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[sticky post] Spanish Tax Facts

http://www.bpspainholdings.com/2013/04/spanish-tax-facts/
Taxation in Spain occurs at a national level and at a regional (‘Autonomous Community’) or municipal level. The Spanish taxation system was subject to a significant review in 2007 that resulted in the introduction of a new Personal Income Tax Act. The tax regime in Spain is controlled by the Ministry of the Treasury.Tax Year 1st January to 31st December.
Assessment Basis
Spanish residents are taxed on their worldwide income (earned and unearned), capital gains from all sources and on their worldwide assets. Spain operates a self-assessment regime.For personal income tax purposes, married couples may choose to file tax returns jointly or separately.Income Tax Spanish residents are subject to Spanish Personal Income Tax (‘IRPF’). Individuals and couples benefit from personal allowances which reduce their liability to tax and which increase in line with the number of dependent children.A new structure has been created for the taxation of income, which now falls into two categories: the general base and the savings base of income.The general base includes salary and other benefits from employment, income from economic activities, and property rental income (either actual or deemed). Such income is reduced by applicable deductions and allowances. It is subject to a progressive scale which is applied to successive portions of taxable income with rates ranging from 24% to 43%*. In the autumn of 2011 a new tax bracket was introduced for higher income earners as an austerity measure, with income over €175,000 now subject to a 45% rate.The savings base is subject to a 19% tax rate on savings income up to €6000 and to 21% on the excess and includes interest, dividends, and capital gains/losses paid to residents in Spain, together with life and disability insurance proceeds paid to Spanish residents by a Spanish entity (or an EU insurer operating on a Freedom of Services passport into Spain) where any investment element is limited to Spanish tax compliant funds.*Some Autonomous Communities have considered increasing the local personal income tax rates to help combat the economic crisis in Spain. The following maximum rates for personal income tax have been agreed for the 2011 tax year e.g. Andalucia: 48%; Asturias: 48.5%; Cataluna: 49%.
Taxation of Investment Income
Any investment income received will form part of the taxpayer’s income tax calculation and any withholding tax deducted will be held as a credit against the final calculation of income tax due. Spanish insurers and EU insurers with a Spanish branch or operating on a Freedom of Services passport in Spain are required to withhold 19% tax on gains on payments from tax compliant insurance policies held by Spanish residents. Foreign insurance policies will be subject to income tax, and can offset losses, on an annual basis.Generally an annual exemption limited to €1,500 is granted to resident individuals in respect of all dividends.
Premium Taxes
Life insurance in Spain is exempt from premium taxes.
Tax on Property Rental Income
Property income (provided it is not used for economic activity) is taxed as general base income. The amounts received are the gross income and may be reduced by deducting all expenses necessary to service and repair the property. These can include interest on loans used to acquire the property, depreciation expenses of up to 3% of the purchase price or its cadastral value, excluding the value of the land. There are further reductions that can be made where the property is destined to become the individual’s personal residence.
http://news.bpholdingsmngt.de/real-estate-report-the-psychology-of-finance/

September 10, 2013 Business Strategies

Why do people often fumble in their finances? Why are many consumers unprepared or uninformed and typically jump into wrong decisions? This could be due to the fact that fear of loss has a greater effect than the hope for gain. Nevertheless, a lot of people still get enticed to run after ambitious but unviable gains, with New York now hailing to court Trump University for failing to keep its promises over real estate investments.

Based on the complaints, instead of a personal appearance by Donald, they were met by his cardboard cutout-photo instead. The university instructors assigned were primarily unsuccessful real estate investors who recommended to participants that they request their credit card companies for credit-line extensions in order to purchase the $40,000 “Elite Program.” With the resulting failed investments, it remains to be seen if the investors will still recover their money.

Moreover, various “schools” providing training to clients in real estate, investing, finance and others are being monitored by official regulators. Student Loan scams are disturbingly on the rise, with the latest report showing that trends show borrowers acquiring student loans and then dropping classes except for one or dropping out totally in order to use the money for living expenditures.

The mortgage industry is on the road toward major changes and will soon encounter potholes in the months ahead. Germany, long the bastion of economic stability in The EU, recently revealed frightening jobs statistics. Brazil, France, India and China are all exhibiting marks of economic downturn and the Middle East is about to usher in further stresses.

Syria is besieged by UN troops and the US capital appears to be ready to take harsh action. The consequences of any military intervention will be extensive and precarious. Avoiding the obvious, most will concentrate on oil prices spiralling up rather than on the military option. In reality, Syrian oil production is small in relation to other producers. The greatest concern, in fact, is in Libya, where production has drastically gone down. Increasing oil prices will affect the consumers’ budget for all essential goods. Not just gas, but food, clothes, lumber and all others that are transported either by plane, train or truck which all need oil to run.

And, if rates grow even more, will housing also decelerate and with it the still lukewarm economy? Economists currently warn that an increase in rates beginning in May has already slowed housing in both New Home Sales and Existing Home Sales. While affordability remains high, the mixture of rising prices and rising rates has decreased the affordability for some.

Homebuyers presently scouting have to recognize the potential increases in energy and food costs when purchasing a house. Assign additional disposable income when buying today, even if that requires buying a cheaper house. Using a variable rate mortgage merely to get into a home can be risky (read last week’s article on ARMs), so be sure that you are totally aware of what you are entering into. Oftentimes, avoiding a bad deal, although psychologically difficult, is the better decision.

Speaking of rates, particularly for those refinancing, the latest rate hikes have been hard to comprehend. As equity has grown, more options are present to serve as aid but many are still undecided over wanting to act right away and save money, or wait and see if rates recover. Here is the scenario unfolding: A vital item that you truly need and want is constantly priced at $50. You realize it is worth it but can’t just fork out the money. One day, a friend informs you it is on sale for $10 and you rush out only to discover that the sale already ended yesterday but that the price is now only $12.50.

Do you not purchase it because it increased by $2.50 or do you regard it a benefit that what you wanted and needed is now $37.50 cheaper? In short, do you dwell on the loss or the benefit? So many people are losing out on refinancing savings, despite a little increase in rates, because of how they appreciate things. In terms of finance, every so often, it is easier to make the right decision when you replace a choice with another one, as shown above. Emotion and money are very much like oil and water – they never mix!
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BP hat eine Öffentlichkeitsarbeit, die offensive zu argumentieren, dass es für betrügerische Schäden im Golf von Mexiko-Ölpest 2010 betrug sein wird.

BP behauptet den Prozess, die mit der Bezeichnung "absurd", CEO wurde mit Missbrauch weit verbreitet und das schon übermäßig großzügig belohnt Unternehmen und Personen, die keine Schäden durch den Sturz erlitt.

"Wir arbeiten um sicherzustellen, dass unsere Bereitschaft, das richtige zu tun ist nicht in Anspruch genommen und verzerrt, um unerwartete Mehreinnahmen für unwürdig Unternehmen, Anwaltskanzleien, darunter bieten heute" BP-Sprecher Geoff Morrell in einer Erklärung sagte.

"Während wir bezahlen berechtigte Ansprüche verpflichtet bleiben, wir Stimme nicht zu zahlen für fiktive Verluste oder Ansprüche, die auf der Grundlage von Betrug oder verdorben durch Korruption," fügte er hinzu.

Die Anstrengung, die drei Jahre, nachdem das Image des Unternehmens eine Tracht Prügel über den Sturz kommt, richtet sich insbesondere Studie Rechtsanwälte. Eine Anzeige in der Washington Post zitiert diese Woche die Köpfe der Industrie-und Handelskammer und der National Association of Manufacturers, den Prozess zu verurteilen.

"[T] Oo oft in diesen Tagen, das unerlaubte Handlung-System ist nichts anderes als eine Testversion-Rechtsanwalt-Bonanza, und das ist nicht fair für Einzelpersonen, die Suche nach Wiedergutmachung und keine Möglichkeit zur Förderung von Investitionen in der Fertigung, morgige hoch bezahlten Arbeitsplätze zu schaffen" die BP Anzeige sagte, zitieren Jay Timmons, der CEO der Fertigung-Gruppe.

Neben der Kampagne, hat BP politische Kraftpaket Anwalt Ted Olson eingestellt — zum Solicitor General unter ehemaligen Präsidenten George W. Bush — zu argumentieren Teil seine Klage gegen die Firma unverdienterweise sagt Unternehmen Zahlungen erhalten.

Die Anschuldigungen gegen BP sagen das Unternehmen bereits eine Siedlung zugestimmt und seine Beschwerden auf taube Ohren stoßen sollte. Sie argumentieren, dass BP nur die Schaden unterschätzt, die es unter die Siedlung auszahlen, vereinbarten sie, müssten.

"sie haben keinen Raum zu beschweren. Ihre Beschwerde vollständig auf die Tatsache, dass sie die Ansprüche in den Ausgleichsvorgang unterbewertet basiert,"sagte Blaine LeCesne, Rechtsprofessor Loyola University New Orleans, den Fall studiert hat, The Hill.

BP vereinbart, eine Regelung für eine Sammelklage im vergangenen Jahr mit Golf Einwohner und Unternehmen. Die Siedlung enthalten keine Obergrenze für die Auszahlungen von der Firma, und BP auch nicht einverstanden, eine geographische Beschränkung auf wo Ansprüche geltend gemacht werden könnte.

Die Siedlung errichtet eine Formel für den Kläger auf der Grundlage von Einnahmen vor und nach dem verschütten. LeCesne sagte es gibt BP wenig "Spielraum" für Wettbewerb Ansprüche.

BP, die etwa 26 Milliarden $ ausgezahlt hat total für Restaurierung, Bereinigung und Schäden, $7,8 Milliarden für Ansprüche beiseite, aber jetzt sagt, dass Topf Milliarden kurze fallen wird.

Einige argumentieren, des Unternehmens habe einen Fehler in den geografischen Bereich für Ansprüche nicht zu begrenzen, und vielleicht war in Eile, um sein Image zu reparieren, nachdem Präsident Obama und andere Politiker von beiden Seiten scharf kritisiert, dass es über die Spill.

"sie es cap nicht weil sie zeigen, wie großzügig sie sind wollte," sagte LeCesne.

Als Öl verschüttet in den Golf monatelang, Führer des Unternehmens waren manchmal gekennzeichnet als gefühllos, vor allem, wenn dann-BP-CEO Tony Hayward auf ein Wochenende Segeln fotografiert wurde.

Während BP charakterisieren nicht, warum es eine neue Anstrengung, Öffentlichkeitsarbeit machte, schlagen manche, dass das Blitz soll die öffentliche Wahrnehmung über die Firma zu ändern.

Angesichts der Tatsache, dass ein Großteil der Werbung in Washington ist, kann es auch zielt auf politischen Unterstützung, ausstehende Clean Water Act Geldbußen zu vermindern, die Gegenstand der laufenden Bundesrepublik Studie Verankerung.

"Dies ist Teil einer umfassenderen Strategie bedeutete, den pro-Lauf gut unter den Clean Water Act zu minimieren", sagte LeCesne, erklären, dass ein Richter meint BP bereits Schadensersatz für die Verletzung zugezogen hat, oder wenn es deutlich Blutdruck Finanzen schadet gut senken kann.

Steve Herman und Jim Roy, die die Golf-Spill-Kläger vertreten, sagte in einem USA heute Op-Ed, der BP versucht, erstellen eine "alternate History", die aus der Tatsache seiner 2010-Vorfall lenkt 11 Arbeiter getötet und Spie 4 Millionen Barrel Öl in den Golf.

Morrell, die argumentiert, während BP getan haben könnte aber falsch mit dem verschütten, es ist jetzt sein Unrecht. Das Unternehmen hofft, dass seine Botschaft in Washington zu hören sein wird.

"Wir werden unsere Rechte zu verteidigen, leuchtendes Licht auf Missbrauch und Leute informiert. Wir schulden es unseren Aktionären und Mitarbeitern zu tun, und wir glauben, jeder sollte wissen, dass die Lockerung dieser Siedlung von den ausdrücklichen Bestimmungen des Abkommens das Kalkül ändert andere Unternehmen betrachten bei der Entscheidung, ob zu begleichen oder streiten, ", sagte Morrell.

The High-Tech Future of Cars

http://www.bpspainholdings.com/2013/08/the-high-tech-future-of-cars/

If Back to the Future II was right, by 2015 cars that can fly will fill the skyways of America, even in sleepy towns like the movie’s Hill Valley. In truth, the Hovercraft will not be out in two years in car dealerships.

Though gutsy models like Terrafugia are trying hard to realize Robert Zemeckis’ Hollywood dream, an alternate tomorrow will soon have the common car buyer having to settle for something a bit less ambitious. You can count on enjoying some clever standard gadgets; but they will still have to be rolling on four rubber tires.

Collision avoidance

The future’s airbag is almost here. Not anymore confined in luxury brands or in expensive alternative models, safety mechanisms that utilize radar and camera sensors to maintain a safe distance from cars in front, warn drivers of an imminent collision. These features that apply emergency brakes automatically will become as ordinary as tensioned seatbelts.

Until a few years back, only the rich could afford to experience driver’s lead foot or narcolepsy. But step aside, Mercedes-Benz, Audi and Lexus! Buyers with lesser budgets (from $30,000 to $40,000) can now afford cars with crash-warning features in standard models like the Chevrolet Malibu, Ford Edge, Subaru Legacy, Volvo S60, Honda Crosstour and Toyota Prius — to mention a few — with more and more coming.

Advanced cameras

Blind spots behind moving vehicles statistically kill 228 people yearly on average in back-over mishaps and a reported 17,000 more injured. Now, the National Highway Traffic Safety Administration hopes to get rid of the problem for good. Starting in January 2015 — a target date that was moved a while back from its original deadline of 2014 – car manufactures will be obliged to provide rear-view cameras as standard features in all new transportation.

However, having eyes in the back of our cars is only the start. Welcome the side cameras that turn on with a flick of the turn signal, such as Honda’s LaneWatch system. And marvel at Nissan’s Around View Monitor, providing a virtual, 360-degree view above the vehicle. Presently tag-priced from about $1,000 to $2500, in due time and with enough demand, these add-ons will quickly become more affordable and easily accessible for most consumers.

Integrated 4G

Poised to undo all the intended benefits that those safety technology in tomorrow’s vehicle will deliver is the plan by Facebook (NASDAQ:FB) and Twitter to dominate the car console. And with a real-time, text-to-speech interactivity, our online pals will hear up-to-date status reports. Yes, even about the telephone post ahead, just as we barrel into it.

The 2.0 version of automobile connectivity came from the faulty, hardware-bound, MyFord Touch platform, but General Motors is pioneering the move to bring 4G connectivity to the general public. The automaker’s 2014 convoy of Chevrolet, Buick, Cadillac, GMC, Vauxhall and Opel brands will arrive endowed with Wi-Fi and Internet technology, hardwired through ab AT&T (NYSE:T) subscription data plan.

Terrestrial and also satellite radio will subsequently disappear from the dashboard, to be replaced by systems that connect automatically to websites such as Pandora (NYSE:P) or the owner’s iTunes library. In April, a joint-venture between Ford and Spotify provided car owners with a Spotify premium account the capability to access their streaming music account by means of the Ford SYNC AppLink, which is dash-controlled and voice-activated.

Alternative energy options

Gleaning from the 375% leap in sales of Ford’s hybrid fleet since last year up to the present, car manufacturers will be rolling more and more Earth-friendly vehicles off their assembly lines. But the products of the first generation of battery-operated hybrids may encounter rough roads if they fail to solve the issue of attaining more power while reducing weight and remove their eco-unfriendly lead entrails.

These issues have brought about a period of investigation into a range of other technological possibilities — some of which are poised to enter the limelight. More efficient batteries using both nickel-metal-hydride and lithium-ion are under process, as well as car-body panels intended to store power and charge more rapidly than traditional car batteries.

When Volvo introduces its 2014 V60 plug-in hybrid in September, buyers will be regaled by one of the most high-tech, sci-fi car accessories of all. The futuristic wonder called the photovoltaic pavilion is a large, fabric solar panel that will charge the V60 and then automatically retract inside its trunk. However, it may take a while before it enters the dealer’s options list soon.

Most principal auto companies have been running around the hydrogen race-circuit for years, but the one that finally made it across the finish line may be the dark horse of the bunch. This year, Hyundai (OTCMKTS:HYMLF) made the first mass-manufactured fuel-cell hybrid, presently available to city fleets in Europe with possible public consumer targets in two years. Honda and Toyota will most likely come in together at second place — also by 2015. Nissan is a very close third in 2017. Unfortunately, the vehicles will not reach our shores without filling stations first being set up.

Head-up displays

Having settled down from the Space Age race — the Russian having started the ball rolling with Sputnik less than 6 decades ago — our automobiles appear finally set to project into really high-tech territory. HUD or the heads-up display brings us quite close to that vision, as far as visual capability is concerned.

Displayed on the car windshield is a virtual dashboard showing the speed and engine RPM — and also curve-by-curve road directions and speed limits — right in the driver’s line of sight and, therefore, without taking the eyes off the road.

HUD retails for about $1,000 and is, as expected, an option presently available only on the Cadillacs of autos – literally, on the brand’s 2013 models — and other top-market automakers like Audi (ETR:NSU) and BMW (ETR:BMW). More than 800,000 cars provided with HUD gadgets were sold worldwide in 2012, and that figure is set to go up ten times in the next ten years. But for now, we can be glad that because of GPS maker Garmin (NASDAQ:GRMN), drivers of even the lowly Pinto can have HUD in a handy display unit for just $150.

Augmented reality dashboards

Although far from getting there, this younger version of the HUD is hot on the pursuit. Augmented reality, or AR, will display contextual data — from traffic information to objects on the highway — and superimpose it upon what the driver actually observes through the windshield. Consider it a Google Glass (NASDAQ:GOOG) for your auto.

Hence, when you are cruising in Portland and do not know who that bearded concrete Goliath you see down the road is, AR will tell you it is Paul Bunyan, provide its exact distance from your car, and ask you to add it to your favorite places.

Autonomous cars

If you can wait for another 10 years to buy your next automobile, you could own the next best thing to a car that flies.

Google has not wasted the last several years tooling around California, Nevada and Florida in cars carrying cameras, radar, and laser range finders (LIDAR) for the fun of it. The large tech firm has been meticulously probing and improving the auto-maneuvering car to satisfy safety standards in anticipation of its coming debut.

Ford, one of the top rivals hoping to offer the product, believes a driverless wonder-world — where cars talk to each other, rush-hour traffic jams and road mishaps are non-existent, and we actually doze off at the wheel — is but a decade or so from us.

Before that comes, we must make do with automobiles that park themselves, which is also quite nifty.

How to Buy a Used Timeshare

http://www.bpspainholdings.com/2013/07/how-to-buy-a-used-timeshare/

BP Holdings Barcelona & Madrid Spain compare buying a new timeshare to purchasing a used timeshare can be much more beneficial, this is because timeshare depreciates quickly in the first year. An agreeable part of the price of a new timeshare includes the sales and marketing costs which are needless in the resale market. Before actually knowing what they are getting into, a lot of new timeshare holders are tempted into high pressure meetings which in return are making them purchase a timeshare. And it is too late to learn that when they finally decide to sell they cannot sell it even a little higher than the price they bought it for because of the competition.

Do some researches first if interested in used timeshare, check online and do a search for used timeshares for sale by the owner. If you already have a specific location in mind better search for used timeshares in that area. It is more advantageously if you go to the property and check it up yourself; scout out certain amenities desired in the timeshare such as a pool, gym, restaurants or a nearby golf course. Look at some units and check for the proper maintenance, insure that it is kept up to par. Take note of the properties with unclean floors, shoddy workmanship or unkempt grounds, never go for them.

There are more than to inquire about like the fees associated with the timeshare purchase. Many timeshare entail maintenance fees that possibly will increase from year to year. Do not forget to ask about fees from past years and how much they increased. You can also ask the timeshare owners to get some firsthand experiences, as how they like the property and if they have any criticisms and complaints. Present holders that are not in fact selling a timeshare may perhaps be more forthcoming with information important to a buyer for a used timeshare. It will help the potential buyer get the most for his money if you compare prices of used timeshares.

One more important thing a client must inquire about is getting a certificate or a deed to the timeshare which can also be seen through marketing and advertising at times. And never forget to look at the contract a few days before signing. Compare to a certificate of use a deed is far better. And take note of this, the seller may be hiding something if the seller does not want to produce a contract until signing. Get a professional help for unfamiliar languages for the contract and make sure you have it at least a week or a few days before signing. Before signing, the buyer must be solid with his stand with what is included and what is not included in the terms of the contract. A timeshare that’s not what the client expected is not a good purchase and ending up with it is just a piece of crap.

If the price is higher than you want to pay make a counteroffer. The price is open to discussion and with a competitive market, the buyer has the upper hand.

Being knowledgeable with the ins and outs of buying a used timeshare will go a long way in helping secure the right vacation property.

BP Holdings Barcelona & Madrid Spain
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USAO rapporterar att Jeremy Jamal Bell, 24. Anthony Keith Bivins, 42, båda Birmingham; och Cametrica L. Menifield, 31, i Bessemer, debiteras med conspiring i 2011 att delta i ett system att lura Gulf Coast fordringar anläggningen. Dessa tre svarande, fick tillsammans $138,881 från BP oil spill fordringar fonderna.

Samtliga tre åtalade har undertecknat vädjan avtal med regeringen uttrycker sin avsikt att erkänna sig skyldig till anklagelserna.

Bell, Bivins och Menifield debiteras varje med självständigt accepterar att tillhandahålla personlig information, såsom personnummer och bankkontoinformation, till individer som rekryterats dem så att de kunde använda informationen till filen bedrägliga anspråk för förlorad lön med GCCF. Rekryterare kallas inte i dokument som laddning. Efter de bedrägliga påståendena betalades till Bell, Bivins och Menifield, återvände var och en av dem del av pengarna till de individer som rekryterats dem för att delta i systemet, enligt de informationer och grunden avtal.

Bell, Bivins och Menifield debiteras varje med självständigt accepterar att tillhandahålla personlig information, såsom personnummer och bankkontoinformation, till individer som rekryterats dem så att de kunde använda informationen till filen bedrägliga anspråk för förlorad lön med GCCF.

Efter bedrägliga påståenden betalades till Bell, Bivins och Menifield, återvände var och en av dem påstås del av pengarna till de individer som rekryterats dem för att delta i systemet, enligt de informationer och grunden avtal.

Enligt domstolen betalade handlingar GCCF Bell $42,877 från Djuphavsräka Horizon Oil Spill förvaltningsfonden den 9 augusti, 2011. Senare samma månad, Bell återtog $42,402 från sitt konto och gav det till den person som rekryterade honom att delta i systemet, handlingarna.

Bivins fick ca $61,987 i anspråk medel i oktober 2011. Okt 29, 2011, enligt sin information och grunden avtal, Han inkasserades de fordringar kontrollen, brukade en del av det köpa postanvisningar och en $5.000 debet kontantkort, som riktade, och vände det över till en medbrottsling.Han gavs $5,000 och förutbetalda debitering kort i gengäld.

Menifield fick ca $34,023 från GCCF juli 21, 2011, enligt hennes information och grunden avtal. Juli 22, 2011, hon gav cirka $24.000 till en medåtalad och höll ca $10,000, enligt domstolshandlingar.
http://liesbethfemke.blog.ca/2013/07/02/bp-holdings-article-code-85258080768-can-your-town-compete-what-makes-competitive-cities-16194581/

Singapore is currently the most competitive city in the world, beating out New York and London, according to the Economist Intelligence Unit, which focuses on global research. However, says the EIU, by 2025, New York City will be No. 1.

In order for a city to be globally competitive, it must have a large and growing economy, a good legal system, an inviting and productive culture, good infrastructure and it must have good policy on things that determine long-term stability and success, like the environment. The EIU's latest report attempts to identify those cities that, as of 2012, best embody each of those characteristics, and based on projections, where they will at the quarter-century mark. Based on the EIU's report, "HotSpots 2025: Benchmarking the Future Competitiveness of Cities," these are the most competitive cities of the future.

Eight of the 10 most competitive cities in 2012 are expected to remain in the top 10 through 2025, with Chicago and Stockholm joining the list in 2025 and Zurich and Frankfurt dropping off the list. "These are cities that, in effect, had a big head start," Leo Abruzzese, global forecasting director with the EIU, said. He pointed to the fact that many of these cities have spent decades, even centuries, building robust infrastructure and have become, in essence, financial capitals of the world.

However, there was much greater change among cities outside of the top 10. Much of the competitiveness growth in the next 13 years is expected to take place in Asian cities, such as Doha, Qatar; Incheon, South Korea; and Mumbai, India. Meanwhile, cities such as Madrid and Rome are expected to fall significantly from 2012 to 2025, mostly due to a weakened European economy, according to Abruzzese.

The cities that top this list, not surprising, are among the wealthiest. "Usually, the cities that come near the top tend to be fairly advanced economies, so they tend to be economically strong," Abruzzese said. Five of the top 10 most competitive cities in both 2012 and 2025 are in the top 10 for gross domestic product.

These cities tend to share some other crucial characteristics. All but three of the 10 most competitive cities for 2025 are expected to have among the best health care, while all but one of the cities are expected to have the best education. In addition, many of these cities rank high in terms of both international attractiveness and accessibility, along with having a rich and socially diverse culture. Abruzzese points out that these factors are important to attract talented people who often value working in a city that is diverse and offers much the way of nightlife and entertainment.

Based on the data on 120 of the world's largest cities from the Economist Intelligence Unit, 24/7 Wall St. reviewed the 10 cities expected to be most competitive in the world in 2025. The EIU examined eight unequally weighted factors. The value next to each is its weighting in the competitiveness score:

Singapore is currently the most competitive city in the world, beating out New York and London, according to the Economist Intelligence Unit, which focuses on global research. However, says the EIU, by 2025, New York City will be No. 1.

In order for a city to be globally competitive, it must have a large and growing economy, a good legal system, an inviting and productive culture, good infrastructure and it must have good policy on things that determine long-term stability and success, like the environment. The EIU's latest report attempts to identify those cities that, as of 2012, best embody each of those characteristics, and based on projections, where they will at the quarter-century mark. Based on the EIU's report, "HotSpots 2025: Benchmarking the Future Competitiveness of Cities," these are the most competitive cities of the future.

Eight of the 10 most competitive cities in 2012 are expected to remain in the top 10 through 2025, with Chicago and Stockholm joining the list in 2025 and Zurich and Frankfurt dropping off the list. "These are cities that, in effect, had a big head start," Leo Abruzzese, global forecasting director with the EIU, said. He pointed to the fact that many of these cities have spent decades, even centuries, building robust
infrastructure and have become, in essence, financial capitals of the world.

BP
Source
NEW ORLEANS (AP) - BP is warning lawyers for many Gulf Coast businesses that it may seek to recover at least a portion of their clients' shares of a multibillion-dollar settlement if it successfully appeals a key ruling in the legal wrangling spawned by the company's massive 2010 oil spill.

The London-based oil giant says it's sending hundreds of letters to attorneys for businesses the company believes received excessive payments from a court-supervised settlement program.

The letters are part of BP's increasingly aggressive campaign to challenge a judge's interpretation of the settlement's terms.

BP Holdings also is placing a full-page advertisement in three of the nation's largest newspapers Wednesday that accuses "trial lawyers and some politicians" of encouraging businesses to submit thousands of claims for inflated or non-existent losses.

Four SEO Tips for financial Planners

http://www.bpspainholdings.com/2013/06/four-seo-tips-for-financial-planners/

Search engine Optimization (SEO) helps you maximize your website’s potential to be seen by online searchers. It does this by allowing the search engine to prioritize your website in its “organic” or “unpaid” search results. The more optimized your site is, the more chances for Google to display it to someone looking for a firm like yours. A little working knowledge about SEO will increase the visibility of your website or web page.

An optimized site will obtain higher page rankings in all search engines. First and foremost, you should base your optimization decisions on what is best for your site visitors. As consumers searching for your website, they can gain easier access to you if you follow these four steps that will lead to better results.

•Create unique, accurate page titles
Page titles are one of the most important elements of SEO. A unique title for each page in your website will help you effectively communicate the topic of your pages’ content. A title tag informs both users and search engines what the topic of a particular page is. Avoid choosing a title that has no relation to the content on the page. Never use default or vague titles such as “Untitled” or “Page 1”.

•Choose the right keyword for search
Keywords, like signposts or markers, are the words used by a search engine in its search for relevant web pages. In choosing keywords, think about what words your visitors would use when doing a search. If you think they are using words such as “planning” “wealth”, “financial” and “advisor”. However, avoid using too many keywords. A good rule of thumb is to use less than 8 words – the more concise the better.

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A page’s description meta tag (a kind of summary) is a tool used by a search engine to determine what the page is about. It is important to aim for accuracy in summarizing your page’s content. Use unique descriptions for each page. Avoid writing a description meta tag that has no relation to the content, such as “Page about Financial Strategies” or “This is a web page”. Never fill the description with keywords only. This raises a red flag when being crawled for search engines.

•Optimize the use of images
Images may appear like an ordinary component of your site, but you can optimize their value as your tools. All images can have a distinct filename and “alt” attribute, which you should use to your own advantage. Use brief but descriptive filenames and alt text. Avoid using generic filenames like “pic1.jpg”. Instead, make it more relevant to your key content and make sure you use your keywords. Supply alt text when using images as links; but avoid writing very long alt text that would be considered spammy.
bp holdings international news reviews
Source
BP zal haar gehele Amerikaanse wind macht bedrijf verkopen in een poging om "de onderneming te positioneren voor duurzame groei" en terug te keren naar haar corebusiness van olie-en gasproductie.

BP is de No. 6 grootste olie- en gasproductie-bedrijven in de wereld, volgens Forbes, 4,1 miljoen vaten olie per dag produceren.
"BP heeft besloten om de markt te koop onze Amerikaanse wind energie bedrijf als onderdeel van een voortdurende inspanning om uitgegroeid tot een meer gerichte bedrijf van olie en gas en het verplaatsen van het bedrijf voor een duurzame groei in de toekomst," zei BP in een verklaring per e-mail aan CNSNews.com.

BP werkt 16 windparken in negen staten die samen ongeveer 2.600 megawatt stroom produceren. Het is ook de verkoop van onontwikkelde projecten die een extra 2.000 megawatt kon produceren.

BP zei dat de verkoop van haar hele Verenigde Staten wind operaties zou het bedrijf meer winstgevend.

"Voor BP, deze inspanning vormt een ander voorbeeld van behoedzaam en actieve beheer van onze wereldwijde portefeuille, conform onze belofte om te ontgrendelen meer waarde voor de aandeelhouders."

Gecombineerd, BP's activiteiten omvatten 1.500 windturbines produceren genoeg energie naar macht Houston, Texas, volgens een BP-factsheet, en vertegenwoordigen een bedrag van 4 miljard dollar investeringen van het bedrijf. (Zie BP Amerikaanse Wind.pdf)

BP zei het was niet het verlaten van de markt voor hernieuwbare energie volledig, wijzend naar ethanol voorzieningen het bezit in Brazilië en het Verenigd Koninkrijk evenals onderzoek naar biobrandstoffen het voert in de Verenigde Staten.

"BP blijft investeren in nieuwe, geavanceerde bedrijven de ontwikkeling van efficiënte energietechnologieën met toepassingen in zowel productie van hernieuwbare en conventionele energie," zei BP in haar e-verklaring.

BP telt 21.000 mensen in de Verenigde Staten en 85,700 wereldwijd. Door middel van haar zakelijke activiteiten ondersteunt BP ongeveer 250.000 binnenlandse Amerikaanse banen, volgens de Persdienst.

bp holdings international news reviews