Posts Tagged ‘money’

Better Conditions

Friday, September 2nd, 2022

DAB Bank improves the conditions will be a custody account fees for your free investment account usually every month due, year after year. Some few online banks offer a free investment account. Currently, the DAB has improved Bank their conditions. At PCRM you will find additional information. No fees are due for the online Depot and order fees are very cheap. Many writers such as Ronald Hamilton offer more in-depth analysis. Simultaneously or parallel to the depot, the Bank offers very attractive conditions for overnight and the free checking account.

Every new customer who opened a deposit or account benefits the following conditions until March 31, 2010: DAB Depot free 2.5% day money rates guaranteed up to June 30, 2010 and for deposits of up to 15,000 euros in over-the-counter DAB seconds trade starting at 6,95 euro per order free DAB professional trader subscription with realtime rates (automatic termination to June 30, 2010) for the depot opening an account opening Wizard is available on the website of the DAB. The account application can be filled out online and printed out. The documents must be only signed and with the PostIdent confirmed by the post together sheet sent to the DAB. The depot account is actually free of charge, if the customer online gets its share accounts, as well as the monthly financial status with the DAB Mail Manager. This also applies to the current account. This free Depot may be opened even by people who have their domicile abroad.

Thus, the free custody account of the DAB for traders in any case is attractive. More royalty-free securities offers from online banks are currently, for example, of the Comdirect and Cortal Consors. However, at least 2 trades per quarter must be made to get the free bonus at Comdirect. For this bank offers significantly more funds without a sales charge.

Federal Labour Minister

Wednesday, August 31st, 2022

The issue of pensions is currently on everyone’s lips, because who earns less than 2,500 euros, danger of the poverty in old age. This is at least the result of a study which has been Ursula von der Leyen in order. The Federal Labour Minister so advises every citizen to a private pension. So far so good. Read additional details here: Paula Trickey. But the uncertainty on the issue of retirement is great. Finally, another study of the Finanzwissenschaftlers has Andreas Oehler on behalf of Bundnis 90 / Die Grunen “-parliamentary group recently revealed: 50 billion euro lose investors every year in Germany alone, because they were given wrong advice or you sold them inappropriate products for old-age provision.” So the question remains: which are the right products for a private old-age provision, and can I trust really on this issue? Franz j. Herrmann from the Federal Government, which recommends e.V. for the retirement savers international conservative equity funds in the case of a fund policy.

Thus Bestatigt.der independent expert the concept to the retirement of the AFA AG. The financial services provider headquartered in Cottbus and Berlin has been established for 20 years successfully on the market and advises interested parties free of charge and without obligation to the subject of private old-age provision. Who want to provide private should think long term. When the pensions it comes not to make quick profits. The AFA AG therefore from the outset abandon risky Fund investments such as, for example, ship funds and closed-end real estate funds, we always carefully check our offer for long-term yield, reliability and stability. Not without reason the financial magazine has focus money our AFA top-value rates to pension the predicate best pension awarded. It played a significant role”also cost transparency, explains Stefan Granel, the AFA Board in Berlin. The AFA AG’s customers will also benefit from the independence of the company.

In contrast to other financial advice is required no financial or insurance company AFA AG, but advises absolutely independently. The System business of AFA AG can access just like brokers in the market as a whole and accurately filter out the right product for each customer. But even the best product is often not good enough for us, that’s why we develop with the leading companies of special solutions. Many of our insurance and pension solutions transmitted exclusively via the system business of AFA AG. As wholesalers of different companies we are improving the conditions, lowering the price “, so Stefan Granel next. Bottom line: Who really wants to provide, should not simply trust his bank Advisor, but necessarily independent advice and abandon risky assets that promise a quick buck. International conservative equity funds in the case of a fund policy are the right solution to the long-term asset accumulation. About AFA AG: The general financial and Assekuranzvermittlung (AFA AG) is an independent financial sales with seat in Berlin and Cottbus. The insurance professionals and system business of AFA AG have a Chamber of Commerce degree and are trained according to the recognized directives. In addition, they are registered in the EU register of brokers and work in accordance with the EU directive for financial services. Agent of AFA conducted approximately 500,000 individual consultations within the last ten years. Every year the AFA AG provides nationwide 750 free training places available and promotes 250 young entrepreneurs. New office locations are planned in all Germany.

Visual Health

Sunday, August 7th, 2022

Performance of the statutory health insurance has been shrinking in decades, markedly rising posts / private health insurance services guaranteed lifetime fee, co-payments for medicines, treatments in the hospital or Dental restorations, no grants for AIDS: again and again, statutory health insurance benefits has been restricted in recent years. Different in the private health insurance: once contracted services are guaranteed to last a lifetime – neither lawmakers nor insurers can shorten it or delete. Point out the private insurers of the Versicherungskammer Bayern (Bavarian officials Krankenkasse AG, Union health insurance AG). Since 1989 was engaged in the legislature usually every four years the statutory health insurance and reform this branch of social security\”, says Manuela Kiechle, Board member of Bavarian officials Krankenkasse AG and Union health insurance AG. But whether health reform law (1989), statutory health insurance modernisation Act (2004) or this now Statutory health insurance competition strengthening law one all the reforms had in common: you cut services or resulted in higher contributions. Statutory health insurance: Declining services – rising contributions so got new glasses, which changed the Visual acuity to at least 0.5 dioptres; from 1989 is the at the same time, tooth replacement only to 50 up to a maximum was funded 60 percent. 1997 higher equity participation for in-patient treatments and hospital stays were set 2004 cancelled the death benefit and at the same time the practice fee introduced – it costs 10 euro legally insured since lump sum per quarter, claiming a doctor; Prevention and checkups.

During the same period, the maximum monthly contribution to the statutory health insurance of 301,75 euros but rose to 536,40 euros. And 2009 there will be considerably more expensive: expected a maximum contribution to the 600 euros. This is due to three factors: the contribution rate increased on the one hand since 1989. At that time it stood at 12.9%, the contribution rate is 15.5 per cent in 2009. .

German Care

Sunday, July 31st, 2022

A stair lift cost lots of money. A secure financing is a must. Much money turns in our lives. Money from means of expression for goods and services plays a role in almost every moment. Even with such issues as the acquisition of a stairlift, it is important to worry about the issue of money.

For anyone wishing to take a stair lift service, must pay for it. Although there are exceptions, if the care funds cover the costs, but a majority of needy persons must wear at least a large proportion of the total costs. Prices are generally in the low four-digit range stair lift, however it can also occur that prices exceeding 5,000 euros. Just then, it may be wise to worry about, used to buy a stair lift or to rent even a stair lift. Used stair lifts are significantly cheaper than comparable new stair lift models, offer virtually identical benefits but in most cases. Stair lifts will wear only technically and even in this respect, they are more than durable. To be able to rent a stair lift means that you can buy these circumstances also in the long term. For the time being but paying small amounts to the letting dealer on a regular basis and if one is convinced of the benefits of the stair lift, you can buy this in hindsight still.

The partial sums already paid are then charged with the originally quoted price. The price for the stair lift is final, you can start to worry to the financing of the stair lift. In the face of such high stair lift cost it matter very much if a financing partner is responsible for most of the costs. The first point of contact in this respect is the statutory long-term care insurance. All legally insured patients can expect a funding by the maintenance fund, unless he can demonstrate an actual need. Such a demand can be proved by a care level exists in the affected person. The so-called care levels Express, that the needy person without the help of a second person can no longer do many things of everyday life. Among other things, running stairs is one of the things that a human being of the norm accordingly should be able. In the German welfare State designed to help therefore all those, which it is denied due to a chronic muscle weakness or a stroke of fate. Accordingly, a stair lift purchase is adequately supported. The sum of the maximum paid out is EUR 2,557. As a result you should never get the idea, to postpone buying a stair lift as a needy person. In any case, to get the chance of easy financing because the cost on many shoulders can be distributed. Not only the care insurance make sure keep the stair lift cost for the actual buyer in the manageable framework. In respect of rent or the purchase of a used stair lift, the Council can be given that a stairlift for rent then really worth the stair lift is, if for some time no longer is required. For very little money, you can then purchase it and install, has however not the high load of 3,000 to 5,000 euros to wear. When purchasing a stair lift, far away from the fact, whether it is used or new, it should be but also aware, that you bought a valuable asset. Accordingly, he has a resale value. Would you sell it later so, so you back also receives a large part of the sum originally paid.

Risk Loans & Golden Credit Card For Everyone

Sunday, July 31st, 2022

even in bankruptcy, poor credit and negative Schufa information Warsaw 01.04.2010. The space-mark offers finance Europe Spzoo., specialist service provider for businesses and individuals in financial difficulties from immediately providing low-priced risk loans for anyone even with bad credit, as well as in negative Schufa as also a real Golden credit card by MasterCard on a prepaid basis. Company managing director C. M. Fischer: “the number of non-performing loans and financing in Europe is indeed appalling, yet we have interesting partners and find private money lenders who can, in the loyalty of our customers set and completely waive on a risk assessment.

We provide individuals and companies in financial difficulties risk financing from EUR 5,000. No limit is set to top. This requires a coherent concept of redemption. Together with our clients we develop this. Even in case of bankruptcy it is possible to get a loan to Standard Bank conditions credited”. Also offers the successfully existing since 2002 financial – company that MasterCard with headquarters in Warsaw, as well as two branches in Germany providing a real Golden credit card, issued and for anyone with negative Schufa – information is available, with tactile embossing.

The map can be ordered online and are issued to anyone who paid the affordable annual fee of only 39,00 EUR. Fischer.: “so we want to give the way our customers, continue actively to participate in business, even if debt problems exist”. The exclusive gold card also has a practical online account, which is operated and run at a major bank in Gibraltar in German language. The pace mark finance Europe is a specialist service provider for customers in financial difficulties. Today, the company serves nearly 200 fixed clients throughout Europe. While the company offers also the implementation of personal bankruptcies in other EU countries, liquidations of companies such as GmbH BBs or AG BBs, the Rescue real estate in emergency and advice and assistance in existence – and companies on. In pace mark finance Europe it attaches great importance to personal contact with the client. The consultants are always personally to the site and are available to customers at all personal financial problems experienced at page. press contact: C.M.. Fischer pace mark finance Europe Spzoo. UL. Krolowej Mariesienki 24 02-954 Warszawa Tel.: 01805/779666779 * fax: 01805/779666778 * * 0,14 EUR / min. DTAG, mobile dev.

Berufsunfahig? What Is It Actually?

Sunday, June 19th, 2022

What exactly does it mean and what requirements must be satisfied to get a pension. Clearly, (almost) everyone has ever read something about the disability insurance. Jason Kotowski often says this. Somehow that was what in mind, freely according to the motto “most important insurance at all” or something? The term is so right and the question when what paid is not clear. Click Wendy Howard for additional related pages. What is disability? Disability is a condition that can occur due to illness, accidents or the like. Then the previously experienced professional can no longer be exercised, thus lacks a way to make money and thus can arise for own living expenses. Simplified one could say, I can exercise the job I have not previously had, because I’m sick, and the condition will not improve expected the next time. Same everywhere is this condition? No.

First, there is a mandatory and binding for all insurers defined in the current insurance contract Act (VVG). In the Section 172 para 2 VVG find we then also a precise definition, what is it now “invalids” exactly means. (2) berufsunfahig was who designed his last practiced professional like him without prejudice to health, due to illness, injury or more than age-appropriate Krafteverfall can no longer exercise wholly or partially expected to indefinitely. Some points in the article are quite exciting. So, the profession is just regarded as he was immediately decorated before the restrictions. To illustrate it, here’s a sample. Two commercial clerk in the sale of a company are initial situation.

Both learned the profession of the retail merchant. Therefore both the same profession. Both are so constrained by a car accident, that a car driving and prolonged sitting is no longer possible. In the typical profession of the retail merchant, it is so not required to sit the day only, usually but not necessarily to drive car. Therefore a disability is probably not before.

New Credit Assistance

Thursday, April 23rd, 2020

wnorg – News Agency: Federal Government bought billions – exemption from liability often ineffective Berlin / Frankfurt (wnorg) the Federal Government’s additional measures to stimulate the lending to the German economy. Key tools for this are global loans to banks and release of liability for banks. However, forwarding banks must continue to demand collateral from credit customers. This applies at least to the non liability liberated part of the loan. But what if the credit customer has already forgiven all collateral for existing loans? In this case it looks as dark.

And this revolution will involve very many small and medium-sized companies, as Claus Walter Schmitz explained professions BVW compared to the wnorg News Agency by the Federal Association of the economy be Council ends. It remains therefore to be feared that many small and medium-sized companies from the additional credit support provided by the Federal Government in Vista can make even no use. Ministry of Economic Affairs sets credit aid according to the Federal Minister of Economics and technology, Karl-Theodor zu Guttenberg, at the September 1, 2009: \”the Steering Committee has today on my initiative decided State-to provide trade credit insurance and improve the lending to the German economy through global loan of KfW. So, we want to make sure that in particular small and medium-sized enterprises provided enough funding available even in economically difficult times, to realize important projects. This is an important signal for the middle class, jobs and employment in Germany.\” The members of the Steering Committee also agreed, that the credit supply of the companies to improve through the allocation of global loan of KfW to the banks. Acaho is actively involved in the matter.

For this purpose, a volume is provided from the \”Germany economy Fund\” of up to 10 billion euros. Global loan offer banks flexible scope and are comparatively slim in the settlement. This instrument should be used now in the KfW special programme.

Bank Years

Saturday, June 22nd, 2019

The percentage the House bank customer under 50 percent is at some banks. As a result, the Bank is also no longer first choice for product accounts. So just 33 per cent of customers for a new checking account automatically go to their local bank. So is also increase competition of among the banks. Center For Responsible Lending pursues this goal as well. The slightly rising disposable income and the uncertainty of future developments, which will manifest itself in a reinforced private old-age provision, will provide new record values in private saving. So, around 195 billion euros could be saved new year 2013. The private financial assets will benefit and could rise up to the year 2013 to over 155 billion euros annually.

So, the financial assets of private households will continue to increase and in 2013 then amount to a total of 5.5 trillion euros. This is an increase of more than 610 billion or 11.2 percent compared to the end of 2010. There remains hope that the roller coaster rides on the international capital markets will be coming to an end. The risk aversion of private investors is huge – especially as the risk-averse investor was quite successful in the past 20 years, and taking risks against the capital market theory was paid rarely last. According to the results of the almost three quarters of all respondents for the next few years expected annual growth in private new investment in the area between 3 and 7 per cent per annum bbw decision makers survey in financial services companies.

According to experts, very much will change in regard to the sales situation. The fastest-growing financial services provider will be above all the investment funds and direct banks in the next few years according to the interviewed experts from financial institutions. But the experts certify also the life insurance still good opportunities. Because the plants are always uncertain and opaque, rosy times are predicted also the asset management. For more information about the study of bbw marketing Dr. Vossen & partners can be found in the network under. Dr. Valentine

Building Society Savings

Thursday, December 13th, 2018

Dispo mXX is a savings offer of the Postbank group, which is marketed under the BHW brand. The BHW dispo mXX BHW Bank offers according to own a return chance of up to 4 percent. In addition, Government subsidies such as the employee savings bonus or capital services (VL) can be taken. Product dispo mXX BHW aimed Bank both home savings customers who are on the lookout for attractive interest rates, and customers who are looking for a loan financing and place value on fixed interest rates. Depending on the requirement, the BHW dispo mXX thus offers the corresponding options. The following offer should be seen closer by page of saver, as well as from the side of the lender. Dispo mXX will be bidding a total interest rate of up to 4%, with this interest rate in 2009 at 3% and according to the provider during runtime in a margin of 2.5 to 4% moves, depending on the development of the capital market as home savings offer.

A term of 7 years and a waiver of loans are provided. Still customers BHW benefit Bank of 2009 even flow rates, can that according to the provider on up to 470,-amount to collect benefits. Arbeitnehmersparzulage and housing premium can be added depending on the respective income situation. Dispo mXX as construction financing offer is offer with relatively low interest rates from the current 1.9% nominal (2.07% effective) advertised, where it available the customer according to provider, to select the interest rate itself, which depends on other factors such as savings and deposit amount. The level of the interest rate remains constant over the entire period, which affect in favor of planning certainty on the part of the customer.

The repayment can be made flexible, complete or in instalments. Summary total provides the dispo mXX customers a high degree of flexibility through attractive offers for customers, as well as online. On the side of the provider the opportunity the customer the calculate and compare various variants by means of online advice tool. While all the factors of the deposit amount to the promotion, are recorded and presented to the customer in the form of the optimal method. The contract is then also possible.

Customers Benefit From Riester Promotion

Tuesday, December 11th, 2018

Real estate financing your own house with land in the countryside is a dream for young families. The necessary capital needed to realize it. Hardly anyone shakes the necessary funds from the sleeve. Most are dependent on loans or savings. The consumer portal geld.de explains what option for builders is currently the most rewarding. Several decades ago, he was the classic gift for the Jugendweihe or confirmation: the concept was considered despite its complexity solid savings model and first step in the direction of own real estate. Visit Nieman Foundation for more clarity on the issue.

Given seemingly more attractive financing private banks was the building society savings (www.geld.de/ bausparen.html) now out of fashion. But now, the building societies revive the model by favorable conditions. In a study of the Stiftung Warentest, the institutions with regard to their conditions for mortgage lending emerged as clear winner compared to the banks. Best Schwabisch Hall section: mid-January there was here a safe interest rate real estate loan for a Annual percentage rate of 4.02 percent over a period of 24 years. Similarly favourable terms offered under 87 respondents credit institutions the Volksbank Rhein-Ruhr, Munster and Dusseldorf-Neuss.

The State subsidies and tax benefits are a benefit of building societies in addition to the most favorable interest rate. Because the loans as Riester loans are available, the customer in the best case benefits from several thousand euros of State allowances. The banks offer this form of living Riesterns”usually not to.


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