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financial crisis and state bankruptcy

HRE "bottomless pit"! The ailing banks will sometimes only with my money - kept alive - I am also taxpayers. The politicians are totally incompetent and will be presented by the German Bank Chief Ackermann. So still said our financial expert Steinbrück (he reminds me again by Mr Eichel) not too long ago, the crisis relates primarily to the U.S., and we had the bad real estate loans in principle nothing to do. Our East German leader and thinker volks-/finanzwirtschaftliche said even the security of all An-/Einlagen (Lehman Brothers, Isand etc.) need to guarantee, without any idea of them have what sums she speaks. And now the banks are already on the "business as usual" at least for the bonus payments - terms - partly through taxes such as in BLB, Dresdner, HSH Nordbank, etc.. It is striking that our public institutions are in the front row here. Who should regulate what here, please? (See extract of the press releases below).

What bothers me particularly, the hypocritical politicians who appeal shocked or even outraged at morality and decency. I think sometimes I can not hear properly. It is their task to determine not only now as a co-owner of supported banks, the rules. If you are elected as representatives for this to create the legal framework that ensures an equitable and the social market economy. Otherwise one would have to ask whether the market economy has failed, but also what should take its place. Perhaps there is a corresponding master plan already. In my circle there are quite a few, including bankers, are convinced that the plans for a currency reform (EU / USA) are already prepared in the drawers. That would explain the overwhelming and never-ending debt, which must result in an expected interest rate rise in the disaster. The exchange of assets and investments in property values shows how serious that experts now.

. PS: What strikes me the amount of state aids to be mentioned in the press: For the 9 largest U.S. banks are spoken in the sum of 123 billion euro support, do better, we already soon easily our small HRE alone! That is mainly a problem for the U.S.? At one HRE collapse the entire global financial system would have perished! What has been done to rule out something in the future?

press statements on the subject:

(SZ-online) - 31.07.2009
New York (AP) - Billions in state aid on the one hand, lavish bonuses on the other: Nine of the largest U.S. banks by the taxpayer last year together $ 175,000,000,000 (123 billion €) and get paid while 32.6 billion U.S. dollars in prizes. This is the New York Attorney General Andrew Cuomo on Thursday sharply criticized. The billions of bonuses included in part, despite enormous losses.

(derStandard.at) - 29.07.2009
BayernLB will pay off despite ten billion government aid bonuses and is thus not only to counter the policy will

Munich / New York / Vienna - When it comes to money, It is not typical Bavarian hospitality far away. In Bavaria, the resident Landesbank BayernLB heated again a few feathers. Michael Kemmer, CEO of the Institute, has advocated a "defined benefit" payment of the employees of his bank. Specifically, this means that at year-end bonus payments to flow to successful employees

(Focus-Money Online) - 28.07.2009
The government bailouts and stimulus packages bring them big profits. Thus, the German bank benefits as a leading bond trader from increased capital needs of governments and companies. Economically, the question is how high the risks are assumed by the bank in such transactions. Because - and this is a lesson from the crisis - take action in an emergency always the taxpayers.

(Handelsblatt) - 21.07.2009
FRANKFURT. It must be possible for failed institutions, including the Dresdner Bank, Hypo Real Estate (HRE) or IKB ordered to quit the market, "said Uwe Fröhlich, president of the Federation of German folk Cooperative Banks (BVR). Basically, the billions of aid the federal government for these institutions are to be welcomed, because they had protected the industry from harm. If, however, such as the IKB with combat conditions in the market jump, go to the "expense of all other institutions".

(AFP) - 11.02.2009
Munich (AFP) - The hard-ailing real estate financier Hypo Real Estate (HRE) is now being held with over one hundred billion euros in state aid alive. HRE gets from the bank rescue fund SoFFin guarantees amounting to another ten billion euros to secure financial transactions, such as the Institute announced in Munich. Since October, the Bank has received assistance amounting to 102 billion €.

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The Winners are: Apple, Google and the Losers are: Microsoft, Nokia, RIM ... How hard is

IT's New Focus! The theme of the future is "Mobile Computing & Communication (MCC) and to include new mobile devices, operating systems and applications -" Mobile Devices "(MOD's). Taken in this game are quite clear Apple and Google, you just have to look at the report figures for the previous quarter.

your IT strategy, one could also "Method of Destruction" - MOD (a U.S. band) call for the rest: Yahoo, Microsoft, Nokia, ... Again, an analysis of the results gives information. These companies, which are particularly battered in the current crisis, long before that failure to do their homework properly.

Apple iPhone has launched in 2007 his ingenious and a great marketing program run: Innovation is the same high price. In 2008, Apple has the overall market for mobile phones reached just about 1%, but about 20% of the total profit retracted. If one considers only the smartphone market, divided as follows as on: Nokia Symbian 50%, 20% of RIM Blackberry, Windows Mobile 12% and 10% of Apple. Google's Android appeared in these statistics still do not - it still dominate the veterans.

Apple has with its "apple store" a men's band of developers selected, use the platform to throw applications for the iPhone on the market. The other players try to build on this success bashful, or for example how to dress up their Nokia Symbian as open source. What bothers you all is their proprietary environment. The applications run on all platforms, and only on their own they must be developed on the Mac and Apple for example. Apple will keep its role in the exclusive segment further, which I doubt the other crap riders.

The exception is with Google Android as open source. There are only 2-3 models with Android, but it will this year at least 10 to come. Almost every developer in the world can begin now to develop applications on the Linux kernel of Android and trade them on the Android Market. The number, usually even free applications increases, so steadily. It requires no contract, no exclusivity, a regular contract and unlimited data plan - which is finally getting cheaper - is enough. Sooner or later, all manufacturers, unless of course Apple, Android, in their portfolio and Android will capture the mass market. All mobile phones to smartphones so, and at reasonable prices.

The next innovations already indicate the direction of where to go on MCC & MOD: So the "netbook without chrome keyboard" haunts (MACNET or iNet) from Apple for several days by the media and the media noise in the forest near the "Chrome OS" announcement by Google, was to be heard clearly.

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Microsoft sick?

Spiegel Online - 07/24/2009. Redmond - is weakening "the software giant Microsoft: A lull in the PC market and the economic crisis hit the company harder than expected profit collapsed in the last quarter by almost 30 percent to $ 3,000,000,000 (2.1 billion euros). Sales fell 17 percent to 13.1 billion dollars. finished the first time since going public in 1986 Microsoft to a fiscal year with a drop in sales. "

My Opinion: Now show the first issues in the critical areas for the future, most clearly. The Windows-sector has been suffering particularly hard, with almost 30% less turnover and 33% less profit. In the Games & Mobile field sales decreased by 25%, this makes MS a bit smaller, but still lost $ 130 million. The most important future area the Internet services, sales declined by over U.S. $ 100 million and the loss increased by nearly $ 250 million U.S.. Turnover and loss are now equal to $ 730 million in U.S.. But the sluggish business clients - servers and business sectors - have prevented a more drastic decline. Have the "consumers" already decided against Microsoft? Or does anyone think Yahoo Microsoft's online services can save?

I do not believe it. The search engine "Bing" was used by a lot of marketing effort, possibly in the U.S., some early attention. In the Mobile-area Apple has shown with the iPhone (increased sales by almost 12% and profit up 15% last quarter as a whole), how it works and the list of manufacturers that will offer mobile devices with Android on the increase. Apple has entered the market in 2007, in 2008 "only" about 1% of global mobile phones (from approximately 1.2 billion total) were sold, but almost 20% of profits over the industry! Google is lurking with "Chrome OS" behind the corner and the Microsoft Windows 7 aims to solve problems? No way!

High-speed Internet in connection with mobility requires new solutions. Microsoft, with its liabilities, to hang like a millstone, lags behind her and will continue to lose Martktanteile.