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Miscalculation liable consultants must

must adhere financial advisor if they sell securities with a calculated false return - even if the fault is not their own. The decided the Bundesgerichtshof (BGH) in a landmark decision (document number: III ZR 144/10). In the particular case in 1997 bought a couple for 75,000 Deutsche Mark (€ 38 300) shares in a closed-end funds and financed it through a bank loan.
had earlier said the financial adviser for the spouses, the expected return based on a model bill that was created by the fund provider. Depending on how much would the rent will rise, the value of the investment increase steadily by 3 to 4 percent, and promised the counselor.
The model calculation showed, however, a serious error. Because the fund provider went from an initial value from € 38 300. This, however, was only € 29 400, withheld since the rest for commissions, fees and other charges was. The applicants had therefore not yet reached an appreciation of 3 percent, even after ten years of their investment amount of 38 300 euros, credited before the Federal Court.
The consultant should have noticed the error in an approximate verification of the numbers of the scheme operator must, the court ruled. Therefore, the consultant responsible for the loss of spouses.
Source: www.dasinvestment.com
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gold prices climbed toward $ 1,500

gold is so expensive as never before: The price of the precious metal climbed from record to record.

Because of the uncertainty caused by the riots in Libya, the price of the precious metal climbed on Tuesday in New York to a record high of $ 1,434.93 per troy ounce. In the morning the gold price slipped a bit from 1430 U.S. dollars.
was in February, the gold price already increased by six percent.
was in the course of the gold and silver prices rise more expensive, the price of an ounce was today at $ 34.47. Silver is also more expensive than ever before.
And, ending the rally not in sight: In the opinion of analysts expected the continuing protests in the Arab world continue to unsettle investors initially, thus reinforcing the flight to relatively safe investments such as gold.
The experts of the Swiss UBS, it now means that the price könnnte in the wake of political unrest in North Africa and the Arab world very soon reach $ 1,500 an ounce.
2010 was the price of gold within a year increased by about 30 percent, this was the tenth year of the precious metal price gains in a row. So long after the other since at least 1920, it was no longer up.
Source: www.handelsblatt.com

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gold and silver now: Why wait better not too long

5 important reasons why it's worth it now, sooner rather than later physical gold and silver to buy.

An investment tip, not just undecided precious metals investors. Despite the current high prices for gold and silver are a few important reasons why you should prefer planned purchases of precious metal if necessary.

Why buy now gold and silver?
first Course development
The performance of precious metals is in inverse proportion to the purchasing power of our currency. Paper money is in endless supply. And like the central banks within the last 40 years have made good use. The amount of available gold and silver, however, is of course limited. Layer on as much as mining companies get every year from the earth. Unlike endless supply of paper, book or deposit money, the metal resources but go slowly running out.
short While our money is always worth less (inflation), prices for gold and silver since the abandonment of the gold standard and the introduction of cover-free allowance to rise continuously. It will remain so as long as strict no return (quantity) to the real economic development coupled with an appropriate monetary policy is monetary system. Therefore have gold and silver prices (regular rates) until then necessarily continue to rise.
second VAT
currently falls toward the purchase of investment gold (gold coins and gold bars with less than 900 parts per thousand gold content) VAT. 7 percent for silver coins must be broken. Silver bars are already subject to the full VAT rate of 19 percent. Under the proposed tax reform could change this result at the expense of precious metals investors. The purchase of gold and silver bullion products could be so much more expensive.
third Withholding tax
The buying and selling of physical gold (and silver) is not subject to withholding tax. That is, after a holding period of one year, profits from such Edelmetall-Verkäufen steuerfrei. Auch hier ist eine Gesetzesänderung früher oder später nicht ausgeschlossen.
4. Geldwäschegesetz
Derzeit kann man physische Edelmetalle bis zu einem Rechnungswert von 15.000 Euro kaufen, ohne dass persönliche Daten dauerhaft gespeichert werden („Geldwäschegesetz“). Zahlreichen Anlegern ist es wichtig, Gold und Silber anonym kaufen zu können. Sollte nun der Gold- und Silberpreis im Zuge stark anziehender Inflationsraten ebenfalls deutlich steigen, dann ist zu bezweifeln, dass diese Wert-Grenze im gleichen Maße mit angehoben wird. Zumindest kurzzeitig wird man gegebenenfalls schon für kleine Edelmetallmengen registriert.
5. Lieferengpässe
Since the last shortage of supply of gold and silver investment products, it is clear that in Germany only takes a few days, until the precious metal dealers are purchased as part of a demand jump empty. By the end of 2008 there were not many investment products available for weeks. In May 2010 there was again a significant shortage of gold and silver. Read the Gold Reporter interview with the manufacturer Heraeus of 3 May 2010 ("In theory is not a bottleneck again ruled out") and the product of 7 May 2010 to the supply problems with coin Austria. Ergo: If all the gold and silver suddenly do no more material will be available.
Conclusion / Note
Sooner gold and silver now, than later. Because "later" it is probably much more expensive or even impossible to buy precious metals. Important: Never buy precious metals on credit. For the benefit of the precious metal property located precisely in the independence of the investment of other assets and the financial system in general. And: As in any market must be able to sit out even for gold and silver phases of price declines, in which they appropriate "book losses" suffered. It is important to keep the big picture in mind. We are concerned here long-term one and only is for the protection of assets!
Source: www.goldreporter.de

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Goldreporter.de to gold buying

following important information we would like to share with you and publish the latest news from Goldreporter.de here in the original.

Dear readers, we want to provide
as a newsletter subscriber today in advance with a major special.

We believe that now - if you have a choice - sooner rather than later to buy gold and silver. In other words, it is advisable to bring forward planned purchases of precious metals.

given our arguments: first
Course development
The performance of precious metals is in inverse proportion to the purchasing power of our currency. Paper money is in endless supply. And like the central banks within the last 40 years have made good use. The amount of available gold and silver, however, is of course limited. Layer on as much as mining companies get every year from the earth. Unlike endless supply of paper, book or deposit money, the metal resources but go slowly running out.
short: While our money is becoming worth less (inflation), prices for gold and silver since the abandonment of the gold standard and the introduction of cover-free allowance to rise continuously. It will remain so until a return to a more strictly to the real economy Coupled development money (quantity) is policy with an appropriate monetary system. Therefore have gold and silver prices (regular rates) until then inevitably attract further.

second VAT
currently falls toward the purchase of investment gold (gold coins and gold bars with less than 900 parts per thousand gold content) VAT. 7 percent for silver coins must be broken. Silver bars are already subject to the full VAT rate of 19 percent. Under the proposed tax reform could change this result at the expense of precious metals investors. The purchase of gold and silver bullion products could be so much more expensive.

third Withholding tax
The buying and selling of physical gold (and silver) is not subject to withholding tax. That is, after a holding period of one year, profits from such precious metal sales tax. Also here is a change in the law sooner or later not be excluded.

4th Money laundering law
Currently you can buy physical precious metals to an invoice value of 15,000 €, without that personal data is stored permanently (Money Laundering Act "). Many investors, it is important to be able to buy gold and silver anonymous. If now the gold and silver prices during high inflation rates also attractive rise significantly, then it is doubtful that these value-limit is raised to the same extent with. registered at least a short time you will, where appropriate, even for small quantities of precious metals.

5th Shortages
Since the last supply shortage in gold and silver investment products, it is clear that in Germany only takes a few days, until the precious metal dealers are purchased as part of a demand jump empty. By the end of 2008 there were not many investment products available for weeks. In May 2010 there was again a significant shortage of gold and silver. Read the Gold Reporter interview with the manufacturer Heraeus of 3 May 2010 ("In theory is not a bottleneck again auszuschließen“). Ergo: Wenn alle plötzlich Gold und Silber wollen, wird kein Material mehr erhältlich sein.

Fazit / Hinweis
Besser früher Gold und Silber kaufen, als später. Denn "später" wird es vermutlich deutlich teurer oder sogar unmöglich sein, Edelmetalle zu kaufen. Wichtig: Kaufen Sie niemals Edelmetall auf Kredit. Denn der Vorteil des Edelmetall-Besitzes liegt ja gerade in der Unabhängigkeit des Investments von Forderungen anderer und vom Finanzsystem im Allgemeinen. Und: Wie in jedem Markt muss man auch bei Gold und Silber Phasen von Preisrückgängen aussitzen können, in denen man gegebenenfalls „Buchverluste“ erleidet. Wichtig ist, das to keep big picture in mind. We are concerned here long-term one and only is for the protection of assets!
your editorial of Goldreporter.de

the designs we can connect us with our experience as Edelmatallhändler only and save you and us any comments.
The current gold and silver prices, click here.

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Gold is money

insignificant as a raw material, as the currency of a gem. Gold is indispensable as a memory. THE INVESTMENT.com explains why.

"Contrary to popular perception, we have no bubble in gold, but with the paper currencies," says asset manager Bert Floss Bach. "The gold price in recent years had not increased, but the currencies have fallen." Floss Bach's forecast: The euro degenerates into common currency, the huge debt the U.S. can not have a choice. The central banks print money without restraint. Flossbach therefore expects a galloping inflation, double digit percentages, not in five or ten years, but soon. "It's missing is a dramatic event that sets the process going," he says. Gold benefit as inflation protection and ultimate currency of loss of confidence in paper money.

$ 1,000 per ounce are the lower limit
The precious metal is the oldest currency in the world. No wonder that in 2010 two thirds of world gold production have landed directly with investors. "In 2011 it will fall to 60 percent," said Thomas Benedix commodity specialist asset manager of Tiberius. Value drivers are not only investors, but above all "the exploding production and capital costs of the gold mines," said geologist and fund manager Joachim Berlenbach of the Earth Resource Investment Group. "The total costs in recent years has increased on average by 18 percent." The break of the gold mines has already reached about $ 1,000 per ounce. "Even at a moderate cost inflation of 10 percent a year she rises early as three years to more than 1,300 dollars per ounce, long-term even at 2,000 dollars. "That was only the lower limit for the gold price. Of a bubble can at the current price of 1,334 dollars per ounce are not mentioned.

If the corrections, then the futures market. "Once the speculative overhang is reduced, the price of gold continued its upward trend," says analyst Hannes precious metal tip of Solit capital. . By 1,300 dollars per ounce extend strong support levels: steep downhill, however, is not to top a lot of air - the estimates of experts ranging from 2,000 dollars (commodity guru Jim Rogers) to 10,000 dollars per ounce (the Schweizer Fondsmanager Marc Gugerli).
Quelle: http://www.dasinvestment.com

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safety more important than return - advice asked

67 Prozent der Bundesbürger ist bei der Geldanlage “eine möglichst hohe Sicherheit” am wichtigsten. Zu diesem Ergebnis kommt eine aktuelle Befragung der GfK Marktforschung im Auftrag der Gothaer Asset Management aus dem Gothaer Versicherungskonzern. Noch vor der Finanzkrise stand nur für 45 Prozent der Bürger Sicherheit an erster Stelle.

Gemäß der Untersuchung verloren die Kriterien „Flexibilität“ und „eine möglichst hohe Rendite“ im Gegenzug an Bedeutung. So steht heute für nur knapp sechs Prozent der Befragten die Rendite im Vordergrund. Vor der Krise waren es hingegen 16,2 Prozent. Je nach Alter der Befragten hat das Thema Sicherheit bei der Geldanlage nach der Finanzkrise noch stärker an Bedeutung gewonnen, bei Anlegern über 60 ist dies sogar für über 76 Prozent der Befragten das entscheidende Kriterium. Mit 53 Prozent legt derzeit nur etwas mehr als die Hälfte der Befragten überhaupt Geld an. In Fondsanteile investieren aktuell rund neun Prozent der Befragten, in Tagesgeld 12,9 Prozent und in Festgeld 16,8 Prozent. Knapp ein Drittel bevorzugt das Sparbuch.

Beratung gesucht
Die Zurückhaltung bei der Geldanlage spiegelt auch eine gewisse Unsicherheit der Verbraucher in Finanzangelegenheiten wider. Denn 40 Prozent der Befragten wünschen an adviser to assist it in selecting long-term funds, stocks, and a sensible structure their portfolios. For the staff, the proportion of those who want professional support, with almost 50 percent even higher.

The survey was conducted on 2 to 10 December 2010 carried out. About 950 Germans aged 18 years, as part of a multi-topic survey face-to-face interviews to their investment behavior.
Source: www.cash-online.de

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