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Lisa Neumann University

Posted by Sylia on

Precious metal benefits by decreasing dollar rate the precious yellow metal is since many years a hot property. The ancient Egyptians already encouraged gold to make jewelry. And the jewelry industry is still the largest buyer of raw materials. In the 19th century, it came to a gold rush in California. The appeal was on gold prospecting here many Emmigranten sure also, that the metal in nature in its pure State is in contrast to most other metals. As the financial portal found out boersennews.de, the precious metal has lost none of its desirability today. Now, in October 2009, the price of an ounce of gold has increased to over US$ 1,048.

A result that is unique in the history of the gold course. This is probably on speculation, which predicted a declining importance of the dollar. This affects also strongly on other precious metals, such as silver, which is positively correlated with the price of gold. Decided on the basis of forecasts, which predict a further expansion of the gold value, the speculators, massively to buy their way. So far, only a few investors opted for a proportion of gold in their portfolios. Hear recent messages on the current gold market situation, now even the otherwise deemed more frugal Chinese shareholders invested in the sought-after precious metal. Experts estimate the end of 2010 to $ 1,400 per Troy ounce gold price.

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Schufa Credit Offers

Posted by Sylia on

Who would like to apply for a loan without Schufa, should the vendors scrutinized under take a Schufa credit is usually a credit will be given even if the applicant has a negative credit rating. For the grant of a regular loan, German banks request usually a credit check at a dedicated protection community for lenders (Schufa) and refuse such request if the applicant in the recent past occurred to financially negative. Schufa stores data of customers and passes it on demand to credit institutions. Three years after the redemption of a relevant debt the entry will be deleted and the person considered to be back fully creditworthy. A variety of providers on the German market, which have their headquarters in Germany and therefore in lending are subject to less stringent rules is now online through the Internet and its possibilities. So it is today mostly people with a negative credit rating possible, a Loans to get. For granting a Schufa loan online usually a salary proof is sufficient: the applicant, or the applicant must prove that he or she has received a regular salary statement in the course of the past six months by an employer. The amount of credit granted is from the height of this regular payment.

A Schufa credit is typically more expensive than about a building society loan or a conventional loan. However, especially for people who have found back from a prolonged unemployment in employment or self-employment, often, he offers the only possibility to make necessary investments or to fulfill a request. Due to the immense number of providers on the Internet, it makes sense to make a comprehensive comparison prior to completion of Schufa credit anyway. The offers differ in duration, interest rates and the possibility of early settlement considerably. Does it make sense in any case in Germany, a Schufa credit online to request, if would not help all other options and it still normal life.

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Sustainable Wedding Gifts Are Becoming Popular

Posted by Sylia on

A wedding last but not least for the guests brings the question, what one is to give the bride and groom wedding gifts with symbols GeschenkBaum and BaumSparVertrag. The wedding original and yet useful, should be something special for a special day. An unconventional and yet meaningful wedding gift is a tree investment on behalf of the bride and groom. This wedding gift represents not only a (money) for the future of the couple, but is also a symbol for the evolving relationship of the couple. Trees are for resistance and at the same time a constant transformation through their seasonal changes. Just as a tree is growing steadily and changed, changed a relationship over the course of a marriage and still growing. As a partner in marriage, a tree for humanity is vital: it cleans the air and provides oxygen to breathe. By fruits he gives human and animal food, and the people also wood.

It is the Habitat for almost 75 percent of all species. Today, most importantly however: Through the photosynthesis process, he binds the greenhouse gas CO2 for decades. The Bonner forestry investment service provider ForestFinance offers two tree investments, which are ideal as wedding gift: the BaumSparVertrag and the GeschenkBaum. Sustainable wedding gift GeschenkBaum and BaumSparVertrag: the BaumSparVertrag as a wedding gift plants ForestFinance a tropical tree for 33 euro per month every month and maintains them until the harvest. Then, the bride and groom will receive the proceeds from the sale of wood and CO2 certificates. The predicted yield accounts for more than the eight times the original price.

The GeschenkBaum plants and maintains ForestFinance a hardwood tree in Panama for a one-off payment of 60 euros. Here too, the couple receives the achieved yield from the sale of wood after the harvest of the tree. The tree property is confirmed by means of personal gift certificate that can be passed to the bridal couple in a wood box with a key chain made of rosewood. Trees – more than just Wedding gift: Investing in ecological timber reforestation provide a triple return on investment: a financial, a social and an environmental. They are not only financially lucrative, but secure permanent jobs and have a sustainable effect on climate and the environment: forests are conserved, CO2 is bound over many decades in exotic wood and species-rich mixed forests be created from scratch on grazing land. The forests will be replanted according to strict ecological requirements and manage sustainably. Thus the GeschenkBaum or BaumSparVertrag are not only ideal wedding gifts, but also sustainable gifts for any occasion: for birth, christening, Christmas, or birthday. More about the wedding gift ideas, see and.

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Pension Prospects

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What are the retirement prospects of Germans in the age? Berlin this question equally employs the AFA AG and the MDR. In the MDR television post your pension prospects are really? arm in the old how”MDR provides up-to-date figures on the looming old-age poverty in Germany. The fact is: those who earn less than 2,500 euro, which threatens the poverty in old age. A current study, recently presented by Minister of labour Ursula von der Leyen in Berlin comes to this conclusion. As a consequence, she advises U.S. citizens to provide private. The problem is not new for the AFA AG. For 20 years, the renowned financial services encourages clients concepts to private pensions, which are individually tailored to the needs of each individual.

The factor time is crucial for old-age provision. We therefore set on long-term investments in AFA. “Only in one of the last editions gave us the financial magazine focus money for our top-value rates to pension AFA with the predicate best pension awarded”, explains Stefan Granel, The AFA Board in Berlin. The television report of the MDR is available under: look around / video75968.html about the AFA AG: the general financial and Assekuranzvermittlung (AFA AG) is an independent financial sales with seat in Berlin and Cottbus. The insurance professionals and system business of AFA AG have a Chamber of Commerce degree and are trained according to the recognized directives. In addition, they are registered in the EU register of brokers and work in accordance with the EU directive for financial services. Agent of AFA conducted approximately 500,000 individual consultations within the last ten years. Every year the AFA AG provides nationwide 750 free training places available and promotes 250 young entrepreneurs. New office locations are planned in all Germany. Press contact: Martin Ruske the AFA Board Lama Walshe road 7, 03046 Cottbus Tel.: 381090 E-Mail: