insurance & pension

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