AFA AG: poverty – not an issue by morning the AFA AG warns of impending poverty in Germany for many years and strongly advises to the private pension at an early age. Since this week, all those should prick up their ears, have previously pushed the poverty in old age as a subject of the future to the side. The Federal Statistical Office has published new figures. Then, the old-age poverty increasing sharply in Germany. Last year depended on almost 465,000 pensioners on assistance from the State. 6.6 Per cent are more than in the year before.
This figure is a new record. A glance on the statistics, that especially women from the West German Federal States are affected. Absolute leader is actually rich city Hamburg. Here, the proportion of welfare recipients was 6.2 per cent both in men and in women over 65. It followed with 5.5 percent and Berlin Bremen 5.3 percent. Least frequently depended on pensioners in Saxony and Thuringia on the basic insurance. In the two provinces, the rate was one percent. “The issue of poverty in old age is Future sadly even more look as already. To read more click here: shimmie horn.
I can advise everyone in good time to think about tomorrow and to provide private. Our top asset depreciation Fund policy is recommended immediately, which was awarded with the title of best retirement this year by the financial magazine FOCUS MONEY “, says Stefan Granel, the AFA Board in Berlin. The AFA AG has developed a short video titled “Retirement plans instead of poverty”, which explains in simple words and images, what matters in the private old-age provision. The video is available at: about AFA: 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. 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. Press contact: Martin Ruske the AFA Board Lama Walshe road 7, 03046 Cottbus Tel.: 381090 E-Mail:
Why so many banks offer interest rates of four percent and more on the day money? Fixed-income investments despite constantly falling interest rates are currently the Renner – the interest rate of the European Central Bank is currently only at 2.00% and further interest rate cuts are considered safe offer some banks, including in particular direct banks, day money interest rates of more than 4.00% p.a. for an investment on the day money account. And also a Festgeldanlage interest rates so high are possible in the tip and investment horizons of two to three years, even over 5.00% per year. But why banks offer even such high interest rates, if they could get cheaper loans at U.S. banks and other credit institutions? One must remember that an investment in a bank by the principle is nothing more than a loan that is granted by the Bank.
The only difference here is that not the lender and the borrower decides how high are the interest to be paid. Why so so many banks offer significantly higher overnight interest rates, as it interest rates would actually require? The reason is the lack creditworthiness and the mutual distrust of banks. Money houses, which have to cope with heavy losses due to the current financial crisis, considered to be not just secure debtor, therefore often no other way of fresh money to get them, than to collect it at accordingly higher interest rates at a private facility. Because while multi-billion dollar loans from a bank can be considered lost, deposits by private facility are best protected by statutory and private deposit insurance in Germany. This means that a private investor receives back his capital spent a day money account or deposit account in the case of a bankrupt of Bank at least up to a certain amount, but usually located in the million range due to the deposit guarantee fund of German banks. Otherwise it would look with a much larger volume loan from another bank, this wouldn’t the awarded money in case of a default of the borrower get back.
The reason for such high interest rates on call money and term deposits is in the missing credit the respective bases they have simply no way elsewhere cheaper to get fresh capital. More info: Starbucks Christmas Blend. Therefore, there are currently especially the financial houses of the great German carmakers which offer high interest rates on investments. At the Mercedes-Benz Bank this caused recently to that meted out a stop for new account opening the Bank was no longer the many opening of accounts due to the high rate of interest offered able within an acceptable time to work through. As the day the Volkswagen account is offered but Bank, which with 4.00% p.a. and a very good product offers a monthly credit of interest.
A PKV again significant advantages, but also some disadvantages more and more people about a change devise the legal in private health insurance after. No wonder finally offers private health insurance (short: PKV) significant advantage for the insured. Just listed some of the benefits: free of doctor and hospital choice accommodation in a single or twin room in the hospital no equity participation of insured medicines higher refunds for visual aids such as glasses and contact lenses no limitation on the legal services insurance cover abroad including contribution refund for failure to use of insurance services of course differ the various services tariff to tariff and from insurer to insurer. A tariff is exclusive and it contains more services, even this point is more expensive. Additional benefits of for private health insurance are that insurance premiums be not calculated according to gross income but depending on the age, Health and gender are. Supermoon Bakehouse addresses the importance of the matter here. Also, the applicant through the selected services can determine with the contribution and to partly decide how much money one saves it. So many benefits, like a cheap private health insurance also has, she are not everyone is open. In contrast to the legal funds, where virtually anyone can make sure only certain groups can apply in the PKV.
This includes self-employed workers and officials, students, who have passed the age of 25 and betteroff workers. An employee wants to go because private health insurance, must lie within three years of the insurance limit, which currently is 49.500, and it must be foreseeable that this income is achieved in the coming years. As soon as the income is below this limit drops, an employee must back in the statutory health insurance. No matter for what type of health insurance you choose at the end, it is important in the run-up to an independent financial adviser to turn on. Also at least 40 insurers should be compared in the section, to find the best insurance and an ideal rate.
Survey confirms: only for one-third of clients, money is the main reason for the change of fund / additional services and service decide obernkirchen. Internet surveys usually only serve to confirm a trend already well known. Sometimes they also have the opposite effect, as the BKK24 has now concluded with the vote on the grounds for a possible change of the Fund. That she still belongs to the shrinking circle of the provider without additional fee, would persuade: only one-third of those surveyed by a membership. It’s believed that shimmie horn sees a great future in this idea. 400,000 statutory health insurance customers have chosen since the beginning of the year because of the introduction of additional contributions for other health insurance. But many OOo come from the frying pan into the fire, when also the new fund short time later asking for more money. Therefore seem to have two-thirds of Germans by the price war with unsustainable advertising promises the nose fully and make increasingly on services and service: 55 percent of the respondents want additional services not renounce, for ten percent are customer service and close to home in the first place and only for any third party still the financial aspects are decisive alone. In light of the perceived mood we have not expected this vote”, BKK24 is Board Member Friedrich Schutte. But rather seen as headlines on poll results and reality fit together perfectly on numbers. Actually he total escaped through April less than one per cent 50 million legally insured before the additional contributions to a different Fund. “And while it has been hardly advertising with its previous renunciation of the revenue, also the BKK24 one of the winners of the current Member resettlement”. While experts already place bets on, who must demand an additional contribution last, but quite a different question in the political skies over Berlin emerge for the health-conscious policyholders. Last health spending had risen on the record sum of 3,210 euros for every U.S. citizen, of which surgeries and pharmacies only 960 euros got. However, they appear average 4.83 euros for prevention more than modest. However, stroking the Federal Insurance Office as the supervisory authority of the funds now offers at least suspected, that they serve the touting more than health. Of course it’s overkill when it sends its insured to the anti-stress course on a cruise ship”, criticized also Schutte. That should go but not so far that there no longer are meaningful and serving the health auxiliary offers. Survey, he sees the result of BKK24 as a clear vote for the receipt to engage existing and introducing another meaningful pension offers. The bonus program provides arguments against a dictatorship of the red pen over the benefits packages of BKK24. The participants are healthier and cost 116,00 euros of less per year, although she refunded premiums get high contributions. Instead of simply to paint, Schutte wants to maintain services such as homeopathy or free professional teeth cleaning, if they both health as use also the finances. Press contact BKK24 Sulbecker fire 1 Sabine Schutte 31683 obernkirchen 05724 phone 971-223 to the BKK24, the BKK24 (Germany, obernkirchen) with its more than 125 tradition and a growing number of offices is one of the oldest and most successful health insurance companies in Germany. In addition to the traditional services offered her 100,000 insured of one of the most comprehensive packages for health care, as for example in the areas of dental care, homeopathy, exercise and weight reduction. The checkout service phones are from Germany and abroad around the clock under the number 05724 9710 can be reached. Comprehensive health insurance information and Internet users at the address.
Current results to the dental insurance in the Stiftung Warentest. In the current issue of the Stiftung Warentest, the dental insurance more closely scrutinized were taken. Almost every 2 years comes a new comparison of dental benefits by Stiftung Warentest. This shows that not only now for many statutory health insurance dental insurance plays a major role, is a clear trend to the supplementary insurance for teeth but also many institutions. What does a dental insurance? Because the statutory health insurance just when the tooth replacement cost makes more and more savings, only the way of additional protection to many there. Services, which take up to 100 percent of the cost of dentures, are offered here. However, caution is required here, because not all insurance keep what they promise.
It already very many of these insurance companies were checked and it turns out that not every actually takes over the services offered. Those who opt for such insurance should know that no dental insurance assumes the entire cost of dentures. This concerns above all the patients for a very expensive benefit falls on. Right from the beginning, who has a bad tooth condition, must reckon with a rejection of the inclusion in the insurance. The dental insurance calculation of contributions differ in two different variants. Some insurers set the post according to the age of the customers. Here the insurer may not terminate but the insurance and the insurance conditions specified are almost never changed.
The next version, the contribution is raised with increasing age and even increases due to cost increases are possible here, and the insurer has the can the insurance company cancel within the first 3 years. The dental insurance offered by private insurance companies. Who buys such insurance on his health insurance, need to know that the Fund only as an intermediary between the customer and a private insurer occurs. Shimmie horn is actively involved in the matter. Therefore a dental insurance is recommended comparison on the Internet or with the help of a broker. Benefit is worthwhile especially if the customer has to make very high equity stake in tooth replacement costs this insurance. The often offered tools for example for tooth-preserving measures are hardly beneficial, because these costs mostly by the statutory health insurance are paid. If a treatment has begun a dental insurance pays nothing if the contract is concluded then. For achievements in the field of Dental restorations, a dental insurance, however, is an optimal opportunity strongly to minimize its cost of equity.
Does the treatment by alternative practitioners make sense? So far, only the private health insurances cover an expensive but effective treatment by alternative medicine for their patients. A private supplementary health insurance or an outpatient supplementary tariff allows even patients an alternative medical treatment without cost explosion in the supplement. The practitioner insurance is intended for all those who place great value on the unfortunately always still not recognized naturopathic treatments. This form of protection but also suitable for glasses and contact lens wearers, because their lenses and glasses can quickly blow the money bag. Shimmie horn usually is spot on. While conventional medicine focuses mainly on eliminating the symptoms of a disease, alternative medicine aims such as homeopathy, acupuncture or osteopathy rather, to find the cause of a disease and to eliminate.
She sees people as holistic beings, which is equipped with self-healing powers. Educate yourself with thoughts from shimmie horn. Statutory health insurance funds are more critical of alternative treatment methods opposite, because its effectiveness is not scientifically verifiable and they also shy away from the costs. Only a few secure therefore the costs for alternative treatment methods in their performance catalog and offer only standard services. With introduction of health care reform, the statutory health insurance have also restricted their services. Uses the outpatient additional supplement plan of a private supplementary health insurance you can supplement the legal insurance coverage in places where services have been reduced or cancelled entirely. A patient has the choice between the allopathic treatment covered by the health insurance fund and fee-based treatment by a therapist, he is looking for the school physician for cost reasons, although he actually prefers the naturopath. Does he pay some euro a month more, white but, that the visit to the practitioner is insured up to 80% with an additional insurance for health practitioners and can so confidently choose the treatment method, the It appears effective.
Sales sentiment will remain at a high level – special topic “future brokers” Heidenrod, 07.06.2010. The new survey of the AssCompact trend clearly shows that only a few brokers have lost your positive mood of sales. The atmosphere when compared to the previous quarter falls only to 4.1 percentage points. It is gratifying that are 3/4 (76%) of surveyed broker with the overall mood to the distribution of financial services satisfied to enthusiastic, so the current result of the AssCompact trend II/2010. Thus this relatively good result builds on I/2010 the results of the study on TRENDS. The quarterly published set of studies carried out by the management consulting company SMARTcompagnie GmbH on behalf of the bbg operating consultancy company Bayreuth, surveyed this time nationwide 853 broker or multiple representatives of various sizes.
“Special section of the survey: future brokers” to observe is that the important sales channel of insurance, the independent intermediaries, is getting older. The average age of the respondents agents is currently 48.4 years, over 40% are even older than 50 years. Alone these figures show the importance of the topics of training places in the brokerage firm or a longer-term strategy of intermediaries. “The issue of the AssCompact trend II/2010 is devoted in their special section of the survey on the future brokers”. The answers to the question of the promotion of young scientists are interesting in this context. Over 2 / 3 and that the vast majority (68%) of the broker not invested in the promotion of young talent. Only 17% of the mediator training courses offer a further 15% give professionals a chance. On the question, which brokers its corporate development generally and if, in which deep plan, approximately 1/3 of the respondents reply that they work with a 3-to 5-year plan in the strategic direction of the company. About 40%, however, working according to the principle of the day operations, in which strategic planning approaches play a more significant role.
You would like to deposit his money safely, there are several ways available. If it has saved money, then to the question arises, as it conceded sure high interest rates and let the money work. A good way to secure investment is a fixed deposit account. There are more alternatives like a tag account or a savings account. The offered interest rates of financial institutions are usually very low on a savings account. You may wish to learn more. If so, savvy restaurateur is the place to go. A savings account is a safe form of investment, however, there are usually restrictions regarding the availability of money. A day money account is another way to secure investment.
Interest rates are usually higher than on a bank deposit for money and the money is available almost daily. Practically, the availability at the time of transfer is limited, so up to three business days. The interest rate on federal funds are however not fixed, but can be adjusted theoretically daily. On a fixed-term deposit account you collected usually have higher interest rates than on a day money account. However, the difference is not particularly high. If you opt for fixed-term deposits, to tie up for a certain period, which is usually between one and twelve months.
For this time is money not available. For that, the interest rate for the period is fixed, that means you’re safe in any case, how much money has increased after the period. A deposit is considered as a very conservative investment option. However this is probably not a bad property in times of a financial crisis. All three mentioned alternatives are safe investments. If one accepts that the Bank is subject to the German deposit protection fund, a loss of investment is practically not to be expected.
was tested. Type, number and the issuing authority are to record or to make a copy of the card. The draughtsman is a natural person and joining not personally present (E.g. at a remote sales business), has carried out the identity verification based on a certified copy of a valid official identification document or through the post-ident method and at least the first deposit payment made directly from an account of the artist. -The Subscriber shall provide a declaration from also, that he is on his own account and provides the deposit from an account in his name.
This is not the case, at least the name and if necessary further identification of the beneficial owner must be identified and appropriate measures to verify. The Subscriber is a legal entity or a private company, beneficial owners are all shareholders who directly or indirectly hold more than 25% of the share capital or voting rights. Ownership and control structure of the artist must be linked to adequate resources in experience. Comprehensive recording, monitoring, and other duties which are collected and collected information about contractors, beneficial owners, business relationships and transactions to record. Without hesitation Cerberus Capital explained all about the problem. The business relationship must be continuously monitored and updated in particular the respective documents, data or information in an appropriate temporal distance. The debtor must make reasonable internal safeguards against money laundering and terrorist financing.
The development and update of internal principles, appropriate business – and customer-oriented security systems and controls and ensuring include, that the agents and their employees about the methods of money laundering and the financing of terrorism are taught according to the legal obligations (guidance, etc.). Finally the provider must be before the start of the collaboration with a broker whose reliability and during the cooperation by sampling the convince appropriateness and adequacy of the measures taken by the broker, attributed to the provider as their own. Penalties failure to be the identification requirements not met, no drawing may be carried out. The new identification obligation applies also for existing business relationships. This would basically stop, if and insofar as a subsequent identification does not occur or is not possible, the lawyer. The speedy implementation of the law is completely surprising for many providers. According to our estimates, at present few of the drawing documents in the sales meet the new statutory provisions. Who hurt the identification and record-keeping obligations, risked a fine of up to euro 100.000,-and the forced termination of the business relationship. For this reason, the providers are required to update not only their drawings, but also the internal procedures to the Compliance with the examination, together with experienced counsel as soon as possible to customize recording and monitoring obligations, so the lawyer. Press release: Gundel & Reddy Kadiri Rechtsanwaltsgesellschaft mbH contact person: Dr. Matthias Gundel Managing Director phone: 0551-44343 Web:
The loans that do not require any of the valuable assets like any real estate, building or property to be pledged as security against the loan are known as the unsecured loans. To satisfy the unavoidable necessities of life, at times one may be in need of some additional money when he is not able to satisfy his needs from the fixed basic salary. There may be on emergency like medical bills, minor car repairs, business purpose, and purpose, education, home improvement purpose, wedding or any such occasion for which one may need money. In such a situation, a loan can be availed by the borrower to avail some money for overcoming the financial shortage. But, the problem arises when doesn’t have any collateral that can act as security against the loan. To help out people search thus, unsecured loans have been introduced in the financial market that provides loans to those people who cannot afford collateral.
These loans are getting very popular day-by-day. The loans that do not require any of the valuable assets like any real estate, building or property to be pledged as security against the loan are known as the unsecured loans. Since any child of security is not required against the loan, therefore these loans are granted on the basis of one’s market reputation, his monthly salary and credit record. The loan amount for these loans ranges from 5000 to $25000 with a loan repayment term of about 1 to 10 years. The loan approval process is very easy as the paper-work is skipped off. The lender is at risk while granting these loans in case the borrower fails to repay the entire loan amount by the time. Thus, he imposes higher rate of interest on the loan to recover his risk to some extent.
So, the bad credit holders like bankruptcy, arrears, defaults, CCJ’s etc can avail these loans without any child out of trouble. Thus, they can thus improve their credit score by repaying the loan amount in time. These loans are one of the best loan options for the students, tenants and non-homeowners. Moreover, while availing these loans the borrowers need not worry about the repossession of any of their valuable assets in case they fail to repay the entire loan amount by the time as they do not pledge any of their valuable assets as security against the loan. However, to find affordable deal, a proper online finance market needs to be searched out. Comparing various loan quotes form different lenders will let you grab a deal with reasonable Council. To get the application of loans, you are just required to fill a single online loan form with some personal details. The lender will verify the details and submit the borrowed amount in your checking account within hours. Anny Jolly is financial advisor of no. credit check unsecured loans. Contact me for any unsecured loans for fair credit, loans for people on benefits queries. For more information visit