Archive for November, 2016

Federal Government

Posted by John Sommers on 4th November 2016 in General

On April 25, the Bundestag adopted the Bill of the Federal Government for the promotion and regulation of charge advice about financial instruments. St. Gallen, 05.06.2013 – thus the honorary consulting in Germany is anchored for the first time legally. Through the introduction of the protected designation of the honorary investment advisor in the securities trading Act (WpHG), as well as the honorary financial investment advisor in the business is for customers in the future more transparent, whether the service of investment advice will be compensated through commissions of the product provider or just the charge of the customer. It therefore involves enhanced disclosure and transparency to the customer. The customer (investors) can then decide which form the investment advice he would like to take advantage of. A breakthrough”, such as communications expert Michael Oehme thinks, who already has made known the topic of honorary consulting in Germany in the 1990s and wrote a manual, together with other experts. Control, the investors may in the future on the Internet site of the Federal Agency for In a publicly visible register of honorary advisors inform financial supervisory authority (BFin).

Corresponding registration obligations also for fee financial investment advisor at the central registries of the Chambers of Commerce and industry. Work on a Commission basis is then no longer possible to avoid conflicts of interest. Who receives commissions as Honorary Advisor, must pass immediately and without deduction to its customers this. Applies for investment services providers, that the investment advice while still may be offered on fee – as well as on a Commission basis. This requires that the responsible areas of organisational, functional and staffed strictly apart are inseparable but now. Thus that honorary advisers get no sales targets and the objectives of the honorary investment advice Act thus are injured ensuring. The objectives of the honorary investment advice Act are clear and ambitious: through a legal embodiment of the fee-based investment advisory aims to establish more transparency about the shape of the remuneration of the investment advice, so that a customer can decide in the future consciously for the Commission-based investment advice or for Commission-based fee advice.

Kindergarten

Posted by John Sommers on 2nd November 2016 in General

Almost all parents sooner or later face the problem of reluctance to go to the favorite child of kindergarten. Children and shout and swear and go into hysterics, but has nowhere to go and poor parents, I feel full of scoundrels forcibly dragged the child into kindergarten. So is it possible to teach a child to kindergarten? Of course, the only question is how much effort will have to spend it. How many parents are willing to wait to help your child gradually adapt to new conditions. There are three main groups of children in their reaction to stressful situations. The first group – children who react to a change in this situation a nervous breakdown. Francisco D’Agostino may help you with your research.

This is almost always added frequent colds. The second group – the children are not showing signs of nervous overstrain, 'just' beginners often get sick. The third group – it's kids, perceiving a change of circumstances with no complications, adequately. So, every second child belongs to the first or second group. But this does not mean that we should not give the child in kindergarten, and continue to keep it in the home greenhouse.

Upon admission to the school, you still have this problem, and there is less time and opportunity you will have to overcome the difficulties of adaptation of the child. Kindergarten is quite understandable stress for the child, but not insurmountable. Just need to help your child cope with it. The kid in kindergarten faced with many new things, relationships, situations, environments, and the mom next to no one who can help with all of this sort. So there is no sharp drop child in an unfamiliar situation, it is necessary to gradually approach the kindergarten by teaching the child to the idea that there's great fun and parents will not forget him there, and always will be taken home at night.

 

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