
Next Olli Kahn was asked his cooking skills. He served in the typical football style.
Its decoration was like a football field.
The third served the Eifel Dolly an extravagant menu. But before it was ready to have your guests in style in a Rolls Royce picked up from the real Heino his City Hall Cafe in Bath Münstereifel and driven to Dolly residence.
Although this is a highlight, but not for everyone Sache, wie Wolle ( das Wolfgang Petry Double ) zugibt.
..... mehr
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is at the service of feelings: if thought is the feeling, everything is equilibrium arise deep in your being calm and joy. "" Like a Stone, which according to the beliefs turn lead into gold, Osho teaches us how to transform destructive emotions into positive energy. Anger, jealousy, fear, guilt, insecurity, if we understand, observe, live, will be dissolved, without