Thursday, April 14, 2011

scheidung news deutschland 04(2)/2011

Roberto Blanco, Schlagersänger will seine auf einer Seychellen-Insel geschlossene Ehefrau mit Luzandra auf einem deutschen Standesamt legalisieren lassen. "Das haben wir uns in einem Ehevertrag gegenseitig geschworen. Sobald die Scheidung von Mireille rechtskräftig ist, werden wir das nachholen", sagte der 73-Jährige der "Bunte". Kinder plant das Paar nicht. "Wenn Luzandra es gewollt hätte, schon. Aber eigentlich möchte ich die Jahre, die mir noch bleiben, ganz meiner Frau widmen", sagte Blanco.




Fast jede zweite Ehepaar geht auseinander in Deutschland. Und eine Scheidung kann je nach scheidungstyp teuer werden. Mit welchen Tricks Ex-Partner um den Unterhalt kämpfen. Gerechnet 500 Scheidungen pro tag



Die europäischen Justizminister haben sich auf eine neue Grundlage für die Scheidung von Ehen geeinigt, in der Mann/Frau aus unterschiedlichen Ländern kommen. Beide sollen so besser zu ihrem Recht kommen.




Falls einer der Partner der Scheidung nicht zustimmt, muss der andere vor Gericht beweisen, dass die Ehe „zerrüttet“ ist. Ansonsten kann die Ehe erst nach drei Jahren geschieden werden. Überzeugen die Gründe der Zerrüttung das Gericht, kann die Ehe auch gegen den Willen eines Ehepartners geschieden werden. Ein Grund kann auch eine neue Partnerschaft sein, die sich erst nach der Trennung ergeben hat.



Nur die wenigsten Scheidungen arten zu einem Rosenkrieg aus und das kann teuer werden ca. ab 3500 euro oder 5074.2538 US-Dollar kurs von currency converter, 14 April, 2011 Berechnung. In den meisten Fällen haben beide Parteien ein Interesse daran, die Trennung auch formal unkompliziert und günstig abzuwickeln.

Friday, April 8, 2011

European Crisis

PIMCO chief: Europe debt in 'crisis'(4:53)12:11pm

CEO Mohamed El-Erian says Europe's debt is in a crisis, and discusses how Asian economies are trying to slow rapid growth.




Stiglitz: Spend smarter and more()Mar 31

The economist says we need to invest in areas that have higher returns, like infrastructure, and this will create a stronger future.




Stiglitz: Tax the rich(04:17)Mar 31

The economist says the upper 1% has to be taxed more; they have 'close to a quater of all the income and 40% of all the wealth.'



Why Microsoft struggles to innovate(4:04)Mar 29

Former Microsoft COO Robert Herbold says preserving Windows and Office stopped the company from innovating in mobile.




Watchdog: TARP will lose up to $50B(6:38)Mar 25

The outgoing Special Inspector General of TARP says that even though most banks are repaying the government, TARP will lose money.




Why is Japan's yen so strong?(4:10)Mar 18

The yen is strong versus the dollar after the earthquake but Japan's debt levels could hurt the yen in the long run.




Rep. Ryan: Free health care is costly(2:36)Mar 18

The Republican House Budget Committee chairman says consumers will benefit if they share costs with health care providers.



Rep. Ryan: Tax hikes will crash economy(2:59)Mar 17

The Republican House Budget Committee chairman says the government needs to focus more on cutting spending rather than raising revenue.



Democrat takes aim at tax brackets(3:47)Mar 16

Illinois Rep. Jan Schakowsky proposes raising taxes on the wealthy and creating new tax brackets for millionaires and billionaires.




John Kerry's plan to rebuild America(5:25)Mar 15

Senator John Kerry, D-Mass., proposed an infrastructure bank that will join public and private loans for national improvements.

Nigeria's Economy

The Nigerian economy is one of the most developed economies in Africa. According to the UN classification, Nigeria is a middle-income nation with developed financial, communication and transport sectors. It has the second largest stock exchange in the continent.


Labor force

47.33 million (2009 est.)

Labor in agriculture

70%

Budget revenues

$10.49 billion

Budget expenditures

$18.08 billion (2009 est.)

Industrial production growth rate

-1.8% (2009 est.)

Current account balance

-$9.394 billion (2009 est.)

Exports

$45.43 billion (2009 est.)

Imports

 $42.1 billion (2009 est.)

Foreign exchange reserve

$46.54 billion (December 2009 est.)

External Debt

$9.689 billion (December 2009 est.)

Data on First bank Nigeria:

First Bank Nigeria Aba Alaoji Layout Branch, Abia

Bank Abia, Nigeria

Bank Nigeria



Oil-rich Nigeria has been hobbled by political instability, corruption, inadequate infrastructure, and poor macroeconomic management but in 2008 began pursuing economic reforms. Nigeria's former military rulers failed to diversify the economy away from its overdependence on the capital-intensive oil sector, which provides 95% of foreign exchange earnings and about 80% of budgetary revenues. Following the signing of an IMF stand-by agreement in August 2000, Nigeria received a debt-restructuring deal from the Paris Club and a $1 billion US Dollars or 694.9 Million Euros on currency converter date: April 8, 2011 credit from the IMF.

GDP (purchasing power parity):

$369.8 billion (2010 est.) 

country comparison to the world: 32

$346.2 billion (2009 est.)
$327.9 billion (2008 est.) 

note: data are in 2010 US dollars and Euro 

GDP (official exchange rate):

$206.7 billion US Dollars (2009 est.) 

Divorce Rate Information & Expenses on bigger economy

The divorce rate in America for first marriage, vs second or third marriage
50% percent of first marriages, 67% of second and 74% of third marriages end in divorce, according to Jennifer Baker of the Forest Institute of Professional Psychology in Springfield, Missouri.




The divorce rate in West Germany was in the year 2003 with 43,6%, in East Germany about 37,1%. The divorce rate of re+married is indicated (1984) for men as 61%, for women as 54%.
In Austria 2004 46.1 per cent of all marriages became divorced - 60.1 per cent in Vienna, 36.5 per cent in Kärnten in the year. It is even easier to divorce in Germany where people can apply online in german terms Scheidung or Online Scheidung.




Divorce rate in Australia in around 40%. Meaning, about 40 percent of marriages can be expected to end in divorce. Adding a small fraction for marriage breakdowns which are never formalised by divorce,it is estimated that about 43 per cent of marriages end in separation within 30 years of the marriage.

Divorce rate in Australia stands at around 3 divorces per 1000 marriages. Census records show that more than 55,000 divorces were granted in 2001. There is an Official site made by Government making divorce Official.




Accoring to The Department of Justice, Child Support Initiative, Evaluation Report, August 1997, divorce rate in Canada is about 48%. What it means is, one marriage out of every two marriages end up to divorce. But remember that for many, divorces and marriages are repetitions.




According to the Office of National Statistics, divorce rates in the UK have risen over the past three years since falling back from the level reached in 1996. The total number of divorces in England and Wales last year was 153,490, working out at 13.9 divorces per 1,000 married people. This rose from 13.4 in 2002.




Japan divorce rate is approximately 27%. One in every four marriages ends up to divorce. According to Reuters, The number of divorces annually has almost doubled since 1990, with 264,000 couples formally breaking up in 2000. From 2000 to 2004, there is a little bit drop in the divorce rate in Japan.

If we compare the japan divorce rate with the divorce rates of the other countires: Divorce rate per 1000 couples.




US Divorce Expenses

The 2004 State of Our Unions report reveals that "marriages that end in divorce also are very costly to the public. One researcher determined that a single divorce costs state and federal governments about $30,000 US Dollars or 20,846.72 Euros converted from currency converter based on such things as the higher use of food stamps and public housing as well as increased bankruptcies and juvenile delinquency. The nation's 10.4 divorces in 2002 are estimated to have cost the taxpayers over $30 billion."

How should a divorcing couple deal with expenses?

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Thursday, April 7, 2011

Tandag Bank Information

The Rural Bank of Tandag (SDS, Philippines), Inc. is located at the municipality of Tandag, the Capital Town of Surigao del Sur.  The certificate of authority granted on March 8, 1972 by the Monetary Board, Central Bank of the Philippines, Manila.  The operation started March 13, 1972.

 

The bank started with an Authorized Capital  Stock of ONE MILLION PESOS (1,000,000.00) Pesos or Philippine Currency or 23,182.45 US Dollars (basing currency converter), divided into 5,000 shares of Common Stock with voting rights and 5,000 shares of preferred stock,  both at par value of ONE HUNDRED PESOS (P100.00).  It was composed of eight (8) incorporators/ stockholders with five (5) boards of director.  THREE HUNDRED THOUSAND PESOS in figure 300,000.00 Philippine Peso or 6,954.7358 US Dollars (basing currency converter) was subscribed capital stock common and had a paid up capital of 200,000.00 pesos. Mrs. Gloria O. Ty was the Treasurer in-Trust until she was elected as President and Chairman of the Board.

Rural Bank of Tandag is Listed in: Bank, Money or Currency Changer | Transfer in PHILIPPINES

In the year 1989, the bank applies for an increase of capitalization in the amount of P4,000,000.00 making the total capital of P5,000.000.00 divided into 20,400 shares of common stocks with voting rights and 29,600 shares of preferred stocks both at par value of PESOS: ONE HUNDRED (P100.00) and was approved last January 30, 1990.

 

In the year 1994, again the bank applies for an additional increase of capital in the amount of 10,000.00 making the total capitalization of PESOS: FIFTEEN MILLION (P15,000.00)divided into 100,000 shares of common stock with voting rights and 50,000 shares of preferred stock, both at par value of ONE HUNDRED (P100.00), and was approved last October 21, 1996. At present , the bank has Thirteen (13) Stockholders with nine (9) Board of Directors, headed by Mrs. Gloria O. Ty, President and Chairman of the Board.

 

Mr. Vicente C. Egnora was the first manager until May 1992.  The bank’s total resources was THIRTEEN MILLION FIVE HUNDRED THOUSAND (P13.5M) with a total Net worth of ONE MILLION ONE HUNDRED THOUSAND (P1.1M)

 

Mrs. Azucena L. Auza assume as manager until she retires last January 15, 2002.  The bank’s total resources amounted to PESOS: TWENTY SEVEN MILLION (27M) with a total Net worth of PESOS: FIVE MILLION (P5M).

 more Information related to Rural Bank of Tandag are as follows

bank tandag

bank tandag city

rural bank of tandag

As of March 31, 2007 the bank’s total resources amounted to PESOS: SIXTY MILLION or in figure 60,000,000 Philippine Peso or 1,390,947.15 USD as of April 7, 2011 conversion basing currency converter with a total Net Worth of PESOS: ELEVEN MILLION FOUR HUNDRED THOUSAND (P11.4M).  Presently the bank engaged in Microfinance Loan Program under the supervision of a new Manager Mrs. Carmelita L. Cantalejo.

Wednesday, April 6, 2011

The economy and the harbour

Hamburg places second as the largest container harbour in Europe and seventh world-wide. It‘s only 120 km away from the high seas and is able to accommodate the largest container ships the world has to offer.

Hamburg Harbour is the central hub for trade with Eastern and Northern Europe.

Nett Income in Hamburg is the Higher compared to other Cities or States in Germany Average 23,366.00 Euro or 33345.69 USD (basing currency converter).

A lot of International bank are in Hamburg because of its Economy, one of those is Philippine National Bank (PNB) Hamburg, Germany. More links followed Below

pnb hamburg

pnb germany

pnb deutschland

As a container harbour, Hamburg takes second place in Europe and seventh place in the world. It is 120 km from the North Sea, but can accommodate the largest container ships in the world.

Its inland location and excellent rail, water and motorway connections, make Hamburg very attractive. Trade with the Baltic Sea region alone accounts for 25% of port turnover.

As a trade and transport metropolis, Hamburg has more than 90 consulates460 companies from Asia have their European headquarters or a branch office in Hamburg. With the HafenCity, an ultra-modern commercial and business district is currently being built directly on the Elbe river.

Hamburg is also a location for highly specialized industries. It is a leader in medical technology and biotechnology and is one of the world centres for aircraft construction: it is here that the wide-bodied A380 is being built.

The mail-order firm Otto-Versand and Helm AG(chemicals) are market leaders throughout the world. Whoever plays on a Steinway, rubs in Nivea or writes with a Montblanc fountain pen, uses a Hamburg product. Hamburg press products are read throughout the world and in all languages.

 

2-month budget gap at a low P8.1B

MANILA, Philippines - Government expenses in February went over the budget by P21.5 billion Pesos = 340.86 Million Euro (basing currency converter) , down from the year-ago deficit of P33.2 billion but reversed the budget surplus posted in January.
This brought the budget deficit for the first two months to P8.1 billion.
The shortfall was “way below the P52.3-billion ceiling for the (first two months of the year) and a big improvement from the P70.3-billion deficit posted in the same period last year,” Finance Secretary Cesar V. Purisima said.
Purisima said the national government posted a primary surplus of P0.7 billion for the month, which was the seventh consecutive month under the Aquino Administration(better Budjet Management). This meant that a primary surplus was recorded every month since the new government assumed office last July which is blurry.
The government’s fiscal position, when reckoned without interest payments, yields the so-called primary surplus or deficit.
“Primary surplus for the first two months of the year amounted to a total of P50 billion Pesos or 811.59 Million Euros (basing currency converter),” the finance chief added.
January-February expenses reached P224 billion, or 6.4-percent less than the P239.4 billion incurred in the same period of 2010.
Revenues for the first two months reached P216 billion, or 27.8 percent higher than last year’s P169 billion.
The Bureau of Internal Revenue contributed P128 billion, up 10.7 percent from year-ago collections of P115.6 billion. The Bureau of Customs chipped in P39.1 billion, up 9.7 percent year on year from P35.7 billion. The Bureau of the Treasury turned in P33.6 billion, which was more than four times the P8.2 billion earned a year ago.
Other government offices yielded P15.2 billion, up 59.6 percent year on

year from P9.5 billion.
In February alone, expenditures reached P101.5 billion, lower by 7.6 percent than the P109.9 billion spent in the same month of 2010.
Total revenues reached P80 billion, an increase of 4.4 percent from P76.7 billion.
Of the total, the BIR chipped in P53.4 billion, which was 4.8 percent higher than the year-ago P51 billion. Customs contributed P18.1 billion, an increase of 30.5 percent from P13.9 billion. The Treasury turned in P2.6 billion while other offices yielded P5.4 billion.

Bank budget are from the link below.
Philippine National Bank (PNB) Agoo Branch, Consolacion, Agoo
pnb Agoo branch
pnb consolacion
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