The free Advisor informs about dubious trends and products in the capital market of Seligenstadt September 2011. A new form of asset investment finds its way into everyday sales: the share loan. This variant of participation may be unknown to most small investors, has mainly rogue distributors of but increasing popularity. Good reasons: the share loan requires no prospectus according to the sales prospectus Decree. The free Advisor informs about this questionable product type. Again and again, reported various forms of involvement of free consultants and informs about the risks. More information is housed here: Viktor Mayer-Schönberger. Now the free consultant has all common variants analysed for its readers, including rights – seem, silent partnerships and also Kommanditbeteiligungen. Now comes with the so-called profit-participation loan”a new variant on the market.

Hardly an investor has ever heard this word, hardly anyone can explain what it is. Traditionally, provider looking for a Investment that is easy to sell. And that certainly applies to the share loan. The free Advisor knows the reason: providing a profit-participation loan requires not even a prospectus referred to in the sales prospectus Decree of the Bundesanstalt fur Finanzdienstleistungsaufsicht (BFin). This saves you effort, cost, and of course also the arduous task to meet the requirements of the State the provider. But what is now actually a partiarisches loan? The share loan is a normal principle”loan, rather than the usual either exclusively, or at least for the most part is granted a revenue share.

The lender is although not involved in the company, its revenue but nevertheless directly depend on company profits. Usually, the company admits a fixed interest rate on the artist in addition to the profit-sharing. In this way, he has the opportunity to achieve more than the usual loan interest, the Companies, however, is only obliged to pay a rate adapted to the company’s profit above the fixed rate of interest.

Bonn forest investment provider forest finance under first signatories / online support possible for. In particular in their creditworthiness to devalue the rating agency standard & poor’s announcement BBs (S & P) in December, Europe in General and Germany and France, sparked a justifiable outrage. More importantly however was that this announcement of pro-cyclical drove the crisis and devalued the euro. Previous raters – little sustainable, profit-driven and hostile to Europe: credit rating agencies are so far gewinnorientierte company that professional to assess the creditworthiness of companies and States. The world’s largest credit rating agencies of Moody’s, BBs and Fitch standard & poor sitting in the United States. Accused these agencies awarding some unrealistically good ratings long signaled a far too low risk market participants to have given false information and incentives to financial markets as a result. The result was the US housing bubble, the world banks and States enormous problems made.

A very positive assessment of the creditworthiness of the United States, which is seemingly detached from their high debt levels and strong of rising borrowing is also striking at US credit rating agencies. No Europe copy of U.S. rating agencies, but charitable and sustainable rating agency: The German Environment Foundation sets here on a clear counter program sustainability: it must be created a non-profit and based on criteria of sustainability rating agency in Europe, which is not neo-liberalism. This endeavor supported now, among others, Heiner Geissler, Heide Simonis and Ernst Ulrich von Weizsacker by several hundred people. Heiner Geissler,: “I support the creation of a non-profit, sustainable and European credit rating agency, because the ratings as we know them today, are neither sustainable nor fair or transparent. You have wrong standards which increase poverty, destroy the nature and the real economy as States ruin.