Tag Archives: stock exchange & stock markets

Heidi Schulze

It is important therefore, advance a loan comparison to strive and to face relevant loans. Only this way it is clear where there are strengths and weaknesses of the offers. Thus, the basis should be created to decide against the old loans and to accept the new and hopefully better loan. This should offer noticeable advantages in any case. What is the termination? A creature of the restructuring is that all existing loans are immediately replaced with the funds made available. But caution, not always so easily it is possible to replace the old loans. It is easily usually account Kore loans or disposition loans that can be repaid without notice.

Beware should loan and installment loans of debtors sometimes don’t like is, if they are paid in one fell swoop, because thereby the future interest lost him, which can result in significant amounts of money over a long period of time. So to clarify, if the borrower all previous debts can easily wipe out or whether he must expect a special, a so-called compensation, pay to add to the loan amount would be. On interest rates, look at an important criterion, according to which the value of a loan is determined, is in the interest to be paid. These are set on the one hand individually by the lender. He in turn is measured its profit margins but on the interest rate, which is determined by the overall economic situation and can not be affected by the individual bank.

It is therefore important to make the restructuring until then, if interest rates are very low, and this step is actually worth. It’s crucial but not spontaneous and out of the necessity to act but to proceed deliberately, if the prerequisites and the General level of interest rates are favorable. Proceed wisely such restructuring is thus associated with some stumbling blocks, which must first be cleared out of the way. It is especially important that all previous monthly Loads, which consist of interest and the instalment, to summarize. Compared then to the costs, which the new credit in turn calls. A clear advantage, arises from the fact the borrower through the new loan is a positive signal. He comes out of the old contracts without a larger transfer payments, which would be a further step out of financial trouble. Who is himself not versed in such matters, should take in advance a consultation, covering all individual risks and rewards. On the Web page there is a suitable online loan calculator. Heidi Schulze

Total Loss At The HCI Of Ship Fund Shipping Select 25

48 million euro damages for HCI ship fund investors have lost around 1,000 private investors with the end of 2007 ranked HCI of ship Fund shipping select XXV. The Fund invested the money in four bulk carriers, the panamax bulker Voge prestige, Voge prosperity, Vogetrader and Vogevoyager. Because the ships without fixed Charter contracts drove the disastrous development in the world ship market in its entirety is noticeable. After approximately four years, the Fund was at the end, the investors have suffered a total loss. Compensation for investors due to wrong advice and prospectus errors we already represented numerous clients in the Fund of HCI shipping select XXV and have found that our clients in many ways before the investment decision were incorrectly advised.

More than one-fifth of the investor money for sales commissions: many investors was not communicated, that is alone “emission”, so the commissions paid for the sales of fund shares to 22.9% of investors capital including premium costs. Only 72% of the investor money flowed into the ships: many Investors was not communicated, that only 72% of to be of them equity incl. premium for the purchase of vessels flow. The rest was used for various service fees, interest and commissions. Ship funds as retirement not suitable: the investment in the Fund of the ship is a highly risky entrepreneurial participation, in which due to the high leverage is the risk of the total loss. Nevertheless, the participation of as retirement savings or investment in the age was recommended. Such participation is not appropriate according to the Bundesgerichtshof as pensions.

The Bank Manager had therefore not may recommend the Fund. Distributions were presented as a rate of return: the dividends that investors should receive regularly, were misleading way represented in the consultations as a return. That regular payments were partly a refund of previously invested equity, were we to the noted investors regularly nor The fact that liability for the fund company’s debts caused by these payouts.