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29th September 2009
If you are looking at the real estate market of New York for a good deal, buying a property through Brooklyn foreclosed homes is one of the best options because of the great benefits available as well as some unique features that makes this place an ideal... Read >
Author: fionalivnat25th September 2009
Liberty International PLC, today announces it is placing up to 56.1 million
new ordinary shares through an accelerated book-building process to be carried out by Merrill Lynch International
representing up to 9.9% of the Group's issued ordinary sh... Read >
Author: tugsearch22nd September 2009
Bank of America primary hit the news as one of the most important banks receiving TARP funds. The state strain tests found that Bank of America required $33.9 billion in assets just to live on. When that information came out, they began selling extra stoc... Read >
Author: Robert Bell18th September 2009
Okay, you’re ready to write the ad of a lifetime. The one that will pull like crazy and leave them begging for your product like Somalians for food. So, do you whet their appetite with a short and sweet ad? Or write a long-copy ad that’s stuffed wi... Read >
Author: wbdoyle17th September 2009
Forex (currency markets) trading is done on a much greater scale than any other kind of market in the world. Over two trillion dollars is traded every single day. About seventy five percent of all forex trading is done by ten international Banks with name... Read >
Author: Andrew Tomkinson07th September 2009
The recent Financial Crisis can be traced down to a series of events, also referred to as "The Sub prime crisis"
It was characterized by a situation in 2007, wherein the financial sector comprising mainly of investment banks in US, collapsed. The inves... Read >
Author: Robert Palmer06th September 2009
Many monetary establishments, banks, and other organizations offer home equity loans with different rates. Often, the common thread connecting all home equity line of credit rates is their dependence on the prime rate, the index broadcast in some major n... Read >
Author: Jerod Bolton29th August 2009
Introduction
Chennai property market has witnessed a sharp decline in its property prices due to economic and IT slowdown and global financial market crisis. But, there seems to be a great governmental support and initiatives to promote real estate –... Read >
Author: Diwakar Pandey08th August 2009
Chennai being the capital of Tamil Naidu has blend of historic and modern traditional values. The city has grown at a faster pace and its growth can be attributed to its geographical location, its accessibility from sea route railways and airways. Chennai... Read >
Author: 99acres04th August 2009
Wall Street is a mess, and investors are not happy.
As the federal government bails out "too big to fail" companies like AIG and Merrill Lynch, investors are worried that the big brokerage firms they depended on to safeguard their futures aren't up to ... Read >
Author: Robert Palmer16th July 2009
Why do so many traders lose money with penny stocks? Is it because they are uneducated, reckless or is it just a bad investment? I believe it is because they get over excited more than anything else. Getting yourself carried away and being sucked in the e... Read >
Author: Deon Du Plessis12th July 2009
The forex market is all regarding trading among countries, the currencies of those countries and the timing of investing in particular currencies. The FX market is trading between countries, usually concluded with a adviser or a financial company. Many ci... Read >
Author: wbdoyle12th July 2009
Forex trading uses currency and stock markets from a variety of countries to create a trading marketplace where millions and millions are traded and exchanged day after day. This marketplace is akin to the stock market, as citizens buy and sell, but the m... Read >
Author: wbdoyle12th July 2009
Forex trading uses currency and stock markets from a variety of countries to create a trading marketplace where millions and millions are traded and exchanged day after day. This marketplace is akin to the stock market, as citizens buy and sell, but the m... Read >
Author: wbdoyle06th July 2009
The Forex market is all about trading between countries, the currencies of those countries as well as the timing of investing in certain currencies. The Forex marketplace is the trading between countries, habitually carried out by a broker or a financial ... Read >
Author: Andrew Johnson02nd July 2009
The Obama Administration recently announced its recommendations for reforming the financial services industry in the wake of last year’s market meltdown – and public relations professionals in the financial industry took notice. However, it remains... Read >
Author: Kevin Waddel01st July 2009
The majority of literature that discusses asset allocation linking multiple markets has a heavy dose of macro and microeconomics. Typically, macro-micro relationships require applying econometric models to comprehend the structural linkages between the tw... Read >
Author: Clinton Lee23rd June 2009
Sid : Howdy , Sid Roth here with Kathi Oates, and we arefinding out that there are folk with broken hearts,in fact many of us have broken hearts as we arein a damaged world with broken people, with a devilWhat do you expect?But God wants to bring the brok... Read >
Author: Sid Roth23rd June 2009
On "It's Supernatural," § music § Discover the supernormal power of dance.SID: Hello, Sid Roth here, welcome to my world where it is naturally supernatural. Do you know medical doctors have found that movement is a healing force, and there are really 12... Read >
Author: Sid Roth20th June 2009
The force of the knock across the financial sector over the past 12 months has exposed the weaknesses in the global financial tectonic plates. From New York to London to Hong Kong to Tokyo, the newly formed global network cracked under the strains of the... Read >
Author: tugsearch20th June 2009
The force of the knock across the financial sector over the past 12 months has exposed the weaknesses in the global financial tectonic plates. From New York to London to Hong Kong to Tokyo, the newly formed global network cracked under the strains of the... Read >
Author: tugsearch05th June 2009
Stock certificates can be a tangible bit of history for a company or an industry or to commemorate a major event. Take the current economic situation, for example. There are lots of companies that have made the news recently and that will never issue st... Read >
Author: Cole Cawley06th May 2009
While the developed world tighten their belts and focus spending on daily necessities, the big luxury companies are looking to China's new rich to buy their jewelry, clothes and bags.
The Chinese market shows remarkable resilience in the financial cris... Read >
Author: Tommy Martin17th April 2009
When panic struck Wall Street on September 28, 2008 because The House of
Representatives defeated a $700 billion emergency rescue package (ignoring
urgent pleas from President Bush) many feared a complete meltdown of the
nation's banking system. ... Read >
Author: Michael Riley24th March 2009
A survey that was carried out between March 2th and March 9th by Bloomberg News suggests that unemployment in the U.S. will reach 9.4% in 2009, and the figure is far higher than the one of 8.8% which was projected in a comparable survey carried out just a... Read >
Author: Michael Redbourn13th March 2009
The forex market is all about trading between countries, the currencies of those countries and the investment timings of each market. The forex market deals on behalf of two countries, dispatched with a broker or a financial company. Many people take part... Read >
Author: pdopes12th March 2009
Changes in the financial world
The “big brains” in charge have no idea what will further happen and what position to take facing the world crises. So you think is right to panic after the two companies on Wall Street have collapsed (in September 2008... Read >
Author: Robert Palmer12th March 2009
The financial debacle that is occurring across the globe has led to the global collapse of stock exchanges, property sales, financial markets and industrial development. Several organizations have lost their money and have closed their business organizati... Read >
Author: Robert Palmer11th March 2009
Forget social prejudice, crime and violence, the world’s number 1 fear now is not being able to find a consistent source of income. Recent surveys revealed that fears of unemployment have become the biggest concern in the global financial crisis.
Not... Read >
Author: GOT PINKSLIP11th March 2009
Although most collectors of scripophily focus on stock certificates produced during the late nineteenth or early twentieth century, modern stock certificates can also be a joy to collect. A stock certificate does not need to be an antique to have historic... Read >
Author: RealStockCertificates.com LLC08th March 2009
Six Sigma techniques and practices are a set of methodologies which were originally used perfected by Motorola in the late 1980. These helped the company to eliminate manufacturing defects by systematically and constantly improving production processes.
... Read >
Author: Robert Bell04th March 2009
"Okay, time out. Something doesn't feel right."
This is the first line in a full-page article run by Wells Fargo Bank last week in major newspapers. They placed the ad to announce that they'd succumbed to political correctness and acquiesced to publi... Read >
Author: Becky Regan23rd February 2009
The luxury jet Citigroup wanted to purchase made the news, as did the $35,000 commode and billions in bonuses credited to Merrill Lynch CEO, John Thain. What is less clear is exactly what effect the nearly $350 billion in bailout funds rushed into the ba... Read >
Author: Robert Palmer20th February 2009
Bear Stearns is gone, Lehman Brothers is gone and Merrill Lynch is almost gone. Three out of the five great walls of the Wall Street (USA) have collapsed. Thanks, to JP Morgan Chase and Bank of America; at least two out of these three unfortunate Investme... Read >
Author: corporateturnaroundexpert20th February 2009
Lehman Brothers, AIG, Bank of America buys Merrill Lynch, the housing crisis, mortgage mess, fuel and food costs, on and on...
While it looks dire, the times are creating opportunities for more people to become true leaders - not just in business, but ... Read >
Author: Chris Makell18th February 2009
Recession, Recession, Recession……..is perhaps one of the most “googled” words these days, with everyone searching desperately for its meaning. Even those who don’t know exactly what recession means speak about it.
It all started with the eco... Read >
Author: kalyan17th February 2009
Financial professionals take heed—there is a new paradigm in effect for successful and realistic financial planning. Whether you are a financial planner, financial advisor, or a general financial consultant, the global economic and financial mess has c... Read >
Author: Financial Planning 2.016th February 2009
I think it was the Financier Leo J. Hindery Jr who once said: 'I think there are people, including myself at certain times in my career, who because of their uniqueness warrant whatever the market will bear.' But the questions beg HOW much is too much? an... Read >
Author: Bobby09th January 2009
The current economic meltdown has changed the face of Wall Street, possibly forever. For decades the energy in the market had been fueled by high-rolling investment bankers, but look what's happened in the last eight months. Lehman Brothers went bankrupt.... Read >
Author: Jose Roncal05th January 2009
The forex market is all about trading between countries, the currencies of those countries and the timing of investing in certain currencies. The FX market is trading between counties, usually completed with a broker or a financial company. Many people ar... Read >
Author: suegold16th December 2008
Forex trading uses currency and stock markets from a variety of countries to create a trading market where millions and millions are traded and exchanged daily. This market is similar to the stock market, as people buy and sell, but the market and the ove... Read >
Author: suegold02nd December 2008
American economy is experiencing yet another boom and bust cycle. History is repeating as America faces situations similar to the Great Depression of the 1920’s. Economic breakdowns like stock market crash, unemployment, real-estate crash and high-renta... Read >
Author: liza25202nd December 2008
To illustrate the securitization process, we assume that, in Wall Street, Merrill Lynch this type of institution holding the value of 1,000,000,000 U.S. dollars of sub-mortgage loans. These loans will be packaged as securities products have to be involved... Read >
Author: Jimmy Chuang22nd November 2008
Lehman Brothers, AIG, Bank of America buys Merrill Lynch, the housing crisis, mortgage mess, fuel and food costs, on and on…
While it looks dire, the times are creating opportunities for more people to become true leaders – not just in business, bu... Read >
Author: Chris Makell12th November 2008
If it’s not impossible, it’s very difficult to get a piece of an IPO. It is done by a process known as Underwriting. When a company wants to go public, first thing it has to do is hire an Investment Bank to act as an underwriter. These underwrit... Read >
Author: Pooja Gupta12th November 2008
Do you know how to avoid getting caught in the financial crisis? This question addresses one of the biggest fears most everyone has today. If giants like Merrill Lynch and Lehman Brothers get shaken to their foundations, how can an average person resist g... Read >
Author: Alex Shirokov11th November 2008
All over the media, there are reports of hard economic times. The newspaper, radio and and television stories abound with reports that the stock market lost over $8 trillion in equity this year. Powerful corporate stocks like GM and Merrill Lynch are coll... Read >
Author: Dr. Christopher Segler11th November 2008
Republicans like to paint themselves as champions of the free market, but only as long as it makes them money.
At the risk of speaking ill of the dead, what good was Lehman Brothers, anyway? And what about Merrill Lynch? If they were so bullish on Americ... Read >
Author: dar15021st October 2008
Amid the panic of investors, brokers, and analysts, world equity markets plunged 20 percent in one week. IBM presented signs of survival as the company prepares to release a full earning report on October 16 that will show a 20 percent jump in profit. The... Read >
Author: John Mehrmann17th October 2008
The current financial crisis has brought attention to the uncertainty faced by investors. The state of the economy and the recent rate cuts are making it difficult for retirees to get the return on investments that provide necessary income. And, while ... Read >
Author: Jennifer Wirt13th October 2008
The sobering developments at Lehman Brothers, Merrill Lynch, Washington Mutual, Wachovia, AIG, and UBS have served as a catalyst for many to examine their current work situations and future career management strategies. Here's some food for thought as we ... Read >
Author: Barbara Safani06th October 2008
I am feeling my feet firmly on the ground. Feeling stable and secure is something that is being ripped out of - from under the carpets, so to say for a lot of people nowadays. In this financial crisis, Lehman Brothers going bankrupt, AIG Insurance being ... Read >
Author: Blanca06th October 2008
We have been telling our readers for some time now that the
best thing you can do for your finances is to get completely
out of debt. The mess on Wall Street really brings that
strategy to light.
While big companies are falling to the way side, the ... Read >
Author: Doug West01st October 2008
Every passing day brings us one step closer to retirement. When economic conditions or personal finances are unclear, the road to retirement seems much longer, and the road on retirement seems to be a rocky and perilous one. Don't panic, it's time to plan... Read >
Author: John Mehrmann01st October 2008
Every passing day brings us one step closer to retirement. When economic conditions or personal finances are unclear, the road to retirement seems much longer, and the road on retirement seems to be a rocky and perilous one. Don't panic, it's time to plan... Read >
Author: John Mehrmann24th September 2008
Summary: The Indian real estate market is going towards a slowdown due to the US market crisis. There is a reduction in total FDI and private equity.
The turmoil from the wall street crash is going to be a high pitched one for the Indian real estate ma... Read >
Author: addi24th September 2008
We live in interesting times.
The investment bank Lehman Brothers has filed for bankruptcy protection, Merrill Lynch is being taken over by Bank of America and it's predicted thousands of bank employees will be picking up their P45s by the end of the m... Read >
Author: Ray Prince23rd September 2008
Recent economic meltdown might compel many small business owners to put their businesses for sale. With many layoffs due to the fall of three of the five major US investment banks, Bear Stearns, Lehman Brothers and Merrill Lynch, and other the two remaini... Read >
Author: Mark Waltzer22nd September 2008
What we witnessed this past week is what the TREND letter has been predicting would happen over 2 years ago – so we cannot be surprised. But whether or not we were surprised, it is still quite numbing when you see such a disaster occur. Last week, we sa... Read >
Author: Martin03rd September 2008
The sub prime mortgage crisis has become a vital issue in the economy today. More and more people are being persecuted by this crisis. Though sub prime mortgages actually constitute only 7% of all the loans in the country, it accounts for 43% of the loans... Read >
Author: Jessica Bradbury18th August 2008
The story of the decline in Merrill Lynch shares since early 2007 bears an uncanny resemblance to that of Bear Stearns. From a high of $98.68 on January 18, 2007, Merrill shares fell to a low of $22.00 on July 29, 2008. Could such a drastic decline have... Read >
Author: candleman17th August 2008
From:http://www.industry-raw-materials.com/
Tag:Asian stocks,financial sector,Equity markets,Nikkei
HONG KONG, July 29 (Reuters) - Asian stocks fell sharply on Tuesday, after Merrill Lynch, the third-largest U.S. investment bank, said it would take ... Read >
Author: utut116th August 2008
The world's biggest insurer, American International Group Inc, replaced CEO Martin Sullivan after it suffered two quarters of record losses from risky mortgage bets and its share price more than halved over the past year.
Sullivan is the latest Wall ... Read >
Author: Christian Ward17th July 2008
REO (also known as real estate owned, bank owned real estate, lender owned properties as a result of foreclosures) investments is where many investors and groups hedge their potential to purchase properties at a discounted price and capitalize on "higher ... Read >
Author: Marcel Ford07th July 2008
Did you know that you can find good penny stock picks without having to do all the grunt work yourself? Promo Stock Picks is a simple, breakthrough stock-picking newsletter. This investment newsletter is written by Jason Fuller that is targeted at profiti... Read >
Author: Joel Ng22nd May 2008
Right now it seems India is not so much a land of opportunity, but a whole subcontinent. The second most populous nation on Earth has been enjoying a huge economic boom while increasingly asserting itself in the cultural, political and sporting arenas.
N... Read >
Author: Assetz UK21st May 2008
Forex trading uses currency and stock markets from a variety of countries to create a trading market where millions and millions are traded and exchanged daily. This market is similar to the stock market, as people buy and sell, but the market and the ove... Read >
Author: Shirley08th May 2008
China should still be alert to the credit crisis starting in the United States more than one year ago that has afflicted the Chinese financial sector and export, Ou Minggang, deputy editor-in-chief of Chinese Banker magazine, said on Saturday.
Ou told Xi... Read >
Author: tcmadvisory30th April 2008
For everyone involved in providing hospitality, the Internet is set to dominate our lives. A recent Merrill Lynch study predicts that by 2010 up to 45% of all hotel bookings will be made online. Of course 1this varies between countries and between types o... Read >
03rd April 2008
What a difference a year makes. Last year at this time Bear Stearns had a high flying stock price of $150 a share and a market valuation of 20 Billion. Having been founded in 1923 they were considered one of Wall Streets most venerable investment houses... Read >
Author: Robert Palmer03rd April 2008
Today, more workers are withdrawing money from their retirement accounts in the form of 401(k) hardship withdrawals and loans than ever before. Merrill Lynch sampled applications filed in January, 2008 and found the primary reason was to prevent foreclos... Read >
Author: Lukasavige19th March 2008
Unless you’ve been hibernating for the winter, you’ve probably noticed the financial markets are a huge mess. Specifically, the machinations of the mortgage market are spreading to other fields. The question is whether this affects student loans?
A... Read >
Author: Aazdak Alisimo04th March 2008
Escalating real estate prices have made property an unaffordable commodity. Today, the average cost of a 2BHK apartment in Chennai (or any other mega city for that matter) is Rs 60 lakh. The capital value of an apartment in Chennai's prime locality Boat C... Read >
Author: George Gonigal22nd February 2008
There are roughly 9.5 million millionaires in the world, and it’s more than likely 99.9 percent of them didn’t get rich on their own.
According to the latest World Wealth Report released in June by Merrill Lynch & Co., the amount of worldwide milli... Read >
Author: Robert Shemin23rd January 2008
What Rate Cuts Can Be Expected
The US Fed has not exactly been forthcoming in its rate cuts; rather, it lowered rates very reluctantly in 2007. It has given only what the currency markets have already priced in. The basic reason for their hesitation is... Read >
Author: Misty10th January 2008
In order to leverage opportunities in the middle-income housing segment, country’s largest real estate company DLF Limited and investment major Merrill Lynch have tied up hands to develop residential townships in Chennai.
As per industry estimates, ... Read >
Author: George Gonigal07th January 2008
Credit crunches may usually be considered to be the next part of a recession.
A credit crunch is a surprise reduction in the availability of finance (or "Loans"), which may be due to increased fear of risk, a change in market conditions, or even a tight... Read >
Author: Mortgage Services08th November 2007
John Russavage fell in love with the California Redwoods and now he's using his background as a real estate developer and stock broker to help bring many more tourists to the area just like him.Next time you go to Redwood National and State Parks you’ll... Read >
Author: CaliforniaWeekend.com07th November 2007
Massive stores of methane gas buried deep inside Asia's coal beds could be shaping up as the next hot energy play.Trillions of cubic meters of clean-burning methane are trapped in Asia's coal deposits. The gas -- which produces lower levels of air polluti... Read >
Author: Dolly Tayal23rd July 2007
The 2007 World Wealth Report, issued recently by Merrill Lynch and Capgemini, reveals “investments of passion” have become an important allocation as the world’s 9.5 million High Net Worth Individuals (HNWIs) develop an increasingly more global ou... Read >
Author: Rain Stockton30th May 2007
Ford is currently facing some troubles in its operations. It might be doing fairly well overseas but is having very poor operations in the United States.
Latest reports say that Ford’s Volvo vehicle may be bought by German automaker BMW. According... Read >
Author: Zeke19th April 2007
1. Given the changes that have occurred in the international capital markets during the past decade, does Merrill Lynch’s strategy of expanding internationally make sense? Why?
In a couple past decades the world has become a smaller place especially in... Read >
Author: Jeff Stats21st February 2007
There is always "year one" for every commodity futures trader. I had mine and made every mistake a trader can make and more. Here's my story of how I stumbled into the lion's den, got gored a few times and even made some money. My hope is that beginners w... Read >
Author: Thomas Cathey06th February 2007
Years ago, I was a limited partner at Bear Stearns and Company in New York City. Once a year, we would have a partner�s meeting, and I would attend as a matter of course. Now keep in mind that we were a trading firm, also a brokerage firm. Back then we ... Read >
Author: Richard Stoyeck18th November 2006
Masterful – that's how auto critics describe BMW in connection with the manner by which it guides its Mini premium cars to achieve success in the auto market share.
From its inception in 2001, Mini has already made money. The latest lineup of Mini... Read >
Author: Joe Thompson15th November 2006
The 10th Annual Edition of the World Wealth Report has been unveiled by Merrill Lynch and Capgemini. According to this report, people with at least US$ 1 million, excluding their primary residence and consumables, climbed to US$ 33.3 trillion in 2005. It ... Read >
Author: Neil More15th November 2006
Copyright 2006 Damon Clifford
With all these different names and terms being thrown around in the financial community, it can get very confusing on what something is, and what it is not. How many times has it happened to you? Let me go through and ex... Read >
Author: Damon Clifford03rd October 2006
As U.S. investment in Asian real estate grows, professionals with a background in underwriting, financial analysis or property appraisal and valuation can look East for additional job opportunities.
Investment firms and large banks, as well the commerc... Read >
Author: Neil More03rd October 2006
A mixture of good and disappointing news, but not everyone will talk about it.
Fund managers working at boutique firms are set to be paid the most this year, say asset management headhunters. By comparison, fund managers working in investment banks are ... Read >
Author: Neil More08th September 2006
Real Estate India
The real estate market of India is becoming a hot selling property and is attracting the attention of real investors as they are getting huge profits and high returns on their investments. The real estate in India may still be a fragm... Read >
Author: Satya Narayan07th August 2006
The United Nations Association of the United States of America (UNA-USA), along with New York-based Merrill Lynch & Co. Inc., has brought the Model United Nations to Tampa schools. Originally, only four high schools were participating and only as an extra... Read >
Author: Patricia Hawke24th July 2006
One fan, Sprott Asset Management Market Strategist Kevin Bambrough, emailed us his thoughts about the company's proposed acquisitions, "We view the transactions very positively and feel that it's further evidence that we've moved from the early exploratio... Read >
Author: James Finch22nd July 2006
Mark Fields, the executive vice president and the president of the Ford Motor Company Americas, has recently sent out a statement refuting the report given out by Wall Street. According to Wall Street, the auto company is very slow in doing restructurin... Read >
Author: Jason Moore18th June 2006
Forex trading or Foreign Exchange Trading refers to the simultaneous tradingthat is, buying and sellingof two different currencies. It is done between and among major financial institutions, central banks, small retail currency traders or speculators, l... Read >
Author: blog maintenance07th June 2006
The real estate market of India is becoming a hot selling property and is attracting the attention of real investors as they are getting huge profits and high returns on their investments. The real estate in India may still be a fragmented industry with h... Read >
Author: sachin agarwal04th June 2006
India's real estate market is getting very, very warm.
It still may be a fragmented industry with high transaction costs and an absence of transparency, but it is whetting the appetites of domestic and overseas investors. In India, changing governmen... Read >
Author: Sanjay Sirohi04th June 2006
The real estate market of India is becoming a hot selling property and is attracting the attention of real investors as they are getting huge profits and high returns on their investments. The real estate in India may still be a fragmented industry with h... Read >
Author: Sanjay Sirohi24th May 2006
The boom in real estate sector continues into the financial year 2006. This growth got further accelerated when the Government of India allowed 100% Foreign Direct Investment (FDI) in the construction and development sector.
The global real estate grou... Read >
Author: Deepali Srivastav17th May 2006
The increasing convergence between television and phone services has been made more apparent this week, with Shaw and Telus coming up with new ways to steal customers from each other in BC.
Shaw has recently started its own digital phone VoIP service, ... Read >
Author: Jeremy Maddock28th November 2005
Fred Funk tames Tiger, Annika and the King of Skins Fred Couples at the Merrill Lynch skins game. Fitting it would seem that Fred Funk who after being out driven by Annika had to wear a skirt for one hole on Saturday.
Funk showed true grit and that a... Read >
Author: derrick burton31st August 2005
"The fact is in this day and age the ordinary worker, works nearly three more weeks at the workplace per year than workers did 25 years ago even though jobs are being eliminated.
Over half the jobs lost in the 90's are gone forever."
This is a dist... Read >
Author: Cindy Warner27th May 2005
Disgruntled investors are going after Wall Street once again, this time accusing one of investment bank Morgan-Stanley's high-tech mutual funds of making biased stock picks.
Recent lawsuits allege the Morgan Stanley Technology fund was influenced to bu... Read >
Author: Ulli G. Niemann
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