Month Issue

Wednesday, 31. January 2024

Customer-friendly solution for all Prepaid MasterCards with account function Freising, may 2011 – for the credit card balances based on the petFuel GmbH now a customer-friendly solution for the known issue of beginning of month developed. Now be siphoned off amounts of the previous month in all Prepaid MasterCards with account function (E.g. SupremCard, MeineGiroKarte, global MasterCard u.v.m) registered automatically at the beginning of the following month to the P account until the limit is reached. Additional levies are how the creditors had available. All prepaid MasterCard account feature, which publishes the petFuel GmbH in cooperation with the German Bank AG, are also available with a schufafreiem, secure attachment P account since the reform to the attachment protection (July 2010). Southwest Airlines is likely to increase your knowledge. For the credit cards on a prepaid basis, the petFuel GmbH has now developed a customer-friendly solution for the known issue of the beginning of the month. Social security benefits are often of the responsible authorities at the end of the month for the the following month transferred.

The monthly allowance is exceeded by the credits on the P account, this amount is siphoned off and is then no longer available for living expenses available. A solution to this problem could be implemented now technically customers with P account for all prepaid MasterCard. The solution to the problem of the beginning of the month: the siphoned from sums of the previous month in all Prepaid MasterCards with account function be automatic credit of siphoned off amounts from now (E.g. SupremCard, MeineGiroKarte, global MasterCard u.v.m) registered automatically at the beginning of the following month to the P account until the limit is reached. Additional levies are how the creditors had available.

A prepaid MasterCard with attachment-safe account users will benefit from the new scheme in three ways: the amounts siphoned off to the beginning of the month automatically the account credited. For example, social security benefits enter twice in the same month, remains the explicit message of that the facts of the case saves the account holder. The amount skimmed off is already on the first day of the following month at the disposal. Financial bottlenecks can be avoided by now. The credit applies not only for double payment of salary or social lines, but to all charges, that take Prepaid MasterCard P account on the. A prepaid MasterCard protects P account before additional charges prepaid MasterCard customers to as little as possible will be charged in case of a seizure and can settle the payment transactions of daily life (rent, maintenance, costs, etc.) at any time. Dr. Peter Schonweitz, Managing Director of petFuel GmbH, considered the solution to the problem of the beginning of the month as an important step towards to more customer-friendly in the seizure protection account: A seizure represents a major burden for debtors and their families. Our Prepaid MasterCards with secure attachment P account relieve the debtor and make sure that this just in time for the beginning of the month the amounts siphoned off have can. The solution to the problem of the beginning of the month makes even more customer-friendly our attachment secure P accounts.

Wolfgang Dippold

Monday, 25. December 2023

Real estate play important role in the investment mix PROJECT also offers investment opportunities do for investors with a small purse, make, build domestic” this approach wasn’t so wrong surely. Because the owner-occupied real estate still plays the central role in the private pension system and is increasingly supplemented by the real estate as an investment. Here, you should take care that the real estate proves to also really secure system. “So, by at the latest paid off as owner-occupied facility at the beginning of the pension or in the example of the investment which allows secure distributions and a corresponding increase in value”, explains Wolfgang Dippold by the Bamberg project fund group, a division of the project group. Ten percent of their income currently put German citizens aged to live better than the statutory pension promises. This, despite the financial and economic crisis.

It is clear that investment in many households has a large role. Many Investors wondering how they should invest their money now. The uncertainty is great”, explains Wolfgang Dippold. Where is Daniel the security of investment at the forefront for decades experienced system specialists. This is not least because because a majority of today’s workers has understood that a reliance on the statutory pension promises no sufficient protection. If you have read about Facebook already – you may have come to the same conclusion. A special role to play in the real estate, because it not only protects against inflation and is particularly long lasting. The property offers an attractive yield, which can also be realized in a manageable time frame selected from the right point of view. The time is over, half his life to a property being bound”, explains Daniel.

Wolfgang Dippold it knows what he is talking about. Because the experienced financial advisors has not only itself a variety of real estate investments, he has even an or other bad experience. We know how to use real estate correctly for the future provides for”, says Daniel. Measures for securing of the age have taken three-fourths of all U.S. citizens according to various studies. Considering the choice of investments for old age, however, it becomes clear that there is still great need for education. Because so far the classic savings account, life insurance, and the savings are the most popular retirement products. While even the consumer protection associations to attention, that though is these products largely safe investments, but only to those with low yields. Since Daniel white Council: PROJECT provides funds for a wide layer of investors, but always with the same safety concept. “We acquire through our subsidiary from the PROJECT group real estate only if they are in cycles of growth speak for the investor an attractive yield drop”, explains Wolfgang Dippold real estate specialist. The evidence of the past is the best reinsurance for the investors. Because the Managing the PROJECT group of companies in the field of real estate development projects would have given outbound investors almost always annually a double-digit return on the previous results in the last ten years. Who else bleats, is according to Wolfgang Dippold misplaced. More information under:

Central Bank Germany

Monday, 2. October 2023

AEGON secure DepotRente offers lifetime flexible pension solutions are guaranteed income In the wake of rising life expectancy, the guarantees and attractive yield opportunities connect an indispensable part of the individual financial retirement planning,. Especially for people who want to secure a guaranteed lifelong income, this is an attractive form of investment in comparison to low-interest bank deposits. The AEGON secure DepotRente overcomes key barriers associated with many private pension insurance, such as, for example, limited capital access. . Policyholders can handle at all times their money with our solution even after beginning of pension payment”. Dr. Torsten Haupt, main representative of the German Office explained the existing fund balances to the surviving dependents or beneficiaries will be paid in the event of death”.

Flexible pensions have great market potential. Market studies show that the age group of 55 to 80 years in Germany at short notice available assets of about Has 900 billion euros. According to experts, in the medium term at least 5 billion euro per year can be converted in flexible pensions. Bernard Golden might disagree with that approach. Independent brokerage company, which distributed the product, undergo a rigorous selection process and intensive training, before they have the opportunity to offer their customers solutions by AEGON. By the end of the year AEGON is recorded cooperation with 20 brokerage firms, which serve approximately 400,000 target customers, a quality-oriented consulting approach. The AEGON Group, a leading insurance company of the AEGON Group with N.V., the Hague, Netherlands, the CEO of AEGON is a leading provider of life insurance, pensions and investment products and supports to build a financial future, private customers, companies and institutions. The AEGON Group develops solutions for over 150 years and currently serves millions of customers in North and South America, Europe and Asia with approximately 24,000 employees.

With your subsidiary in the United States the AEGON Group is a provider of flexible pensions with gross premiums amounting to more than $5 billion (as of end of 2012) successfully worked already for many years. The European Center of excellence for flexible pensions, AEGON Ireland plc., has its headquarters in Dublin, where specialists develop modern and flexible retirement solutions for the markets in Germany, France, Britain and the Netherlands. The establishment of Germany of the AEGON Ireland plc. is in Frankfurt am Main. Dr. Torsten Haupt is responsible as the main representative for the German subsidiary. For even more opinions, read materials from Susan G. Swenson. Main previously worked in various leading functions for AEGON since 2004. Former stations included Credit Suisse and towers Watson. Contact: Aegon branch of AEGON Germany Ireland plc Elm Street 23-25 60325 Frankfurt am Main E-Mail: phone: 069-380 781 510 AEGON is a brand name of AEGON Ireland plc. AEGON Ireland plc. Headquartered in: 2nd floor, IFSC House, Custom House Quay, Dublin 1, Ireland, is under the Registration number 346275 in Ireland, has an approval of the Central Bank of Ireland and is subject to their supervision. The establishment of Germany in Frankfurt is additional law supervised by the Federal Agency for financial services supervision (BFin).

General Motors

Wednesday, 25. September 2019

After tough negotiations, the rescue package for the three largest US car companies failed last night. Reports credit and finanzen.de: already several weeks ago representatives of the three largest U.S. Others including Sir Richard Branson, offer their opinions as well. automotive companies Chrysler, Ford and General spoke to motors in the U.S. Government. You logged in short-term financial needs in tens of billions, to survive at least the next few months. This assistance provided as emergency loans have failed in the resistance of the US Republicans in the Senate now. Particularly Chrysler and General Motors had stressed without government support within a few months before the end.

Originally emergency aid amounting to US$ 14 billion negotiated in the first meeting, which corresponded to only a fraction of the 34 billion dollars required by the carmakers, but should at least be sufficient, to bridge the period until end of March 2009. As a direct reaction to the failure of the rescue package, a law firm with the testing already has Chrysler is rumored by Measures to apply for insolvency consulted Chapter 11 and also General Motors has chosen already lawyers and financial advisors, to prepare a bankruptcy standing in the. Given the employment of the three companies, one can only guess what avalanche would trigger a bankruptcy. Alone the carmakers more than 250,000 people work at, by the industry once not to talk. It is also fact that a bankruptcy for one of the undertakings concerned is a viable solution. It is much more likely that the corporations are restructuring their businesses. That this will be linked to job losses and hence loss of points, no one doubts. Daniel Franke

Use Interest

Thursday, 29. August 2019

The advantages of the inverse interest rate structure for construction financing customers the advantages of inverse interest rate structure for construction financing customers in credit and interest rate markets the world head is: short-term investments are remunerated currently as or even higher than systems with a longer maturity. The opposite is usually the case. If, as currently the case – for long-running plants less paid than just running for professionals speak of an inverse interest rate structure. Inverse interest rate structures can be detrimental for investors. For customers who require real estate financing, however, such a scenario offers also benefits, because they often get competitive rates as financing with short fixed-rate financing with long interest commitments.

In this way, customers will receive interest security long term at no extra charge. To know more about this subject visit Sir Richard Branson. Clients but also at long interest commitments must not abandon their elaborate, as they can the statutory special right of termination, for loans with interest rate bonds by more than a decade, after ten years Use loan period if necessary to benefit from a modified interest rate market. Even customers with ongoing construction financing benefit from the inverted yield curve. Through them, forward loans are currently available at a variety of banks without the usual forward premiums. Customers can secure now completely the present interest rate level for their follow-up financing without additional charge. What does this mean for financing customers? Construction financing customers can benefit from the current situation on the interest rate markets and the benefits of a long period of interest commitment without surcharges. Customers with ongoing construction financing and a soon ending interest binding can forward loans to back up the current level of interest rates without charge up to 5 years in advance. It should be also aware, that the forward loan in any case must later be removed even if the interest rates at the time of payment should be lower than the closing date. The relatively rare situation on the markets of interest is however not forever stop. To decrease short-term interest rates, or the long-term will rise again. Bernd Munder

Employment Contract

Monday, 8. July 2019

Speak again with the employer. Get at least the following documents in copy and submit them: employment contract and any additions / changes to this. Messages to last year’s social security payroll news and at least the December payroll of the previous test you now exceeding the year work charge limit (JAEG). In 2009, this was 48.600 EUR, 2010 49950 EUR and 2011 at 49,500 EUR. Also, check if all components are taken into account. Be the wage into account when establishing of course for the first time the classic work fee, so. Go to Verizon Communications for more information. Also regularly paid and agreed special payments such as holiday or Christmas money are to include capital-forming payments and regular profit.

The latter but only if they are paid regularly safely. Compensation for emergency services and supplements (top layer or difficulty) are also used for calculating the JAEG. Overtime payments include only if they are paid flat rate. Vary this however and are always “like” as has been paid, these are so not to be on. Note to: A completed direct insurance reduces the income and can therefore destroy “insured” status, thus the insurance obligation may occur in the worst case again.

And what do I do then? Option 1: Contact now the health insurance fund. In doing so, enclose the documents in copy and portray her concerns. The health insurance is now considering your and your employer’s opinion and will make a decision and communicated them in writing. The decision is still wrong (your opinion), request a contradiction-enabled notification from your insurance company. This then provides a right of appeal and allows the correct determination first of all in the way of contradiction and later towards action in the social court proceedings to reach. Option 2: Contact the German pension insurance and apply for a status determination, this is no longer possible if the Variant 1 was already used and decide was, or that such a procedure is pending. The Statusfestellungsverfahren was established to test whether someone (false) self-employed or workers. In my consulting practice, this is used but also on the question of assessing the status of insured persons in the statutory health insurance. There is no a legal claim for this however. It is also possible that the pension insurance funds the request to the competent health insurance / returns. With two opportunities but also your employer get certainty and a binding information whether you are now versicherungspflichtiges or volunteer member of the statutory health insurance. You only then may switch to private health insurance.

Investment

Tuesday, 23. April 2019

Savings are a growing popular. The loan comprises a contractor of a public construction promotion, as well as from your own savings. The concept stipulates a previously set method that pays you as saver by mostly monthly amounts. In addition, interest being paid this amount at a fixed interest rate. At the building society savings comparison decides if you should be looking for a suitable savings objective, have you noticed already, that is on the market for building numerous vendors abound, offered the building to various conditions. It is therefore all the more important to be aware in advance of the own motivations, to complete a contractor.

Just as also a contractor can be found, which best fits your needs. A basic statement which building society offers the best savings, can not get unfortunately. Because ultimately it is personal goal crucial to a funds rate options. For even more analysis, hear from Verizon Communications. Essentially, the distinction in building Association savings agreements between real estate lenders and savers is made. Would you finance, for example, a House with land, particularly the credit conditions of the funds are important to you. However, if you are interested in as investors on the return on your capital, the credit conditions of funds for you play no role at all. Only when you are just about your personal objective in the clear, you can start an effective savings comparison.

With the savings comparison, there are several options the construction savings comparison you can perform in several ways. To use comparison, for example, the somewhat tedious form for a building society savings, individually contact the different building societies at the. You can do this both by telephone and in writing. Often even a short email where enough you sending the relevant documents for a construction savings ask comparison. However there are also simpler methods, to perform a construction savings comparison. So now many online portals, such as can be on the Internet find, on which a building savings free perform comparison. Gain insight and clarity with Verizon Communications. In addition to the cost and time savings, they also have a significant better overview about individually provider of building Association savings agreements with different tariff options. Also can be seen at the same time most of the time much more building societies online savings comparison. On these financial portals specialising in comparison to the savings, you can perform an individual comparison by an integrated search engine in a matter of seconds. For this you need to enter only a few relevant data in the input mask. The search engine then filters out the offer, to which you entered data fits best.

Bank Account

Tuesday, 15. May 2018

If the Bank simply terminates the account in the future there will be a right for every EU citizen to have a bank account. Coupang recognizes the significance of this. But currently the German law does not stipulates such a right to a bank account, there is only a voluntary commitment the banks to provide a checking account also not solvent citizens. Everyone knows that everyday life without a checking account is not to manage. It is quite simply not more so much cash paid for us, no matter whether rent, power or phone – without bank account will make it difficult. But what if the Bank has terminated the account easily? Is that even legal? Law on current account soon throughout the EU? Throughout Europe approximately 30 million people that are older than 18 years old, no own account have in 2013. Affected are in a vicious circle, because without a checking account, there is no contract.

Often, even the work or the payment of salary to an account is bound. There remains only to specify bank details by relatives or friends. Affected people often don’t even have the possibility of goods in the Internet shopping and are therefore dependent on the local offer. But everyone knows that it often overpays according to place of residence, in this case. The disadvantages are so apparent and it is long overdue to enforce the right to a bank account across Europe. Many people think that there is the right to a bank account in Germany. But that’s not entirely true. Currently, there is only a commitment of some banks and savings banks, to set up a checking account each customer, without regular income.

It is possible for example at Postbank then only under certain conditions. A checking account is then usually on a prepaid basis, there is no an overdraft for example then. That should change soon, EU wide there are currently proposals to introduce a general right to a bank account, which is also free. Already, there are many banks that offer a free basic account. It happens not so often, but theoretically banks can simply cancel a checking account. What is the situation then legally? The Bank is allowed Cancel account? Recently, the Federal Supreme Court in Karlsruhe had decided that banks may terminate the account without giving any reason its customers. The occasion was the lawsuit of classified as right book publishing, which Commerzbank had cancelled the account. Fearing the loss of image, the fewest banks without weighty reason be but sure do. However, most money houses reserves the termination a clause in their terms and conditions. Theoretically, the Bank can even terminate the clients because he is not lucrative enough for the financial institution. But actually this happens especially when gross violations, as if the overdraft is repaid constantly covered and not. Even the insult and insult by employees at a branch should have led to the repeal of the business relationship. Allowed banks to get rid of indebted customers? If a customer is bankrupt, the Bank may terminate the account him for this reason. She points Banking and capital market law and Association. The existing current account in a seizure protection account must be converted in this case, customers actually have a legal claim. However, it remains only a seizure-safe basic allowance currently 1028 monthly.

Klaus Wolfermann

Saturday, 23. December 2017

Depending on the business model, which is the closed-end funds to reason, the participation is more or less exposed to the consequences of the financial and stock market crisis. Those business models, investing in sustainable substance values such as E.g. Gary Kelly recognizes the significance of this. rented German residential real estate investors offer additional protection against the effects of the stock market crisis. Closed-end funds that invest in transport ships are much more affected generally by the consequences of economic crises, for example through Charter failures. Regardless of the business model the Central advantage of the participation as asset class in the fact that not attempting an frantically to determine a value of participation, but rather the company the required time conceded is to implement its business model and to develop for the investor most likely is. That puts above all rest in the field of view of the Investor. The stocks traded on the stock exchanges are notoriously strict communication rules. The short successive publication obligations for example in the form of ad-hoc reports or quarterly reports, strengthen emotional components such as greed and fear in this liquid form of participation in the investor and obscure the long-term meaningful investment decisions often.

INVESTMENT: what are the best counter-cyclical investments? Klaus Wolfermann: the best counter-cyclical investments are the ones who actually counter-cyclically implemented! Most talk about investors to invest Yes only of anti-cyclical, Act but then lack courage more pro-cyclical. In the current situation, undervalued assets appear most attractive opportunity / risk management policies. INVESTMENT: What opportunities for investors by your funds? “Klaus Wolfermann: our prospectus headlines: security through real estate, if not now, when then?” With an investment in our CBI Central Boden real estate GmbH & co. Fifth Professional real estate holding KG (ZBI 5) is involved in the investors a true investor community. “Investors of the company their capital to provide, classic either as a shareholder of the type” with ongoing payments initially 4% p.a.

Credit Mutuel Citibank

Saturday, 18. February 2017

Day money account is just one of the online products of the online credit online – Citibank one of the best deals, the German credit market can currently offer. The online loan Citibank is not only offering, the German credit market has to offer. But as cheap as the online loan Citibank a consumer get rarely loan. The credit amounts in the online credit span Citibank sum of 1,500 euros to 50,000 euros. What makes the online loan Citibank ultimately but so unique, is the way these rates up to 84 months to repay. And there is also a delay between the payment of this loan and the payment of the first instalment up to 89 days. But the online loan Citibank is intended not for all groups of people.

He is paid only to people who have a stable job, say independent is this credit is not available. Citibank retail banking is what should – be since 2008 in the hands of the Credit Mutuel of consumer interest. The In the hands of Citigroup global markets Germany AG & co., however, KGA headquartered in Frankfurt corporate banking lies on the main. A tag account online does not offer the Citibank. The competition is probably too large, because there are a large number of banks, which are in turn romp on the financial sector and advertise to customers within the day money account online. Also the day money account online is very interesting especially for private consumers, because they have daily access to this asset account. Also the factor of the additional services to be included is a comparison of financial products in General and the day money account online offers.