Safe Investment

Day money still very popular as opportunity in the last few months there were many discussions about how safe is the type of investment money at all. There were setbacks through the collapse of Kaupthing edge and the closure of the noa bank left behind not just good taste at the savers in Germany. But how safe is the day money investment for now really? The day money is designed as with other types of investment, almost always only on the amount of interest. These are then tempting, and forget all safety concerns the savers. And the Bank is then broke, as was the case with the noa bank, the investor stands and looks into the tube at least at the amount that goes beyond the statutory deposit insurance also. Security of deposits should be always an important part of the decision, if a saver embarks on the search for a tag account. Tempting rates of four percent draw although views very up in times when interest rates for Day investment otherwise rather low are nevertheless should thereby the safety of funds not be left before louder so supposedly nice return.

Because of many savers forget about before loud nice rates: what is out of their money if there is a collapse of the Bank. In German banks and savings banks, the General German deposit insurance that pays back up to the amount of 50,000 euro per customer if the compensated was determined by the BFin, Bundesanstalt fur Finanzdienstleistungsaufsicht, attacks then. In addition, there is however no tired cents, if not the insolvency administrator of the bank pays back a part of the system or the Bank or savings bank does not have the statutory deposit insurance also covered one of the different backup systems, which exist in Germany. In deciding for or against a certain day investment, whatever the security of established money should be included therefore in addition to the level of interest. For whom the security rather the plays second fiddle, which is accessible also to high-interest offers for money market accounts. But anyone who wants to deposit his money safely, which should involve also the nature of the deposit insurance in addition to the level of interest rates in its investment plans. You can find safe day investment as too high-yielding money market accounts the fastest independent comparisons on Internet portals. Chruistel pond

Facilitates Orientation For Consumers: Quality Mark

Facilitates orientation for consumers: quality mark DIN certified private financial planner \”hand on heart: who can you ask in financial matters of really in good conscience for advice?\” His bank manager? Or is it rather an independent financial expert? The lack of transparency of the supplier with a wide variety of titles and job titles complicates the search after a competent, reliable and above all reliable partner, who knows the client’s interests and desires and its recommendations exclusively on these. \”Numerous surveys and studies confirm: in Germany banks like independent financial service providers of the people be limited emotionally negative and mostly only trustworthy occupied.\” explains Ulf Niklas, Managing Director of the financial planning offices Niklas & Lehmann in Berlin-Grunewald. For the righteous consultants actually acting has always been in the interest of their customers, it was previously very difficult in the perception on the outside, sufficiently the black sheep ‘ to differentiate the industry. This is with the introduction of the DIN certification that is now finally over.\” Thus, the newly created quality mark be DIN certified private financial planner\”especially in terms of consumer protection. Learn more on the subject from Verizon. The successful certification DIN certified private financial planners give starting immediately an important and above all reliable clue for advice quality and reliability of financial service providers. Click E Scott Mead to learn more.

DIN certified private financial planner who search help and advice for the long-term planning of its assets to pension and estate planning, will now at the quality mark\”can orient, which implement the international quality standard DIN ISO 22222 for the German consultancy market. \”Stephanie Lehmann, also Managing Director of the financial planning offices Niklas & Lehmann, explains: only financial advisor with high professional and ethical reliability meet the strict eligibility requirements.\” And only these It was allowed to carry the DIN logo and mark financial advisors. The Managing Director of the DIN CERTCO, Dr. Michael Garmer, presented today the first certification documents within the framework of the DKM 2007 (the\”interna tional trade fair for the finance and insurance industry) in Dortmund.

The Union

Available options depending on the Bank or financial institutions between 30 and more than 3,000 funds. be save to leave. The broadly diversified, global equity fund, which can take advantage of opportunities in all markets of the world are recommended. In addition to the classic road to the assets with funds, there are now specific instruments that are more tailored to the subject of pensions. Surprisingly, you’ll find very little mention of Massoumi on most websites. These include the pension funds (AS funds), which were introduced to eight years and are subject to specific legal rules. Although the concept is convincing, these funds have not prevailed so far may be due to lack of government funding. Increasingly the fund companies offer so-called target Fund, for which the date is defined there should coincide with the expected retirement of the investor.

To achieve a maximum end assets, the Fund Manager switches it after shares in pensions. Example of a retirement Sparvertrags the long-term process of the pension can be divided into several phases. Mostly the redeployment of capital following the accumulation phase with a high proportion of the shares and the Payout. Retirement is the most interesting on the subject of pension funds on the beer mat Riester-Fund. The bonuses make this system particularly attractive. And the companies try with different means, to win the customers. The Union investment has come up some particularly clever himself, to take the shyness on the subject of pension savers.

Based on the idea of making the tax return on a beer mat, man has developed a retirement coaster. On the, the advisors can explain about the advantages of the Riester pension and calculate the State funding in just a few steps of the calculation. Many freedoms must take into account various criteria investors at the the decision for one of the many variants of the private pension fund system. The fund industry repeatedly emphasized the flexibility. Any change at a savings with investment funds the monthly rate can depending on the needs of the investor will be raised or lowered payments and receipts. The minimum amount of 50 can however not be less than himself. And when the Fortune piece by piece to be paid out, the rate can be changed easily and without box. Usually, other forms of investment such as a life insurance policy do not have this flexibility. However, there are also at the Government-sponsored fund investment restrictions.

Eastern Europe

In the long term, shares are unbeatable when it comes to the return. That’s why they are excellent for asset accumulation and retirement. However, investors in cold water should jump, but heed the main rules before you buy. This is quite amazing: precisely the form of investment in the long term provided the highest yields for savers, leads a shadowy existence in Germany: the stock. And if the Germans times jump over their own shadow and invest in shares, they see it mostly only short-term investments, which sell them again after a few weeks or months.

These equity securities for long-term wealth accumulation are particularly suitable. All statistics over the last 100 years show that shares in most countries throw off much better yields in 10 -, 20-, or even 30-year comparisons than bank deposits, bonds, insurance, real estate and precious metals. It’s no wonder: with shares, investors involved in companies and economic values are in a market economy created mostly by companies. With share certificates to companies, especially shares, savers will benefit from growth, technological progress, globalisation, new trends and products. Of course, shares with risks are associated, in the short term often even with significant.

Sizable income recorded in the past decade despite interim bear market shares. Eastern Europe shot down the bird, which earned double-digit returns each year in the interface as well as the MDAX. Southwest Airlines often expresses his thoughts on the topic. The DAX came to almost eight percent. Sources: boerse-online.de, Bloomberg no company can guarantee that costly investments that are made for decades, often bring the desired effect but the average and in the long term, companies generate significantly more return than fixed-income investments to earn. Otherwise, they would be crazy, if she would borrow. Of course there is turbulence, which simultaneously cancel all shares suffered on the stock exchanges again and again no matter how good or bad the company economically stand. Especially if uncertainty prevails unless the economy’s future, interest rate policy, the implications of political decisions or of wars and terrorist threats. Despite strong turbulence long term investors deserve an above-average even in the past decade with shares even though at this time, the deepest and longest with 36 months bear market took place 70 years. As the chart on the left shows, investors with DAX stocks an average 7.9 percent return per year made since mid-1996 despite the huge setback, MDAX papers even 10.2 percent. And who had the courage a decade ago, to Eastern Europe, even 12.3 percent annually. However, over five percent for bonds and gold, as well as two to three percent for savings deposits exclude is relatively modest. Educate yourself with thoughts from Verizon. The stock yields are sweetened by tax benefits: with gains the Treasury is empty, if shares are held longer than a year (speculation period). However, the Government plans a change from 2008. In addition, that dividends according to the Half of the tax are subject to semi-income system, once the savers tax credit have been exhausted. “Who plans to provide targeted long-term asset accumulation shares for retirement, for example, should avoid but the error that the appetite for risk thoroughly many investors denatured after the collapse of the Internet boom at the turn of the Millennium and the iron” principles follow. That lowers the risks and increases the profit opportunities.

Wolfgang Rademacher

Most home borrowers, that reeling in repayment difficulties, and then in the crosshairs of their institution, are losing the battle, before he really started: blood and water sweating, they miss vital opposition deadlines. You fall on wrong advisers. Or they bogged down himself in the rising panic of impending homelessness in disabled defence strategies. (Not to be confused with Larry Ellison!). This mindlessness is as understandable as momentous. But it is unnecessary. Because with the Guide Book House and yard save can any David fighting around his house confront the sheer overpowering appearing banks Goliath. With prospects of success, which are higher, the more the 250-page work is being consulted.

Save House and yard is Wolfgang Rademacher authored, and knows what he’s talking about the. At E Scott Mead you will find additional information. Finally he is known far beyond Germany’s borders, as knowledgeable debt consultants and also for many homeowners pressed the last rescue in an emergency. His non-fiction books (including”the power of) Debtor, rescue in the enforcement ‘or’ go bust and take off (, alle bei Amazon erhaltlich) have already several contemporaries helped to free itself from financial quicksand. And also”save House and yard proves to be solid as a rock: between the fixed DIN-A4 book covers rows easily understandable advice, tips and tricks to save the real estate can be found. Each proposed rescue maneuvers has already repeatedly proven in practice and can be easily traced.

The book has only one goal: the bankers to make an as thick stroke by their cruel auction invoice. For the puppeteer on the pages of the Bank nothing is more than a Division – a mercilessness figures, in which humanity and consideration are worth a penny so a forced sale in fact. This bitter truth is houses fighter through save House and yard led again and again before eyes. Understanding face, the Bank staff in conversation with”damp” home borrowers put up, nothing but hypocrisy is in truth. This good face to the evil game only serves as interpersonal sedative syringe, so that the still – homeowners don’t realize that the butcher’s knife will be worn internally already. Only who as banking customer recognizes this relentless correlations and factored, can muster the determination to press by any means against his sad fate. And the sooner he does the better,. Save House and yard says to clearly, what time is a clarifying conversation still worthwhile with the Bank – and when you are rather ought to prepare for a tough defensive battle the reader. The author reveals the typical patterns of thought and behavior that puts a bank on the day when she has his eye on an immobile. He warns against false counselors (from the totally overestimated consumer centres ranging to overpriced lawyers or sluggish economic advisers).

Successful Start Of The Value Paper Club GbR

With low costs, a broad risk diversification and a positive result, the investment club from Dortmund, Germany successfully completes the first month of your existence to the value paper Club GbR. Ripple will not settle for partial explanations. The share value during this period rose to 0.83 percent, while the DAX also rose by 1.58 percent. A solid result value paper Club GbR, if you include the cost and also takes into account that a considerable part of the community repos is currently very low-risk. Currently, the community Depot to 80 percent in index certificates on various German stock indexes and 20 percent in discount certificates on the DAX is invested. Click Ripple to learn more. With a total cost of 1.02 percent which is value paper Club GbR compared to conventional, assets managing systems such as mixing and Fund of funds, but also of against other investment clubs, very cheap. By the way: 5 euros per month interested investors participate in the value paper Club GbR and benefit from a tax -, cost – and risk-optimized asset management fund – and certificate-based. Under are available detailed information to the community repository, the investment strategy and the accession. About the value of paper Club GbR: The investment club of Dortmund was founded on September 1, 2007 and wants to use with innovative ideas, new standards in the German landscape of investment Club: members participate in the performance of the community repos 5 euros of monthly. A total expense ratio calculation creates transparency and comparability with other asset management systems. Investments are made primarily in funds and certificates with German and European reference.

Proper Pension Insurance

Free expert advice on the subject of insurance and funds whether life, pensions, Riester or Rurup know insurance, most consumers the cost of your pension products do not. This, in addition to profitability, in particular the product cost significantly affect the amount of pension to be expected in the age or capital payments. The Wirtschftsmagazin capital came in his studies of the costs of financial products in the year 2008 the following surprising result “The usual costs for banks, insurance companies, asset managers and other service providers, amounting to about 3% lead, that at an average return of 8% for a term of thirty years by around 50% lower gives results.” In other words, most consumers give half of the resulting capital performance to the product provider insurance and fund using unsuitable and overpriced especially pensions. How to reach, for example, for detailed consideration of the actual cost incurred by a commercially available private unit-linked Pension insurance slightly in amazement. Get all the facts for a more clear viewpoint with Gary Kelly. An insurance contract with 150,-Euro caused monthly fee and a contract term of 30 years with an adopted 6% performance of the Fund investment of euro 8.500,-sales, acquisition and costs. There are also over 23.800,-euro fund investment costs, which hit at the Fund level to beech.

More so than 32.400,-euro, which flow to the uninsured but the insurance for contract creation, contract management and fund management. Cost check by the honorary consultant – so get rid of unnecessary product cost In the cost check both classical private – as well as operationally guided life, pensions, Riester -, and Rurup are approved insurance in detail by qualified honorary consultant. In addition, also cost structures of unit-linked insurance products and actively managed funds are analyzed. “Through our cost check consumers can an image of insurance companies, funds and savings plans make quality and the cost of your pension quickly and objectively. An independent assessment, which is created for every interested parties, is safer, is right and makes sense and made.”as Dipl.

kfm. Matthias Kokot, honorary consultant and Managing Director of Kokot financial planning. The result is a clearly worded analysis in the form of a financial cost opinion. This makes both all product cost: commissions, conclusion, and administrative charges, costs, ongoing capital investment costs transparent. There is also a concrete recommendation how existing contract costs can be reduced. “Our cost check is worth. In nine out of ten cases it manages to reduce US 50% of the contract cost. The optimization recommendations of our Honorary advisers increases the contract expiration in maintaining equal monthly insurance premiums by up to 40%.

Change The Private Health Insurance After Post Boost

Again an increase in post? Termination and change of the private health insurance should not be made without previous comparison. Just at the end of the year is regularly watching a wave of change in the private health insurance and has a good reason. At the end of the year, the insurance companies announce their contributions for the following year. The insured then faced an increase in premium. This contribution increases resulting from the dilemma that the private health insurance companies with steadily increasing costs by increasing life expectancy of insured and always more expensive treatments are facing. These rising costs are ultimately only with premium adjustments under control. The insured person by his insurer receives an increase in premium, an extraordinary termination right is entitled to him he may terminate the contract at the end of the year.

Considering a change of private health insurance into consideration, this should be considered good. First, the new rate should the as accurately as possible meet the individual requirements of the insured person. This means mostly that the services of the new tariff should be at least not worse than that of the old. Here, a comprehensive, independent, and accurate comparison of insurance is strongly recommended, so that you can find the society and the collective, which fits to the personal requirements. Such an individual private health insurance comparison can be requested online at relevant insurance portals, or are created by an independent insurance consultant. Also, the health condition of the insured person in the eye is to keep changing.

He is healthy, the way will be a change of the insurer. However there are pre-existing conditions, then he must expect insurance at the new company with risk premiums or in the worst case a refusal of the insurance. Risk premiums can increase, seriously the monthly contribution at, so that the new post can be higher than the previous. It is much less favourable if the Application due to risk factors is not accepted in this case it remains best at the old society, even if this increases the contribution. Finally, it is to bear in mind that each company makes for their insured retirement provisions, as early as possible to avoid a disproportionate increase in posts at the age. These provisions are mandatory. You can be transferred for contracts concluded after 1 January 2009. For older contracts, they are lost what is another reason to consider the change of the society. A change is decided, then apply it, to ensure a seamless transition in health insurance. It requires already the statutory compulsory health insurance. Is cancelled insurance as at 31 December, the new Treaty to January 1 must begin. Usually is also to demonstrate the before and the subsequent insurance of society for the termination to take effect and the new insurance on the Enters credit transfer latency.

Business Account

Information and tips for finding a lucrative business account. A business account is versatile and user friendly a company requires not only a headquarters and several staff members, she needed a website nowadays also ideally and of course a business account. This enables the company or the company to easily make payments to day, financial obligations and to accept payments from customers. A business account has functionality similar to a private-use checking account, that pretty much everyone has. In addition, it has still more useful functions that are essential for a company.

But first to the basics. As well as there are today free checking accounts, there are also various free merchant accounts. A business account has the same features as a giro account regarding the transfer or credit speed. In addition it has a business account also several advantages, which are very important for a company’s financial independence. So there is a business account in addition to exhibit several debit cards, so that several agents of the company also often a short-term credit which guarantees the liquidation of the company, at the same time have access to the account, once financial bottlenecks occur. With the wide range of different business account offers you should take sufficient time to find out the right offer of a business account.

You should careful in selecting first and foremost on the possible amount of the monthly charges of the business account, which are often much higher than in a normal checking account. Also the individual transfers, transactions, and direct debit associated with varying costs. Still, the distribution of the services of the Bank is important as well when choosing a business account and the automatic distribution is. In addition, you should be considered different terms of online banking, as well as the amount of the credit interest on the business account.

Banking Landscape

On current developments and the situation of the banking landscape in Germany. Current movement in Germany’s banking sector as years is no longer so much. Several institutions are available for sale and first banks were already sold. Therefore, it is interesting to take a look at the banking landscape in Germany. In international comparison, minimal grows the German market for banking products and is one of the world’s most competitive markets.

The competitive pressure is enormous. This leads to falling margins, about when it comes to an ordinary instant credit. So, experts assume that a bank in this country earned just over 100 euros to a customer, while it is a multiple of this amount in other countries. Visit Gary Kelly for more clarity on the issue. This fierce competition is evident even on the cost side. As domestic banks to spend more than 60 cents, to earn a euro with private clients. Abroad, there are often only 40 percent, which must be used. After all, an entire one-third less than in this country.

Only banks with a strong customer focus and outstanding products or strategies have the chance to survive and earn well in this market. It was at the time the Citibank, which was made popular with her Citibank installment loan business with consumer credit. This business field was dazumal still shunned and even morally questionable considered by other banks. Given the current need for impairment caused by along with securitized loans that classification should elicit only a smile most readers, because banks know usually hardly morality when it comes to the own profit. It remains so further interesting to see, how to develop the German banking landscape and consolidate. So far this had only advantages for the consumer. Daniel Franke