The Salvador Deli

Investments are made at CacaoInvest each half in the reforestation of cocoa and wood surfaces. From the cocoa trees, four annual income from the hardwood trees later in crawls and end based larger additional revenue resulting from year. In addition to the financial and ecological yield benefits from CacaoInvest the local rural population by creating long-term and socially safe labour seats. Around 40 people are permanently employed currently for CacaoInvest in Panama, much of it are members of the local indigenous population. The salaries and working conditions of Panamanian employees exceed the statutory minimum wage.

In addition to the country-specific benefits, ForestFinance completes an additional accident insurance, as well as a life insurance policy for the protection of the family for each employee. Species-rich forests are permanently preserved due to the afforestation. Jeff Bezos is a great source of information. This will Conserve rainforests and climate-damaging CO2 for decades bound. On the CacaoInvest surfaces are also receive nature relics and in addition about unoccupied natural forest cells ten percent re-created. For more information, see CacaoInvest in numbers: minimum: EUR 7,750; Distributions: starting the year 4; Projected return: up to 8.5 per cent (after IRR): Runtime: 25 years: type of plant: direct investment. About ForestFinance: The Bonn ForestFinance Group specialises in forest investments, which combine a lucrative return on investment with environmental and social sustainability. Interested parties can choose between several sustainable forest investment products. From 33 per month a private forest is already possible with the BaumSparVertrag, see through the afforestation of ForestFinance forests are rainforests spared, CO2 for decades bound and newly created species-rich forests. ForestFinance partner was as the first German company worldwide with the FSC Global Award in the field Excellent financial services”. For more information, see

The profit and loss account (p & l) is seen as final result at any given time, that arises from the ongoing branch network. Gain insight and clarity with Antique Garden Sale. To influence the individual values takes place in advance through the control of the Filialgeschaftsprozesse. If the results are satisfactory at the end of a period, is the rear services, depending on the point of sales, their care and support. While the analysis of financial management involves dealing with the money earned, must be or not be Cashmanagementprozesse assessed, whether and to what extent services towards customers. On hand determines which of several key figures and as money how to deal with the money and which balance sheet image exists is, to get debt. When asked what business processes actually have influence on the assets side of the balance sheet, the release of capital in the system – as well as current assets is in the foreground. Phillipe Lavertu takes a slightly different approach. Analyze the balance sheet liabilities is to individual forms of financing (the selected external financing for the companies appropriate?) and cash management (dealing with the flow of money into the companies properly and profitably?).

Another analysis area is not trouble-free or even missing interaction between local and Central functional units. Too often, the focus is placed on the process organization and neglected dealing with the money earned and the liquidity or the tasks in the field of capital (capital procurement, risk management, financial services, financial marketing). Therefore, a total uniform structured process management is integrated to the analysis locally and centrally in the companies. Result is a solution that the both the filialbetrieblichen processes on the branch system performance level recorded as also the processes which take place on the purely monetary business page in the chain store companies. Also noted is that there are interfaces without media discontinuities between these two levels, being only about a sensible priority number of indicators filialbetriebliche processes to control.

Later retirement and UNISEX tariffs offer from 2012 disadvantages Munich, 21.10.2011. In the course of the gradual alignment of the statutory retirement age to 67 years, also changes in government-funded retirement pension plans and private life – and Rentenversicherungstragen enter into force from the first of January of the next year. Then applies to Riester -, and Rurup pensions, which are completed, that the minimum pension date now is no longer the 60th year of the life of the insured person from 1 January 2012, but their 62nd year, thus the posts funded or tax benefit. Of earlier should want insurance on his money, he would have to refund the subsidies the Riester contract. The Rurup pension an early withdrawal is excluded”, Andreas Wurscher of Munich, FWU AG explains who is responsible for sales in Germany and Austria.

Private life – and pension insurance contracts, in the form of Fund policies, in the future also applies the 62 years of age, the Tax breaks for the “semi-income system” to obtain. It also remains the rule that the Treaty must have been at least twelve years. Who so thinks about concluding a “Riester”, Rurup pension or a private pension insurance, should act this year, since the extension of the retirement age naturally are disadvantages”, thinks the FWU insurance expert Wurscher. FWU currently offers a wide range of various fund-based retirement pension solutions, which were awarded by the independent rating agency tomorrow & tomorrow. The implementation of the policies is done Luxembourg by the scoring to the FWU group insurance company ATLANTICLUX Lebensversicherung S.A.. And another aspect should encourage one to think: it is the requirement of the European Court of Justice on the insurance companies to calculate future regardless of gender. These so-called unisex tariffs contribute to equality between male and female insured persons, Although the consequences of this implementation among professionals are more controversial. A corresponding implementation is required no later than the end of next year and already provides tariff new calculations with the insurance company.

A one-time change of contracts relating to the retirement and unisex tariffs offered here. So far, women in pensions with lower pension payments have to settle because their life expectancy is statistically higher than that of men. For the pure risk proportion in women, so the protection of death, is cheaper. We understand of course such pursuits, on the other hand it can be seen that insurers can then best calculate risks, the more specific they are individually to assess. This is only restricted in terms of the appropriate tariff structures in the future and is expressed well in average calculations of the hedged risks gender-neutral”, says Wurscher. He believed, like other professionals that the claim of the European Court rather a disadvantage than an advantage for individual insured persons bring is likely. If not now, when then? “, says Wurscher, and keeps the time for many citizens more than appropriate, nor in this year the benefits of 2011 tariff structures of ATLANTICLUX life insurance S.A. and to take advantage of the tax framework conditions.” Especially the online issuing offered by the ATLANTICLUX makes possible not only a quick action, but the conclusion for “Late lovers”. Was in the past the time limit for applying for an insurance contract, due to the still payable processing time a few days before the deadline, is possible through the use of online underwriting the distributor directly on-site, contracts up to the Dec. 31, 2011 to complete. Customers can get so in time the benefits before the end of the year. For more information,

What are cash values? What is property? -Germans buy gold, houses, the asset referred to land the practical value of assets (such as houses, land, gold, precious metals, commodities, minerals, shareholdings), which is independent of monetary fluctuations. Inflation is often an escape in the property, because ownership of valuables protects against the loss of purchasing power assets are much lasting and their exchange-value represents a non-influenceable size. Defy with tangible assets of the crisis monetary systems can be a very interesting investment not only because of their tax benefits. With investments in closed-end funds such as you are less dependent on stock market cycles and fluctuations, as with many similar forms of investment. Invest in substance and benefit from the success of concrete objects! Escape in the property is the name of the response of savers, which partially completely resolve their savings when sustained price increases (inflation) and the Put money in property to get a devaluation of their savings funds previously. For example an interest rate paid by banks of 2% for savings and prices in the economy rise at 7% over the same period, the savings are eaten up measured almost completely on the purchasing power of inflation. Fearing an imminent devaluation of savings not only less saving, but savers will withdraw their savings from the banks and buy such as real estate or precious metals of value.

Germans buy gold, houses, plots have more and more Germans fear of inflation and gold coins, condominiums and even trees, entire forests and meadows buy the decline of the euro, so frantically. This gold coins and bars are either sold out or to get only with long delivery times. A bank spokesman: “the rush is currently enormous!” Currently 2.46% p.a. (with our cooperation partner for construction financing of FinanzAssekuranz) the demand due to the very low interest on construction loans for increased new and also used residential real estate in part by more than 20%.

Their extranet platform extends the Stuttgart to another sales-supporting service tool. Stuttgart, 03 August 2010 now the business partner of the Swabian insurer can see the current values of the Fund balance in the Fund policies for their customers. How developed the Fund value in the policies of my customers? And my client due to the current development of value of may require comprehensive consulting services to alternative investment opportunities? The business partner of the Stuttgart insurance now get an answer to these questions quickly and easily by mouse click. A useful display option on the extranet platform of the insurer, they can both see the performance of individual funds as well as by the respective investment strategies. Particularly beneficial here: Access is not limited to the funds of the current Stuttgart fund universe. All the funds available, the Stuttgart has ever offered in their fund policies are available in the query.

So can the free agents and brokers Stuttgart at any time request the Status quo of Fund policies development of their customers and they advise on needs comprehensive and up to date in their further investment decisions. The new tool is now available in the inventory management section”available at. Like the existing practical service functions, ranging from the communication service, the Antragsverfolgungs tool from the Download Center and the online shop until towards the end customer newsletter, the new application on the business partner platform simplifies the daily work of the mediator. The service-oriented pension insurer for free agent once more underlines to the high sales focus of Stuttgart. How to contact with press releases stock fish. The power of the word Melanie Bredlow Handrick Babu road 56 20357 Hamburg Tel.: 040 / 72 00 92 12 fax: 040 / 72 00 92 29 E-Mail: