What to invest, because this is mentioned, but without much risk. Do you buy gold or stocks of oil companies to be seen?

For 700 thousand PLN to meet their modest dreams, and to continue to wait, you will exiting. A 300 000 to give to charity – it is that person, who needs money for life-saving operations.
Of course, write a will

Bank deposits in a traditional and proven form of saving, and always worth accumulate, especially if such difficult times today – says Jacek Bead with eBroker.pl – Knowing that if it is sometimes important subject, we gathered in one location of the key questions on saving, which allow to check as a spare, and even if you do it more effectively with eBroker.pl

What is worth asking what you should consider investing the money? eBroker.pl suggests:

1) Is the interest rate is sometimes the most important?

Yes, because it is sometimes the interest rate is always the key to saving or investing, the amount and type of charge depends above all on our profit. Let us remember that investments have a fixed or variable, dependent on the decision of the Monetary Policy Council, and determined by its interest rates.

2) What role can have a method of capitalization of interest?

How it is calculated is sometimes another factor contributing directly to profit from investments. In the case of the so-called. capitalization day we can avoid paying the tax beams, where our daily income does not exceed 2.49 zł. Of course, if you want to invest the amount of profit that exceeded this amount, we divide it into several investments and still get paid no tax.

3) Are our profit from the investments we negotiate?

In many cases, especially for larger deposits is sometimes the possibility of obtaining higher interest, because certainly when we plan to locate in an institution financing a larger amount, you might want to ask.

4) What happens the minimum amount for which we can start to invest or put on the deposit?

The minimum amount is the amount you need to locate in the moment of the deposit or the monthly premium, if polisolokaty. Such amounts is sometimes highly variable, depending on the bank or institution with which we invest. Often amounts to a few hundred dollars, sometimes several thousands, although in some cases starts from 1zł. It is worth to check it out with the help of comparison: http://www.ebroker.pl/lokata-bankowa.html

5) What happens compound interest?

Compound interest is one of the most powerful inventions of the world of personal finance – allows us to be rich, no active operation. Its essence is sometimes the fact that interest income from that period is sometimes taken up in the capital and in the next period, we have once more capital, which pays the same with increased power. That is why we make sure that the interest obtained through us, the bank credited the money collected, or invests it in a separate account.

6) What can we polisolokaty or deposits related to insurance?

Remember that above all, save more – for polisolokat, we are exempt from the “Belka tax” regardless of the amount of monthly or one-off payments – it is sometimes the biggest investment of one day dominate over where the amount of deposited money is sometimes predetermined. An additional advantage is sometimes the insurance protection: in case of unexpected death – a person designated by us as endowed funds receive the full amount without paying tax on profits and donations – so if it has a point in the case of a bank deposit.

7) What is the difference between the deposits Polisolokata one day?

Because in the case of overnight deposits tax exemption due to rounding to zero, low-value tax be charged every day, in the case of the same design polisolokat substitute, “wrapped” in life insurance. Thus at the end of the contract will get the premiums paid plus a profit, without paying the road tax on accrued interest and using the percentage of folding.

8) When can we withdraw money?

Flexibility – means access to money to many people a key issue. Therefore, you should consider whether the preferred alternative will not wysokooprocentowane savings account, which gives us access to the money set without loss of interest on the payment.

9) Are bank deposits safe?

So, remember that bank deposits are primarily safety – deposits 000 to 100 are in fact guaranteed by the Bank Guarantee Fund to 100% of their value.

Checked by eBroker.pl: remember that saving, and investing more in alternatives requires some experience. If you want to check where to locate the funds with the highest profit potential, we can do it with a simple calculator is available at: http://www.ebroker.pl/lokata-bankowa.html

[Source: eBroker.pl]

A key to investing, and also simply to save money – sometimes choose the exact time of deposit. Why? Because early withdrawal the contract in most cases means you lose all interest, recover only the capital. Therefore, it seems a safe choice for 12 months – checked if it looks like the top 10 deals to the amount of 10 000 zł.

Bid with eBroker.pl comparison of 26 January 2011: (Appendix – Figure 2) Remember that bank deposits are primarily safety – deposits to 50 000 are in fact guaranteed by the Bank Guarantee Fund up to 100% their value. What else has a security matter? Type of interest – here we can choose between fixed and variable – which sometimes depend on the decision of the Monetary Policy Council and increasing / decreasing interest rates. Capitalisation of interest – when it takes place every day (ie deposits with a capitalization daily), then we can avoid paying the tax beams, where our daily profit not exceed 2.49 zł. Of course, if you want to invest the amount of the profit exceeded by the sum can be divided into investment and still make money without tax. Flexibility – means access to money – so you should consider whether preferred alternative will not wysokooprocentowane savings account which gives us access to the money set without loss of interest in the case payment. Checked by eBroker.pl: remember that saving, and more investing in alternatives requires some experience.

If you want to see where to locate the funds with the highest profit potential, we can make it through a simple calculator is available at: http://www.ebroker.pl/lokata-bankowa.html
[Source: eBroker.pl]

Gone are the days when money deposited in the bank – in recent months, following the crisis in the financial market it’s time to invest in “exotic assets.” It is therefore interesting means of diversifying our portfolio and multiplying your capital may be emotional investment in assets: the best wines, old paintings and sculptures, studs and classic cars.

According to The Guardian, which at the beginning he prepared a summary of the alternative investment market in the last decade shows that it is investing in classic cars brought next to the art of wine and some of the biggest gains in recent times. Investing capital in classic cars can thus ensure a stable and permanent zysk.Analitycy portal Wynajem.pl found that investing in Poland classic cars is still quite popular. Only a keen collectors and hobbyists appreciate this way to invest their capital. Although that the old car market is huge potential for an even larger, and annual turnover in this sector amount to hundreds of millions of euros on this interest lovers narrows to a dozen mainly the most desirable brands world. Rolls-Royce, Ferrari, Jaguar, BMW, Aston Martin and Porsche dream of many a classic car collector, who comes from assumption that the older the vintage, the greater the profit. Obviously, the most looking for models come with pre-war period, production, and these are called. oldtimers, namely pre-war work, but apart from them, enjoying the recognition classic cars from the second half of last century and a brief, limited, elite-class cars supercars series, which is a small collection of contemporary models of luxury cars like the Bugatti Veyron or Lamborghini Edo Audigier.Europejski the market for antique cars and parts for them is estimated at nearly 20 billion a year, and the value of collectibles models vehicles is gradually rising (10% per year). Importantly, this market is quite liquid, and increasingly organized hundreds of auctions, stock exchanges and markets. Thousands the buying and selling collectibles units per annum exclusive takes place mostly in the prestigious listing, but primarily on the most famous fairs the Techno Classica in Essen.

Only when they are April of this year’s edition presents more than 2500 vehicles. There were any of the major manufacturers, among which include brands such as including BMW, Audi, Mercedes-Benz, Ferrari, Citroen, Peugeot, Porsche, Skoda, Bentley, Bugatti, Volkswagen and many others. Interesting exhibitions prepared until 230 German clubs which have submitted their favorite vehicles unusual scenery. Visitors can see the mechanics at work restoration of the historic vehicle and for yourself to assess what is required effort and outlay of cash. During these parties that you can buy details of almost every car ever produced in the world. The only problem is price, because we have to admit that often the smallest, but the original detail, it can cost up to several hundred euro.Jeżeli vertigo may cause the price of the original parts are restored, collectors copies of classic cars will cause many a headache in a passionate, because oscillate in the range of 20-30 thousand. to 2-2.5 million for unique models. Among most developed markets can be mentioned: the countries of Western Europe and U.S., South Africa and New Zealand, but also in Poland you can find the pioneers and activists avid collector. The most expensive models include include: the pre-Astony Martina, BMW, Bentley, Jaguar, Bugatti, Horch, Mercedes and Maybachy. Also the Polish car market can boast brands, which specimens from one day to acquire value: Mermaid, Warsaw and Midget cars are just a few noteworthy. Polish collectors and enthusiasts motoring sites imply clubs, associations, and even museums. In one them a real rarity for viewers is the ZIS – Convertible Joseph Stalin Mercedes 170V Loda Halama and many other cars, which were used by Elvis Presley, Marilyn Monroe Kiepura. These vehicles are experiencing its second youth. Restoring all of which are in accordance with the rules applicable to the period of their inception and continues to increase in value. Experts say most will be drożeć short series of luxurious pre-war and post war models, but produced for the 60s Definitely more you pay for convertibles, and significantly increases the value of the monument, when it utilized well-known person: Head of State, Pope or the famous artist. The price increases also issued a certificate of authenticity by the experts team of the Polish Association of Historic Vehicles Maciej Motorowego.Zdaniem Pedy – Polish collector cars and co- museum of vintage cars – to invest in classic cars is increasingly more common. Actual specimens can still be found on the web auctions, but above all must be sought through a number of clubs holders of brands. Very good place to search for old cars are The United States and United Kingdom, which offer a lot of interesting and suitable the restoration of copies. Jan pedal – one of the pioneers collecting vintage vehicles in Poland, whose success on the floodplain impossible to describe in a few sentences added that the market for classic cars in Poland is quite broad. Well you can see an example of our museum collections which are increasing every year with new exhibits. Gradually, we try to to enrich the collection, as well as maintaining the exhibits in good condition. We participate in several events to promote the old automotive, our exhibits are also found in the films. Suffice it to say that John pedals with their restored cars took part in many prestigious races: Mille Miglia, twice crossed the Alps in the Lorraine-Dietrich and is indisputable authority when it comes to the practicality of rebuilding cars zabytkowych.Jeszcze until recently, were collectors of old cars closed social group. Today the situation has changed significantly, as evidenced the crowds are coming to the auctions, large groups visiting the exhibition, and operating where hundreds of transactions. However, not everyone can afford to buy the car restored.

Antique automotive enthusiasts are mostly wealthy collectors expanding their collections, but also chilly Calculating businessmen, numbering for profit. Few people can afford to buy a renovated, luxurious vehicle, which is why most of the places to buy ramshackle cars and self- reconstruction, including finding the passion and life’s “calling” – We are passionate about, do not collect cars for the money, and for their selection be guided by the designed for this purpose in the future, capital and value for money, if once there was a need to sell. Just the cost of rebuilding antique cars, or classic are so high that investing in the reconstruction of the popular car never recover the money invested there – says Maciej Peda.Inwestycje in classic cars is growing only in Poland but now This will soon pasjonacki movement can be very good way to profit. Although the Polish collectors do not treat their specimens as “Real” capital investment, market advice takes into account such a possibility, as evidenced by the establishment of the fund specializing in investments alternative that offers its customers the opportunity to invest in cars classic. Low correlation with traditional forms of investment and usability acquired assets, make capital investment of this type may be interesting alternative compared to traditional methods, and how ordinary investment. Antique cars become “financial products” that’s automotive works of art, which require care and knowledge, and proper treatment. They are totally different than modern, mass-produced car, and collecting them is not only passion but also a serious and profitable investment.

Joanna Babiś
Wynajem.pl

Zgodnie z założeniami, Banki Strukturyzujące mają czas do końca czerwca 2010 roku, aby we współpracy z Polskim LNG SA, OGP Gaz System SA oraz instytucjami finansowymi określić ostateczną strukturę finansowania i przygotować dokumenty niezbędne do zamknięcia finansowania. Zamierzeniem jest, aby finansowanie budowy terminalu gazowego LNG było realizowane w formule Project Finance. Wedle dotychczasowych wstępnych ustaleń będzie ono pochodzić ze środków własnych sponsora projektu tj. OGP Gaz System SA, dotacji europejskich oraz finansowania udzielonego przez banki komercyjne i międzynarodowe instytucje finansowe. Całkowitą wartość projektu szacuje się na ok. 4 mld PLN, z czego banki komercyjne mają zapewnić ok. 2 mld PLN.

– Bank Pekao SA jest jednym z niewielu banków w Polsce, który jest w stanie podjąć się realizacji tak dużego i ważnego dla polskiej gospodarki projektu. Nasze doświadczenie w zakresie finansowania strukturalnego i solidna baza kapitałowa jaką dysponujemy sprawiają, że jesteśmy naturalnym partnerem dla największych instytucji przy ich strategicznych projektach – powiedział Andrzej Kopyrski, Wiceprezes Zarządu Banku Pekao SA, odpowiedzialny za Pion Bankowości Korporacyjnej, Rynków i Bankowości Inwestycyjnej.

Sponsor projektu OGP Gaz System SA jako spółka Skarbu Państwa odpowiada za bezpieczeństwo dostaw gazu ziemnego strategicznymi sieciami przesyłowymi. Polskie LNG SA jest spółką celową powołaną do budowy i dalszej eksploatacji terminalu skroplonego gazu ziemnego w Świnoujściu. Z dotychczasowych ustaleń wynika, że użytkownikiem terminalu odpowiedzialnym za dostawy skroplonego gazu ziemnego do Świnoujścia, a następnie jego odbiór z instalacji, będzie Polskie Górnictwo Naftowe i Gazownictwo SA będzie. Powstanie terminalu LNG pozwoli na odbiór gazu ziemnego dostarczanego do Polski drogą morską praktycznie z dowolnego kierunku na świecie, przyczyniając się do zwiększenia bezpieczeństwa energetycznego kraju.

Bank Pekao SA działa od 80 lat i jest jednym z największych banków Europy Środkowo-Wschodniej i wiodącym bankiem w Polsce pod względem kapitalizacji rynkowej. Dysponuje drugą co do wielkości siecią oddziałów (ponad 1000 placówek w całym kraju) oraz siecią ponad 3 800 bezpłatnych bankomatów w Polsce i 19 000 w całej Europie. Bank Pekao SA ma ponad 5 milionów klientów, a w swoim dorobku wiele nagród, m.in. trzykrotnie zdobył tytuł Best Bank in Poland w roku 2005, 2008 oraz 2009 przyznawany przez magazyn „Euromoney”, Ruban D’Honneur w kategorii The CMS Business of the Year w ramach European Business Awards 2008, Best Bank in Poland 2006 oraz 2009 magazynu „Global Finance” oraz trzykrotnie Bank of the Year in Poland magazynu „The Banker” (2009, 2008 i 2004 rok). Bank Pekao SA należy do Grupy UniCredit, która jest obecna w 22 krajach, zatrudnia 180 tys. osób i obsługuje ponad 40 mln klientów w ponad 10 300 placówkach.

Masowy odwrót inwestorów od ryzyka akcji i surowców sprawił, że dolar zyskał na wartości przebijając ważną granicę. Także złoty znalazł się powyżej 4 zł za euro.

Ani dane makroekonomiczne z USA ani konferencja EBC po decyzji w sprawie stóp procentowych nie zapowiadały, że dolar będzie znów mocno zyskiwał względem wspólnej waluty. Zamówienia na dobra trwałego użytku w grudniu w USA wzrosły o 1 proc., czyli sporo więcej od przewidywań. Z kolei prezes EBC Jean Claude-Trichet zapowiedział, że ufa temu, iż Grecja spełni swoje obietnice dotyczące obniżenia długu publicznego.

Wzrosty dolara, czy raczej awersja do ryzyka, nieco zaskoczyły. Inwestorzy na całym świecie wyprzedawali akcje i surowce (WIG20 stracił ponad 4 proc., amerykańskie indeksy spadały o ponad 2 proc.), a kupowali bezpiecznego dolara. Z pewnością podłożem pod te zjawisko wciąż jest Grecja i tamten rejon geograficzny, wydaje się jednak, że rynek już wczoraj dyskontował dzisiejsze informacje z rynku pracy w USA.

Eurodolar przebił się wczoraj przez poziom 1,38 i jego zejście poniżej 1,37 będzie kolejnym wyraźnym sygnałem do obecnej dominacji ?zielonego” nad wspólną walutą. Odwrót od ryzyka sprawił także, że na wartości tracił złoty.

Naturalne jest, że najlepiej widać to było na parze USD/PLN. Za dolara płacono wczoraj 2,95 zł, co równocześnie jest oporem przed dalszym spadkiem naszej waluty i prawdopodobnie ostatnią granicą przed okrągłym poziomem 3 złotych. Można więc wnioskować, że przynajmniej do danych z USA, dziś złoty powinien odbić się w dół.

Długa biała świeca pojawiła się również na wykresie EUR/PLN. Kurs z łatwością przebił granicę 4 zł, a potem jeszcze 4,05 złotych. Słabość naszej waluty wynikała z czynników zewnętrznych, rynek był wczoraj nieco paniczny i chaotyczny, kierował się instynktem.

Bardzo ważne będą więc dzisiejsza dane zza oceanu, które mogą być dalszym akceleratorem do wzmocnienia się dolara. Podaż złotego powinna tymczasem nieco zelżeć i technicznie odbić się od wczorajszych oporów. EUR/PLN powinien więc powrócić w okolice 4 zł, a dolar do 2,9 złotych – przynajmniej do godz. 14.30, gdy poznamy informacje z USA.

Paweł Satalecki, Analityk Finamo