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Almirall presented a few days ago third quarter results and of course it shows the effect of the measures being taken by the Administration to cut drug costs, so that sales are down by 12.5% ​​and earnings by 23 standard does, 1%. But despite this shows is an excellent company with good managers who are taking appropriate measures to adapt to the new situation and from 2013 to resume growth. The proof of this is that despite the cuts that I said the margin of profit before sales tax is 15.44% and higher would not have the extraordinary losses. An excellent example of what we have company that is in its solvency ratio, over 56%, good liquidity available in debt and how little it is.

Since it went public in 2007 the company has grown in an orderly and sales outside Spain have risen from 34% to 50% and continue to grow with new product launches planned for 2012. Then there is also undergoing a process of rejuvenation of its product, as I said before and, so says the company will allow you to resume the growth path in 2013, but as they are realistic, they admit that 2012 is not going to be good and surely the benefit will continue to fall.

This year will finish with a net profit per share of around 0.70 euros, but if we consider the extraordinary results and apply appropriate tax rate, profit at the end of 2011 could be around € 0.52 and cash flow of around 0.90 euros. Results do not justify the price that is trading now, so it must be assumed that the market is advancing worse results for 2012 as the company also hopes that the presentation of the results of this quarter tells us that expected that in 2012 reducing the benefit is lower than this year that is 23%. Read the rest of this entry »

If you have some money saved and want to gain additional investment is your best option. But if you do not know to invest, or do not feel confident about your knowledge of it, here are some tips to help you get the most out of your money.

An investment is not easy as well as to minimize the amount you have, every investment involves some risk and have no one like to lose your money. But according to the way they invest, that risk can be decreased to no longer be an obstacle for your investment.

Therefore it is best to invest in what you know. There are many places to invest our money (stocks, bank deposits, debt, real estate, bonds, etc..). If you have any fondness for that is the ideal place to invest. That’s the best way to be fully aware of how things work.

But if you’re not familiar with any investment, the solution is to inform specialists. Has a relative, friend or acquaintance, you can even get help in your confidence bank. But never let yourself be guided by the opinion of a stranger.

Another tip for investors always diversify. If you bet all your money in a sector is totally conditioned to it. If instead, invest smaller amounts in various sectors have greater strength.

You always have to keep track of your money. For more than an investment has a high safety margin, you should always control it. Be informed about the direction of the economy can give you several advantages when investing.

All investment is profit, but could also bring losses. You must be aware of it and take it. If you turn to lose this time, keep in mind that the next touch you back and make money. Do not despair about it.

Investments usually have a deadline you just start to feel the profits. Be patient, but stay informed about your money and the economy during that time. With these tips your investment will be safer. Invest your money and enjoy your winnings.

In recent weeks we have learned that there is a Deposit Guarantee Fund guarantees to holders of deposits up to an amount of 20,000 € (later extended to 100,000 €). But the funds are covered by this warranty?

Definitely not. Investments in stock or made ​​through funds are paid by the investor, either a small saver or an institutional investor: he runs the risk of depreciation of assets because the investment is yours. Investment funds and pension plans outside the bank balance and are always therefore assets of the customer.

The bankruptcy of a securities firm does not imply the loss of money, unless, by mistake or bad faith, the parent company is not in possession of client assets entrusted to its management. This is simply a scam.

In these cases there is a guarantee fund companies and brokerage and portfolio management companies, known as Fogain and created as a result of fraud Gescartera. Coverage of 20,000 euros per customer and is activated only when society is, therefore, in an insolvency situation recognized by the CNMV.

These guarantee funds will only respond if the shares or bonds are blocked and the client can not recover. But the impairment losses are irreparable, and that escape regulation by the CNMV. The surrender value, therefore, is that resulting from the sale of assets in which the saver has invested at market prices, all the way above € 20,000. Which can mean a significant loss of value.

A point deserve special bonds issued by Lehman Brothers : The Spanish Fogain not protect customers who bought these bonds, it has broken the bank issuing the same, not the manager or broker that manages local. This is a write-offs …

Spanish businessmen are more optimistic than Europeans on the evolution of their business prospects. It is the conclusion drawn from a survey conducted by the Chambers of Commerce more than 80,000 businesses, of which 10% were Spanish. But the increase in sales is so positively since the franchise industry?
The report on the Status of Franchise prepared by Tormo & Asociados, this sector continued solid growth in 2007, but due to economic conditions, its evolution was not as positive as that experienced in previous years. Still, experienced increases in turnover, investment, number of establishments and employment generation, and this kind of business accounted for almost 15% of the total turnover of retail trade.
Although the percentage is lower than in 2007, one of two Spanish businessmen hoped that improved domestic sales, the study of Chambers of Commerce. The franchise dedicated to the service sector experienced adjustments in 2007 and achieved a turnover of 3.672 million euros, but the trade performance, however, stood out as the most positive and revenues of more than 10,000.
Sectoral Reviews
The economic recession which we are not hit equally to all sectors. Javier Herrero, Head Expansion Camu House restaurant chain, for example, is as optimistic as the employers surveyed by the Chamber of Commerce. “The hotel is a religion in Spain and even rise in interest rates or prices, people will not be removed out to lunch or dinner with friends.” According to Smith, in your company increased its sales in 2007 nearly 30% and expect that this year the numbers continue to be beaten.

The franchise dedicated to the subject property or home are the most pessimistic about the evolution of their business, but still, it seems that bad luck will soon pass. “We have noticed the slowdown in the housing sector in the last quarter of 2007, but it seems that the sale and is third best and most stable of our stores are going up,” said Isabel Rubio, Head of Marketing, Bo Concept, dedicated to teaching furniture design.

On the other hand, the survey of Chambers of Commerce points to a further slowdown in trade for the first quarter of this year. Richard Thomas, Head of Expansion of fashion franchises Tribune, agrees. “I’m not as optimistic as those surveyed for the development of trade and, specifically, the insignia of fashion, is now slower.” He said the process has slowed over the past four years.

Business Confidence Indicator
Chambers of Commerce found in its report of business confidence indicator that indicates that weak demand has now become the limiting factor for further activity, instead of increased competition, which was the core makes one year.
Javier Herrero, Casa Camu, demand is still “more or less the same.” As for competition, he says, what remains “is to compete with the weapons you have at your disposal such as quality, price, treatment of the public or originality.”
From Tribune, Richard Thomas, however, does not agree with the results of this indicator of business confidence. “If the business evolves more slowly is more to the recession that the skill with which you are.”

Investment and employment generation
The survey of employers shows discrete perspectives investment and employment generation in sales.
“We continue to invest in fashion franchises and will continue generating jobs, but the crisis will be felt in a reduction of these two factors,” says Richard Thomas.
According to a report by Tormo & Asociados of franchise, employment generation grew more moderate in 2007 (5.2%) due to more modest results.

“The major complication with which we are in the hospitality industry is the subject of personal and high turnover in our stores,” says Smith, Casa Camu. “There may be a slowdown in employment in our sector, but far from bad, can make you feel better service quality and to achieve greater professionalism and commitment.”
The investment, according Tormo & Asociados, it recorded a significant growth (9.8%) due to the fact of incorporation to the development of franchise chains with high investment requirements for establishment. “With regard to investment, says Smith, our company must adapt itself to the economy of time and we decided to lower the financial claims on issues such as entry fee.”

There are different types of investment funds, and then review the accurate definitions according to the dictionary in funds and their attributes. We will start to establish that there are about 20 different types of investment funds. Then we will see the most important.

MONEY-MARKET or Investment Fund with assets of the Money Market is the fund in which are invested assets of money market, which refers to fixed-income assets with a maturity of 18 months or less.

IFI or Investment Fund Real Estate that is the fund which invests exclusively in the real estate sector whether housing, commercial premises, offices, etc.

FIM or Fund Investment Trust that is the fund that invests in securities either short or long term.
Cumulative Fund or Capitalization is the type of fund in which they reinvest all interest and dividends.

Fund of Funds is the fund where reverses the heritage normally in shares of other investment funds.
Pension Funds is the fund where there is a heritage that implements a pension plan with a policy of investment in particular.

Fund of Fixed-Income is the fund that invests in fixed-income public and/or private level either national or international to deadlines, usually greater than a year. It is in Treasury Bill, bonds, the State, etc.

Fund of Variable Income is the fund in which invests in shares of companies either to national or international level.
Fund allocation is the bottom where is the breakdown among the participants of the interest and dividends that generates the same investment from the fund.

Dynamic Fund is the fund which is based on a methodology which is based on the profitability in absolute terms, where it is assumed some risk through arbitrage strategies to try something more than profitability on a reference to short-term.

Fund Guaranteed is the fund which consists of the guarantee of the whole of invested capital and its performance according to the stock exchange index or basket of stock.

Geographic Fund is the fund that focuses its investments in a particular geographic area. Whether a country, or continent.

Global Fund is the fund that diversifies its investments in various economic sectors and geographical areas.
Fund indicated is the fund where the composition of the portfolio responds to the composition of values of a stock index.

Joint Fund is in the invested at the same time in fixed-income and equities. Depends on the proportion invested in each can be mixed funds of fixed-income (when it is more than 70 percent of the portfolio in fixed-income assets) or mixed funds variable income (that is when you have more than 30 per cent and up to 75 per cent in equities or actions.

Sectoral Fund is the type of fund that invests in companies belonging to the same economic sector.
Management Fund Alternative is the fund where invested values highly speculative using techniques of arbitration. The most important is the flexibility in managing their assets.

Now that you know the types of investment funds more known and attractive, you have the tools to decide what type of fund should you invest your money depending on what you are looking win, what you prefer risk and you need to invest.

In Mexico, is being implemented an economic recovery that need the help of all Mexicans. The Mexican Stock Exchange sets in brief points the importance of investment companies:

* More attractive options for savers national encouraging domestic savings.
* Supplement domestic savings with external savings to give opportunity to foreign investors buy shares of investment companies.
* Channel resources of investors to buy shares and debt whether public or private.
* Increase the number of participants strengthening the market.
* Promote the democratization of the capital diversifying the shareholding among some investors so that is not unique.

According to the Law of Societies Investment currently there are three types:

1.- Investment Company in Debt instruments: has low-risk investment with attractive investment returns and liquidity. Emissions obtained are taken up that mature, it has reinvested automatically and the valuation of its assets.

2.- Investment Companies in Equities: were the first to exist in the country and were mainly used to invest their assets in equities and debt instruments. You can invest both individuals and moral people.

3.- Society of Capital Investment (SINCAS): invest their resources temporarily in companies with financial viability and significant capacity of productive development that is normally derived from the return on capital.