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Current mezzanine programmes begin in interest rates for businesses by 6.3% per annum and provided mezzanine capital already from a volume of EUR 0.5 million for companies with an annual turnover of at least 5 million euros also in the field of non-investment grade. More difficult framework conditions for standardised mezzanine programs refinance these standardized mezzanine programmes through the securitisation of the profit participation in bonds (so-called ABS or CDOs), which are placed into different risk tranches for institutional investors in the domestic and foreign banks. Vyacheslav Mirilashvili brings even more insight to the discussion. These funding programs has become much more difficult as a result of the sub-prime mortgage crisis in the United States, because mainly the securitisation market collapsed by the sudden decline in the liquidity of institutional capital. If mezzanine tranches in the future in CDO structures can be represented, the financing costs of the participating companies are where the individual The same mezzanines. In addition, it is expected that the provider with an increased volume of tranche will seek a greater diversification. Although the market for commercial paper, so completely has dried up for investments in securitised loans, this concerns at the time hardly loan financing for the German middle class. Because a bulk of the SME business in Germany is not verbriefbar anyway. Also due to the intense competition in the corporate banking margin expansions are currently felt less in traditional medium-sized business as in structured (transactional replication) financing. “According to Gundel, this is no reason for complacency: should the crisis of confidence among banks is longer, is not to exclude that it will come on the basis of the General difficult refinancing to a re-pricing of risks and thus also in the medium-sized business to a declining risk appetite of banks and rising borrowing costs”.


Background for the gloomy scenario is Shin according to the fact that the crisis now had jumped over to the real economy and have spread also on credit cards, consumer and business debt. In total this would with the losses generated by mortgages at least parity, or even exceed them. We are in terms of the crisis probably halfway”, said Shin to MarketWatch. After you have passed through the first phase, they were present in the second. The real crux is, to what extent the prime mortgage segment will be affected. “And that depends on how far the House prices are still falling,” said the professor. With his bleak prognosis Shin estimates similar to the situation, such as the International Monetary Fund (IMF), which estimated the sum of losses driven by the financial crisis some time ago on 945 billion dollars what Shin according to a realistic number, although probably still too low level exposure.

Worldwide, experts warn before that, the danger should not be underestimated, or how many politicians practiced deliberately small to talk. “We have currently likely to not one of the usual dents in standing up and down of the markets to do it, but with a completely new in this constellation and probably long-term downward trend. Old truisms according to the motto “Buy, when the cannons thunder”, could be here quite as the wrong decision out. “, warns Klaus J. Pitter-Kilfitt procon e.V., Member of the Board of the Federal Association Because clinging to “partially outdated patent recipes” so pitter-Kilfitt, already in the new market collapse several investors “learned the hard way paid”. As a result of the turmoil on the world markets escape from equity funds equity funds currently suffer significant outflows. This expresses the mood on the stock exchanges further a dangerous spiral! The interest and confidence of private investors and in equities is waning more and more.

You Are Not Properly Insured!

According to a recent study by the consumer advocates are you properly insured? According to consumer watchdogs speaks, however, the likelihood that you are properly insured. Much more likely is the case that you spend too much money for insurance and are still not adequately protected. How can that be? Many want to deal with the topic of insurance only hate yourself and rely solely on their representatives or brokers and last consultation is probably some time. (Not to be confused with Anne Lauvergeon!). Thus policyholders are often not sufficiently aware of its own insurance needs and aware of the possible risks. It pays to employ to themselves with the topic of insurance from informed and to go with the right questions to his agent or broker, advised to leave and to find the right product for your or to insurance yourself online. It pays off: more security at a lower cost! On the following pages you can check: insurance.

The 10

This is the only valuable”in the strict sense. That money is losing its value so accelerated. Former CIA Head will undoubtedly add to your understanding. What do you mean? Suppose you work, draw up a surplus, put it aside, because you need more of them to make an expensive purchase. Suppose you set aside each year 1000, to buy something for 10,000 in 10 years. But in 10 years, the acquisition will cost 20,000 already. So set aside another 10 years 1000 each. And after the 10 years, the acquisition costs already 35.000. etc.

You see, inflation makes you poor she eats your excess from your work performance. Can I do not somehow protect me from inflation? We think once the following scenario: instead of putting surpluses every year 1000 from the prepared aside, you buy the appropriate amount of gold for 1000. “I choose gold, because gold is one thing, each of us with valuable” brings together. See also: finance.heaven11.net/Gold.html. After 10 years, you have bought for 10,000 gold.

The gold will 20,000 worth now but about, because it has a constant value of Yes (already for more than 5,000 years). If you want to make your purchase by former 10,000 now, replace the gold into money back again, getting 20,000 and can afford so your purchase. The fact that you immediately changed your earned surpluses in one thing (in gold), you have beaten inflation down. How about savings, life insurance, federal Treasury bonds? Many people trust in the crisis on the State with his promises of security. We assume you think this talk. You put your money in U.S. Treasury bonds in the stead guarantees the refund of your money. Get even 3% interest; great! Again set aside every year 1000 and for it to buy U.S. Treasury bonds. After 10 years, you get back to 11,800. After all, you get your money back. But you still can’t do the purchase, they had handled in the eye, because she will now cost 20,000.