Archive for May, 2014

DVAG

DVAG: for the whole family with the proper financial planning for families special requirements apply protection experience of the Deutsche Vermogensberatung (DVAG) in financial planning. Because several relatives financially, including above all the children, so the Deutsche Vermogensberatung meets accident or death of a parent. Insurance prevent that these are loaded in strokes of fate by their parents. The Deutsche Vermogensberatung (DVAG), who nationwide over five million customers around the topic of asset plan, secure and more supervised, therefore recommends that you upgrade yourself and the family well for the future. From the many discussions with customers, the financial advisers of the DVAG know: often parents nurture their offspring with cots and outlet protection, but neglect the financial protection. Of course, parents have often different to do to update as insurance. The Deutsche Vermogensberatung advises but yet to do so, taking the time for this important issue.” A good family financial planning ensures the future of children, so the DVAG? For example, provides disability insurance for that loss of income is compensated. In the event that one of the parents dies, risk life insurance guarantees financial experience the DVAG.

It guarantees including the supply of the child. Because the required amounts are significant for example, full-day care of infants costs around 1,000 euros a month, calculated the Deutsche Vermogensberatung. Parents are liable for their children that also applies to accidents and damage, which unintentionally brought the child, as the Deutsche Vermogensberatung (DVAG) pointed out. So that this does not lead to financial disadvantages, parents should complete a liability insurance for their offspring, advises the DVAG. In addition to gross negligence it is advisable, insure also the damage to leave by inept offense “, so younger children were created, so the experience of the DVAG. In their comprehensive consulting the Deutsche Vermogensberatung also points out the allowance at the Riestern: parents who complete a Riester contract, receive a bonus every year. Many however do not know that they must apply for this extra missed revenue, “the DVAG experts explain.

For every child who was born after 2008, 300 for older children 185 euros by the State annually, the Deutsche Vermogensberatung informed their customers. About Deutsche Vermogensberatung AG (DVAG): With its 37,000 investment advisers, the Deutsche Vermogensberatung serves over 5 million customers around the topics of finance and insurance. The financial distribution founded 1975 by Prof. Dr. Reinfried Pohl scored revenues in the fiscal year 2008 amounting to about 1.2 billion euros and a net profit of around 150 million euros.

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Investing

PIMCO is investing in this company 18 June 2009 I have a friend who likes to invest in shares, although it does so in a very particular way: my friend copied the portfolio strategy of investment funds that have managed to better profitability in the last time.My friend’s reasoning is simple: If the investment funds, which usually have a very qualified specialists team and probably handled information privileged quasi, invest in certain enterprises, it is likely that they have a high potential for profitability. For those who act as my friend, probably, a strategy that would not be bad is the attention to those papers in which investment funds observed a potential growth in a medium to long term. Thus, investing in papers with longer-term growth potential, the inverter may acquire them until the best of its growth has passed. There are two very interesting companies to invest already. Click here to find out what. What les I commented above arises from a note I read in America economics where he met the Executive Michael Gomez of the bond fund Pimco, who acknowledged that they are investing in sovereign debt of Brazil, because these bonds are the highest in the world and this is a country that is very well managed, does not have an inflation problemIt has a coin between relatively stable and strong. But Pimco has not only set in the Brazilian sovereign bonds, but has also been in the spotlight in three companies in the country, among which is the Companhia Siderurgica Nacional – CSN-(BVSP:CSNA3; NYSE:SID). CSN is the second steel company of Brazil and the first producer of flat steel, which has a capacity of annual production of 5.6 million tons and generated 16,000 direct jobs. The company has international operations, beginning its process of internationalization in 2001 through the purchase in the U.S. Heartland Steel. Leveraging the advantages, the firm operates currently in different market segments such as automotive, civil construction, containers, appliances, among others. After seeing this note, I searched the graph of its SARD to see its evolution, and found that it is observing an upward trend since the beginning of February this year. Papers of the company did not have a good day on yesterday and closed at $22,34, far from US $51, from May 2008. However, the current value of the ADR away lies the growth potential that can reach the company. Depressive economic context, it has been affected by the strong impact of the crisis has been particularly in the sector, but recent signs of global economic recovery hopes increase. The depression of the international scene was reflected in the company’s results during the first quarter of the year. The gross operating profit (EBITDA) of Q1 2009 was 681 million reais ($ 323,3 m), representing a 47% drop compared to figures for the first quarter of 2008. This sharp decline has other extenuating circumstance that CSN is recording a record in 2008, its net profit R $ 5.8 billion (US $2.529 million), double the figures for 2007. On the results of the first quarter of 2009, the brokerage Brascan said in BNamericas: since 2006 have not observed a less than 30% Ebitda margin. The reason for this result for Brascan is: this weakening of the operations is a direct reflection of the low demand for steel products. For the consultant, from such a result will be a gradual and continuous improvement every month demand that recompose the results of the signature. The expected recovery in demand for steels represents good news for the prospects of profitability of the company to which is added the decision to impose tariff measures the Brazilian Government and the end of a dispute which maintained with Vale (sao:VALE3; NYSE: VALE). Recently in Brazil decided measures tariff on steel imports that have a positive effect on the companies in the country, as CSN. Lula’s Government decided to cede to the pressures of the local industry, reimposing tariffs ranging from 12% to 14% on imported steel products. These had been eliminated in 2005. Last may, CSN managed to finish a dispute initiated by the exploitation of the mine stone house, in a negotiation than with benefits for both in 2000 by Vale, and according to which shall be at the discretion of Vale suspend or definitively cancel a contract until end of this year, to buy ore produced by Casa da Pedra. The agreement foresees also the supply by Vale of up to 3 million metric tons of pellets of iron to CSN between 2009 and 2014. In what refers to the company’s strategy in these times of crisis, it has prioritized kept liquid at least until uncertainty in the markets. In this sense, CSN made a strategic sale of 40% of the shares of national ore S.A. – Namisa- (Brazilian production company of iron ore, a subsidiary of Siderurgica CSN), to a consortium with companies in Japan and South Korea. In the same line of maintaining financial strength for this year, and considering the weakness of demand that will see a slow and gradual recovery and that will limit the volume of income, CSN has limited their investment projects to the continuity of which are already underway. At the moment, CSN has postponed the project of entering the market of long steels (the specialty of CSN are flat steels), scheduled for 2010. The construction of two new steel, one in Itaguai (Rio de Janeiro) and another in Mina Gerais was also postponed. Yes it was confirmed the continuity of investments for the construction of a cement factory. Perhaps one might think that the decision to postpone investments in steel sector represents a step backwards for the company. However this is not so since global demand is very depressed and will take a long time to resume normal, so it is not advisable on installed production capacity to expand to a current oversupply for the situation. Test of excess capacity of existing production at the global level, a friend of mine who works in a steel leader in Argentina, told me in China around 90% of steel plants are stopped, given the weak demand. Thus, in the immediate term, this Siderurgica argentina benefited from demand for steel from China that exceeds the production carried out active plants, but this situation is not sustainable in the medium term since many plants that are inactive like these from China will restart with the recovery of the global economy. To synthesize, Pimco sees a company that is well positioned in a market that while it is depressed, is in its phase of gradual recovery in CSN. On the other hand, the business strategy of the company allowed to speed recovery of their profitability compared to other companies in the sector.

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International Success

B2B expands range of better Betreut Europe Berlin, 03 may 2012 the companies service of the better Betreut moves still on course for success. The Europe-wide supply and demand for international corporations make the expansion to the next step on the way to the European market leader. Team leader Uwe Ottenbreit has therefore again professional supporters engaged. Phila Reichling project manager will oversee as of now the countries of Austria and Switzerland for the corporate service. As project manager, the diploma in business administration last launched international staff in the areas of knowledge management and consulting. The 30-year using their extensive experience as a coach and consultant. Sandra Phersson will support in the future as a project manager “Family and work” the B2B team of the better Betreut. The 29-year-old previously also worked as a consultant and was active in this context for the Federal Ministry for Family Affairs.

The social worker there has the substantive program consulting, as well as the funding advice Carried out customers for various social projects. The two new team members are considered experts in their field. Team leader Uwe Ottenbreit was delighted with the new colleagues: Mrs Reichling and wife Phersson are a valuable support for the companies service of the better Betreut. With their expertise, we enter the international market well prepared. I look forward to the cooperation and future success.” The corporate services offers support in finding employees of cooperating companies to care. In Germany’s largest Manager database you find the appropriate care for child, parents or pets alone or by means of personal mediation by the team of experts the better Betreut among more than 250,000 workers. As well, corporate clients is an emergency childcare available personal care space consulting and the organization. Also on topics such as company kindergartens and children’s and youth travel, companies can obtain competent advice.

Betreut.de – better GmbH supports the better Betreut TuV South tested solutions provides the reconciliation of family and career. In 15 European countries, families will find the appropriate support in the categories of children, adults and seniors, animals, as well as household and garden. An experienced team advising also competently to questions around the topic of care. International enterprises and scientific organizations take advantage of the companies service of the better Betreut. Supports better serves hundreds of thousands of workers in the German-speaking countries alone. A worldwide Aupair placement is offered with the brand Aupairnet24. The better Betreut was awarded for its successful concept already several international based in Berlin.

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Corporate Communications

The Internet offers businesses many ways / kom-kom GbR advises companies about meaningful communication Internet pages are not just for the eye, but must be filled with appropriate content which brings something to the user. This is the philosophy of the kom-kom GbR headquartered in Bavaria, Germany. The two entrepreneurs Claudia Hosl and Sahab put primarily on qualitative content for a fair price. Good texts have their price, but also affordable which can be, at least the kom-kom GbR, which connects their text work with appealing graphics and optimized IT takes this view. Classic texts today still play a role.

Includes best communications or PR but a lot more: newspaper articles, letters, mailings, and speech manuscripts are just a sample of the complete spectrum of PR. In addition, but just the online area is a market for companies or should be, at least. In concepts individually tailored to the respective company, we reveal the entrepreneurs, what for their operation is useful”, explains Claudia Hosl, trained PR Manager. The same newsletter could achieve a different benefits for two companies in the same industry. This is due to the structure of the company itself, on which the kom-kom GbR specifically enters and appropriately taken into account.

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