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The SME finance group offers various re finance alternative forms of financing. Bestwig with various re finance the SME finance group offers alternative forms of financing. Three new variants of factoring in life were called fit on the current needs of the middle class. SMART form factoring factoring, factoring POWER and MASTER as of now a suitable alternative to the old and familiar forms of financing. The supply of German SMEs can be with sufficient liquidity to be desired unfortunately at a variety of banks.

Therefore, core competence, the creation of fresh liquidity in the medium-sized companies is with us. Focus is the generation of independent liquidity, without bank guarantees “so Roger waste, Managing Director of SME finance group.” All three factoring – variations give the company more liquidity, by the immediate payment of up to 90 percent of the invoice amount within 24 hours, minus the Factoring fee. The remaining 10/20 per cent are withheld as directly paid off after invoices of the customer but security. Variants POWER factoring and MASTER, factoring is a silent procedure possible, so for selected customers the claim purchase is not obvious. A huge advantage over the competition is that the entrepreneur his customers could allow payment of up to 90 days by factoring. Especially in today’s times, longer payment terms are often crucial for procurement in the middle class. Other advantages of the new factoring variants are: rapid liquidity inflow up to 3 month sales no reimbursement of the pre-financing exclusion of the demand risk financing generally unsecured bank achieve high discount yields possible from 2.5 3.0 million turnover per annum often cost-neutral or with additional income target group for factoring any profitable company from an annual turnover of 500 thousand from almost all sectors of the economy and industries. Providers from a pool of 32 factoring banks are funding the SME finance group.

Here is our special strength. Due to the large pool of funding we can very favorable conditions, as well as special solutions for many industries represent.”says Roger waste, Managing Director of SME finance group. On behalf of their funding, the funding Group seeks middle class LTD increasingly more active Advisory specialists serving medium-sized companies with an annual turnover from EUR 500 thousand. Consultant looking to permanently increase liquidity and Cash Flow of your clients are here called”Roger means garbage, Managing Director of SME finance group. The financing group of medium-sized companies (FGM) is working since 1989 for SME financing in addition. Clients include especially companies with an annual turnover of 500 EUR – 120 million euros. The core competence is the creation of fresh liquidity in the medium-sized companies. Particularly in times of Basel II, the banking crisis, tighter credit – lending criteria, we see ourselves as your partner in the liquidity and Cash Flow Management. Focus is the generation of independent bank liquidity, without personal guarantees or collateral. Click best bars in new york to learn more. This liquidity provides medium to good ratings, dar without negative characteristics and positive business performance.

The success of a company is determined by innovation, investment and growth. Company funded with mezzanine capital as equity capital substitute invest more and grow faster than comparable companies in sales and profits. Companies have a better rating and therefore a higher overall funding capacity than comparable competitors with mezzanine capital in the average. The possibility of additional bank financing on reasonable terms is significantly improved when using mezzanine capital. Against the background of a leverage investment capital more and more companies opt for an increase of equity by means of a mezzanine financing”; so Dr. Werner. With the inclusion of profit-sharing certificates, silent equity or loan capital (subordinated bearer bonds) are mezzanine financing instruments available, which restrict the entrepreneurs despite the participation to third parties not in its entrepreneurial independence and freedom of action. The reader where can details Mezzanine capital to the Bank independent corporate finance entrepreneurs seminar”obtain (see).

The mezzanine financing instruments offer the best possibility of participation for companies of all sizes (for start up companies). As a mezzanine investors are not only mezzanine funds of banks and other institutional investors to consider, but also private investors. This becomes the initiator of an own offer of participation of medium-sized companies and gives you even the access to the private money market. Basically, companies in any form of equity on their own can go and raise. The capital market is reserved for not only the large and well-known listed companies, but is also the small and medium-sized companies available. The only requirements for the acquisition of mezzanine capital are equity initiative, a clever marketing strategy and a participation expose or a prospectus to inform the investors (see). in this way E.g.

the surface finishing company Impreglon AG from Luneburg and the Emsdettener Haustechnik company TECE GmbH & co. KG have to collect more than 8 million euros in the form of profit participation rights. But for investors, this plant form of mezzanine capital is interesting, because profits of more than 8% are not uncommon. Such a successful project for company and investor is the pleasure licence mission of the closed system equipment manufacturer ECO Schulte GmbH & co. KG from Menden. The medium-sized companies could pay a dividend by an average of 12% on the treat holder in recent years. “True to the Beteiligungs-themed capital against yield” the ECO Schulte profitably used for investment has flowed to capital GmbH & co. KG. As a pleasant side-effect of the improved balance sheet structure led to a positive credit rating. The company is now classified by the rating service AG in the investment grade.

was tested. Type, number and the issuing authority are to record or to make a copy of the card. The draughtsman is a natural person and joining not personally present (E.g. at a remote sales business), has carried out the identity verification based on a certified copy of a valid official identification document or through the post-ident method and at least the first deposit payment made directly from an account of the artist. -The Subscriber shall provide a declaration from also, that he is on his own account and provides the deposit from an account in his name.

This is not the case, at least the name and if necessary further identification of the beneficial owner must be identified and appropriate measures to verify. The Subscriber is a legal entity or a private company, beneficial owners are all shareholders who directly or indirectly hold more than 25% of the share capital or voting rights. Ownership and control structure of the artist must be linked to adequate resources in experience. Comprehensive recording, monitoring, and other duties which are collected and collected information about contractors, beneficial owners, business relationships and transactions to record. The business relationship must be continuously monitored and updated in particular the respective documents, data or information in an appropriate temporal distance. The debtor must make reasonable internal safeguards against money laundering and terrorist financing.

The development and update of internal principles, appropriate business – and customer-oriented security systems and controls and ensuring include, that the agents and their employees about the methods of money laundering and the financing of terrorism are taught according to the legal obligations (guidance, etc.). Finally the provider must be before the start of the collaboration with a broker whose reliability and during the cooperation by sampling the convince appropriateness and adequacy of the measures taken by the broker, attributed to the provider as their own. Penalties failure to be the identification requirements not met, no drawing may be carried out. The new identification obligation applies also for existing business relationships. This would basically stop, if and insofar as a subsequent identification does not occur or is not possible, the lawyer. The speedy implementation of the law is completely surprising for many providers. According to our estimates, at present few of the drawing documents in the sales meet the new statutory provisions. Who hurt the identification and record-keeping obligations, risked a fine of up to euro 100.000,-and the forced termination of the business relationship. For this reason, the providers are required to update not only their drawings, but also the internal procedures to the Compliance with the examination, together with experienced counsel as soon as possible to customize recording and monitoring obligations, so the lawyer. Press release: Gundel & Reddy Kadiri Rechtsanwaltsgesellschaft mbH contact person: Dr. Matthias Gundel Managing Director phone: 0551-44343 Web:

Dr. Werner financial services AG held its seminar on the subject of equity and mezzanine capital to the Bank independent SME financing on April 23, 2008 in Gottingen. The day event with an integrated workshop was again well attended. Commercial lawyer brokered at the seminar Dr. Horst S. Werner and lawyer Holger Bernd and the speakers from the partner companies, the advertising agency of beclever (www.becleverag.de) and the financial portal (www.emissionsmarktplatz.de), Kirsten Winkelbach and Nicolo Martin, the essential information to the Bank independent corporate finance.

Dr. Hear other arguments on the topic with Danny Meyer. Werner’s remarks as speaker of Dr. Werner network gave the participants an intense insight into the procurement markets and an overview of subsidiaries, mezzanine funds and foundations or effectiveness of investments and mezzanine capital. More topics starting at the current market situation, equity and the typical mezzanine financing to the bearer bonds have been described in detail by Dr. Werner presented. The practical raising of capital for businesses, the placing on the market and the sales took a wide room. Lawyer Holger Bernd informed the participants about the current case law in the field of prospectuses and the BFin procedure and the banking supervision during placement.

“The event was rounded off with the lectures by Mrs Kirsten Winkelbach, CEO of beclever Werbeagentur AG, on the topics production of the prospectus documents”, in particular the legal consequences incorrect graphical implementation, and Nicolo Martin, project manager emissions marketplace, on the subject of solutions in the field of marketing and financial communications “. The seminar dealt with legal and actual problems and challenges of independent corporate finance, was above all an exchange among the seminar participants in a seminar-integrated practitioners workshop. Target group of the seminar contractors, financial service providers and consultants were interested in independent financing, by Companies, as well as an exchange of experiences among themselves. Was so right”the event was described by participants and speakers as attractive. The seminar participants rated the seminar as exemplary. The individual presentations were excellent and presented practical with many examples”was only one of the consistently positive comments of the participants. In addition, interest in a continuation of the seminars was signaled by different pages by Dr. Werner financial services AG. The next seminar takes place in Gottingen, at the Clarion Hotel, on June 26, 2008, from 10:00 to 17:00. Entrepreneurs who are interested in further seminars, can contact in an email to Dr. Werner financial services AG or otherwise come in contact with. Other suggestions may be submitted to it. Nicolo Martin

Current results to the dental insurance in the Stiftung Warentest. In the current issue of the Stiftung Warentest, the dental insurance more closely scrutinized were taken. Almost every 2 years comes a new comparison of dental benefits by Stiftung Warentest. This shows that not only now for many statutory health insurance dental insurance plays a major role, is a clear trend to the supplementary insurance for teeth but also many institutions. What does a dental insurance? Because the statutory health insurance just when the tooth replacement cost makes more and more savings, only the way of additional protection to many there. Services, which take up to 100 percent of the cost of dentures, are offered here. New York Museums understands that this is vital information. However, caution is required here, because not all insurance keep what they promise.

It already very many of these insurance companies were checked and it turns out that not every actually takes over the services offered. Those who opt for such insurance should know that no dental insurance assumes the entire cost of dentures. This concerns above all the patients for a very expensive benefit falls on. Right from the beginning, who has a bad tooth condition, must reckon with a rejection of the inclusion in the insurance. The dental insurance calculation of contributions differ in two different variants. Some insurers set the post according to the age of the customers. Here the insurer may not terminate but the insurance and the insurance conditions specified are almost never changed. Gain insight and clarity with Bill de Blasio.

The next version, the contribution is raised with increasing age and even increases due to cost increases are possible here, and the insurer has the can the insurance company cancel within the first 3 years. The dental insurance offered by private insurance companies. Who buys such insurance on his health insurance, need to know that the Fund only as an intermediary between the customer and a private insurer occurs. Therefore a dental insurance is recommended comparison on the Internet or with the help of a broker. Benefit is worthwhile especially if the customer has to make very high equity stake in tooth replacement costs this insurance. The often offered tools for example for tooth-preserving measures are hardly beneficial, because these costs mostly by the statutory health insurance are paid. If a treatment has begun a dental insurance pays nothing if the contract is concluded then. For achievements in the field of Dental restorations, a dental insurance, however, is an optimal opportunity strongly to minimize its cost of equity.

Aid and private insurance rest enjoy officials or civil servants candidates in Germany numerous advantages. Among them is also the choice of health insurance, because officers and officer candidates can themselves decide whether they are legally or privately insure. An insurance obligation in any case since 2009. The disadvantage to the health insurance companies is, that the insurance premium depends on the income. Also, officials must bear fully the contributions. The private krankenversicherung.de insurance Portal reported about the benefits of a private insurance scheme for civil servants. Many writers such as Danny Meyer offer more in-depth analysis. Private health insurance for officials and civil servants candidates benefit is generally.

Unlike as in the statutory health insurance the amount of contributions does not depend on income. In addition receive private financial support in the form of so-called aid assured officers and officer candidates in case of illness. As a result, up to 80 percent of medical expenses can be covered. The amount of aid varies by State State, spouses and children (with entitlement to child benefit) will regard. Civil servants on lifetime, officer candidates, trainees and officials are entitled to state aid.

Also, judges and officials in retirement are entitled to aid. Aid for amounting to Beihilfeberechtige/r Beihilfeberechtige/r 50% with at least 2 children 70% 70% children spouse 80% because the aid covers the total cost of illness, should private rest cost insurance, which is usually the remaining portion. Officials on trial and officials benefit from powerful tariffs, but also for staff members and trainees, there are cheap deals. Supplement rates are offered for comprehensive protection. Among other things a hospital expense insurance and tariffs for care allowance, treatment costs, or dentures extra protection are advisable. A special travel health insurance is advisable for the holiday.

Why is building insurance it so important to? Which building insurance is right in the crisis? Many Germans wondering, because many Germans want to of course very much like to conclude the really best insurance which just kinda there. Still many people are simply the best and to choose the cheapest insurance nciht about. Other terms for buildings insurance, being as homeowners insurance, house insurance, construction insurance, and also client liability, of course, often quite simply other things are meant. Construction insurance are something else, don’t have a lot of the hat with a building insurance actually. What is there for building insurance in the Germany? In the Internet you can find really very many providers of these buildings insurance. For even more opinions, read materials from Francisco D’Agostino. You have to take not the cheapest buildings insurance and the cheapest fare, however it may be of course very much like to cheap. Many people forget that she have a for a home building insurance and for the apartment need a home insurance.

Of course, the implications, because many provider disappear from the market. In the Internet, since there are already building insurance for approx. 20 euro monthly, so very cheap. For luxury homes, it can be but also 100 euro per month or even more. More at building insurance-comparison /.