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English to Croatian: William Earnest Henley: Invictus General field: Art/Literary Detailed field: Poetry & Literature
Source text - English Out of the night that covers me,
Black as the pit from pole to pole,
I thank whatever God may be,
For my unconquerable soul.
In the fell clutch of circumstance,
I have not cried nor winced aloud,
Under the bludgeoning of chance,
My head is bloody but unbowed.
Beyond this place of wrath and tears
Looms but the horror of the shade,
And yet the menace of the years
Finds and shall find me unafraid.
It matters not how straight the gate,
How charged with punishments the scroll,
I am the captain of my fate,
I am the master of my soul.
Translation - Croatian William Earnest Henley: Nepobjediv
Noć koja me pokriva,
Crna poput jame bez dna,
Zahvaljujem Bogu ma koji biva,
Za dušu koja je nepokorena.
Pod žrvnjem okolnosti,
Ne plačem i ne dršćem na javi,
S maljem mogućnosti na
mojoj krvavoj, nepognutoj glavi.
Daleko od suza i gnjeva,
Tmasta jeza se provlači,
A prijetnja tih mijena,
Bez straha će me naći.
Nije bitna snaga zidine,
Ili osude koje na me se ruše,
Ja kapetan sam svoje sudbine,
I gospodar svoje duše.
English to Croatian: Groups, Roles, and Rights General field: Tech/Engineering Detailed field: IT (Information Technology)
Source text - English Groups, Roles, and Rights
Users are able to perform tasks and gain access to specific features in xy based on the rights held by their user account. To gain rights, user accounts must belong to the groups you set up in User Setup.
By grouping user accounts, you can organize users and control the scope of their access within xy. Using groups, roles, and rights, you can enhance the security ofxy, steer users to targeted content, and ensure that anonymous users are automatically given appropriate rights.
Groups are based on the roles they are assigned, while roles are based on the rights they are assigned. Rights, roles, and groups are defined as follows:
• A right is a permission to perform a specific task.
• A role is a set of rights typically consisting of a set of related rights that should be assigned together. However, you can create a role from any of the rights available in xy.
• A group is a set of roles that defines the scope of a user account. Users can belong to more than one group, and their overall scope is determined by all of the rights they have.
Working with Roles
Using roles, you can create a system of groups, each with a different scope, to meet user and administration needs. Roles are reusable, allowing you to associate the same role with any number of groups. A role for a group of users who publish events would typically include the following rights: Add event, Modify event, and Delete event. However, if some users are allowed only to add events, they must be placed in a second group, with a role that excludes the Delete event and Modify event rights.
Adding a Role
To add a new role:
1. Click User Setup > Roles > Add.
2. Enter a name for the new role in the Name field.
3. Enter a description for the new role in the Description field
4. Select the rights you want the new role to have.
5. Click Save to save the new role, or click Reset to delete the information you entered.
Translation - Croatian Grupe, uloge i prava
Korisnici mogu izvršavati zadatke i pristupiti određenim programima u xy na temelju prava koja proistječu iz njihova korisničkog računa. Kako bi stekli ta prava, korisnički račun mora pripadati grupi koju ste podesili u Korisničkim postavkama.
Grupirajući korisničke račune, možete organizirati korisnike i kontrolirati opseg njihova pristupa xy-u. Korištenjem grupa, uloga i prava možete povećati razinu sigurnosti xy, usmjeravajući korisnike prema željenim sadržajima te osigurati da se anonimni korisnici automatski dodjeljuju odgovarajuća prava.
Grupe se temelje na dodijeljenim ulogama dok se uloge temelje na dodijeljenim pravima. Prava, uloge i grupe definiraju su kako slijedi:
• Pravo je dopuštenje za obavljanje specifičnog zadatka.
• Uloga je skup prava koja se obično sastoje od skupine povezanih prava koja se trebaju dodijeliti zajedno. Međutim, ulogu možete kreirati od bilo kojeg prava dostupnog u xy-u.
• Grupa je skup uloga koje određuju opseg korisničkog računa. Korisnici mogu pripadati jednoj ili više grupa, a njihov sveukupni opseg određen je svim pravima koje imaju.
Rad s ulogama
Korištenjem uloga možete stvoriti sustav grupa, svaku s posebnim opsegom, kako biste udovoljili potrebama korisnika i administratora. Uloge se mogu iznova koristiti te vam na taj način omogućiti povezivanje jedne te iste uloge s neograničenim brojem grupa. Uloga za grupu korisnika koji stvaraju aktivnosti obično uključuje sljedeća prava: Dodaj aktivnost, Modificiraj aktivnost i Obriši aktivnost. Međutim, ukoliko je nekim korisnicima dozvoljeno samo dodavanje aktivnosti, oni moraju pripadati drugoj grupi s ulogom koja isključuje prava za Obriši aktivnost i Modificiraj aktivnost.
Dodavanje uloge
Za dodavanje nove uloge:
6. Kliknite Korisničke postavke > Uloga > Dodaj.
7. Upišite ime nove uloge u polje Ime.
8. Upišite opis nove uloge u polje Opis.
9. Odaberite prava koja želite da ima nova uloga.
10. Kliknite Spremi, za memoriranje nove uloge ili Ponovo podesi za brisanje unesenih podataka.
English to Croatian: Avoiding Buffer Underruns General field: Tech/Engineering Detailed field: IT (Information Technology)
Source text - English Data buffering is the process in which the data to be written to the CD is stored in a temporary location before being sent to the CD-R/RW drive. All CD-R/RW drives absolutely require that data written to the CD be streamed to the drive in one continuous flow. If this data stream is interrupted, for any reason, the potential for the drive to essentially 'run out' of data is very high. When the drive runs out of data, a buffer underrun occurs and the disc is usually rendered unusable.
This is why data is usually buffered before it is sent to the drive. This buffering allows the software to account for small changes in the data stream, which may be caused by any number of external factors.
There are many things the user may do to help avoid buffer underruns.
Defragment Hard Drives
When files are first written to a new hard drive, they are stored sequentially. Essentially, the entire file is written from start to finish, in one contiguous area of the drive. As a hard drive is continuously used, files are constantly being added and deleted, freeing up space in previously written areas.
When new files are then added to the hard drive, the operating system attempts to use up all of this free space. Very often, the amount of free space is too small to store the entire new file. As a result, files can no longer be written in one large contiguous space. The files are divided into smaller portions and stored in the various small free spaces spread over the drive. The files become 'fragmented'.
All of this fragmenting of files is done without the user's knowledge or interaction. To the users, the file appears as one large file within their systems.
When trying to write these files to a CD, the system must put all of the file fragments back together before sending them to the CD-R/RW drive. This requires large amounts of time for hard drive seeking and CPU overhead. As a result, the flow of data to the drive may be interrupted.
To help alleviate this problem, it is suggested that the users periodically defragment their hard drives. Defragmenting reorganizes all of the files on the hard drive so that they are all stored in one contiguous area, from start to finish.
Windows 95/98/2000 and ME provide a utility to do so. There are also many third party utilities to perform this same task.
Translation - Croatian Prevencija zastoja bafera
Međuspremanje podataka je proces u kojem podaci koji se trebaju zapisati na CD-u su pohranjeni na privremenu lokaciju, prije nego što se pošalju CD-R/RW uređaju. Svi CD-R/RW uređaji obvezatno zahtijevaju da podaci koji se trebaju zapisati na CD budu poslani uređaju u jednom, jedinstvenom tijeku. Ukoliko je taj protok podataka prekinut, iz bilo kojeg razloga, vjerojatnost kako su podaci „iscurili“ je veoma velika. Kada podaci iscure iz uređaja, javlja se zastoj bafera i disk se obično ne može koristiti.
To je razlog zašto se podaci obično spremaju u međuspremnik prije nego što se pošalju u uređaj. Ovo međuspremanje omogućava softveru razjašnjavanje malih promjena u protoku podataka, koji mogu biti izazvani raznoraznim vanjskim čimbenicima.
Korisnik može učiniti više toga u prevenciji zastoja bafera.
Defragmentiranje tvrdog diska
Kad su datoteke po prvi put zapisane na novom tvrdom disku, spremljene su uzastopno. U osnovi, cijela datoteka je zapisana od početka do kraja u jednom, neprekidnom dijelu diska. Neprekidnim korištenjem tvrdog diska, datoteke se neprekidno dodaju i brišu oslobađajući tako prostro u prethodno ispisanim područjima.
Pri dodavanju novih datoteka na tvrdi disk, operacijski sustav nastoji iskoristiti taj slobodan prostor. Često je taj slobodan prostro premali za spremanje cijele nove datoteke. Rezultat toga je taj što datoteke ne mobu više biti zapisane u jednom velikom, neprekidnom dijelu diska. Datoteke se dijele na manje dijelove te se spremaju u raznim malim područjima na disku. Datoteke tada postaju „fragmentirane“.
Cjelokupno fragmentiranje datoteka vrši se bez znanja ili djelovanja korisnika. Za korisnicima datoteka i dalje izgleda kao jedna velika datoteka u okviru njihova sustava.
Pri pokušaju zapisivanja ovih datoteka na CD, sustav treba ponovo objediniti ove dijelove prije nego što ih pošalje CD-R/RW uređaju. To zahtjeva dosta vremena za pretraživanje tvrdog diska i rad samog računala. To može rezultirati u prekidu tijeka podataka prema uređaju.
Kako bi se ovaj problem ublažio, predlaže se korisnicima povremeno defragmentiranje tvrdog diska. Defragmentiranje je proces pri kojem se ponovo organiziraju sve datoteke na tvrdom disku te su sve datoteke pohranjene u jednom neprekidnom prostoru, od početka do kraja.
Windows 95/98/2000 i ME sadrže program koji omogućava defragmentiranje. Također, postoje i programi drugih tvrtki koje obavljaju isti taj zadatak.
English to Croatian: Brand protection General field: Marketing Detailed field: Business/Commerce (general)
Source text - English Brand protection
Online brand protection has never been more critical:
• Incidents of online fraud and phishing are on the increase by professional scammers
• Domain squatters will attempt to buy your website address at the earliest opportunity
• Porn and gambling providers will divert traffic from your website to their own
• Counterfeiters will sell fake goods in your name online
• Disgruntled employees and lobby groups will create damaging websites using your name and logo in order to encourage the boycott of your brand
To prevent the above from happening to your organisation, XY provides the services, expertise, intelligent systems and actions necessary to keep your brand and revenue safe from fraudsters, counterfeiters and online criminals.
Whether your company is large or small, in the UK or across the globe, and regardless of industry, XY can save you time and money in identifying, monitoring and prioritising infringements, allowing you to focus on the important work of taking action against the fraudsters.
• XY brand protection services are completely unique and more advanced than anything else on the market. In fact, they are so unique, that some of our competitors use them and resell them as part of their package
• Because we are flexible in the way we offer our services, you can choose whether or not you would like off-the-shelf brand protection software, or a more customised brand protection service
• XY is the only brand protection supplier that offers a complete suite of products from entry level solutions at around £250, right the way through to comprehensive brand protection services tailored to your business requirements.
XY – protecting your brand is our domain
Translation - Croatian Zaštita robne marke
Internetska zaštita robnih marki nikad nije bila potrebnija:
• Slučajevi internetskih prijevara i krađe identiteta u porastu su i provode ih profesionalni varalice
• Neetični kupci domena pokušat će kupiti Vašu internetsku adresu čim im se za to ukaže prilika
• Ponuđači pornografskih i kockarskih internet sadržaja preusmjerit će promet s Vaših internet stranica na svoje
• Krivotvoritelji robnih marki prodavat će lažne robne marke pod Vašim imenom putem interneta
• Nezadovoljni zaposlenici i grupe lobista kreirat će štetne internetske stranice koristeći se Vašim imenom i logotipom, kako bi potaknuli bojkot Vaše robne marke
Kako bi sve to spriječili da se dogodi i Vašoj tvrtki, XY nudi usluge, stručnost, inteligentni sustav i postupke neophodne u zaštiti Vaše robne marke i prihoda od varalica, krivotvoritelja i internetskih kriminalaca.
Usluge zaštita robne marke tvrtke XY uključuju:
• Usluge borbe protiv krivotvorenja robnih marki
• Usluge protiv zloupotrebe robnih marki
• Usluge praćenja ugleda
Bez obzira je li Vaša tvrtka velika ili mala, obuhvaća li samo tržište Velike Britanije ili cijelog svijeta, tvrtka XY može Vam uštedjeti vrijeme i novac otkrivajući, nadzirući i baveći se isključivo zloupotrebama robnih marki, omogućivši Vam tako koncentriranje na bitno, a to je poduzimanje konkretnih postupaka protiv varalica.
• Usluge zaštite robne marke tvrtke XY jedinstvene su i najnaprednije od svih sličnih usluga koje se nude na tržištu. U stvari, toliko su jedinstvene, da ih koristi i naša konkurencija te ih preprodaje kao dio vlastitog paketa usluga
• Usluge koje nudimo su fleksibilne, možete odabrati želite li gotovi, komercijalni softver za zaštitu robne marke ili uslugu zaštite robne marke baš po Vašoj mjeri
• Tvrtka XY jedina nudi zaštitu robne marke kao potpuni paket usluga, možete odabrati od početnih rješenja za oko 250 £, brzih rješenja pa do sveobuhvatnih usluga zaštite robne marke skrojenih po Vašim potrebama.
XY- zaštita Vaše robne marke naš je zadatak
English to Croatian: web site content-review General field: Marketing Detailed field: Marketing / Market Research
Source text - English Name: ISH review
Month: April 2011
xxy, xxy and hundreds of new products for the bathroom and kitchen – the 2011 xy ISH review
Intro
Five days, 350 new products and thousands of visitors from all corners of the globe – the xy stand at the ISH fair in Frankfurt was one of the talking points amongst industry professionals. On show: breathtaking new designs, a complete digital portfolio and the launch of xy ensured there was something for everyone.
If you couldn’t make it to ISH, or you just want to refresh your memory, then visit our facebook page where you will find video footage, trend reports and photographs of the new launches. Or take a tour of our virtual stand, for further information about each product category.
Vote for your favourite new product now! [link to product section for voting]
facebook page = link to facebook page (http://www.facebook.com/xy)
virtual stand = link to virtual stand tour on .com]
Translation - Croatian Ime: Reportaža sa ISH sajma
Mjesec: Travanj 2011
xxy, xxy te stotine novih proizvoda za kupaonicu i kuhinju – reportaža o sudjelovanju tvrtke xy nna ISH sajmu 2011. godine.
Uvod
Pet dana, 350 novih proizvoda i tisuće posjetitelja sa svih strana svijeta – štand tvrtke xy na ISH sajmu u Frankfurtu bio je glavna tema razgovora brojnih sudionika sajma iz ove profesije. Predstavljeni su: zadivljujući novi oblici, kompletno digitalizirana paleta proizvoda, a a lansiranjem xy pobrinuli smo se da ima za svakog po nešto.
Ako niste mogli doći na sajam ISH ili se možda želite podsjetiti, posjetite našu facebook stranicu, tu ćete pronaći videosnimke, reportaže i fotografije naših novih proizvoda. Za više informacija o svakoj pojedinačnoj kategoriji naših proizvoda pogledajte naš virtualni štand.
Odmah glasujte za svoj omiljeni novi proizvod!
facebook stranica
virtualni štand
English to Croatian: TV user manual General field: Tech/Engineering Detailed field: Electronics / Elect Eng
Source text - English ANTENNA CONNECTION
Cable TV (CATV) Connection
NOTE TO CATV SYSTEM INSTALLER
This reminder is provided to call the CATV system installer’s attention to Article 820-40 of the National Electrical Code (NEC) that provides guidelines for proper grounding and, in particular, specifies that the cable ground shall be connected to the grounding system of the building accurately, or as close to the point of cable entry as possible.
Use of this TV for other than private viewing of programs broadcasted on UHF, VHF or transmitted by cable companies for the use of the general public may require authorization from the broadcast/cable company, and/or program owner.
• A 75-ohm coaxial cable connector is built into the set for easy hookup. When connecting the 75-ohm coaxial cable to the set, place the 75-ohm cable into the ANT. terminal.
• Some cable TV companies offer premium pay channels. Since the signals of these premium pay channels are scrambled, a cable TV converter/descrambler is generally provided to the subscriber by the cable TV company. This converter/descrambler is necessary for normal viewing scrambled channels. (Set your TV to channel 3 or 4, typically one of these channels are used. If this is unknown, consult your cable TV company.) For more specific instructions on installing cable TV, consult your cable TV company. One possible method of utilizing the converter/descrambler provided by your cable TV company is explained below.
Translation - Croatian ANTENSKI PRIKLJUČAK
Priključak kabelske televizije (CATV)
NAPOMENA ZA INSTALATERA CATV SUSTAVA ANTENSKI PRIKLJUČAK
Priključak kabelske televizije (
Namjena ovog podsjetnika je privući pozornost instalatera CATV sustava na članak 820-40 standarda o sigurnosti električnih uređaja i postrojenja (National Electric Code - NEC), koji daje smjernice za ispravno uzemljenje, a posebno naglašava kako kabel uzemljenja treba biti ispravno spojen sa sustavom uzemljenja zgrade ili što bliže mjestu ulaska kabela.
Uporaba ovog televizora za druge svrhe osim osobne uporabe za gledanje emitiranih programa na UHF, VHF kanalima ili onih emitiranih od strane pružatelja usluga kabelske televizije za gledanje od strane stanovništva možda će zahtijevati dopuštenje televizijskih kuća/pružatelja usluga kabelske televizije i/ili vlasnika programa.
• Za lakši priključak u uređaj je ugrađen koaksijalni kabel od 75 Ohma. Prilikom priključivanja koaksijalnog kabela od 75 Ohma, postavite kabel od 75 Ohma na antenski terminal.
• Neki od pružatelja usluga kabelske televizije nude kanale uz dodatno plaćanje. Kako su signali tih kanala, koji zahtijevaju dodatno plaćanje, kodirani, pretplatnici pružatelja usluga kabelske televizije obično dobivaju TV konverter/dekoder za kodirane kanale. Taj konverter/dekoder za kodirane kanale je neophodan za normalno gledanje kodiranih kanala. (Podesite vaš televizor na kanal 3 ili 4, obično se koristi jedan od ovih kanala. Ako ovo nije jasno, posavjetujte se sa vašim pružateljem usluga kabelske televizije.) Za detaljnije upute vezane za instalaciju kabelske televizije, posavjetujte se s vašim pružateljem usluge kabelske televizije. Jedan od mogućih načina uporabe konvertera/dekodera za kodirane kanale kojeg ste dobili od vašeg pružatelja usluge kabelske televizije opisan je u nastavku.
English to Croatian: extract from a holding company documentation General field: Bus/Financial Detailed field: Finance (general)
Source text - English As part of our discussions with counsel, we discussed a variety of potential alternative structures, including: issuance of a convertible or an exchangeable instrument by the xy (on its own shares or on the shares of Bank), forward sale of shares by xy to lenders, issuance of preferred stock by the xy, mechanisms to remove the management of xy(and transfer such management responsibility in part to Lender) or decrease Mr. Smith’s ownership in an event of default (e.g., by transferring a deeply in the money call option to Lender that may be exercised in the case of an event of default). However, to the extent that all these contracts would require the investor/lender to make a claim against a Russian entity/borrower/issuer (i.e., HoldCo) for delivery of the underlying Bank shares in an event of default (with or without support of a Russian Law Pledge), they suffer from the same “frustration” risk as Structure 2. This risk would also affect the potential purchase by our company of a minority stake in Bank on a forward basis.
Possible Solutions
To the extent that modifying the ownership structure of Bank to allow for a foreign entity to own the shares used as collateral is not a viable route, our company has considered two key alternatives to structure the financing within the objectives of the Borrower and considering the risks outlined:
Russian Law Pledge: We will continue to investigate a financing structure where there is no transfer of title (e.g., continue to focus on Structure 2 above), where loan is secured by a Russian Law Pledge of the Asset. In this scenario, it is likely that our company would focus on hedging against the “frustration” risk by transferring that risk to a third-party counterpart (e.g. an insurance company). However, from our understanding, such “insurance contract” has not been provided before, and would be both difficult to source and adding to the financing costs.
Translation - Croatian Tijekom razgovora s vijećem, razmotrili smo i razne potencijalne alternativne strukture uključujući: izdavanje konvertibilnog ili zamjenjivog vrijednosnog papira tvrtke xy (vlastitih dionica ili dionica u vlasništvu Banke), terminsku (forward) prodaju dionica tvrtke xy imaocu vrijednosnice, izdavanje povlaštenih dionica tvrtke xy, mehanizme uklanjanja uprave tvrtke xy (djelomični prijenos odgovornosti uprave na imaoca vrijednosnica) ili smanjenje vlasničkog udjela g. Smitha u slučaju neispunjenja ugovorne obveze (npr. prijenos pozitivne (deep in the money) opcije poziva (kupnje) na imaoca vrijednosnice koju on može izvršiti u slučaju neispunjenja ugovorne obveze). Međutim, iako svi ugovori zahtijevaju da ulagač/imaoc vrijednosnice treba zahtijevati od ruskog subjekta/zajmoprimca/izdavatelja vrijednosnice (tj. xy) prijenos vlasništva predmetnih dionica Banke u slučaju neispunjenja ugovorne obveze (sa ili bez primjene ruskog založnog prava), oni će i dalje biti podjednako izložen riziku "izbjegavanja" kao u Strukturi 2. Ovaj rizik utjecat će i na potencijalnu kupnju manjinskog udjel u banci od strane naše tvrtke na terminskoj (forward) osnovi.
Moguća rješenja
Kako situacija izmijene vlasničke strukture Banke tako da strani subjekt može posjedovati dionice koje se koriste kao kolateral (pokriće) nije održivo stanje, naša je tvrtka razmotrila dvije ključne alternative za strukturiranje financiranja u skladu s ciljevima zajmoprimca vodeći računa o navedenim rizicima.
Rusko založno pravo: I dalje ćemo nastaviti istraživati financijske strukture u kojima nema prijenosa prava vlasništva (npr. i dalje ćemo se usredotočiti na gornju Strukturu 2), gdje je zajam osiguran prema ruskom založnom pravu. U ovom slučaju, vjerojatno će se naša tvrtka usredotočiti na premošćivanje rizika "izbjegavanja" prijenosom rizika na treću stranu (npr. osiguravajuće društvo). Međutim, prema našem shvaćanju takav "ugovor o osiguranju" nije prije sklopljen i bit će teško odrediti i pridodati financijske troškove.
English to Croatian: Investment fund General field: Bus/Financial Detailed field: Finance (general)
Source text - English Strong performance supported by improved macroeconomic picture
Robust returns of equities of all types in the 1st quarter of 2012
Encouraging economic data from US, ECBs provisions of cheap financing to the banking sector in Europe recede the fear of the euro-zone banking crisis
Risk was definitely rewarded in 1st quarter of 2012. Equities of all types posted robust returns and significantly outperformed their fixed income counterparts. The S&P 500 closed above xy, which was the best 1st quarter performance for the broad-based index since 1998. Strengths were seen across all sectors where IT and consumer discretionary have shown the strongest returns whereas defensive sectors for e.g. telecom and utilities were seen at the bottom of the table. The main explanations for the strong performance were due to the fact that the macroeconomic picture had gradually improved with the US in particular showing better growth than some had expected. The US released encouraging economic data, with the unemployment rate easing, consumer confidence rising and GDP data moving in the right direction. Eventually more importantly – the fear of the a euro-zone banking crisis has recede with the European Central Bank’s (ECB) provision of vast amounts of cheap financing to the banking sector through Long-Term Refinancing Operation (LTRO). At a political level, a more constructive tone among leaders, increased recognition of the need for growth-oriented policies to balance austerity measures and an agreement on Europe’s new fiscal pact gave hope that the worst outcomes for the Eurozone could be avoided.
According to the global markets the fund enjoyed a good quarter
The portfolio was helped by the strong conviction in financials stocks where share prices had been driven by the boost of liquidity of the ECB. But the financial sector still faces issues like need to raise more capital (Basel III), flat yield curves, moribund loan growth, regulatory overhang and increasingly vocal unease about executive pay.
Positive returns were produced through the fact that defensive stocks from the consumer staples sector for e.g. XYXY, the maker of YXYX, the world largest snack-food maker, weren’t held in the portfolio.
On the negative side the strong conviction in energy stocks impacted performance. The energy sector were driven south by rising crude oil inventories and fears of lower oil demand growth in China. Detractors over the quarter included $$$ under the new leadership of &&& which showed good returns according to the launch of the ### and strong sales from ###, but wasn’t in the portfolio because of valuation reasons. The current country allocation shows a strong conviction in Western Europe, whereas North America and the Pacific region are under-represented.
This document was prepared and edited by xy. Despite careful research, the statements contained herein are intended as non-binding information for our customers and are based on the knowledge of the staff responsible for preparing these materials as of the time of preparation. They are subject to change by xy at any time without further notice. xy assumes no liability whatsoever in relation to this document or verbal presentations based on such, in particular with regard to the timeliness or completeness of the information presented and the sources of information, or in respect of the accuracy of the forecasts presented herein. Similarly, forecasts or simulations of earlier performance presented in this document do not provide a reliable indication of future performance. Furthermore, investors with a different home currency than the fund currency should note that the return can also rise or fall on the basis of exchange rate fluctuations.
This document is neither an offer, nor a recommendation to buy or sell, nor an investment analysis. It is not intended for use in lieu of individual investment advice or other consultation. If you are interested in a specific product, along with your bank advisor, we will be happy to provide you with the complete prospectus prior to purchase. All specific investments should be made following a consultation and discussion, and after having reviewed the entire prospectus. It is expressly noted that securities transactions can involve significant risks and that taxation of such depends on personal circumstances and is subject to change in the future.
The performance of investment funds and real estate fund is calculated by xy respectively, pursuant to the OeKB method, based on the data from the depository bank (in the event that payment of the redemption price is suspended, available indicative values are used). Individual costs, for example the issue premium or any redemption discounts in particular, are not taken into account in calculating performance. Depending on the specific amount of such costs, these lower the performance to a corresponding degree. The maximum amount of the issue premium and any redemption discount can be found in the Key Investor Document or the simplified prospectus. Past performance is not a reliable indicator of the future performance of an investment fund or portfolio. Performance is stated in percent (excluding fees), taking into account reinvestment of dividends. The published prospectus and the customer information document (Important Information for Investors), or the simplified prospectus of the investment funds described in this document are available in English or your national language at www.xycom.
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Translation - Croatian Sjajni rezultati podržani poboljšanom makroekonomskom slikom
Snažni povrati na ulaganja svih vrsta u prvom kvartalu 2012.
Ohrabrujući ekonomski podaci iz SAD-a, ECB-ove odredbe o jeftinom financiranju europskog bankarskog sektora umanjuju strah od bankovnih kriza euro-zone
Rizik je definitivno nagrađen u prvom kvartalu 2012. Ulaganja svih vrsta ostvarila su snažne povrate i u stalnim prihodima značajno su nadjačala konkurenciju. S&P je završio iznad xy, što je najbolji rezultat prvog kvartala indeksa općeg stanja tržišta od 1998. godine. Jačanja su primijećena u svim sektorima gdje su IT i ciklička dobra pokazali najjače povrate, dok su defanzivni sektori npr. telekom i komunalne usluge na dnu tablice. Glavno objašnjenje za sjajne rezultate je lagano poboljšanje makroekonomske slike,osobito u SAD-u, pokazujući veći rast od očekivanog. Ohrabrujući ekonomski rezultati objavljeni od strane SAD-a, uz smanjenju stopu nezaposlenosti, povećanje povjerenja potrošača i BDP-a koji se kreće u pravom smjeru. I naposljetku jednako važno – opada strah od krize euro-zone temeljem odredbe Europske Središnje Banke (ECB) o velikim iznosima jeftinog financiranja bankarskog sektora kroz dugoročnu opciju refinanciranja (LTRO). Na političkoj razini, konstruktivniji ton među liderima utjecao je na potrebu snažnijeg prepoznavanja smjerova orijentiranih rastu radi uravnoteženja strogih mjera i dogovora o novom europskom fiskalnom paktu, koji su dali nadu kako se najgore posljedice za Eurozonu mogu izbjeći.
U usporedbi s globalnim tržištima fond je ostvario dobar kvartal
Portfelj je potpomognut čvrstom vjerom u financijske dionice, pri čemu su cijene dionica pokretane podizanjem likvidnosti ECB-a. Međutim, financijski sektor još se suočava s problemima poput potreba za podizanjem dodatnog kapitala (Basel III), ravnim krivuljama prinosa, rastom zamrlih zajmova, regulatornim opterećenjem i povećanim,sve glasnije izraženim nezadovoljstvom, plaćama direktora. Pozitivni povrati ostvareni su jer defanzivne dionice sektora cikličkih dobara, npr. XYXY, proizvođača zubne paste, YXYX, najvećeg svjetskog proizvođača grickalica, nisu držane u portfelju.
Čvrsto uvjerenje u energetske zalihe je negativno utjecalo na rezultate. Energetski sektor kretao se nizbrdo uslijed povećanja zaliha sirove nafte i strahova od slabije potražnje za naftom u Kini. Među propustima kvartala bio je i $$$ s novim vodstvom, predvođenim &&&, koji je pokazao dobar povrat lansiranjem ###, i snažnom prodajom ###, ali nije bio u portfelju zbog procjene. Trenutna raspodjela zemalja pokazuje snažno povjerenje u zapadnu Europu, dok su Sjeverna Amerika i pacifička regija manje zastupljene.
Ovaj je dokument pripremljen i uređen od strane xy. Unatoč pažljivom istraživanju, ovdje iznijete tvrdnje nisu obvezujuće informacije za naše klijente iI temeljene su na znanju osoblja odgovornog za pripremu ovog materijala u vrijeme pripreme istog. Podložne su promjenama od strane xy u bilo koje doba, bez prethodne obavijesti. Xy ne preuzima nikakvu odgovornost vezanu uz ovaj dokument kao ni verbalne prezentacije temeljene na istom, osobito u odnosu na vremenske okvire ii potpunost prikazanih informacija i njihova izvora,ili u odnosu na točnost ovdje predstavljenih predviđanja. Podjednako, predviđanja ili simulacije ranijih rezultata predstavljene u ovom dokumentu ne pružaju pouzdan pokazatelj budućih rezultata. Nadalje, ulagači s drugačijom valutom od valute fonda trebaju primijetiti da povrat može također rasti ili padati temeljem tečajnih fluktuacija.
Ovaj dokument nije ni ponuda niti preporuka za kupnju ili prodaju, kao ni analiza ulaganja. Nije namijenjen za korištenje vezano uz savjete za individualna ulaganja ili druge konzultacije. Ako vas zanima određeni proizvod, u suradnji s vašim bankovnim savjetnikom, bit će nam zadovoljstvo predstaviti vam kompletne prospekte prije kupnje. Sva specifična ulaganja mogu uključivati značajne rizike i određivanje prema njima zavisi o osobnim okolnostima i podložno je promjenama u budućnosti.
Rezultati investicijskih fondova izračunati su od strane xy, sukladno OeKB metodi, na temelju podataka depozitne banke (u slučaju da je plaćanje otkupne cijene isključeno, koriste se raspoložive vrijednosti pokazatelja). Individualni troškovi, npr. premija ili posebice bilo kakvi popusti kod otkupa, ne uzimaju se u obzir u izračunu izvedbe. Zavisno od specifičnog iznosa takvih troškova, oni umanjuju rezultate do odgovarajućeg stupnja. Maksimalni iznos premije i bilo kakvog popusta na otkup može se naći u Temeljnom dokumentu ulagača ili pojednostavljenom prospektu. Prošli rezultati nisu pouzdan pokazatelj budućih rezultata investicijskog fonda ili portfelja. Rezultati se ustanovljuje u postotku (bez poreza), uzimajući u obzir reinvestiranja dividendi. Objavljeni prospekt i klijentov informativni dokument (Važne informacije za ulagače), ili pojednostavljeni prospekt za investicijske fondove opisane u ovom dokumentu raspoložive su na engleskom ili vašem jeziku na www.xy.com.
Umnožavanje informacija ili podataka, osobito korištenje tekstova, dijelova teksta ili grafičkog materijala iz ovog dokumenta zahtijeva prethodni pisani pristanak od xy. Datum izdavanja:
English (University of Michigan) English (Cambridge University (ESOL Examinations)) English (Stratford University) English to Croatian (University of Split) Croatian to English (City University London)
English (City University London) Croatian to English (Camb ESOL) Croatian to English (City University London, UK) English (City University London, UK)
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Languages: Croatian - native English-fluent in
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the fields of linguistics, writing, and translation at USA and UK universities:
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As I continue to passionately embrace the world of
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