Tuesday, January 31, 2017

Apple, thanks to iPhones sales grow again – MIRROR ONLINE

Tim Cook has perhaps the most difficult year for Apple: The last three quarters in a row, the group had to inform the chief about falling sales. And in October 2016 completed financial year, was the first since 2001, the Apple finished overall, with a decline in sales.

Despite the gigantic sales and profits to the investors nörgelten about this development. They had to simply accept that Apple is a normal company grows slower.

Many investors threw, therefore, their years of beloved Apple shares from their Depots: Between may 2015, as the paper reached its all-time high, and may 2016, and it lost almost a quarter of its value. On Wall Street, it belonged to the good tone, prophesy the most valuable company in the world./p>

But now the group has to Pay in Cupertino for the first quarter of the new fiscal year submitted to make hope again. In the quarter to the end of December, Apple had sales of 78.4 billion dollars, surpassing analysts ‘ expectations. In total, the group sold 78 million iPhones, nearly five percent more than the previous year. Or in other words: Apple is currently selling around 590 iPhones per Minute and has difficulties to respond to the large demand.

Because of the strong Numbers put Apple’s stock in after-hours trade prompt by almost three percent.

Has made the iPhone Company so the Turnaround? “Apple is at least back on track and growing again,” says Daniel Kröger, Fund Manager at Frankfurt-Fund company, Acatis.

in fact, the Numbers show that Apple is in his main business is still really strong, the group remains the largest profit machine that the world has ever seen. Because in spite of a low market share (around 13% worldwide) earned the US-based group so good like no other in the Smartphone business. According to a study by Strategy Analytics, Apple line is that 91 percent of all profits of the entire Smartphone market. The rivals Samsung, Huawei & Co are allowed to argue to the small Rest.

Long ago, investors know that this strength also reveals Apple’s biggest weakness. The company was too dependent on the iPhone, it means for years. Finally, the group saved almost 70 percent of its sales, with its Smartphone. However, less and less people to replace their old Smartphones immediately, if there is new on the market. “Smartphones are now developed technologically so far, that the everyday needs of every user meet. The customers can buy, therefore, usually only a new Smartphone, as soon as the old one is broken,” said Barclay’s Analyst Mark Moskowitz, the Tech-Portal “CNET”.

investors expect, therefore, that Apple in September when the iPhone celebrates its tenth birthday brings a new iPhone to the market, this stands for revolutionary innovations. Apple connoisseurs expect, for example, a device that can be wirelessly charged, and a 3D-sensor technology has been integrated.

Apple-analysts, several U.S. banks predict, therefore, that the iPhone will increase sales in the year 2018 to 20 percent. “The iPhone 8 could trigger a new Super-cycle, and Apple in order to the explosive growth of the past years back,” writes an Analyst of the US Bank Morgan Stanley in a study.

Waiting for “The Next Big Thing”

But if you look at the quarterly figures of Apple’s closer, it is clear that CEO Tim Cook is leaving on the sales of the iPhones. Apple has, for example, with its Service-business (App Store, Apple Music, iCloud) in the meantime, impressive sales in the amount of approximately $ 25 billion per year. In comparison to the iPhone-Redeem this may seem negligible, but that is as much as Facebook will implement in a whole year.

But that’s not enough for investors, they are waiting eagerly for “The Next Big Thing”, i.e. the market introduction of a new, revolutionary product:

  • IT experts predict that Apple wants to be together with Carl Zeiss Smart Optics bring still in this year, the data glasses on the market. A pair of glasses that will not only help you See, but additional digital information Virtual Reality “as a major growth provides” hope.
  • Others are convinced that the Apple force is working on the development of a car and the entire auto industry to falter, and a billion-dollar market to conquer. To use a car with energy – efficient batteries and more intuitive Software is as easy and comprehensive as the iPhone.

“Actually, Apple is still a lot of fantasy. This is what makes the business so exciting and attractive for long-term investors,” says Fund Manager Kroger. In addition, the company could draw on huge cash reserves and, thus, the development of new products Finance.

In fact, Tim cook’s money storages are filled well: Apple has Cash reserves in the amount of more than 200 billion dollars. Thus, the company can invest like no other in the world in a variety of new technologies. The chances are good that Apple will be overrun in the next few years, other industries.

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Work: the labour market starts with good Numbers in the new year – THE WORLD

updated: 16:03 PM read | write duration: 3 minutes

the number of unemployed in January increased

source: dpa/AFP/archive

Modest January rise in unemployment – expected to Trump effect

Dit’s German labour market is a good start to the new year. In January, the number of unemployed increased in comparison to the December season due to 209.000 to 2,777 million, the Nuremberg-based Federal employment Agency (BA) announced on Tuesday. The increase was, however, lower than usual. BA chief Frank-Jürgen Weise, expected, meanwhile, through the policy of the new US President, Donald Trump also has an impact on the German labour market.

way said the issue of the US was “a bit unpredictable”, with a view to possible consequences for the German labour market. It will but “definitely this year” effects. What is the impact exactly, not going to show up but before the middle of the year, if the economy is to recognize the political expression of Trumps policy.

With the January increase had to do Trump. In January, the unemployment increases due to many end-of-year expiring contracts and the consequences of the winter weather for outdoor occupations regularly felt.

The increase in the number of unemployed in January 2017, however, was to 47.000 under the average of the past three years. Compared to the same month last year the number of unemployed was also to 143.000 lower. Also, the seasonally adjusted number, for the special effects, such as the weather and time of year, be subtracted from, decreased by 26,000 in comparison to December.

“In the labour market, it will start up in 2017,” said way. The unemployment rate was according to the BA, at 6.3 percent, 0.5 percentage points higher than in December. Increasingly, the unemployed, refugees appear in the statistics. In January, there were 189.000 unemployed asylum-seekers from non-European countries of origin, which means compared with January 2016 to a Plus of 87,000 or good for 86 percent. The unemployment get the information, but still not as strong as originally forecast.

BA Board member Raimund Becker said, one of the objectives is to qualify the unemployed refugees in “one, two, three years” skilled workers for occupations for which the domestic unemployed no candidates found. In January, with almost 650,000 Vacancies were registered at the employment agencies, the 66,000 more than a year ago.

Federal labour Minister Andrea Nahles (SPD) said, the labour market was followed by the good economic forecasts. “Still never the less people were in the re-United Germany, in a January without a job.” There is every reason to expect that the increase in Employment also in this year.

The Left-labour market expert, Sabine Zimmermann, pointed to the almost one Million long-term unemployed. Especially Unskilled workers were affected. This makes clear how necessary a Creel of resources for qualification and training.

The Green-labour market expert Brigitte Pothmer called for long-term support measures, such as a so-called Social labour market and more investment for the qualification – whether for refugees or born in Germany the unemployed. Pothmer, the claim of BA-the chief way, the work bans to the long-term repeal Tolerated supported. It was the worst of it, “young people get money and nothing to work with,” said the online portal n-tv.de. “I know for sure, this ruins the character.”

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Apple returns in the first quarter on course for growth – FAZ – Frankfurter Allgemeine Zeitung

The company with the Apple profits, mainly thanks to the services segment.

The American electronics company Apple, has ended its most recent series of revenue declines and is back on a growth course. The company reported on Tuesday after market close, slightly better-than-expected quarterly figures, and the share price rose in after-hours trading temporarily to 2 per cent. CEO Tim Cook said in a conference call from an “outstanding quarter”. Apple benefited from higher sales figures for its iPhone mobile phone and sold this time 78.3 million copies.

Roland Lindnerauthor: Roland Lindner, an economic correspondent in New York.

That was a record and 5 percent more than in the previous year. Cook said that the business with the latest models, the iPhone 7 and iPhone 7 Plus will have exceeded the expectations of the company. In the larger model, the iPhone 7 Plus, Apple was not complied with over the entire quarter and beyond with the delivery. The iPhone is by far the most important product of Apple, it was in the most recent quarter for 69 percent of total sales. Prior to the most recent reporting period, Apple has suffered three consecutive quarters of declining sales figures for the iPhone.

tablet business continues to shrink course

The best section, however, in the past quarter, once again, the service segment, including the music platform Apple Music, the payment service Apple Pay, as well as the App Store, in the programs for devices such as the iPhone will be sold. The turnover of this segment increased by 13 percent to almost 7.2 billion dollars. Services. thus, the third based on sales the most important division, and were only just behind the Macintosh computers, which earned this time a little more than 7.2 billion dollars Cook said the services business will be in the current fiscal year is so large that it would belong as a separate unit to the one hundred highest revenue American companies.

detail view

More on the shrink rate, however, the business with the tablet computer iPad, of which Apple sold 19 percent fewer units than in the previous year. Two years ago come out computerized watch, Apple Watch has been sold, according to cook’s words, as well as ever since their introduction, however, it falls in the overall group still not too much weight. Apple has for this, although there are no separate Numbers, and combines them in a category with other devices such as the television receiver Apple TV or the music player iPod.

The combined sales of these products fell by 8 per cent, to 4.0 billion dollars. Once again, a weak point of the business in China was in the most recent quarter. The country was until recently a growth engine for Apple, this time, revenues fell by 12 percent. China was the only Region for the group, in which the sales declined.

the inventory of cash over 246 billion dollars

Overall, Apple increased its revenue by 3 percent to 78.4 billion dollars. The net profit was due to higher costs of 3 percent to 17.9 billion dollars. The earnings per share of 3.36 Dollar was 15 cents better than expected.

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Apple’s stock of cash is growing, meanwhile, and was the end of the quarter in the case of more than 246 billion dollars. Of 230 billion dollars were in foreign subsidiaries. A Return of this money in the United States would bring a high level of taxation. The new American President Donald Trump has raised the prospect of the Return of Countries to make the tax more attractive. Cook said he was optimistic that it would still give this year a tax reform, and a Change in the taxation of returns led gains certificates of representatives of both parties endorsed.

Cook was, however, covered the question of whether he can win the additional financial scope for a possible Return from Abroad to take advantage of acquisitions. He merely said, Apple have recently bought 15 to 20 companies in the year, and shrink not even in front of larger Acquisitions than in the past. “We look at companies of all sizes.” Beyond the tax issue, political topics, such as the imposed recently by Trump, and many technology companies entry stop criticized in the telephone conference, not a greater role.

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Apple, thanks to iPhones, finally, growth again – MIRROR ONLINE

Tim Cook has perhaps the most difficult year for Apple: The last three quarters in a row, the group had to inform the chief about falling sales. And in October 2016 completed financial year, was the first since 2001, the Apple finished overall, with a decline in sales.

Despite the gigantic sales and profits to the investors nörgelten about this development. They had to simply accept that Apple is a normal company grows slower.

Many investors threw, therefore, their years of beloved Apple shares from their Depots: Between may 2015, as the paper reached its all-time high, and may 2016, and it lost almost a quarter of its value. On Wall Street, it belonged to the good tone, prophesy the most valuable company in the world./p>

But now the group has to Pay in Cupertino for the first quarter of the new fiscal year submitted to make hope again. In the quarter to the end of December, Apple had sales of 78.4 billion dollars, surpassing analysts ‘ expectations. In total, the group sold 78 million iPhones, nearly five percent more than the previous year. Or in other words: Apple is currently selling around 590 iPhones per Minute and has difficulties to respond to the large demand.

Because of the strong Numbers put Apple’s stock in after-hours trade prompt by almost three percent.

Has made the iPhone Company so the Turnaround? “Apple is at least back on track and growing again,” says Daniel Kröger, Fund Manager at Frankfurt-Fund company, Acatis.

in fact, the Numbers show that Apple is in his main business is still really strong, the group remains the largest profit machine that the world has ever seen. Because in spite of a low market share (around 13% worldwide) earned the US-based group so good like no other in the Smartphone business. According to a study by Strategy Analytics, Apple line is that 91 percent of all profits of the entire Smartphone market. The rivals Samsung, Huawei & Co are allowed to argue to the small Rest.

Long ago, investors know that this strength also reveals Apple’s biggest weakness. The company was too dependent on the iPhone, it means for years. Finally, the group saved almost 70 percent of its sales, with its Smartphone. However, less and less people to replace their old Smartphones immediately, if there is new on the market. “Smartphones are now developed technologically so far, that the everyday needs of every user meet. The customers can buy, therefore, usually only a new Smartphone, as soon as the old one is broken,” said Barclay’s Analyst Mark Moskowitz, the Tech-Portal “CNET”.

investors expect, therefore, that Apple in September when the iPhone celebrates its tenth birthday brings a new iPhone to the market, this stands for revolutionary innovations. Apple connoisseurs expect, for example, a device that can be wirelessly charged, and a 3D-sensor technology has been integrated.

Apple-analysts, several U.S. banks predict, therefore, that the iPhone will increase sales in the year 2018 to 20 percent. “The iPhone 8 could trigger a new Super-cycle, and Apple in order to the explosive growth of the past years back,” writes an Analyst of the US Bank Morgan Stanley in a study.

Waiting for “The Next Big Thing”

But if you look at the quarterly figures of Apple’s closer, it is clear that CEO Tim Cook is leaving on the sales of the iPhones. Apple has, for example, with its Service-business (App Store, Apple Music, iCloud) in the meantime, impressive sales in the amount of approximately $ 25 billion per year. In comparison to the iPhone-Redeem this may seem negligible, but that is as much as Facebook will implement in a whole year.

But that’s not enough for investors, they are waiting eagerly for “The Next Big Thing”, i.e. the market introduction of a new, revolutionary product:

  • IT experts predict that Apple wants to be together with Carl Zeiss Smart Optics bring still in this year, the data glasses on the market. A pair of glasses that will not only help you See, but additional digital information Virtual Reality “as a major growth provides” hope.
  • Others are convinced that the Apple force is working on the development of a car and the entire auto industry to falter, and a billion-dollar market to conquer. To use a car with energy – efficient batteries and more intuitive Software is as easy and comprehensive as the iPhone.

“Actually, Apple is still a lot of fantasy. This is what makes the business so exciting and attractive for long-term investors,” says Fund Manager Kroger. In addition, the company could draw on huge cash reserves and, thus, the development of new products Finance.

In fact, Tim cook’s money storages are filled well: Apple has Cash reserves in the amount of more than 200 billion dollars. Thus, the company can invest like no other in the world in a variety of new technologies. The chances are good that Apple will be overrun in the next few years, other industries.

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Deutsche Bank-share price closes nevertheless weak: penalty in money-laundering affair … – Finanzen.net

Stuttgart stock exchange investors club

technology stocks: Three ways to benefit from the Trend of the “Digital factory”!

The fourth industrial Revolution is in full swing, and changed, by the majority of society completely unnoticed, already the production processes in the large industrial halls. We will show you in the current edition of the investor magazine three ways for you to in the coming months and years, the future trend of the “Digital factory” can benefit.

investor magazine for free

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The Siemens group raises full-year forecast – FAZ – Frankfurter Allgemeine Zeitung

In the upward trend: the electric company, Siemens, here in the company headquarters in Munich

in several quarters from Siemens group observed upward trend in sales and profitability has stabilised. The technology group has, thanks to a strong increase in profit after tax to 25 percent to 1.94 billion euros at the start of the new fiscal year 2016/2017 (30. September), his first, in November, formulated forecast revised upwards.

Rüdiger Köhnauthor: Rüdiger Köhn, Economics correspondent, based in Munich, Germany.

Siemens said on Tuesday evening after the Board meeting and prior to this Wednesday’s annual General meeting that the return on sales in the industrial business in full-year 11 to 12 percent. In the period 2015/2016, it increased from 10.1 to 10.8 percent. The last Chairman of the Board Joe Kaeser, had a margin of 10.5 to 11.5 percent. Accordingly, the earnings per share will reach 7.20 to 7.70 Euro instead of the previously expected to 6.80 to 7.20 euros. Last year, the comparable value was reached to 6.74 euros. Is to be attributed the profit jump to good, efficient and smoothly settled industrial businesses, a margin of 13 (previous year: 10.4) achieved in the first quarter, even a percentage.

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correction to the above comes all the more surprising, because the economic and political conditions in the world in the past months, more likely to have exacerbated, and views uncertain. Siemens itself has noted that because of the increasingly complex geopolitical environment, “against the wind for economic growth and the investment climate in our markets.” Therefore, the company expects only a low growth of sales, adjusted for currency translation and portfolio effects. In the first three months of 2016/2017, the turnover rose in nominal terms by 1% and adjusted for 3 percent to 19.1 billion euros. The order intake decreased by 14 percent, as there was in the previous year, a number of large orders.

detail view

For the full year was attributed to Siemens, but with contracts, which are greater than the revenue. Like a year ago, Siemens has been so unusually early an optimistic Outlook. The Confidence must be high. Because of the year press conference in November, Kaeser said that his then-forecast leaves little room for error.

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Euro-policy – Trumps Advisor accuses Germany of exploitation of other countries – Süddeutsche.de

the

  • Trumps trade consultant Peter Navarro accuses the Federal Republic of Germany, other countries to exploit the low interest rate policy of the ECB.
  • criticism of the cheap Euro had also been issued under the US President Obama.
  • Nevertheless, it is significant in a rude response brought accusation for two reasons.

The sound between the government of Donald Trump and the Federal government is harsh. Peter Navarro, the chief Advisor Trumps in trade policy, accused Germany, using the low rate of the Euro for other countries to “exploit”. The Euro was last 1.07 $ and is rated so that, in the opinion of most experts. Indirectly, Navarro accused the Federal government, you will have to press the exchange rate to the bottom. He avoided it, however, to speak of Manipulation, as Trump and his government had done in the case of China.

prices rise – the ECB must act now

In the Euro-Zone jumps in Inflation to 1.8 per cent, as high as three years ago. The ECB has to adjust monetary policy. comment by Markus Zydra more …

Merkel rejects the allegations. But Germany benefits from the cheap Euro

German Chancellor Angela Merkel dismissed the allegations of Navarro’s. “Germany is a country that has always advertised that the European Central Bank, an independent policy, so how it has also made the Bundesbank, as there was no Euro,” Merkel said during a visit to Stockholm. “Therefore, we will take on the behavior of the ECB, also no influence. Therefore, I also at the Situation as it is, and I want to change anything,” stressed the Chancellor. Marcel Fratzscher, President of the German Institute for economic research (DIW), wrote in a Tweet: “Navarro is next to it. Without Germany the Euro would be much weaker.”

The cheap Euro makes German exports cheaper and contributes to the high Surplus in the current account. The high level of exports promotes economic growth. For the first time in eight years, Europe is ahead of the United States: As the statistics office Eurostat announced, the increase in gross domestic product (GDP) in the Euro Zone in 2016 to 1.7 per cent, in the United States, by contrast, it grew by just 1.6 percent to

From the Financial Times Navarro, the head of the Donald Trump’s newly installed National Trade Council, said that Germany was one of the main obstacles for a trade agreement between the EU and the United States. The planned and, especially in Germany, a controversial agreement TTIP was “dead,” said Navarro. The government’s Trump to prefer bilateral trade agreements with other States against groups of States. The TTIP could not be seen as a bilateral agreement.

accusations Of “currency manipulation” is centrally located in the US trade policy

lays The blame for the Failure of TTIP Navarro in Germany. The Federal Republic of loot other countries such as the USA, with its crass under-rated “implicit Deutsche Mark” (from the Euro). The trade imbalance between Germany and the Rest of the EU and the U.S. underline the economic heterogeneity within Europe.

The German export surplus, which amounted in the previous year, more than eight percent of the gross domestic product, was already under Barack Obama’s rise to the German-American dispute. New in the Interview, Navarro’s, the aggressive language and the concentration on the question of the exchange rate. This is controversial for two reasons. First of all, the cheap Euro is mainly a consequence of the monetary policy of the European Central Bank (ECB), and the control of the Federal government. Secondly, the accusation of “currency manipulation” in the American trade law a Central role. A country, officially the Manipulation of the exchange rate is accused of, have to expect sanctions, for example, criminal duties. So far, China is always the focus, now Germany’s turn.

At the start of trading in New York, the Dollar traded weaker. At times, you had to pay for one Euro more than, $ 1.08, a penny more than before the publication of the Navarro-Interviews. Many traders expect seems to be that Trump will operate a policy of a weak dollar. Exciting the further course of the US will now be the Federal Reserve Bank. The open market Committee of the Fed will publish on Wednesday its decisions. The financial markets hope for new insights about when the Fed the next Time the interest rates will increase.

This man declared Donald Trump the economy

Peter Navarro is the only Economist in the Team of the presidential candidate. He does not think much of free trade and sending threats to China. By Kathrin Werner, New York more…

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Strikes in the public service: Why the negotiations this time, so … – daily mirror

schools, teaching hospitals, police, judicial administration or street, are Affected accordingly, maintenance depots. The trade Union side announced on Tuesday in Potsdam after the second round of collective bargaining for the public service of the country, which is largely lost in vain. Smaller actions had already occurred in the past few days.

In the case of the two-day discussion, there were no concrete results or offers of the employers ‘ side, such as Verdi chief Frank Bsirske said. The tariff community of German Länder (TdL) had repeatedly made it clear that it considers the Union’s demand of a total volume of six per cent Plus is far too high. A breakthrough is now in the third negotiation round of 16. February expected. The Strikes belong to the now customary accompaniment of such negotiations.

employers can hardly be guessed with empty coffers

argue For the first Time, Berlin’s Finance Senator Matthias Kollatz-leads for the Tsp side of the negotiations – together with lower Saxony’s Finance Minister Peter-Jürgen Schneider (both SPD). Your Problem: you have too much money. And this circumstance provokes greed. So all the Numbers were in the negotiations in Potsdam on the table: In the past year, the country had a budget surplus of two billion Euro; of these, two billion 1.25 billion accounted for on Berlin. With empty coffers Kollatz can argue-ancestors so bad, if he tries to parry the income claims. Especially as the tax revenues continue to rise.

The negotiations for the public service of the countries are by far the largest round of collective bargaining this year: A Million employees (not including Hesse, which is not a member of the Tsp) falling under the Tariff and 2.2 million civil servants and pensioners in countries and communities, the collective conclusion in the rule is transmitted. In Berlin it relates to around 67,000 land employees directly, including nearly 13,000 in Social and educational services (day care centers), and 15,000 teachers and 65,000 civil servants indirectly.

unions are demanding a six percent

Since Monday, Verdi, officials of the Federal government and the unions of the police officers (GdP) and teachers (WT) have advised to the second round of Negotiations with the employers. The trade unions are demanding a six percent and a minimum amount for the lower income groups at a term of the new tariff, the next twelve months. So far, So simple. But also a new level 6 will be introduced from the pay group 9, similar to the was launched a year ago with the municipalities and the Federal contractual agreements.

With this new pay level at the upper end of the income scale could be paid for certain occupations in the public service better and thus more attractive. But that costs money: Would you introduce the level 6 with a shock that it went for that alone, two percent of the volume of Distribution. In other words, If the Six percent requirement at the end of three percent remained, accounted for only two percent on the high earners and the Rest of the employees would receive a percent more. This will not work, which is why the new level, probably in steps, is introduced. That’s especially Berlin and the East countries, because more than half of the employees, the benefit of the new level 6, employees of teacher. The there are, however, especially in Eastern Germany and Berlin, in the Western countries, however, the majority of teachers are civil servants.

Michael Kollatz-Ahnen (SPD), the financial Senator of Berlin, Photographed in the staircase of his office.photo: Mike Wolff

The fall of Berlin makes the negotiations extra-complicated

The special topic level 6, complicated the negotiations – and for Kollatz-Ahnen the Kita-issue. The Berlin-based educators covered under the collective bargaining agreement of the countries in the area of States subject to the collective agreement of the municipalities. In the spring of 2015, there was a protracted conflict to appreciation of the day – care centre working with a variety of strikes, a failed mediation, and at the end of an income increase of four percent for the daycare workers. These percentages want the Berlin teachers now, in addition to the “normal” income increase. For Kollatz-Ahnen also, this is only conceivable in stages.

The Berlin-based Senator is so for various reasons, in a difficult Situation: As a negotiator, he needs to find a compromise, and each of the 15 länder (excluding Hesse); as Finance Minister, he has inherited the Berlin problem: The capital’s only been a couple of years back a member of the TdL, and approaches slowly to the tariff level of the other provinces; in the coming December, for the country employees, a salary Supplement, then the final stage of 98.5 to 100 percent. The concerns of the employees.

in Berlin, officials are still five percent below the Rest of the Republic, particularly striking are the differences of Bavaria, with around ten per cent. A fire Department official in Berlin gets even almost twelve percent less money than a fire Department official in Munich. Without the comparatively good pay Berlin will be able to staff the gaps in the public service does not include. The Kollatz-and-white ancestor. After the last collective bargaining agreement two years ago, the result was transferred to the Berlin officials, and 0.85 percent, to come closer to the level of other countries. Over the term of the collective agreement of two years, the staff increased costs in the public service of Berlin, a total of around 130 million euros.

“The cake needs to be larger,” says Verdi

this time, it is likely that a collective bargaining agreement with a term of two years, to be able to work with various level of increases work. And over two years the unions will be in the direction of six percent, which accounts for nearly one Million workers in the country a total of 2.3 billion euros. In the case of the Transfer of the officials and the additional burden for the States amounts to around seven billion euros. Fare increases hurt the countries, particularly because more than 40 percent of their income for personnel are used, in the municipalities there are 30 per cent by the Federal government even less.

If nearly every second Euro is spent in tax revenue for the staff, “then the money is missing elsewhere”, argue that the Tsp’s negotiator. Understand that the trade unions and demand more money for the public service. “The cake needs to be larger,” says Verdi. As measured by the gross domestic product, the Federal Republic of Germany have just under ten percent, “the cheapest form of public service in the EU”. So higher taxes on high incomes, wealth and inheritance, such as Verdi chief Frank Bsirske for years calls, and already there is enough money for a larger and better paid public service. This is not, however, in the hands of the Berlin Finance Senator.

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Inflation rate rises to highest level since February 2013 – FAZ – Frankfurter Allgemeine Zeitung

Luxembourg (dpa) – Driven by rising energy prices, Inflation in the Euro area rose in January surprisingly strong. Consumer prices climbed by 1.8 per cent measured on the same month last year, as the European statistical office Eurostat announced. This is the highest Rate since February 2013.

In December, had increased consumer prices by 1.1 percent. Economists had expected in January, with an increase in the Rate of only 1.5 percent. The core rate, the fluctuation-prone variables such as energy and food “excludes”, was in January, unchanged and as expected at 0.9 percent.

with a Particularly strong rise in energy and food prices. Thus, the energy prices rose by 8.1 percent year-on-year. However, they had fallen at the beginning of 2016 is very deep, what is now, a boost like an automatic price. The prices for food, alcohol and tobacco rose by 1.7 per cent.

With the recent price increase has reached the Inflation target of the European Central Bank (ECB). The ECB is aiming for the Euro area an inflation rate of just under two percent, not more it has achieved, but for about three years. This is one reason why the Central Bank has eased its monetary policy.

The higher Inflation is likely to fuel the debate about an exit from the very loose monetary policy. So far, the ECB makes no move to signal a reversal of the trend. She had last directed more to the still low core inflation. “This suggests that the governing Council will not initially respond to the jump of the inflation rates,” said Ralf Umlauf, an Analyst at Landesbank Hessen-Thüringen (Helaba). Finally, the total am driven inflation, “massive” by the energy price development.

Commerzbank Analyst Christoph’s supposed to Because that from March of the energy vapors prices will be effect on the inflation rate. In the summer, the inflation rate should fall again. “The face of uncertain inflation Outlook, the ECB is probably only a change of course in monetary policy when core inflation is rising in a sustainable way”, it’s supposed to Because. A sustainable increase in the rate of inflation, Commerzbank expected until after 2018. The ECB is likely to hold, therefore, about the year 2017, in addition to their loose monetary policy, the expert predicts.

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Russia affair: Deutsche Bank needs to just pay 600-million-Euro fine – Handelsblatt

Deutsche Bank

U.S. financial supervision authority imposed a 400-million-Euro penalty. An Insider, according to Deutsche Bank must also pay about 200 million euros to the British banking supervision, the FCA.

(photo: AFP)

Washingtonto settle The Deutsche Bank can be one of your legal Legacy will be significantly less than feared. After the billion-dollar agreement in the US Mortgage settlement is the largest German money house in a money-laundering scandal in Russia, with penalties equivalent to nearly 600 million Euro. $ 425 million (397 million euros) will go to the New York financial supervision authority, the DFS, like this one announced on Monday evening. The British banking supervision, the FCA calls for a further 190 million euros. Deutsche Bank had, according to the financial around one billion euros in circles for the case back.

According to the estimates of investigators have washed Russian customer of the Bank in Moscow and London, and the ruble-black money worth about ten billion dollars. This is been the pattern for years because the Institute had to miss due to lack of sufficient checks on numerous occasions, the manipulation, detect, investigate, and stop, said the DFS.

have known the Bank to the time that you had a great pent-up demand, which relates to compliance with regulations, criticized the DFS Boss Maria Vullo. Even as a European Bank pointed to conflicting information on one of the affected customers did not react the Deutsche Bank and the excuse later that the Manager had had too much to do. Until the end of 2014 – much later than other institutions – have been classified, the Bank of Russia as a high-risk country. Now, she gets a Chaperone to the side, the internal processes against money laundering under the magnifying glass<./p>

The dubious customers had bought at the German Bank in Moscow Russian standard shares in rubles. Associated companies sold the same papers, often on the same day – about Deutsche Bank in London and ended in favour of the US Dollar. The was economically nonsensical, and suggested the suspicion of money laundering, said Vullo. The accusation, to have the opaque Deals may also US sanctions hurt, could invalidate the Deutsche Bank, however, such as several with the process, people familiar said.

in 2015, had declared the chief Executive officer, John Cryan, the Deutsche Bank was in the Russia affair, “vulnerable”. At the annual press conference on Thursday, he can settle now report to enforcement, which relates to his goal, the most important legal disputes quickly.

The British FCA, that is, in the case of the lead, had completed the most important part of your investigation, financial and regulatory circles, for a long time. Greater uncertainty was in the Deutsche Bank, as the relevant US authorities to review the case, according to the President of the exchange and how quickly to a conclusion.

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Labour market figures for January, unemployment in Berlin and Brandenburg … – rbb|24

unemployment benefit I (ALG I) is the power to which everyone is entitled, to the Deposit as an employee for at least one year in the unemployment insurance. Parallel to the contributions from the employee, the Agency will receive the insurance contributions of the employer.

the Legal basis for both the posts, as also for the payments for the services of the social code (SGB) III. The payment of ALG I is limited to one year. Mathematical basis for the calculation of the money of the wage or salary of the last year. The so-called power amount, so the height of the ALG I is 60 percent of the average monthly wage in the last employment months.

The recipients of the ALG I is normally considered to be unemployed in the statistics. Many of the ALG I recipients are not listed, if you are sick, or when you make a training.

However, the Federal Agency of statistics, several hundred thousand people as unemployed who get no unemployment benefits I or II, for example, if someone, due to other benefits in money relates, but as a job seeker and unemployed is registered.

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Monday, January 30, 2017

600 million Euro fine for money-laundering scandal, Deutsche Bank … – manager-magazin.de

not so can be pleased, but John Cryan, chief Executive of Deutsche Bank.

REUTERS

Looks here not so, but John Cryan, chief Executive of Deutsche Bank.

The German Bank will just pay 600 million Euro fine to settle money-laundering affair in Russia. In addition, you

Deutsche Bank has a legal Legacy issues to settle will be significantly less than feared. After the billion-dollar agreement in the US Mortgage settlement is the largest German money house in a money-laundering scandal in Russia, with penalties equivalent to nearly 600 million Euro. $ 425 million (397 million euros) will go to the New York financial supervision authority, the DFS, like this one announced late Monday night.

The British banking supervision, the FCA calls an Insider, according to a further EUR 200 million. You don’t want to comment initially. Deutsche Bank had, according to the financial around one billion euros in circles for the case back.

According to the estimates of investigators have washed Russian customer of the Bank in Moscow and London, and the ruble-black money worth about ten billion dollars. This is been the pattern for years because the Institute had to miss due to lack of sufficient checks on numerous occasions, the manipulation, detect, investigate, and stop, said the DFS. (As in the Moscow branch of the German Bank, the checks failed, you can read here.)

have known the Bank to the time that you had a great pent-up demand, which relates to compliance with regulations, criticized the DFS Boss Maria Vullo. Even as a European Bank pointed to conflicting information on one of the affected customers did not react the Deutsche Bank and the excuse later that the Manager had had too much to do.

Deutsche Bank gets to be a chaperon on the page

classified Until the end of 2014 – much later than other institutions – the Bank of Russia as a high-risk country. Now, she gets a Chaperone to the side, the internal processes against money laundering under the magnifying glass<./p>

The dubious customers had bought at the German Bank in Moscow Russian standard shares in rubles. Associated companies sold the same papers, often on the same day – about Deutsche Bank in London and ended in favour of the US Dollar. The was economically nonsensical, and suggested the suspicion of money laundering, said Vullo. The accusation, to have the opaque Deals may also US sanctions hurt, could invalidate the Deutsche Bank, however, such as several with the process, people familiar said.

in 2015, had declared the chief Executive officer, John Cryan, the Deutsche Bank was in the Russia affair, “vulnerable”. On the balance sheet press conference this Thursday, he can settle now report to enforcement, which relates to his goal, the most important legal disputes quickly.

The British FCA, that is, in the case of the lead, had completed the most important part of your investigation, financial and regulatory circles, for a long time. Greater uncertainty was in the Deutsche Bank, as the relevant US authorities to review the case, according to the President of the exchange and how quickly to a conclusion.

But to clarify, even after the conclusion of the Russia-If the Bank continues to have dozens of cases of rule violations and to pay to it might be large sums of money. Only recently, the message from a multi-billion dollar lawsuit Jewish organisations caused for quite a stir.

rei/soc/Reuters

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Deutsche Bank has Laundry $ 425 million in money-affair figures – MIRROR ONLINE


First agreement: Deutsche Bank has agreed, in the Russian money laundering-numbers affair, $ 425 million fine. In the case of other penalties.

Deutsche Bank Headquarters in Frankfurt

REUTERS

Deutsche Bank Headquarters in Frankfurt

Deutsche Bank agreed Chart show has Laundry with New York’s financial supervision to a multi-million dollar settlement in Russian money scandal. The Institute will pay a fine in the amount of $ 425 million (equivalent to 397 million euros), according to the New York State Department of Financial Services (DFS).

customers of the German Bank should have washed the authority, according to the financial centers of Moscow, New York and London around ten billion dollars in rubles-black money from Russia. The money house had left due to supervision failure over the years, numerous opportunities to notice the plot, and to prevent the DFS.

The New York authority had worked in their investigation according to their own information closely with the UK financial conduct authority the Financial Conduct Authority (FCA). A DFS spokeswoman said on demand, the comparison concerns only the argument with your authority.

According to a spokesperson in New York, the Deutsche Bank cooperates with other regulators and Supervisory authorities, whose investigation in the case. The American media, according to the U.S. Department of justice because of possible criminal determined to Pass legal. The Ministry was not initially be reached for comment.

part of the agreement is that the Bank your business operations in New York by an independent auditor to investigate. The spokeswoman for the German Bank, the fine is covered by existing provisions. Only in mid-January, the Bank had signed a total of 7.2 billion Dollar settlement with the US justice because of dubious mortgage transactions.

max/dpa

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Rüdiger Grube: that is Why the rail-head threw his Post – WORLD

An the top of the track had almost expected a quiet Start to the week. On Monday, the expectation would be to extend the Supervisory Board of Deutsche Bahn (DB) the contract of CEO Rüdiger Grube (65) for a further three years. After that, Business as usual.

Previously, seemed to be all Soft. German Chancellor Angela Merkel (CDU) and Federal Minister of transport Alexander Dobrindt (CSU) had already signaled weeks ago that they wished for in the year of the election, no change at the top of the state group. And yet on Friday the personnel Committee of the DB Supervisory Board decided that the, since 2009 President of the management Board chief pit should remain after the expiry of his previous contract for a further three years in office. So by the end of 2020, when the mine is 69 years old. If the personnel Committee decides, it will be rubber-stamped usually in the Supervisory Board.

But not in this case. Contrary to the submission of the personnel Committee, the control Committee did not materialize on Monday in the DB-the large majority of which will be considered in such personnel decisions in the state of the group is necessary. Rather, it was at once by several members that it does not need to be an extension of up to three years. Two would suffice.

Grubes Meet futile

the pit of baff was and protested violently. Among other things, with the note, but that he had in return for those three years, an increase in its in eight years, unchanged salary and a severance payment in the event of premature departure dispensed with. But there was nothing to be done, it should only be for two years. Then mine decided quickly. He threw down, with immediate effect, so that he got rid of his Job on the day of the meeting of the Supervisory Board.

don’t Want to be only for two years, train-in-chief: Rüdiger Grube

source: Reuters

There was also the Minister responsible surprised: “This is, in fact, a so-unexpected twist,” said Dobrindt on Monday, lunch on the edge of a CSU Board meeting in Munich. “That it has been given at the end appears to be little willingness to agree on both sides, was not so recognizable,” added Dobrindt – but that there had been a behind-the-Scenes before, quite different opinions to the top personnel. It had been so Dobrindt cloudy, in the past few days, the “discussion” on pit.

What sort of discussions were the exactly, said Dobrindt. However, according to the “world”information, it has been on the Supervisory Board of the employer, i.e. the Federal and the Dobrindt Ministry, where those discussions were held. Here you had concerns because of the three years. Among other reasons, because mine could be a bit too old to make the rail for the digital age fit. Therefore, the policy could not harm it, pit a bit earlier to replace, so after two years of the extension.

Pofalla you not trust everything to

But because mine refused to act, it must already be looking for a successor. Whether or not the is actually Roland Pofalla, is unclear. The former Chancellery is the boss of an influential member of the management Board of DB, and in the longer term, his party wanted him to install the friends of the Union are actually at the top of the state group.



pit-withdrawal “has a history”

the resignation of The Railway Directors Rüdiger Grube came as a surprise. But there was a history, explains Nicholas Doll. Mine was in the last months of Mr in the house.

source: N24

But did not

but This means: The train has a strong peak figure is now missing. Just an interim solution is likely to be the former chief financial officer Richard Lütz, was charged on Monday with Grubes tasks Commissioner. Who’s going to make it in the long run is unclear – as unclear as the answer to the particularly in an election year, the pressing question of how the web of your for years-long crisis<./p>

This crisis consists of many individual problems. Far ahead of the slowly reducing delays in the movement of persons and the enormous cost risks involved in large-scale projects such as Stuttgart 21 is the biggest Problem of the transport of goods. Here, the DB is not competitive because to expensive, and the required rehabilitation of the Cargo group is not progressing.

A lucrative pillar of not bringing enough

the long-distance passenger transport is profitable. Because the billions in investment, renewed train fleet (double-deck-IC, – ICE 4) doesn’t make enough money. Although the trains are better utilized than a few years ago, but this passenger growth has been achieved mainly because of the web, more and more reduced saving throws Tickets on the market. This may be warranted in light of the long-distance bus competition, but diminishes the income. And as for the long-distance buses, the train made additional losses, as they adopted at the Urging of Dobrindts first of all, even in the long-distance bus market entry, but then with millions of loss.

all of these problems in the economy are exacerbated by the fact that a solid source of income is weaker. Namely, the regional transport. At the is actually constant and solid earn, because it is co-financed by the länder continuously. But The DB has lost in the last years in many regions of the respective tenders against private competitors. This is also why, but not only, because in the case of the Private staff of the trains, some of which are less well paid than in the state group.

mine had offers traditional in the face of all these problems, the role of the “Kümmerers”. Again and again he showed up at railway stations, selling tickets, talking with the employees and made delays, as well as the improvement of the often disastrous passenger information to the chief thing. That made him the friendly face of the web, but to the serious structural problems of the changed little. In this respect, it now appears, as a stick behind the revolt of the Supervisory Board, at least the feeling that you need for a real turnaround, a new leadership figure.

“testimony to the political failure of Dobrindt”

But who could it be? “Because there is no one who comes to mind immediately,” he said on Monday in charge of transport, SPD parliamentary group Deputy Sören Bartol. At least the requirement profile could define a party friend Bartols. Martin Burkert, Chairman of the Bundestag’s transport Committee, said was needed, now a railway chief, “quality and reliability” and the crisis-ridden freight transport subsidiary, DB Cargo “back on Track”.

That there is another personnel problem in the railway policy but yet on a top post, says the railway policy spokesman of the Green party, Matthias Gastel. And the owner, the Confederation, and the Minister of transport.

Gastel in Grubes sudden departure of a character, “that the Federal government as the representative of the sole owner, and the DB management Board is not more harmonised in the past few years”. Therefore, Gastel, Grubes resignation is also a “testimony to the political failure of Dobrindt”.

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Volkswagen: Christine Hohmann-dennhardt gets more than twelve million euros, … – MIRROR ONLINE


Christine Hohmann-Because Hardt register at Volkswagen: The Manager, leaving the car group after only a year, gets to a total of more than twelve million euros.

The Engagement of Christine Hohmann-dennhardt, the management Board of law and integrity in the VW-responsible, comes the car by the group. The former judge at the Federal constitutional court to get to a total of more than twelve million Euro of the group.

Hohmann-dennhardt can be expected with such a sum, because you are entitled to in addition to the salary for the 13 months of work, a severance payment in the amount of almost two year salaries. Add to that, the Wolfsburg-based car maker Hohmann-dennhardt had a compensation, was prematurely retired from the Board of management of Daimler, to go to the beginning of 2016 Volkswagen. They had waived claims against your Ex-employer in the millions.

In Wolfsburg should Hohmann-dennhardt, a crucial role in the workup of the Diesel scandal, play. In the case of Daimler, the lawyer, had worked previously in a similar function, as the Stuttgart group were advised after a bribery scandal in the crosshairs of the U.S. Department of justice. Your obligation by VW was seen as a Signal that it thinks the Wolfsburg-based company with his promise seriously, the backgrounds of the Diesel scandal enlighten.

For the early redemption of the Board of Directors wife after just a year in office company connoisseur offer two explanations. The first: Hohmann-dennhardt had lost the power struggle against the chief lawyers of Manfred Döss, has the trust of the owner families Porsche and Piëch, and the agreement with the US justice authorities. The second explanation: The former constitutional judge wanted to explain thoroughly.

a total of 197 posts

a Great contract. 12 million for a year. It’s called justice.

a Great contract. 12 million for a year. It’s called justice.

Well, at least apply such absurd financial practices for women… .

Well, at least apply such absurd financial practices for women… .

If I resign as an employee, my employment, my salary requirements with my last day of work. No wonder that for the cheated VW customers in Germany, no more money is available. Who is now a VW [...]

If I as an employee, my employment, my salary, quit claims with my last day of work. No wonder that for the cheated VW customers in Germany, no more money is available. Anyone who buys a VW product, the to not be of more help.

as Much severance pay after a year is just obscene. In what world do we live in?

as Much severance pay after a year is just obscene. In what world do we live in?

… you should vote because, over me, the hot desire for a real improvement in the income situation of the people, which allow such sums. Since you directly posthumous Communist could <[...] /p>

… you should vote because, over me, the hot desire for a real improvement in the income situation of the people, which allow such sums. Because you could be a Communist, directly posthumous.


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Inflation and interest rates: a rise in prices, interest rates, unfortunately, not – MIRROR ONLINE

no longer melted So fast the money of the savers in a long time. Inflation in Germany rose in January to 1.9 per cent – as high as most recently in July 2013. For consumers, this means: life is more expensive. And money loses value continuously, because you can buy less for it.

an inflation rate of around two percent is not a Problem – and also, historically, rather the normal case. Problematic Inflation is currently only because at the same time, savers in Germany get so little interest on their Savings like never before. For days money, according to the financial advice FMH is currently on average just 0.2 percent per year. For comparison: in 2012, as it is the least inflation rates above two percent gave, got savers on average more than one per cent interest on the money – the gap was so much smaller than it is today. Until 2010, it was even normal that the interest rates were higher than the inflation rate (see chart). By Saving you are actually rich.

Why is rising Inflation suddenly so strong?

Long was a to high Inflation not an issue at all. In the years 2014 to 2016, the inflation rate was extremely low. In the meantime, the prices declined even slightly – and Economists fear even a deflationary spiral of falling prices and wages. (Such as Deflation, you can see here in our graphic range).

the reason for the low inflation rates were especially strong case for energy prices. Oil, Gas and petrol were cheaper. And since they make up a significant portion in the consumer price index of the Federal Statistical office, the impact of the.

The energy also one of the main reasons are cost, consumer prices rise again. Since December 2015, the Oil price of 38 dollars per barrel has risen to around 55 dollars. Added to this is a statistical effect: The inflation rate is always measured in comparison to the same month last year – in the current case, i.e. for January 2016. And since then, prices have particularly fallen sharply and a low point reached, the distance today is all the greater. He is a whopping 5.8 percent. The rest of the year run is likely to weaken this effect, however, the gains will be correspondingly less.

But it is not alone the more expensive energy that drives the inflation rate up. Also foods were significantly more expensive. They rose 3.2 percent.

What does this mean for savers?

For savers in the Long-standing interest of the low by the rising Inflation even more unpleasant. Because if you have money in a Savings account, money market or savings account by horten, you not only get no interest on it. The money loses by Inflation, much of its value. The purchasing power decreases.

Out of this Problem, there are really only two ways out: Either consumers to stop saving and put your money instead in the consumption. Or you can invest it in stocks or real estate. This is the path embarked on in the past few years, many investors – and thus the so-called asset prices sharply in the amount driven. So here it is long since, the rate of Inflation.

when will interest rates rise again?

That interest rates are so low, for several reasons. One of them is the policy of the European Central Bank (ECB). It has reduced the so-called Prime rate to the banks to borrow at their overnight money, since the financial crisis of more than four to zero percent. On deposits of the banks you require even minus the interest. It also buys for the past two years, sovereign bonds of the Eurozone countries to press the interest rates.

With all these measures, the Central Bank, the level of interest rates in the financial market. It’s going down. Add to this, however, further development: in the World there are a lot more savings than credit demand. If no one needs the money of the savers to invest, then the price of this money is falling – it’s the classic law of supply and demand.

In the US you can watch just how both of these trends to reverse slowly. In anticipation of a debt-financed investment program, and tax cuts by the new government of U.S. President Donald Trump the investors in the financial markets on rising interest rates. At the same time, the Central Bank, the Fed has begun, the interest rates for the United States easy to raise.

The Euro-zone, however, is not yet so far. ECB chief Mario Draghi has recently indicated that interest rates will remain very low and bond purchases will continue, the Central Bank until at least the end of the year.

the main reason for the caution of the ECB is the weakness of economic recovery in the Eurozone – which is expressed in rates in many countries, with still very low inflation. In Italy, for instance, consumer prices have fallen by 2016 for the first Time in 50 years. It shows how strong the developments within the Eurozone: While Germany would now probably slowly increase interest rates, would be for other States is still too dangerous.

such As interest rates and why they rise or fall, also read in our Format Finally understand: As interest rates change the world.

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