The seller may offer a sales finance credit plan, or the money may ...

cash or credit. Under a factoring contract, the website business can usually pick and choose which invoices to sell to the factor. These lines of credit are funded by lending institutions and insured by the US Department of Housing and Urban Development. It is first come. When consumption is low it allows savings to increase therefore an abundance in savings naturally leads to a reduction in the rate of interest. Addressing this lending demographic was necessary, given that persons with exceptional credit were primarily targeted by predatory lenders.

The real risk in real estate lending is not understanding valuations over the term of the loan, because valuations are the only thing protecting any asset

Therefore to be chasing market share at the expense of quality and hence profit, is to have completely the wrong performance agenda. This would decrease homeownership solely because the number of lenders willing to take on even normal risk borrowers would shrink precipitously. Therefore, bankers pay especially close attention to the borrowers balance sheet and income statement in order to gauge future cash flow and the takecharge capital.

The average salary for a loan officer is around 5 times the gross national income per capita of the country in which they work. They may see this as more of an opportunity than simply helping a former classmate in need. A typical ABL scenario offive looks something like this. So, if they find today they have too many retail centers in their portfolio, they will decide over night and without a warning to shift to apartment buildings.

Either let them take the credit, or have them confirm that the receivables and inventory are as strong as you think they are.

On top of financial expenses, financial institutions must accrue a loan loss reserve expense on any money they lend. Presently, however, the major losers in terms of real dollars have been the hedge funds for the small business loan. The lender must order the appraisal.

If it was for no major bank credit expansion the supply of money in the economy would have stayed unchanged.

Nor is this simply a case of a team at head office with a dialler who are focused on reducing arrears. This drew many lenders to lower income borrowers. In this case, the credit position would still be ours.

Every economy has at each given time a given supply of money

D. A fairly new offshore pool hall opportunity is available in a number of jurisdictions.

The new required disclosures proposed by Senator Bond are not unreasonable. Once it purchases an invoice, the factor manages the receivable until it is paid. This supply of money is used partially for consumption while another part is used for saving and investment in production capital. To have a prosperous economy a nation must have a healthy not excessive and not rigged lending sector.

For More Information: http://en.wikipedia.org/wiki/Small_business

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Tags: bad credit, cash advance, merchant cash advance, restaurant loan, small business

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Small Business Marketing - tistheosmegas

One of the great challenges facing small business owners is that they must often battle for customers against larger competitors, who can afford to run more advertising, offer lower prices, and who are better established in the marketplace.

And yet some small business owners do it very successfully. How?

There are some proven marketing strategies to use when competing against larger, more established competitors. These strategies have been used successfully by companies of all sizes to drive sales and carve out a sustainable position in the market. They apply to online commerce and traditional small businesses.

Here are details on two such strategies that you can use as a small business owner to help grow your business when competing with larger competitors:

Take the "Alternative" Position

If you are up against the market leader in your business, shift your market position so you don't compete directly with them on their turf. Become the "alternative" to the market leader - that is, promote and advertise an aspect of your product/service that the leader simply can't offer. This is a classic marketing strategy that has been used successfully by small companies and major corporations, because it allows you to compete with the leader in a part of the market where they may not be very strong.

Pepsi couldn't beat Coke at the cola wars, because Coke was viewed as the original cola drink that had no substitutes. That was fine with Pepsi. It let Coke have that territory, and instead marketed itself as the "Choice of a New Generation". Its marketing appeal and target audience was young and cool - everything that Coke couldn't be with their more traditional positioning. Pepsi successfully carved out the number 2 position in the market by becoming the primary alternative to Coke, and made billions in the process.

The rule applies to everything from .com companies to local furniture stores. Survey the competitive landscape in your market and determine how you can position your business as the best alternative to the established market leader. Second place in a given market can be a very nice place to be from a profitability standpoint.

Sell what they don't have - You!

Many small business owners have found success by building their personal reputations as experts in their field, with significant benefits to their small business. They have become the "public face" for their company.

Some large companies have a "public face", a person who represents the company in the minds of customers (Richard Branson for Virgin is one). But most don't. As a small business owner, you can effectively represent yourself as an expert in your area of expertise, and drive awareness for your small business in the process.

One of the most effective ways to build your reputation is through the credibility that comes from publicity and media relations activities.

Here are some guiding principles to working with the media as a small business owner:

View it as a relationship - reporters need story ideas and expert sources - you can offer both when it comes to your area of expertise to create a win-win situation

Pitch story ideas about what's new and what's changing - the media likes to break news about emerging trends, either in your industry or related to your experience as a small business owner

Strive for repeat business - once a reporter has identified you as a good source of information on a topic, they will keep coming back to you - so ensure that early in your relationship you are available to them and willing to offer help in getting information for them to pull a story together

Having a single person leading the charge to build media relationships and run the company makes it easier to transfer the goodwill that you achieve in the media over to your business activities. This doesn't work nearly as well for larger companies, so leverage this competitive advantage and take a personal approach to building your business through publicity.

You Can Compete!

Small business marketing is all about leveraging the built-in advantages of being a small enterprise in the battle against larger competition for customers and sales. Establishing your business as an alternative to the market leader in your business, and building personal credibility that can be transferred to your small business are just two strategies that you can implement to help your small business succeed against bigger competitors.

Source: http://tistheosmegas.blogspot.com/2012/11/small-business-marketing-strategies-for.html

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CHINA MONEY-China creates taxation income a financial process tool

Thu Nov 22, 2012 1:01am EST

* Sharp enlargement of mercantile deposits over past decade

* Such deposits can be used by regulators to inject money

* Cash injections in late 2012 to strech record level

* PBOC might not need to cut RRR for rest of year

By Lu Jianxin and Pete Sweeney

SHANGHAI, Nov 22 (Reuters) ? Government revenues deposited
in Chinese blurb banks have grown so vast that regulators
have been means to use them as a financial process tool, increasing
the pointing with that Beijing can conduct growth.

By sensibly auctioning supervision deposits and by
directly redistributing income lifted from taxes and fees to
companies and supervision departments, a Ministry of Finance
(MOF) is now means to use supervision assets to influence
short-term appropriation costs in a wider economy.

This means that marketplace players who guard a central
bank?s open marketplace operations for clues as to a instruction of
monetary process contingency keep another eye on a cycle of funds
moving in and out of accounts tranquil by a MOF.

?Fiscal deposits have spin a vital cause to change the
central bank?s financial process as good as income markets,? pronounced a
senior merchant during a Chinese state-owned bank in Beijing.

?In months when a marketplace is brief of liquidity, the
ministry can also use supervision deposition auctions to assistance the
central bank boost income supply. In this sense, mercantile deposits
are indeed being used as a financial apparatus as well.?

THE WAY IT WORKS

Chinese companies and other institutions, that compensate taxes
and fees to a MOF and a internal offices, contingency deposition these
payments into accounts during designated blurb banks in the
form of mercantile deposits. Such deposits can?t be used by
commercial banks and play no purpose in financial policy.

However, 3 times per month, a blurb banks hand
over all of these deposits to a People?s Bank of China (PBOC),
where they spin partial of a PBOC?s financial base. This base
money can be possibly defended in times of additional liquidity, or
pushed behind into a complement in a form of MOF spending, deposit
auctions and refunds on taxation overpayments.

A diminution in mercantile deposits on blurb banks? balance
sheets therefore implies some-more income has been handed over to the
state and is now accessible for income injection.

On months when mercantile deposits drop, a PBOC customarily has
less need to inject short-term income into a complement in a form
of retreat repurchase agreements, given income is entering the
system by channels tranquil by a MOF.

There are transparent anniversary characteristics to a upsurge of
funds.

In December, for example, a MOF typically injects large
amounts of income in a form of taxation refunds, subsidies to
government institutions and income transfers to companies in
pillar industries.

Deposits also tend to diminution in March, June, September,
and November, while other months customarily uncover net fiscal
deposits increasing, tightening income supply in a banking
system.

RECORD INJECTION

An bargain of a MOF?s position on any given month
can be simply subsequent from monthly information on blurb banks?
end-month mercantile deposits published by a PBOC.

The method accessible a mercantile over-abundance of 829.6 billion yuan
($133.2 billion) in a initial 10 months of 2012, and is set to
generate some-more over-abundance in a final dual months.

A Reuters research of a information shows that a MOF is likely
to siphon a record high 1.6 trillion yuan into a complement in the
last dual months of this year. Data suggests it injected slightly
lesser amounts during a same duration given 2008, compared to
under 580 billion yuan in 2007 and reduction than 220 billion yuan in
2002 during a same period.

The supervision has designed to record an altogether budgetary
deficit of 800 billion yuan for 2012, implying that a entirety
of a mercantile over-abundance will be plowed behind into a economy,
supplemented by additional necessity spending.

THE AUCTION MECHANISM

The impact of supervision spending on subsidies, refunds and
transfers is formidable to magnitude precisely, though a auction of
deposits combined by supervision revenues is easier to manage.

Such deposits are auctioned for specific durations of time -
usually between 3 and 6 months ? definition regulators and
money marketplace participants can design how prolonged a income will
be in a system.

This year?s auction volume for such deposits is equivalent
to around half of a sum volume of open marketplace operations
conducted by a executive bank, injecting a record 690 billion
yuan into blurb banks so distant this year, adult from 450 billion
yuan in 2011 and 170 billion yuan in 2008.

This means that even as a PBOC has mutated its
open-market operations to concentration roughly exclusively on a usage
of retreat repos with tenors of reduction than one month to manage
the interbank income supply, it has a massive
pool of accessible deposits to tumble behind on if necessary.

The coherence this toolset provides China?s economic
managers has authorised them to conflict calls to revoke a reserve
requirement ratio (RRR) during blurb banks for a third time
this year, even as world?s second-largest economy slowed to its
slowest in 3 years in a third quarter.

This in spin authorised regulators to continue to fight
inflation ? that regulators fear would be aggravated by another
RRR cut given such cuts inject income into a complement that
cannot simply be pulled behind out ? but formulating a liquidity
crisis.

As a result, traders pronounced that short-term income rates for
the benchmark seven-day bond repurchase rate have
remained in gentle domain around or subsequent 3 percent even
as a executive bank has authorised income to empty from a system
through open marketplace operations for a final 3 weeks.

Traders design rates to sojourn fast or even diminution in
most partial of December.

Although 2013?s bill will not be motionless until subsequent March,
if China?s economy continues to recover, mercantile revenues will
likely arise further, giving a Ministry of Finance even more
firepower to change rates.
($1 = 6.2302 Chinese yuan)

(Editing by Kim Coghill)

Article source: http://www.reuters.com/article/2012/11/22/markets-china-debt-idUSL4N0920TO20121122

Source: http://thecashcollector.com/china-money-china-makes-tax-revenue-a-monetary-policy-tool/?utm_source=rss&utm_medium=rss&utm_campaign=china-money-china-makes-tax-revenue-a-monetary-policy-tool

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auto insurance-Falmouth - Kasa De Kriz

auto insurance Falmouth ME There are more cars on the road every year. As this number goes up, the possibility of accidents also goes up. The difference between a little aggravation and large pain can be car insurance. So how do you know what type of car insurance you need and how much to buy? Coverage requirements vary by state/province, but usually include the following: Liability: Pays for the expenses you are responsible for in a car accident, including property damage and injury. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to car repair costs and loss of property use. If you are sued, it also pays your legal fees. Local laws usually require minimum amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person?s reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This could include weather damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are ignoring the law by driving without owning the right amount of car insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from people driving without enough insurance protection. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle?s make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some drivers may not want to pay for auto insurance, but it is truly something you don?t want to live without. Review your needs, do your research , and with the guidance of your insurance agent, choose the option that fits you best.

Source: http://kasadekriz.com/auto-insurance-falmouth/

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Plant Paleoart Through the Ages

?History of Geology? will be dedicated until the end of the world year to two topics ? the evolution of paleoart and ? appropriately ? the supposed age and end of the earth. A first glimpse on paleoart introduced the early soft-tissue reconstructions of animals, however also other organisms are worth to be studied, reconstructed and displayed.

?There are so many plants on the earth, that there is a danger to thinking them trivial?[]
?Carl Sagan in ?Cosmos, ep. 2 ? One Voice in the Cosmic Fugue?

Plants are possibly the first fossils recognized as the remains of once living organisms ? as many fossil species still resemble extant species. Similar to other fossil groups, also paleoart involving plants experienced various phases. Before the 19th century pictorial representation of single fossils dominated following the tradition of early ?collections and classifications of empirical knowledge?.
Already in 1699 the English naturalist Edward Lhwyd (1660-1709) depicted various fossil plants in his catalogue ?Lithophilacii Britannica ichnographia,?[]?. Also the ?father of modern binomial nomenclature? Carl von Linn? (1707-1778) studied and published some notes about plant fossils hosted in the cabinets of curiosities of Swedish noblemen. The oldest published work dealing almost exclusively with fossil plants is the ?Herbarium diluvianum? by the Swiss scholar Johann Jakob Scheuchzer (1672-1733), published in various edition between 1709 and 1723.

Fig.1. Plate from J.J. Scheuchzer?s opus magnus ?Herbarium diluvianum? (1709-1723) (image in public domain).

In 1804 the German Geologist Ernst Freiherr von Schlotheim (1764-1832) published a description of Permian plants with the title ?Beschreibung merkw?rdiger Kr?uter-Abdr?cke und Pflanzen-Versteinerungen/Description of curious imprints of herbs and plant-petrifactions?, where he classified various fossil plants comparing their supposed ecology with modern plants ? the first real book on paleobotany.

Fig.2. Plate from Caspar von Sternberg?s ?Versuch einer geognostisch-botanischen Darstellung der Flora der Vorwelt/Attempt of a geognostic-botanical presentation of the flora of the ancient world? (1820-1838), showing the ?bark? of an extinct Lepidodendron-?tree? related to the modern clubmosses (image in public domain).

Thereafter the interest of naturalists shifted soon from single specimens to entire plant communities. The increased mining and quarrying activity in Victorian Britain and during the Industrial Revolution exposed especially remains of paleozoic (roughly 541 to 252,2 million years ago)? plants, preserved in coal layers.

Fig.3. & 4. ?Vegetation of the Devonian Period, restored?, a scenery published in? the book ?The Geological History of Plants? (1888) by Canadian geologist John William Dawson (1820-1899), like the Carboniferous ?Lepidodendron tree? shown below (images in public domain).Similar to paleoart involving dinosaurs also this iconic scenery persisted for decades in popular media. Still today ?The ?coal swamp? is one of the most powerful images in palaeontology. Dense, dark, and damp populated by strange trees, giant dragonflies, and sluggish tetrapods resting on rotting logs -a diorama can be found in almost every museum and is short-hand for the Carboniferous tropics. However appealing, this visual representation of the coal-swamp forest, based on analogy with modern tropical rainforests, is largely inaccurate.? (cited from W.A. DIMICHELE (2001): ?Paleobiology II?).

However unlike modern forests, dominated by two large plant classes (tropical forests for example by angiosperms and boreal forests by gymnosperms) or by only a few species, the Carboniferous (about 359,2 about 299,0 million years ago) forest was composed of at least four classes and more than ten orders of plants ? with different morphology and ecology. The plant community found in a ?coal swamp? has therefore no modern analogy. Despite this fundamental problem, also most illustrations tend to oversimplify or generalize ancient ecosystems.
For example modern swamps and mires are characterized by a spatial gradient of various ecological factors, like nutrients and hydrology, and to complicate this situation these factors can change also over time. Stumps found in fossil coal layers are signs of a high water level, killing and preserving parts of plants. Charcoal layers show a decrease of the water level and drying up of the mire. The climate and therefore the environment of the Carboniferous swamp was not so monotonous as we like to think ? there were phases of inundation followed by phases of drought.

Also focusing on a single species can be problematic. Today clubmosses (Lycopsida) are small, herbaceous plants, however during the Carboniferous several varieties of giant clubmosses evolved ? the dominant ?tree? shown in most reconstructions of coal swamps.

Fig.5. The modern clubmoss-species Huperzia selago.

The genus Lepidodendron (or ?scale tree?), a 35m high ancient clubmoss-species, was known for almost 200 years from the fossil imprints of the ?bark?, characterized by a typical regular patter of scars left by needlelike leaves (lik shown in fig.2. and fig.4.). Despite being common in most reconstructed Carboniferous landscapes, Lepidodendron was a plant limited in its geographical and temporal range. Adapted to a wet environment, it became extinct during the late Carboniferous when the climate became drier, replaced by other, smaller clubmoss-species.

Also the ?classic? anatomy of Lepidodendron shown in many drawings is probably not entirely correct. An important difference to modern clubmosses is the position of the organs of reproduction ? the sporangia (reseambling a sort of? a cone) ? in the fossil species. The sporangia are found at the end of twig-like structures. Many artists like to show Lepidodendron resembling a modern tree ? characterized by a stem with various branches supporting the cones. However a terminal sporangium could only be produced by a full-grown plant. Younger and immature specimens resembled probably modern clubmosses, with simple unbranched ?trunk?.
It is therefore more plausible to assume that Lepidodendron formed very open forests, with single small, unbranched and large, branched specimens, accompanied by various other plant species.

Bibliography:

BOWDEN, A.J.; BUREK, C.V. & WILDING, R. (eds.) (2005): History of Palaeobotany ? Selected essays. Geological Society Special Publication 241: 304
DAVIDSON, J.P. (2008): A History of Paleontology Illustrations. Indiana University Press, Bloomington: 217

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Home Grown, Locally Owned | clintonmochamber - Trevino Milton's ...

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The Clinton Chamber of Commerce salutes the many businesses that are the backbone of our community. When you support local businesses, you help maintain the character of our community, provide continuing opportunities for entrepreneurs, create local jobs and strengthen our community?s economy.

This week our featured business is Antiques on Washington, on the west side of the historic Clinton Square.? Karen Switzer is the owner of Antiques on Washington and opened the store in 2003.

Antiques on Washington features furniture, tools, glassware, linens, and many other antique items.? There are over 100 antique-framed pieces of art?paintings and photographs.? They don?t do a lot of refinishing at this store, preferring instead to buy their antiques in good condition for their customers.? They do small repairs, but their main goal is to have antique items the way they were originally.

Karen?s ?real? job is with her husband, Jim, in the Switzer Law Office where she is a paralegal and works full time.? She checks the store nearly daily and spends many evenings and weekends there.? She has other help, of course, that keeps the store open during the day.? Antiques on Washington provides three jobs to our community.

Karen has always enjoyed antiques and auctions.? She grew up in rural southern Indiana where her parents and grandparents had a lot of antiques in their homes.? She learned her passion from her mom who took her to auctions, thrift stores and antique stores for fun.? It is what they enjoyed doing together.

Karen believes that antiquing is green and good for our society?antiquing is the ultimate recycling!? Antiques on Washington provides two jobs to our community.? Martha Peck and John Palmer both work part-time in the store.? John does everything from fixing to refinishing and working behind the counter.

Karen has inherited a number of family treasures and naturally enjoys them in her home.? She also likes passing on the tradition of family treasures to her own family by also helping others establish the tradition of a family treasure.

The one thing Karen has in her store that is not antique is selected Missouri products.? She carries the Peculiar Spice Company products that include soup, dip, cheesecake and salad mixes.? She also has Farm House Soap made in Holden, Mo.? Both of these make great gifts.

Antiques on Washington is open seven days a week?10 a.m. until 5 p.m. during the week and noon to 5 p.m. every Sunday.? Check out this home grown, locally-owned business and you may just find a new treasure for your family!

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Source: http://clintonmochamber.wordpress.com/2012/11/21/home-grown-locally-owned-32/

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Haunting Truth Or Dare - Again

Haunting Truth Or Dare - Again

A group of best friends believe that after playing a game of Truth Or Dare, the house is haunted. But it's not just the house, creepy stuff happens, will they be able to solve this mystery? ((MORE INSIDE!))

Owner:

Game Masters:

Topic Tags:

online roleplay roleplay online -->

HTML, for websites and MySpace:

BBcode, for forum posts and signatures:

--> Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.

Please Make Reserves Here

Last edited by alight on Sat Nov 24, 2012 2:09 am, edited 4 times in total.
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alight
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may i reserve elizabeth gillies please

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Echo_Rose
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@ Echo-Rose, Yes you may.

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alight
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I will have my character in soon mmk

?What's the name of your insurance company?"
"Your Fault."

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Home inspections - Plymouth real estate & home buyer tips - Detroit ...

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What is a home inspection for?? A home inspection's primary reason is to determine the overall condition of the home and to point out major flaws.? You want to know whether it is a money pit that you are going to have to pour a ton of money into this piece of Plymouth real estate.? As a home buyer you do not want to have to buy a furnace, put on a roof, redo the electrical if you are paying top price.?

You do not want to buy a Plymouth home that has structural or environmental problems.? You do not want to buy a piece of Plymouth real estate that has major safety issues or potential health issues.? The purpose of a home inspection is find out if there are major issues, issues that are going to cost a lot of money, or even if there is a huge number of small issues.?

You should not go into a home inspection thinking of it as a second negotiating session.? If you find major issues is get them fixed, or get a price reduction so that you can fix them yourself.? Do not go into a home inspection to get thousands of dollars knocked off for a couple of minor issues that cost $500.

So keep that in mind your Plymouth home inspection is to find out whether there are health, safety, or environmental issues that will a major cost or concern for you.? If there is mold in the house and your kids have asthma then this Plymouth house may not be for you no matter what the price reduction.

I hope these Plymouth real estate & home buyer tips make your home buying process a little smoother.? Have a great day!

?

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Plymouth MI sellers advice - should I offer a home warranty to the buyer?

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Exports, consumption drive meager German growth in third quarter

BERLIN (Reuters) - Exports and private consumption helped Germany to keep growing in the third quarter of 2012, albeit at a slower rate than previously, as Europe's largest economy felt the pinch of the euro zone crisis.

The Federal Statistics Office on Friday confirmed its initial estimate that German gross domestic product growth slowed 0.1 percentage points to 0.2 percent in the three months to end-September.

The breakdown showed exports supported growth in the third quarter, rising 1.4 percent, while government spending gained 0.4 percent and private consumption was up 0.3 percent.

Germany held up strongly during the first two years of the debt turmoil that has hammered Europe but a slide of a number of the continent's economies into recession and a worsening global outlook has prompted companies to hold off on investments.

The seasonally-adjusted data showed gross capital investment made no contribution to German growth in the third quarter.

"Businesses are investing less in machines and other equipment. The only explanation for that is a crisis of confidence - which means the German economy will lose more speed," said Holger Schmieding of Berenberg Bank.

Chipmaker Infineon has already said it will cut planned investments.

"The tough savings measures in southern Europe, weaker growth in China and uncertainty over the euro crisis are all contributing factors," said Schmieding.

Economists expect a contraction in the fourth quarter but forecast Germany will avoid a recession - defined as two consecutive quarters of quarter-on-quarter falls in GDP.

German business morale measured by the Ifo index is due at 0900 GMT and is expected to fall for the seventh successive month to the lowest in almost three years in November. Business expectations, however, are seen steady, pointing to a recovery next year.

Data this week showed service providers' expectations were the most downbeat since March 2009 as firms became more worried that clients would slash their budgets next year and that the euro zone crisis would hamper a German recovery.

(Additional reporting by Alexandra Hudson and Stephen Brown; Editing by Stephen Brown and Patrick Graham)

Source: http://news.yahoo.com/germany-keeps-meager-growth-third-quarter-exports-consumption-070823824--business.html

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