Two very different components: Emilio Ontiveros, Professor of Business Economics at the Autonomous University of Madrid, and Juan Luis Polo, a specialist in Digital Marketing and Social Networking. And both, in different ways (the first, talking about macroeconomics, the second social networking company) agree in their conclusion: now in crisis, more than ever, what matters is people. “The commitment must be in human capital. Companies should not bargain on human capital, “he said Ontiveros. “No project can survive without people,” he said Polo.

All this, yesterday afternoon, in the debut of Red Cumes , the network promoted by the Foundation Mapfre Security Professional and Risk Management. The conference, held in the auditorium of the DGSFP, was opened by Alexander Izuzquiza, Director of Operations Insurance Compensation Consortium and member of honor of Red Cumes, who stressed the mixture in the auditorium of seniority, insurance professionals consecrated, and the “future”, young professionals who have just joined the industry and even students Cumes. A good reflection of what may be the Internet itself Cumes.
Read the rest of this entry »

The European Commission yesterday presented its White Paper on pensions which includes their plans and recommendations for achieving adequate pensions, safe and sustainable. Among the measures advocated in this document, Brussels advocates provide complementary private pension plans by encouraging social partners to create and Member States to optimize the tax incentives and other.

It also calls for improved safety of these supplemental plans, such as through the r eview of the directive on occupational pension funds and improving consumer information. It also asks that pension plans are compatible with mobility, protect, through legislation, the pension rights of citizens traveling and promoting the establishment of pension tracing services throughout the EU. Thus, according to the Commission, it is possible to provide citizens with information about their pension rights and expectations about their retirement income.
Read the rest of this entry »

AEGON has introduced bills this morning for the fourth quarter of 2011 and the full year.

The Dutch group concluded last year with a net profit of 872 million euros, 50% lower than 2010 earnings. The underlying profit before tax stood at 1.522 million, 17% less.

In his comunciado, the group emphasizes that has increased its solvency ratio to 195% and has an excess of capital total of 3,400 million euros.
Read the rest of this entry »

Has acquired the brokerage ARTAI ASUR CREDIT Navarre, specializing in risk management and financial credit. With this purchase, the broker “increase its national presence” and is positioned “in a key community within its national expansion plan for the economic importance within the whole of Spain, according to ARTAI.

The broker points out that, according to the National Statistics Institute (INE), Navarre’s economy closed 2011 with an annual growth of Gross Domestic Product of 1.5%, positioning it as one of the fastest growing communities nationwide.
Read the rest of this entry »

If you want to grow some of your wealth through a contract of life insurance contracts that need to sell advertising, or sellers who make appointments later in the evening at home, or the contract offered by your bank, are perhaps not those that best meet your needs. How to navigate the myriad of life insurance contracts that exist? Here are the lessons I took away from my research.

A. What for?. As always, better know what you want. Would you take out a policy of life insurance primarily to transmit a heritage to your descendants, to ensure a comfortable retirement, or to obtain additional income which you will draw on as and when? Depending on your goals, you will not need the same number of investment funds available through the same contract or contract term life insurance, for example.
Read the rest of this entry »

Whether you purchased a PEA or contract of life insurance, your policy offers several funds in which to invest your money. You must choose these funds for optimal performance. Several strategies are possible, which depend on the objectives that you set.

One strategy that produces good results, is to minimize your expenses to maximize your winnings. We are accustomed to thinking that by paying more, we have more for our money. This is not true for mutual funds. Every euro we spend on miscellaneous and varied is one euro less won with our investments. We have seen that one euro can be transformed by the magic of compound interest and in a very large sum . It is therefore essential to keep your investment costs as low as possible.
Read the rest of this entry »

It’s done! You have chosen a PEA or an insurance-linked life, perhaps even by following my advice for making a good choice . You are now facing the most difficult step, especially when one begins: choosing the right funds under this contract. Depending on the level of risk you are willing to take, you will play caution in relying on index funds , or you take more risks in order to obtain a further improvement. Here’s how I choose my side my money, to get the best possible performance.

Get an updated list of funds available to you. If you followed my advice , you have opted for a contract that offers at least a hundred funds. Otherwise you will find it hard to diversify, especially in the long term. Make sure you have the latest list of funds available with your contract.
Read the rest of this entry »

The situation of the German consumer indebtedness has worsened compared to last fall slightly, but after the current climate index for Germany debtor (SCID) of the CEG Creditreform Consumer GmbH, relaxed as designated. At the same time, however, the debt individually perceived stress increased again this winter. Thus, nearly one in eleven German felt overwhelmed financially. In particular, women and consumers ages 40 and 49 declared to feel stressed out here.

In contrast, our own economic situation of the West Germans were more optimistic than currently estimated in the fall of 2011. With an increase of around two percent of consumers rated their situation as good or very good. The coming months were from a third party to be positive as very positive.
Read the rest of this entry »

The Bank team as editor of the easy credit consumer credit can look back on a successful fiscal year 2011. As the company announced, has the easy credit-stock in the past year increased by 16 percent to 7.2 billion euros from 6.2 billion euros last year. In comparison, the German market for personal loans to increase by only 1.7 percent to 149 billion €.

Even when profit rose of the easy credit providers significantly. Gross profit grew accordingly by eight percent to € 358.9 million. At the same time, loan loss provisions was 93.5 million euros to 30 million €. The operating profit of the Bank was able to double from 84.8 million euros in 2010 to 167.3 million euros in 2011 almost. In collaboration with the cooperative financial group was the easy credit , according to preliminary figures from EUR 344.8 million compared with EUR 233.3 million last year to the overall success of the cooperation. This represents an increase by 48 percent.
Read the rest of this entry »

AXA has achieved in 2011 net profit of 4.324 million euros, representing growth of 49% over the previous year, according to statements made this morning by the Gallo group.

This increase results have influenced both the extraordinary gains achieved by the diversions from Australia, New Zealand, Canada and Taikang Life, and the burden of more than 1,640 million that the group took in its 2010 accounts for the sale of part of its life operations in the UK.
Read the rest of this entry »