How Probation Help The Community

Assets Flatrate

-KFI-Flatrate
assets

Consumer Protection of the word deserves.

Please check itself

KFI-capacity all-inclusive flat rate
mean for your nascent or existing assets
services for which one will envy you.

FREE safekeeping.
reimbursement of all hidden commissions.
All new net investments.
No unnecessary depot transfers.
no in-house products.
by us only 1A systems.
your own selection, with our support.
monitoring of your portfolio with our portfolio-alarm technology. Monthly meetings
Depot.
From 8.00 bis 20.00 clock clock order realization.
online banking on your deposits and your statements.

The flat rate will be agreed individually.
minimum fee is 90 € plus current ustr.

Online Movies For Iphone

Imprint

Important information for you!
proof to the information requirements under section 4 / § 11 insurance intermediary regulation


please contact me at the following address:

address

Werner Floßmann
KFI Financial Planning AG
Hüttengrund Straße 1
09337 Hohenstein-Ernstthal
phone 03 723 681 250 begin_of_the_skype_highlighting 03 723 03 723 681 250 681 250 end_of_the_skype_highlighting begin_of_the_skype_highlighting 03 723 681 258 Fax end_of_the_skype_highlighting

Email sekretariat@kfi-service.de
Homepage www.kfi-finanz.de
register court of Chemnitz, HRB 20 841, VAT identification number: DE 238 219 672, Executive Board: Dipl. - Ing Päd Peter Lissek

Chairman: Marion Rudolph Dipl.Betriebswirtin

My status under the Industrial Code
I am working as an insurance broker with permission according to § 34d para 1 of the Commercial Code with the competent authority
reported and entered in the register according to § 34 para 7 d of the Commercial Code. (*)
issuing authority: Industry and Commerce of Southwest Saxony Chemnitz-Plauen-Zwickau - Chemnitz, Straße
of Nations, 25, 09111 Chemnitz, phone: 0371/6900-0, Fax: 0371/643018,
Email: @ Chemnitz Chemnitz. ihk.de, Website: www.chemnitz.ihk24.de
I own a license pursuant to § 34 c Trade Regulation.
issuing authority: IHK Chemnitz
property damage liability
I have a lawful property damage liability.
investments from or to insurance companies
I have no direct or indirect shareholding of over 10% the voting rights or capital of an insurance company.
No insurance company and not a parent of an insurance company has a
direct or indirect participation of over 10 percent of the voting rights or capital of my company.

you my status and my address in the Register of Brokers consider
My Registration no. D-VG2M-5OTN0-09 D-VG2M-5OTN0-09
address of the register: German Industry and Commerce (DIHK) eV, Breite Straße 29, 10178 Berlin,
Phone: 030/20308-0, Website: www.vermittlerregister.info




address Dispute Resolution
Insurance Ombudsman Association
Postfach 08 06 32
10006 Berlin
ombudsman of the private building societies
PO Box 303 079
10 730 Berlin
Ombudsman Private Health and
care
Postfach 06 02 22
10 052 Berlin
customer information (name, first name, b.):


X
place, date client acknowledge receipt of the initial information has been understood and
content

(*) Explanation of the status

Insurance The insurance broker's stakeholders of its customers. He is first and foremost committed to the interests of its customers
true against the insurers and is thus on the side of the customer. The insurance broker ist demzufolge nicht an
eine Gesellschaft gebunden. Er wählt entweder aus den Produktangeboten der verschiedenen Versicherer am Markt aus oder arbeitet
mit einer bestimmten Anzahl von Versicherern zusammen, welche sein Vertrauen genießen, welche er dem Kunden benennt.
Ungebundener Versicherungsvertreter
Der ungebundene Versicherungsvertreter ist Handelsvertreter und damit Interessenvertreter der von ihm vertretenen Versicherer. Er ist
in erster Linie verpflichtet die Interessen der von ihm vertretenen Versicherer gegenüber dem Kunden zu wahren und steht damit auf
der Seite der von ihm vertretenen Versicherer. Der Versicherungsvertreter ist in seiner Entscheidung frei, mit welchen Versicherern er
zusammenarbeitet. He will appoint this insurer to its customers. Insurance agents are bound

The bound insurance agent sales representative or employee of the stakeholders and thus they represent
insurance (s) or organizations. They are primarily committed to the interests they represent insurance (s)
or organization (s) to the customer to maintain and are thus on the side of the insurance they represent (s)
or organization (s).
But the insurance broker and consultant fees is on the side of the customer!

Kate Playground Lesbian Raven Riley

rhenium from the perspective of consumers and applications 2008-2028

The metal rhenium
consumers and applications 2008 - 2028 • The largest
Civil Aviation
- - Military
- IGT (gas turbine - energy) market for rhenium, the turbine industry defined
use in super alloys for
is
• Second biggest customer is the catalyst industry (petrochemical)
• Other applications include
- Medical
- Thermocouples, sheets, wire,
- powder production
- new applications ReB2, Gas to Liquid

Consumption is characterized in the next 20 years from the turbine industry.
The total consumption (2008: 68T) will increase by 2028 to about 123T rhenium.

consumers and applications 2008 - 2028
comparing the expected Development of the various demand segments,
it is striking that the proportion of the turbine industry remains virtually unchanged.
the market is growing by about 51 tons to about 92 tons.
The catalyst market and the medical business will increase by 1.5 and 2.5% per
year.
largest increases are expected through new applications such as gas to liquid and through new products such as
ReB2 (Rheniumdiborid). The rhenium
range of primary production and recycling can demand from 2011 to no longer cover. The
mine production can be increased only moderately from 2013. Even if the primary production of about 50 tonnes in 2008 to 80
increase t by 2028 should the increasing demand is not balanced. Starting in 2011, draws a
from long-term demand gap. Because despite intensive research rhenium substituted by another metal can
, an extreme price increase for rhenium is in sight. From recycling activities will be by 2028
a production capacity of 30-35 tons per year are available. However, it is very uncertain whether enough scrap for
will be available to take advantage of this recycling capacity. From 2012 no more
stocks will be available, if not there will be an extreme collapse of global economic activity.
2008, the price of rhenium pellets kg in a balanced market, $ 12,000. 2009 was the total
demand for rhenium at about 50 t, because the airline industry, the repair business, but hesitated as strong as possible. The
excess supply caused the price of pellets Rhemium to 4,700 USD / kg fall.
From May 2010 to show the prices again rise.
market and consequences
• 2008: 1000 aircraft deliveries by Airbus and Boeing
• 1000 x 2 engines (acceptance twin-jet)
• 2000 x 8.5 kg = about 16,000 kilograms of rhenium
• 2008: 18800 aircraft in service / repair cycle every 6 years
2750 x 2 = 5500 engines each approx 5kg rhenium = 27,500 kg
• 2028: 2150 aircraft deliveries by Airbus and Boeing
• 4300 x 2 engines (acceptance twin-jet)
• 4300 x 7.0 kg = rhenium ca.30.000
kg • 2028: 35 600 aircraft in service / repair cycle every 6 years
5775 x 2 = 11 550 engines, each approx 4.3 kg = 50,000 kg rhenium
• Airbus and Boeing go from about 30,000 new jets in the period from 2008 to 2028, ie in
average, 1,500 aircraft produced each year.
• The U.S. military has is to F22 and F35 2035 3500 fighter jets and 534 tanker / transport in

• The budget for the military Rheniumbedarf
at about 3500 x 2 engines with about 13-16 kg Re = 100,000 kg Rhenium
534 x 2 Triebwerke mit ca. 8 kg Re = 8.500 kg Rhenium
Somit steiget sich der der Militärbedarf bis 2028 um ca. 4,5 t auf 9 - 10t Rhenium pro Jahr.

Microfiber And Static

ABOUT THE PLANTS con.fee real worth Police

INFORMATIONEN ZU DEN ANLAGEN
con.fee RealwertPolice
Diese Einschätzungen beruhen auf den Erfahrungen aus der Vergangenheit sowie den Angaben der Fondsgesellschaften
und kann jederzeit geändert werden. Die Quantum Leben AG übernimmt für die Richtigkeit keine Haftung.
iShares DJ STOXX Small 200 Mid/Small Caps
(ISIN: DE000A0D8QZ7)
Primäres Ziel des iShares DJ STOXX Small 200 (DE) ist die
Erzielung einer Wertentwicklung, die der Wertentwicklung
dieses Marktsegments in Europa, gemessen an dem
zugehörigen Auswahlindex Dow Jones STOXXSM 200
Small der STOXX Limited, entspricht. Hierzu wird eine
möglichst exakte Nachbildung des Dow Jones STOXXSM
200 Small (Preisindex) angestrebt. Der Index Dow Jones
STOXX Small 200 ist ein nach der Marktkapitalisierung
der enthaltenen Unternehmen gewichtender Index. Der
Index enthält die 200 Unternehmen (so genannte Small
Caps), welche auf die 400 größten Unternehmen aus 17
europäischen Ländern folgen. Ein Fondsanteil entspricht
ungefähr einem Zehntel des zu Grunde liegenden Indexstands
in Euro. Dem Anleger soll durch diesen börsengehandelten
Indexfonds die Möglichkeit eröffnet werden, to benefit
across national borders from a strong European
market, based on the views expressed in the index
small-cap companies.
iShares FTSE EPRA / NAREIT Global Dividend
Yield Fund (ISIN: DE000A0LGQL5) iShares FTSE
EPRA/NAREIT1 Global Property Yield Fund invests globally in
property companies and Real Estate
Investment Trusts (REITs). This allows the
diversify fund consisting of stocks and bonds portfolio
wider. The REITs in the iShares FTSE
EPRA / NAREIT Global Property Yield Fund must have a high proportion
distribute their profits. The shares of the Fund
have thus generally higher dividend
auf als Aktien anderer Branchen. Jedoch sind diese
Erträge nicht garantiert und können im Laufe der Zeit
schwanken. Der iShares FTSE EPRA/NAREIT1 Developed
Markets Property Yield Fund macht Investoren Aktien
mit einer hohen Dividendenrendite innerhalb des entwickelten
Universums des FTSE EPRA/NAREIT Developed
Index (ohne Griechenland) zugänglich. Der Index bildet
Aktien ab, für die mindestens eine Dividendenrendite
von zwei Prozent für das nächste Jahr prognostiziert
wird. Der Index ist nach Marktkapitalisierung gewichtet
und entspricht damit dem nach Free-Float Marktkapitalisierung
angepassten EPRA/NAREIT Developed Index.
XMTCH (LUX) ON MSCI EMERGING MARKETS
A (ISIN: LU0254097446)
The fund invests in equities and equity-related securities,
in the selected base index, are the MSCI Emerging
MarketsSM mentioned. Task Manager's
is the index as closely as possible.
As an Exchange Traded Fund (ETF), the Fund
the SWX Swiss Exchange and traded and can
banks or securities dealers during normal trading hours at market price
bought or sold
be. The MSCI Emerging Market Index is an equity index,
reflects the performance of stocks in the Emerging Markets
. It is used by the U.S.
Financial Services Morgan Stanley Capital International
als Kursindex berechnet.
COMSTAGE ETF MSCI USA SMALL CAP TRN I
(ISIN: LU0392496005)
Das Anlageziel des Teilfonds besteht darin, den Anlegern
einen Ertrag zukommen zu lassen, der an die Wertentwicklung
des MSCI Total Return Net USA Small Cap Index anknüpft.
Es kann keine Zusicherung dahingehend gegeben
werden, dass das Anlageziel eines Teilfonds tatsächlich
erreicht wird. Der Index ist ein nach der Streubesitz-
Marktkapitalisierung gewichteter Index, der die Kursentwicklung
der Aktien im Small Cap-Segment des Marktes in
den USA (Index-Anlageuniversum) auf Grundlage der Gesamtrendite
(Total Return) mit reinvestierten Nettodividenden
is intended to reflect. Reinvested in the index
net dividend to the respective gross dividends
fictitious less a withholding tax. News
here refers to the maximum withholding tax rate applicable to foreign-domiciled

institutional investors are exposed do not benefit from a double taxation agreement
.
COMSTAGE ETF MSCI NORTH AMERICA TRN I
(ISIN: LU0392494992)
is the investment objective of the Fund is to let the investors get a return
which follows the performance of the MSCI Total Return Net
North America Index.
There can be no assurance that
the investment objective of the Fund actually achieved. The index is a weighted
by free-float market capitalization
index abbilVersion the performance of stock markets
in North America based on total return
(Total Return) with net dividends reinvested
20,100,224 2 / 6 is the
should. The net dividends reinvested in the index
correspond to the respective gross dividends less
a notional withholding tax. News
find here the maximum withholding tax rate applicable to foreign-domiciled

institutional investors are exposed, not by a double tax treaty benefit

DB X-TRACKERS II - EONIA TOTAL RETURN INDEX ETF
(ISIN: LU0290358497)
The EONIA TOTAL RETURN INDEX ® forms a
daily rolled deposit at the EONIA rate (the euro overnight
Index Average). It is an established by the European Central Bank

effective overnight rate computed as a weighted average of all overnight unsecured lending
in the interbank market
. The EONIA is next to the Euribor
one of two benchmarks for the money and capital markets
in the euro zone. The index is calculated daily by the
Deutsche Bank and published. The deposit earns interest
(reinvested) daily, and the compounding
is based on a 360-day year. The EONIASatz
basiert auf dem über Reuters abgerufenen europäischen
Schlusssatz. Der Index wurde am 31. Dezember
1998 mit einem Stand von 100 aufgelegt. Der Index wird
an allen Kalendertagen berechnet
DB X-TRACKERS MSCI PACIFIC EX JAPAN
TRN INDEX ETF (ISIN: LU0322252338)
Das Anlageziel des Teilfonds besteht darin, die Wertentwicklung
des Basiswerts, des MSCI AC ASIA ex JAPAN
TRN Index abzubilden. Der Teilfonds beabsichtigt keine
Dividendenausschüttungen. Der Index ist ein nach der
Streubesitz-Marktkapitalisierung gewichteter Index, der
die Wertentwicklung der entwickelten Aktienmärkte in
der Pazifik-Region, jedoch ohne Japan, auf Grundlage
der Gesamtrendite (Total Return) mit reinvestierten
Nettodividenden abbilden soll. Die in den Index reinvestierten
Nettodividenden entsprechen den jeweiligen
Bruttodividenden abzüglich einer fiktiven Quellensteuer.
Aktuell findet hierbei der maximale Quellensteuersatz
Anwendung, dem ausländische domizilierte institutionelle
Investoren ausgesetzt sind, die nicht von einem Doppelbesteuerungsabkommen
profitieren.
DB X-TRACKERS DAX ETF
(ISIN: LU0274211480)
Der von der Deutschen Börse AG geführte DAX® Index
bildet das deutsche Blue-Chip-Segment ab und umfasst
die größten und umsatzstärksten deutschen Unternehmen,
die an der Frankfurter Wertpapierbörse notiert
are. The 30 component issues have been admitted to
Prime Standard segment. The index can
was tied at its inception to the index of the "Börsen-Zeitung
to a longer history with the exception of the year offer in 1959
historical time series to
. Since 1987, the index as a performance index calculated

DB X-TRACKERS DJ EURO STOXX 50 ® ETF 1C
(ISIN: LU0380865021) is
The Dow Jones EURO STOXX 50 ® Index, STOXX Limited
the most widely used regional blue-
chip index in Europe. It includes the stocks of 50 industry-leading companies in the euro zone
(hereinafter
"Index Securities"). The Index Securities will be made
selected the index, in which the stock concentration of
individual euro countries Belgium, Germany, Finland,
France, Greece, Ireland, Italy, Luxembourg, the
Netherlands, Austria, Portugal and Spain combined
is. Since its inception by STOXX Limited, Zurich
, 28 February 1998, developed the index to a
the leading market indicator for the euro zone.
The index was at 31 December 1991
a base value of 1,000.
DB X-TRACKERS MSCI AC ASIA EX JAPAN TRN INDEX ETF
(ISIN: LU0322252171)
is the investment objective of the Fund is to track the performance of
Basiswerts, des MSCI AC ASIA ex JAPAN TRN
Index Der Teilfonds beabsichtigt keine Dividendenausschüttungen.
Der Index wird von MORGAN STANLEY
CAPITAL INTERNATIONAL BARRA (“MSCI”) berechnet und
verwaltet. Der Index ist ein die Streubesitz-
Marktkapitalisierung berücksichtigender Index, der die
Wertentwicklung der Aktienmärkte der Industrie- und
Schwellenländer Asiens (mit Ausnahme von Japan) auf
Grundlage der Gesamtrendite (Total Return) mit reinvestierten
Dividenden abbilden soll. Im Mai 2008 setzte sich
der Index aus 653 Unternehmen mit hoher und mittlerer
Marktkapitalisierung aus folgenden Ländern zusammen:
China, Hongkong, Indien, Indonesia, Korea, Malaysia,
Pakistan, the Philippines, Singapore, Taiwan and Thailand.
Lyxor ETF Commodities CRB A
(ISIN: FR0010270033)
is the aim of the fund in his commitment
in the commodity markets on an international basis and
it simulate the development of the index Reuters / Jefferies CRB
and at the same time, the standard deviation
of returns ( tracking error) between the performance of mutual funds and
of the index kept as low as possible
. The Reuters / Jefferies CRB Total Return Index
is considered the benchmark for the commodities sector.
It covers the entire commodity universe and sets
from various raw materials together - from A to Z
aluminum as sugar. Appears to be Brennund
fuel, food and beverages, metals IndustriemeVersion
20100224 3 / 6
, grain, precious metals, livestock and natural gas. The CRBIndex
is one of the oldest and best-known commodity indexes
the world. He was a private investor for a long time largely
closed. The Lyxor ETF Commodities CRB
Lyxor Asset Management is the first
provider on the German market, investors gain access to this
commodity index in the form of a fund
.
SafePort PHYSICAL GOLD 95 +
(ISIN: LI0103770082)

Investment Objective The investment objective of the safe port PHYSICAL GOLD 95+ FUND
besteht darin, langfristig einen substantiellen realen
Wertzuwachs zu erwirtschaften. Dazu investiert der
Fonds in physisches Gold. Im Weiteren setzt sich der
Fonds das Ziel, das Fondsvermögen gegen Wertverluste
nach starken Preiserhöhungen zu schützen, ohne dass
die physischen Bestände angetastet werden. Dieses
Anlagekonzept ist geeignet, die mit der Geldentwertung
verbundenen Kaufkraftverluste zu vermeiden.
Anlagestrategie
Der Fonds kauft, lagert und hält mindestens 95 % des
Fondsvermögens in physischem Gold. Bei der Erwartung
von Preisrückgängen nach starken Preissteigerungen
werden kurzfristige Wertabsicherungsmaßnahmen eingesetzt.
Anlagepolitik
Der Goldeinkauf erfolgt bei führenden Schmelzen und
Banken zu Konditionen, wie sie von industriellen Großabnehmern
in Anspruch genommen werden. Das Gold
wird in hochgesicherter Einzelverwahrung mit „full
risk“-Versicherung als Sondervermögen gelagert.
Kurzfristige Wertabsicherungsmaßnahmen
Der Goldmarkt ist immer wieder hohen Preisschwankungen
ausgesetzt. Das physische Metall wird jedoch aus
grundsätzlichen Überlegungen immer im Fonds gehalten
und nie veräußert. Der Fonds verzichtet im Sinne einer
konservativen Anlagestrategie auf kurzfristige
Tradingaktivitäten, die auf steigende Metallpreise ausgerichtet
and is limited to the occasional
protection of assets in anticipation of price declines
after strong price rises.
Note: If you buy the fund
is a sales charge (premium) charged
of 1.2% of the purchased assets.
SafePort PHYSICAL SILVER 95 +
(ISIN: LI0103770090)

Investment Objective The investment objective of the safe port PHYSICAL SILVER 95 + FUND
is a substantial long-term real
to generate added value. To this end, the Fund invested in physical silver
. In addition, the Fund shall be the
goal, the fund's assets against losses after strong price rises
protect, without the stocks of physical
be touched. This system concept is
suitable to avoid the inflation related purchasing power losses
.
Investment Strategy The Fund
buys, stores and maintains at least 95% of its assets in physical silver
. In anticipation of price declines
after strong price rises
be used short-term value of hedging arrangements.
investment policy
The silver purchasing is carried out by melting and
leading banks on terms as they are used by large industrial customers
to complete. The metal stocks
in highly secure storage with single
„full risk“-Versicherung als Sondervermögen gelagert.
Kurzfristige Wertabsicherungsmaßnahmen
Der Silbermarkt ist immer wieder hohen Preisschwankungen
ausgesetzt. Das physische Metall wird jedoch aus
grundsätzlichen Überlegungen immer im Fonds gehalten
und nie veräußert. Der Fonds verzichtet im Sinne einer
konservativen Anlagestrategie auf kurzfristige
Tradingaktivitäten, die auf steigende Metallpreise ausgerichtet
sind und beschränkt sich auf die gelegentliche
Absicherung der Vermögenswerte bei der Erwartung von
Preisrückgängen nach starken Preissteigerungen.
Hinweis:
Beim Kauf des Fonds wird ein Ausgabeaufschlag (AGIO) charged in
of 1.2% of the purchased assets.
SafePort STRATEGIC METALS & ENERGY FUND
(ISIN: LI103770108)

Investment Objective The investment objective of the safe port STRATEGIC METALS & ENERGY FUND
is a substantial long-term real
to generate added value. The fund invests in
strategic metals such as rhenium, tantalum, molybdenum, silver
, etc. in physical form, in shares and other financial instruments
, where energy commodities such as oil, gas
, etc. is based, and in Shares and participations
of companies that deal with the promotion and
further use or processing of the aforementioned
version 20100224 4 / 6
raw materials and the sector of renewable energy as

eg solar energy, wind energy, etc. deal.

investment strategy by investing in strategic metals in physical form
in energy resources and in holdings of
companies that deal with the promotion and re-use or processing of the aforementioned raw materials

. Due to the high price volatility
in the investment sectors is considered a short-term value of the Fund
security measures
and forward purchase transactions.
investment policy
Strategic metals and energy commodities are raw materials,
with the exception of solar and wind energy experienced a growing shortage
whose
demand in the global economy but at the same time increases continuously
. The fund aims for each
sector, in which he invested to call in special asset managers
or relevant bodies, in which designated
and neutral experts operate. Short-term value of hedging arrangements

prices of strategic metals and energy commodities
marked by numerous fluctuations and
tight market conditions. It is therefore
often difficult or even impossible to buy the asset value in the short term
in larger amounts or sell
. That is why the fund value hedging instruments
one to cushion the impact of price fluctuations
the fund's assets or to the
value of fund shares. In an analogous manner
is reinforced by declines by purchases of metals on
date for recovery. In this context, the Fund shall
on a very tight risk control.
Note: If you buy the fund
is a sales charge (premium) charged
of 1.2% of the purchased assets.
SafePort GOLD & AGRICULTURE FUND
(ISIN: LI0103770116)
(NOTE: The drawing of this fund is expected to
available from 07/2010)
investment objective
The aim of the safe port
Gold & Agriculture Fund is a substantial long-term real
to generate added value.

investment policy by investing around half of its assets in physical gold and world
Agrikulturprojekte.
latter includes investment in operating companies,
whose purpose is to purchase or lease of land is
to wood or agricultural products
(such as cocoa and bamboo, etc.) to grow or process
. In addition, the Fund may invest in agricultural commodities
of all kinds. In special business
situations (eg, acquisition of a larger
agricultural project higher redemptions,
large capital inflows into the fund, etc.), the gold content
dominate or be very small. The above
division distributes the investment risk in two different
investment themes, both based on a sound and sustainable
real value-based. From this
distribution is generally only made if at
Agrikulturprojekten specific commercial interests to create
deviance or when large
redemption requests require short-term liquidity. The
Asset Manager is free in the time of the execution
allocation, given that the structural aspects of the shift
Gold-oriented agricultural sector in the region and vice versa
be considered. The investments consist of
Agrikulturanlagen from operating companies,
to which the Fund is involved or which are the Fund's 100% owned
. In addition, the Fund shall be
the aim of protecting the assets against losses after strong
price increases, without the stocks of physical
be touched. Derivative financial instruments
can actively be used for hedging purposes.
In anticipation of price declines, short-term value
protection measures such as futures,
be used. For the efficient management
can use the management company for investment and hedging purposes
derivative financial instruments,
insofar as this is not mentioned in the Prospectus of
investment rules waived. Derivative financial instruments
are not used for speculative purposes.
Note
is the purchase of the Fund charged a sales charge (AGIO) in
of 1.2% of the purchased assets.
SafePort GOLD & SILVER MINING
FUND (ISIN: LI0020325713)

Investment Objective The investment objective of the Safe Port Gold & Silver Mining Fund
is a substantial long-term real
to generate added value.
version 20100224 5 / 6
Investment Policy The Fund invests
globally in equities and equity
of companies dedicated to the search, recovery
and / or processing of precious metals. In particular
are the mining companies, gold and silver
explore and promote. Also can be assessed, even in
other mutual funds that pursue a similar investment policy
. Derivative financial instruments
can be used to actively hedging and investment purposes
. Well diversified
is sought. The assets of the fund is invested according
the principle of risk diversification in securities and other investments
.
to efficiently manage the Fund may find Direct investments in derivative financial instruments for hedging
both use and for investment purposes
unless it from those listed in the prospectus
investment rules will be waived
.
Note: If you buy the fund
is a sales charge (premium) charged
of 1.2% of the purchased assets.
SafePort SILVER MINING FUNDS
(ISIN: LI0026391222)

Investment Objective The investment objective of the Safe Port Silver Mining Fund is
therein, long term, to generate a substantial real appreciation
.
investment policy
The fund invests globally in equities and equity
of companies for the search, recovery
und/oder Verarbeitung von Edelmetallen widmen. Insbesondere
sind dies Minengesellschaften, die Silber fördern
und explorieren. Zudem kann auch in andere Anlagefonds,
die eine ähnliche Anlagepolitik verfolgen, veranlagt
werden. Derivative Finanzinstrumente können aktiv
zu Absicherungs- und Anlagezwecken eingesetzt werden.
Eine angemessene Diversifikation wird angestrebt. Das
Vermögen des Fonds wird nach dem Grundsatz der Risikostreuung
in Wertpapiere und andere Anlagen investiert.
Zur effizienten Verwaltung kann der Fonds neben
Direktanlagen derivative Finanzinstrumente sowohl zu
Absicherungs- als auch zu Anlagezwecken einsetzen,
soweit dadurch nicht von den im Prospekt
listed investment rules will be waived.
Note: If you buy the fund
is a sales charge (premium) charged
of 1.2% of the purchased assets.
MPC PRIME BASKETBALL
(ISIN: LI0033472098)
fund structure has
The Fund, the structure of an umbrella fund which invests
according to the established investment policy. The assets of the Fund
be managed by the management company
in the interest of and on behalf of the investor
. The fund is capital growth.
The calculation of net asset value of the Fund shall
the aid of an assessment tool, based on a
discounted cash flow model, or in relation
on private equity fund based on the reported NAV of the fund.

investment policy by investing in shares closed (legal form
German GmbH & Co. KG) and asset classes in order to build a broadly diversified portfolio of different

. This can be, for example, ship investments,
real estate funds, aircraft investments, agriculture and commodity funds,
Energy Fund (renewable and conventional),
infrastructure funds, sale and leaseback structures in other
asset classes (eg, railways, etc.).
Possible asset classes in detail
real estate holdings
acquisition of German real estate funds closed, their
Purpose in the acquisition of real property is (worldwide
as Holland, England, Germany, India).
ship investments
acquisition of compact German shipping investment fund, whose purpose is to acquire
ship investments
there.
aircraft holdings
acquisition of German aircraft closed investment fund, whose purpose is to
acquisition of aircraft investments
there.
energy projects
acquisition of closed-German "energy fund", whose purpose is to
acquisition of classical (oil & gas, power plants
etc.) and renewable energy projects (wind, solar
, water, biomass, biogas, geothermal, etc.) exists.
Sale Leaseback structures in other asset classes
acquisition of closed German funds, the sale and leaseback
finance transactions (eg railways
etc.).

Infrastructure Fund closed the acquisition of Germany's infrastructure fund,
whose purpose is to acquire and in the realization of Agrarund
is natural resource projects. offer
version 20100224 6 / 6
payment in cash or share units, cover physical product
To give you enough flexibility, provides the policy that if you exercise the capital franchise or
the payment of the surrender value after termination instead of a cash benefit, the transfer your share units
der Anlageportfolios verlangen können, soweit es sich dabei um Anteile an in Deutschland zum öffentlichen
Vertrieb berechtigte Investmentvermögen handelt. Sind die Fonds nicht zum öffentlichen Vertrieb in Deutschland zugelassen,
können die Anteile nur innerhalb der Länder übertragen werden an denen eine Zulassung vorhanden ist.
Darüber hinaus besteht die Möglichkeit, dass die physische Ware, in die investiert wurde, zur Aushändigung
kommt.
Ablauf für den Prozess der physischen Sachauslieferung Edelmetalle
(Stand 02/2010, gemäss schriftlicher Zusage der Perfect Management Services AG vom 22.02.2010)
• Die Quantum Leben AG kündigt Fondsanteile a fund in which physical gold delivery is possible
and requires the physical delivery of gold.
• This is possible with all SafePort funds with physical gold holdings.
• The Quantum Life Ltd. is the personal and financial demands of the beneficiary to
and commissions and the CAIAC Fund Management AG authorized in Bend, the Cash Value "
as far as possible in physical gold (usually in denominations of gold bullion coins
to 1 ounce) to be delivered. The balance will be paid out of the eligible person in cash.
• The delivery or cash payment of the balance found in Banque Pasche AG in Vaduz on presentation of a power relation
claim of Quantum Life Ltd. and proof of identity, which may include a power of attorney
template instead.
• The Custodian of the safe port funds, Banque Pasche in Vaduz, where the physical gold is at the mercy of Quantum
Life Ltd designated beneficiary requires the special handling
a normal bank commission of 0.1% of the delivery value, at least Euro 100 - -.
This is the usual number of agent fee of 0.2%, which appears prospectus law.
Important Notice (Disclaimer):
The above process description is based on a written commitment from the Perfect Management Services AG
(Asset management company) as of 22.02.2010.
guarantee the delivery of physical goods and the associated exact sequence as described above
can not enter the Quantum Leben AG. The Quantum Life Ltd can accept no transport, no storage or delivery
and with no costs in this context.

Should I Go To A Private Or Public School?

agent information to con.fee real value-fee policy

agent information to con.fee real value-fee policy
What costs incurred in the policy? The real value
con.fee AG-fee policy of Quantum Life is a unit-linked pension insurance with a lump-sum option. It contains no external acquisition costs as commis-sions and any related costs. Usually in life and pension insurance acquisition costs of EUR 6 to 7 percent of total premiums calculated one. The
con.fee in the real value Honorary Police reported acquisition costs of concern including internal costs for making the policy and the establishment of contract management. This cost includes Quantum Life from transparent. The one-time set-up costs of the policy amount to a percentage of total at least EUR 200.00 EUR 2,500.00 highest. The recurrent costs of the policy copy is EUR 200,00. These costs are charged to the contract for five years distributed. The annual recurrent management costs EUR 50.00 plus 0.075 percent of the credit policy.
What costs are the benefits of policy?
By eliminating the external acquisition costs will increase the flow rate depending on the contract at height-to tens of thousands of euros. In addition to the acquisition costs, the return of life and pension insurance is mainly determined by the amount of the investment costs be influenced. In the conventionally prepared sample calculations, these costs are not taken into account. Rather, it is assumed that the assumed rate of return of 6 percent, for example, after deduction of these costs is achieved. To achieve this yield effective, must usually be earned in addition one or two percentage points. More important is to offer customers the very low investment costs der con.fee Real-wertPolice hinzuweisen:
• Kauf der Anteile des MPC Prime Basket ohne Ausgabeaufschlag (bis zu 5 Prozent). Der MPC Prime Basket erwirbt darüber hinaus die Anteile an den Sachwertbeteili-gungen ohne Agio und innere Abschlusskosten (bis zu 7 Prozent) .
• Bezug von physischen Edel- und strategischen Metallen zum Großabnehmerpreis (Interbankenkurs) mit einem Preisvorteil von 6 bis 8 Prozent gegenüber dem priva-ten Kauf
• Preisvorteil von bis zu 30 Prozent im Vergleich zum Kauf und Verkauf von Samm-ler-Goldmünzen
• Keine Depotgebühr für die Lagerung physischer Metalle (in den Fondsgebühren in-begriffen)
• Keine Mehrwertsteuer beim Kauf von Silber, Rhenium and other metals, owing to adequate organizational structures
• reducing the administrative costs of ETFs compared to active funds to at least one percent of the investment volume per month
As the procurement of the policy is paid?
The procurement of the policy is carried exclusively by the business partner of con.fee AG and on a fee basis. This requires a fee agreement between consultant and proposers LER. But the policy holder benefits from a tariff which is significantly higher than the insurance benefits that are completed at the normal rate. What fees should
con.fee?
consultants and applicants is in the definition of the fee-free. In determining the Fee is taken into account that the selected plants assessed continuously, if necessary transfers between the recommended disposal plant species and at Quantum Fund and, where appropriate life changes in order to be. In addition to consulting and placement, the customer will be offered this continuous care and are paid in a reasonable manner. It can therefore both a fee for arranging the policy as well as ongoing support in the approach taken-who. The fee agreement must be in writing.
What fee amount is appropriate? is
Depending on whether an additional service fee is agreed at a consultation-average effort a one-time placement fee of 3 to 6 percent of total premiums justified, payable when the contract.
Advisors can alternatively be agreed with the policy holders that the fee is divided between two or three annual installments. In this case we recommend a rate increase of 10 or 15 percent. The first installment is on contract to pay the second installment of 12 months after signing the contract, the third rate 24 months after signing the contract.
The consultant has one, by the Supreme Court found no legal claim to the charge attendant console, regardless of the existence of the concerned insurance company. Depending on the level of the exchange fee for the ongoing support of an annual performance fee-Betreuungsho appropriately from 0.5% to 1.0% of average annual fund balance.
is to create an invoice and there is sales tax liability?
The agent should prepare an invoice for fees. The exemption from VAT according to § 4 No. 11 UStG subject to sales from the activities of others as an insurance broker. Ge-mastering the subject matter of the exemption are intended for services that are typical job. Prerequisite for the tax free benefits from the activity as an insurance broker, therefore, that the service provided is of those who shape the profession. The occupational profile of the agent is marked by the placement of insurance contracts. Thus, remuneration for the procurement of insurance provided by the sales-tax-exempt, even if they are paid as a finder's fee by the customer.
there because of the flat tax reporting obligations? Since Quantum
life, a foreign company without a branch in Germany may not be required to deduct withholding tax must, domestic insurance brokers to the German Federal Central Tax Office by 30 March of the following-year report back when the conclusion of a life insurance contract-mediated have (§ 45d para 3 ITA). The initial notification must be up to 30.03.2011 successes conditions (§ 52a para 16 set 9 Income Tax Act) and includes name, date of birth, address and Steueriden tifikationsnummer- the policyholder, also the contract number, sum insured and term, and further information on the Treaty.
affected by this requirement includes insurance within the meaning of § 20 para 1 No. 6 of the Income Tax Act. These are life insurance policies and annuity contracts with capital right to vote. Accordingly, subject to statements of con.fee real value-fee policy as Basisren-statutory pension insurance (Rürup pension) not subject to notification

The Suburban Dynaline 3

rhenium as an investment

rhenium as an investment
rhenium from extreme shortage
Optimal Purchase Timing
Perfect Management Services AG, FL 9495 Triesen is a specialized asset management company, which deals with tangible assets that are diminishing drastically and for which therefore a high price increase is expected.
About three years ago we turned to several metallurgical experts with years of experience working in research and industry in the field of high-quality metal alloys. We asked these experts, the question of the global metals have seen very small reserves, which metals are experienced by rising industrial demand, the greatest shortage, which metals the same time have the least substitutable with other metals, metals in which it was difficult to increase the supply and metals which have a sufficient market capacity bzw.Handelbarkeit.
of such metals, we expected a unique Investmentgelegenheit.
Die Experten waren sich einer Meinung. Sie bezeichneten unabhängig voneinander das
Metall Rhenium als die herausragendste Investmentgelegenheit.
Nach intensiven Vorabklärungen entschloss sich Perfect Management Services AG einen
Investmentfonds zu gründen, der sich mit der Kapitalanlage in strategische Metalle befasst,vornehmlich aber in das Metall Rhenium investiert. So wurde der
SafePort Strategic Metals & Energy Fund (www.safeport-funds.com)
am 1. Oktober 2009 im angesehenen Fondsverwaltungsdomizil Liechtenstein gegründet und in Betrieb genommen. Nebst der Kapitalanlage in strategische Metalle kann der Fonds Investitionen im Energiebereich vornehmen. Investitionen im Energiebereich but are targeted to only a very small scale and only when a special, extremely attractive investment opportunity should offer in this sector. The major focus of investment of the Safe Port Strategic Metals & Energy Fund is on Rhenium.Das rhenium AngebotDie theoretical existence of rhenium was "predicted" as early as 1871, but
was only in 1925 demonstrated that metal in nature for the first time in bound form and extracted pure rhenium from molybdenum ore in 1928. The promotion of rhenium for industrial purposes began only in 1950.
rhenium is the rarest non-radioactive metal in the continental crust. is other than a single small reference Rhenium metal is not pure in form, but the ores containing rhenium in the form of chemical compounds. Today, the annual production of rhenium is about 45 tons. It is mainly found in molybdenum ore and copper ore in a few as a minor component, with the proportion of rhenium is typically only 0.1 to 0.2% in the ore. The promotion of rhenium can therefore not be increased directly, because it was obtained in the few mines where rhenium is present only as a minor byproduct. To understand the extreme rarity of rhenium example, it is interesting to compare the annual
flow of gold and rhenium from each other: registered for gold is a worldwide annual production of 2100 tons, with rhenium reached the annual production is only about 45 tons. The rhenium-demand
by metallurgists is pointed out that rhenium very valuable chemical and
has physical properties that are required by the industry ultimately, however, be met by any other metal in a similar manner. Especially for metal applications with high temperatures in aircraft and power turbines, in the modern coal processing, Spezialkatalisatoren in conjunction with platinum and rhenium in Thermionic has an exclusive use of monopoly.
Another very important technological use of rhenium is that of
Rheniumdiborid, an extremely hard man-made crystalline solid, which was discovered first time in 1962. He is a mixture of two elements boron and rhenium and a special heat treatment. Its extreme hardness, however, could be proved only two years ago, 2007, by researchers at the University of California, have found that Rheniumdiborid has similar physical properties such as hardness which now man-made industrial diamonds. The chemical properties of Rheniumdiborid have but compared to industrial diamonds even substantial benefits. This material can be in a relatively simple technical procedure, and industrially produced significantly less expensive than industrial diamonds werden. Die Herstellung von Rheniumdiborid soll sogar dann noch preisgünstiger sein, wenn der Rheniumpreis sich um mehrere Hundert Prozente erhöhen sollte. Deshalb rechnen Fachleute nun damit, dass das neue Rheniumdiborid in
kurzer Zeit die in Schleifscheiben und in Werkzeugmaschinen eingesetzten
Industriediamanten ersetzen wird. Diese neue Anwendung dürfte für sich allein das ganze weltweite Rheniumangebot aufnehmen. Eine technologische Rückwärtsentwicklung zu Industriediamanten dürfte sich erst wieder einstellen, wenn der Rhenium-Preis so stark ansteigen würde, dass die Produktionskosten mittels Rheniumdiborid wieder teurer zu stehen käme.Rhenium hat kurzfristig einen Angebotsüberschuss, sehr bald aber einen drastischen Excess demand, the moment given the financial crisis has created an excess supply, which will turn but within a few months in an extreme excess demand and to take probably a runaway increase of rhenium wird.Die aircraft manufacturer Airbus Industries, Lockheed, and Boeing and other users (eg ABB) have accept sensitive withdrawals or reductions of orders must. These companies have reduced their purchases of rhenium in the short term, while the producers for the
it relatively unimportant by-product rhenium have continued with little thought given even to falling prices in the market. Therefore, the prices of rhenium from the previous price level fallen by about 60%. Point now but already a rising Tendenz.Das rhenium-investment model of the Safe Port Strategic Metals & Energy Fund, the above-mentioned metal experts see in most contemporary rhenium uses no replacement possible, by other metals, even if the price of rhenium should not rise so dramatically. If this assessment is correct, then the expected
Rheniumpreis multiply likely in the next 3 to 4 years, even if the economic sky will remain relatively grim. No one is capable of an absolutely safe prognosis abzugeben.Wir about the price of rhenium for the safe port Strategic Metals Energy Fund and remain even with rising prices of rhenium calm and composed on the buy side. If the Rheniumpreis under the given conditions, for example, ten times, then we could imagine gradually initiate a liquidation phase. Each investor has to sell itself but in
hand to his shares earlier and take profits. If an investor should be inclined to call itself the aforementioned price range as "crazy", then we do have some sympathy with such an assessment because such price movements occur only very rarely. We point out, however, that for example the price have taken place of copper and nickel such "crazy" price movements in the last five years, although it could be from these metals to extend production were relatively easy going, which will not be the case with
rhenium
The complex form
It was important to have a efficient network of relationships with suppliers and users of rhenium
build in order to use the Rheniummarkt for SafePort Strategic Metals & Energy Fund
optimally.
our knowledge of the safe port Metals & Strategic Energy Fund is the only opportunity in Europe to be able to securitized investments with ISIN number in rhenium. Ausgabeund redemption of fund shares are on a weekly basis instead, so that a very high level of investment flexibility.
The Fund holds all of the strategic metals in physical form in a fund's stock (segregated storage), so that availability is limited to the metals by anything. Private investors have three different investment options: Option 1

Direct subscription for shares and direct deposit to the fund account.
the investor receives from the fund management a purchase accounting and after a quarterly value status.
Variant 2
drawing on a bank that puts the customer the fund shares in a securities account with the bank concerned.
Variant 3
The investor can purchase a unit-linked life insurance components of the safe port
Strategic Metals & Energy Fund. This is of investment for taxable investors in Germany for tax reasons, particularly interesting.

How To Find Tdc On Hyundai

customer protection in Liechtenstein law

customer protection in case of insolvency
For the protection of policyholders is governed by the bankruptcy of an insurance company in Liechtenstein by law to treat that erstranging liabilities to customers who-the.

Bankruptcy Ordinance applies to Liechtenstein law, the investment oversight of the insurance policy as a special out-th power (Art.59a ISA and Article 45 of the Bankruptcy Code) and is therefore especially in the bankruptcy case the insurance secured. This means that creditors of the Quantum Life who are not policyholders in the event of a bankruptcy would have no claim on the assets of the insurance policies.
details on this topic please refer to our contract information (Item 4 Special provisions for the bankruptcy), under www.gesetze.li or may directed be-based insurance firm in the Liechtenstein:
government office (RK), Städtle 49, PO Box 684, grant
9490 Vaduz +423 236 60 35, Fax +423 236 / 65 97, Email info@rk.llv.li
Government control and supervision
For this protection, the law states that the regulatory authorities in reviewing must-sen, the insurance companies have put aside enough reserves for insurance policies, to fulfill their obligations. Quantum Life is subject to the Liechtenstein Financial Market Authority (FMA). This will ensure that insurance companies fulfill their obligations and meet its solvency.
more information on Financial Market Authority Liechtenstein, visit www.fma-li.li.
laws Excerpt 59a Versicherungsaufsichtsgesetz
A. Special provisions for the bankruptcy
Article 59a
settling insurance claims
1) The assets representing the technical provisions are in bankruptcy, a special mass Article 45 of the Bankruptcy Code to satisfy the insurance requirements. The Court shall arrange that the list of the special mass dedicated to values \u200b\u200bimmediately completed and the supervisor will be sent. The supervisory authority must establish the special mass for the date of the bankruptcy. Returns and income from the special mass dedicated assets and premiums for the companies included in the special mass insurance contracts received after the opening of bankruptcy proceedings fall into this special mass.
2), submitted under Section 1 must list the commencement of insolvency proceedings can not be changed amended. Technical corrections in the registered assets may make the Mass Ever-walter, with the approval of the bankruptcy court.
3) If the proceeds from the sale of assets less than their estimated value in the list submitted under paragraph 1, the liquidator must inform the bankruptcy court and the deviation to justify monitoring.
4) Where insurance claims from the special mass will not be satisfied in full, they belong to the bankruptcy claims of the first class (Article 48 of Bankruptcy Act).
5) are from the books of the insurance company detectable insurance claims as filed. The right of the creditor to file these claims remains unaffected. Filing of claims does not specify to include the ranking

What To Write In A Thank You Card For A Baptism

and the monkey with a bottle

In `one country, I do not know where
begins to wild monkeys so:
Sets` ne fruit in a bottle,
bottle glued to the ground and into
then accesses the monkey.
trap lurks in the branches.

monkey will draw out the fruit,
is too thick but his hand.
The fruit fly can not
only comes to the bottle rim.
fruit and thumb is: too large
But the monkey does not let go!

is suddenly the catcher because
because the animal was too greedy.
can now say the monkey smooth `:`
folks, I had no choice. Had
but would carry away the fruit-
All other `disastrous.

The moral of the story??
coercion and greed does not pay off.
But how hard is the waiver, if
`s even lacking in intelligence.
words have to hide, what fools gladly hide



And as was detected
dumbest policy in the Euro-Land:
"With no alternative," this =
credo of the elite are insane
last cry.
... and then they cross to death.



P neurological

the euro is in the bottle,
let him there and run away.
reality is at some point
sometimes in the most stupid at.
... and what the policy gives us,
shows us how to catch a monkey ... ..

(author unknown)

Scorpio Guys Disappear

Teuro and pensions - what does money

€ The crisis has long-term negative effects on many pension savers.

Free agents must act now
The dramatic battle for the European Monetary Union and the euro has long term consequences for
retirement in Germany. A rising price level leads to the devaluation of assets and increases the vulnerability of many German pension. The European Central Bank (ECB) has
the last taboo broken and will buy up in an emergency € junk bonds of distressed countries. The instrument bankers call "nuclear option" and means nothing more than to fire up the printing presses. Even the 750-billion-euro aid package of EU and the International
Monetary Fund, the highly indebted countries such as Greece, Portugal and Spain to protect against a national bankruptcy, a serious risk to the long-term price stability dar. the view of many economists to be the loss-free states just across the path of inflation from its huge debts. Meanwhile, inflation rates between five and ten percent are forecast. Intermediaries should not play with the fears of their pension clients but it is your duty to point out the consequences of the economic, financial and € crisis. As in the surf rock has so far proven to the insurance industry. The low interest rate environment makes it difficult for life insurers although increasingly attractive net interest Ingen their investments at the end erwirtschaften.Doch achieve returns of four to five percent the pension classic compared to other investments
more than respectable results. And in the face of rising inflation rates will inevitably rise, the capital market return again. Despite the security needs of many intermediaries, investors should not miss the opportunities to point of unit-linked policies. Because shares are ultimately an investment in property values and long-term offer the highest return on equity.
FOCUS-MONEY-insurance professional

My supplements-even if unit-linked policies, then policies with a real contribution values. For investments in highly indebted corporations, the same negative effects lead to. Loans are well known money. We recommend, for example real value policies. The conclusion is based on the consulting fee and thus is a secured her superior investment rate.

Levis Jeans Belt Loop

focus of consumer protection as we know him for years Nepper tractor .....

> procontra> consultants who live in glass house ...
who sit in glass houses ...
Category: Consultant by: Matthias Hundt
procontra tested together with the AFW Association financial services e. V.
the quality of consumer advice centers on the telephone. Astonishing result: The otherwise required by
like free financial service quality standards were not achieved
. A consultant was moving on the edge of a crime.
Finanzhai Ever since the video, the fronts between the commission and the consultants
hardened consumer centers. The Consumer Baden-Württemberg, in the
on its website and on YouTube to find the video clip of the Distributorship flat rate the interest on your own
Customer denied and accused them pure act of fee levels. In order to avoid such conflicts of interest that do not pass an independent (fee) advice. Thus the consumer centers also strongly campaigned for their own fee-based advisory services. This is available among others with questions about retirement and insurance. procontra AfW and it took some claim to be able to determine what added value does the phone advice to the consumer centers. Served as a model client, the profile of a student who expects soon
€ 10,000 from a maturing life insurance. The corresponding insurance industry had already contacted him several times, um die weitere Verwendung des Betrags zu besprechen. Vor einem solchen Termin wolle er jedoch unabhängigen Rat einholen, so die Legende. Mit der Frage, wie das Geld nun am sinnvollsten verwendet werden sollte, wandten wir uns an die einzelnen Verbraucherzentralen der Bundesländer. Die Beratung. In Nordrhein-Westfalen meldete sich ein Herr Schneider (Name durch die Redaktion geändert). Konfrontiert mit unserem Anliegen, wies er zunächst darauf hin, dass es verschiedene Produkte je nach persönlichem Bedarf gebe. Klar, und jeder freie Finanzdienstleister würde aus diesem Grund zunächst den persönlichen Hintergrund des Kunden ausleuchten. Doch Fragen bezüglich unseres Alters oder möglicher Pläne blieben ungestellt. Damit verstieß the consultant directly opposite the house checklist of NRW consumer. This overview provides information on the web, among other things about what makes a reputable consultant. In point 3 it says: The consultant considers the overall financial situation. That did not NRW consultant. Instead, Schneider delivered after two minutes of talk time with a savings account a solution to our problem
. According to point 2 and 5 of the NRW Checklist reputable consultants are primarily aims and any items in the foreground. The recommendation of a product should only be based on the goals and desires. Both were also in the further course of not requested. Then we explained Schneider, what would be expected in a meeting with the insurance company: "The company will try to sell you an insurance policy again. So that they earn the most money and the customer, conversely least. "This allegation was very reminiscent of the sweeping
Finanzhai videos. Schneider added: "An insurance company will be made as palatable as that you almost can not say no. Formed for the sale and offer that with which they earn the most money. "The bottom line remains for products with such cost structures, a yield of 0 percent. Norman Wirth, law and lawyer specializing in insurance law while AfW Board, said: "The reminded even in direct consultation to the unspeakable polemical Finanzhai video and shows the actual Unqualified the alleged consultant. Such argumentative
platitude can only crafty one language. That the life insurance, including a substantial part of corporate and private pension provision remained totally unmentioned. "
The possible offense. We gave Schneider, an indication that somewhere there are still a stock portfolio, and raised the question whether shares would not be a more attractive alternative. "This is then connected with risk," it said at first. Of which this is dependent, remained unclear. Much more Schneider swung again the cost of the thighs. ". The company, the management of shares in a fund can pay as much as is left for you as a customer almost nothing" The mention of the costs may still have been appropriate, but with the following statement could Schneider have committed a crime:
"The best and cheapest option would be for you to imitate the company and themselves to buy a few defaults. Then you would have your own funds, "the clear recommendation was to buy individual stocks. Reminder: If our risk-taking would be suitable for this, whether we know in principle on how stocks (funds) system works and what the advantages and disadvantages of this wave, stopped before completely outside. "In our opinion, the rules of the MiFID
(FRUG) on consulting activities of consumer organizations of the countries apply. This is the case when the counseling activities requiring a license as investment advice under section 1, paragraph 1 a set of 2 No. 1a Banking Act (the Banking Act) and article 2, paragraph 3, No. 9 WpHG (Securities Trading Act) were to be considered. We consider as an association for the given. In particular, since the advice is free of charge and can be assumed that a
is cross-subsidization of other sectors of the consumer centers, is of a commercial and therefore subject to authorization likely activity, "said Wirth.

C&c Cages For Rabbits

Physical gold in the private safe in comparison to The Community of physical gold investment (fund principle)

first The Good Delivery status and counterfeiting problem
second More expensive to purchase third
High taxation inevitable
4th Value of hedging against currency fluctuations

The Good Delivery status and counterfeiting problem

In Hong Kong and Singapore have emerged in banks already
fake gold bars. It is believed that such forgeries were also discovered in Europe
, but this is a temporary hold on the cover!
How can you fake?
The metal tungsten has the same density as gold and is therefore cheap imitations
Golbarren verwendet.Es is thus the Possibility that
someone at a bank buys a good gold bullion, in these private exchanges
safe with a false parallel bars and the bank sold the fake
bars again.
consequence
it must be taken that banks take back no more bars, the
come from a private safe, but still accept bars at
where tight control is proved by a bank.
Otherwise (bars from private safety deposit box) available for sale must first be melted ingots
. This is very expensive for small orders and
takes a long time.

is more expensive to purchase

The private buyer when purchasing a small gold ingot a price disadvantage
(surcharge) of about 7% and the sale again at a disadvantage
(discount) of about 7% compared with a purchase and sale by the
SafePort 95 + Physical Gold Fund.
The SafePort Physical Gold Fund is invested in 95 + billets to 1 ounce of fine gold with
99.99% purity. These have a very liquid market and significantly smaller margins than
collector coins like Maple Leaf, Kruger
edge, Philharmonic, etc..

High taxation is inevitable
already spoken in the relevant bodies of the introduction of a special luxury tax
on gold.
How can such a future tax escape in a legal manner?
A mutual fund is tax free in Liechtenstein and an investor is subject to normal taxation
, which is payable on the sale of fund shares at maturity or
or reversal of a policy. Physical gold in the form of a
Fonda part or even better as part of a unit-linked policies in the future
thus offers significant tax advantages over regular
direct ownership of physical gold.

value of hedging against currency fluctuations

The gold price has very hectic movement of prices. As an institutional investor
can secure the safe port Physical Gold Fund, on the 95 + large and small
price declines. The goal besteht darin, dass man in einer Absicherungsperiode
mit minimalen Kosten preislich neutralisiert ist, also keinen Verlust riskiert.   Das physische Gold wird vom Fonds nicht veräussert und profitiert von jeder Aufwärtsbewegung. Bei einem Preisrückgang
kann der Fonds aber einen Absicherungsgewinn realisieren und mit diesem Gewinn wieder zusätzliches physisches Gold kaufen. Wir erwarten, dass ein Anleger mit Anteilen des SafePort Physical Gold 95+ Fund punkto Wertentwicklung wesentlich besser bedient ist, als wenn er privat einen Goldbarren
kauft und alle Preisbewegungen „runter und rauf mitmacht“.

Unilateral Orchiectomy Cost $ £

real values \u200b\u200bonly alternative to inflation

 Reale Werte in einer  Rentenversicherung a top product consulting fees

Highlights con.fee real worth Police
• Asset protection with physical gold, silver, real estate, ships and other property
• Invest in alternative asset classes from 100 € per month. and co-payments from 2 .500 €
• Optional life cover up to 100,000 €
• choice between lump-sum payment or pension
• pension guarantee period or capital protection option
• Flexible retirement 55-85 years
• Payment (in parts) in cash, units or physical Gold
• Good tradability (from 1 ounce) • Highest
guarantee pension (Focus Money 2008)
• Excluding net terms: 􀁺
No amount allowed for external commissions and closing costs (usually less than 7 percent)
􀁺 purchase of the shares of the MPC Prime Basket by quantum no-load (up to 5 percent). The MPC Prime Basket also purchases the shares in the property value and home equity without premium acquisition costs (up to 7 percent).
􀁺 purchase of physical precious and strategic metals to the wholesale price (interbank rate) with a savings of 6 to 8 percent compared to the private purchase
􀁺 price advantage of up to 30 percent on the purchase and sale of collector coins
􀁺 No custody fee storage physical metals (in the fund fees included)
􀁺 No VAT on the purchase of silver, rhenium and other metals, owing to adequate organizational structures
􀁺 reducing the administrative costs of ETFs compared to active funds to at least one percent of the investment volume per month
• Legal customer protection insolvency of the insurance company
• German insurance contract law