Tag Archive: insurance & pension

Kaupthing Bank Increases Interest Rates For Fixed Deposit

New interest rates interest rates amount to 6.1 percent Frankfurt, Kaupthing has October 02, 2008 to September 30 for its online deposit accounts increased. An interest rate is available for a conditioning period of 12 months in the future by 6.1 percent. This continues the northern European direct bank at the top of the rates for fixed deposits with a maturity of one year. Even with a conditioning period of six months, Kaupthing offers the highest interest rates now 5.9 percent. At longer maturities, the fixed-term deposit accounts of Kaupthing are also in leading interest rate suppliers. Viktor Mayer-Schönberger shares his opinions and ideas on the topic at hand. For a period of 24 months, the rate rises to 5.75 per cent and for 36 months to 5.60 percent. In addition to the online deposit, Kaupthing offered his day Kaupthing edge account with an interest rate of 5.65 percent.

Unlike many offers of competitors, the high interest Kaupthing are linked to conditions like for example a new customer status, limitations of the investments or the simultaneous opening of securities accounts. It applies to all investment periods Guarantee that interest rates will be the European Central Bank until January 1, 2012, about the interest rate. Recent customer discussions is us become clear that many customers want to park their money at attractive interest rates in the current situation on the financial markets and observing the market”, explains Michael Kramer, Managing Director Germany of Kaupthing. With our coordinated range of day – and fixed-term deposits at leading interest rates, we meet this common wish.” The offer by Kaupthing in Germany at a glance day money 5.65 percent 6 months 5.90 percent 12 months 6.10 percent 24 months 36 months of 5.75 percent 5.60 percent is Kaupthing the German branch of the Icelandic Kaupthing Bank hf. The Bank has over 80 years experience in the retail business and operates in thirteen countries. The magazine Euromoney”honored the credit institution as the best bank in the North and Baltikregion in 2007.

In December of the same year, a study by Arthur D. Little, found that Kaupthing is the second most efficient Bank in Europe. It has an A1 – rating from Moody’s. In 2008 Kaupthing edge in the UK was nominated as the best provider of interest accounts for the money facts. Kaupthing the Kaupthing Bank offers comprehensive banking services for individuals, companies and institutional investors. The Bank focuses on the growth and the development of their international activities and is one of the leading investment banks in Northern Europe. The German subsidiary is headquartered in Frankfurt am Main. Permanent Representative and Managing Director of the German subsidiary is Michael Kramer. Press contact: Markus R. Sanam Tel: + 49 (0) 208 4848325 email: Web:

ZEUS Today Secures The Future Of Tomorrow

The Foundation for a life in security: Provide with the ZEUS component PLAN today for the future Bismarck laid the foundation stone for the statutory social security cover over 100 years ago. His concept envisaged a State pension as support to social security and was a milestone. Today this concept without supplementary benefits is no longer. For teenagers, large gaps have emerged, which can have disastrous consequences in case of an emergency. For more information see Professor of Internet Governance. Because the legislature will not close these gaps, it is important to take care of a private pension. The private pension insurance by ZEUS helps in increasing the statutory pension. The sooner, the better the pension decision indicates the future pension payments. Today, however, forecasts assume that the State pension is only about pay 36 percent of the salary.

This only if 46 years in the Pension Fund have been paid up. Today, it is important to provide for a secure future. Here, Boy Scouts of America expresses very clear opinions on the subject. So can an optimal and individual insurance lays the foundation stone for a carefree life in security. In ZEUS, found the ideal partner for this carefree to enjoy the earned retirement. Individual supply concepts of ZEUS are the Foundation for a secure future. Retirement system of ZEUS-component PLAN is a good feeling when developed the life cycle on the basis of a solid financial foundation.

ZEUS-parental letter, ZEUS – letter to parents protection, ZEUS – pension protection letter or the ZEUS pension protection letter sets the Foundation and with the ZEUS component PLAN, stone on stone is growing a stable framework for the assurance of the quality of life. The ZEUS group attaches much value to individualize the possibilities of insurance companies. The resulting products with which to start building his private pensions. The longer is the “lever” time, the less power you must move to achieve large sums of money. More information about all preventive services and pension benefits of ZEUS can be found under. Contact: ZEUS group-Gustav-Freytag-Strasse 13-15 22085 Hamburg phone: 040 / 41 30 – 10 30 fax: 040 / 41 30 – 16 03 E-mail: Web: description: the ZEUS group of companies is one of the largest service providers in the field of pension products in Germany. ZEUS was founded in Hamburg in 1974 and offered a comprehensive provision for young people for over 30 years. With the ZEUS-parental letter the company offers special benefits, which are individually aligned to the needs of the young target group. Product partners are well-known providers of insurance, such as the German ring and the Continentale.

DVF Protection

Many investment advisors to adapt the needs of their customers and offer – matching requirements – an apartment as an investment. St. Professor of Internet Governance may not feel the same. Gallen, 29.05.2013 – are the selling points: favorable financing conditions still fair purchase price and appropriately skilled site selection – simple chances. Two-thirds of a total of 24 million rented apartments and villas in Germany this fall on landlords who have usually only one or a few real estate. Statistically every tenth landlord has to complain about a rental outside level of 1,000. When every hundredth, there are already 10,000.

The majority of landlord hits it so hard when they are affected by a loss or damage. For they usually not only the yield is gone, threatening up to existence, even serious consequences may occur. Because it would be not a selling point, to make the capital investment of the payment of the lessee regardless? We submit a rental yield of 4% for a rented once Object, which value of 100,000 is. BeSURE through the loss of rent insurance landlord protection”with the performance package comfort produktvarianten.html reduced the yield of only around 0.1%, as the annual cost for this apartment of 160 are tax deductible. beSURE landlord protection offers a safeguard already from the first month of the Mietausfalls – for the entire rent and 90% of the costs. Can or will no longer pay a tenant, the landlord as the policy owner assigns his claims. Then, the DVF – German family insurance AG makes immediately, for a period of up to 6 months.

The comfort fare includes also the protection of possibly incurred damage to property up to 20,000 and is the legal advice, what best to do. It is not necessary to a legally established right. It’s fast support. That’s how cheap you can calculate here. The potential buyer gets to a large piece more safety and a qualified consultant a key selling point. Already in a few years, beSURE landlord protection in addition to the buildings insurance and the home and real estate insurance could be an important compulsory insurance”be. All these arguments also facilitate the consultations regarding the financing. BeSURE landlord protection as a single premium for a period of up to five years is offered specifically for the needs of real estate sellers. The premium may be, funded with for example, again reducing the current load. Everyone have advantages, because the offered landlord protection provides for a much higher security and a smooth loan process.

Cheap Car Insurance

The decision for a new auto insurance alone on the price eighth – adequate protection should always in the foreground are. Why pay more than necessary? Many products and services we make the effort to compare prices. No matter whether new television or the weekly shopping at the supermarket, sometimes we pay attention not only to the euro, often even to the cent. However, this applies to most not at the Kfz insurance. Here, in most cases offering the house insurance broker is blindly accepted. This is a significantly larger savings than is the case with milk and butter here.

This has of course a reason even if no good. Because the composition of car insurance is much more complex. And you have to spend some time to be able to get a cheap car insurance backup. What do I need? And what not? Many insurance companies offer more performance than is actually necessary. That need does not necessarily mean that the insurance broker has missed one an unnecessarily expensive tariffs.

Can be rather Situations change, so that a tariff, which was completed a few years ago, is today may not be optimal. Do I need to really have a fully comprehensive insurance? Should I pull the workshop binding into consideration? Or insurance protection letter will integrate the car in the car? Questions that you can think and needs to improve its coverage. Stand together optimal protection, while ensuring a possible cheap car insurance this is possible with a car insurance comparison online. Because this step by step through the tariff calculation. On time at each point, where can be saved and how this affects the amount of the insurance premium. There is also the possibility to vary points such as the deductible in the insurance. To find out how these factors affect on the cost. In this way the current insurance rate scrutiny under undergoes, as can be found in just a few minutes if at all a change in account should be considered. Where the targeted goal should be never cheap to make the car, to the detriment of protection insurance. It can retaliate in the event of damage. Making a really cheap car very expensive insurance.

Interest

Compare money market accounts and interest rates. You are looking for a good and lucrative form of saving your hard savings to secure and increase? On the current money market, which is not so easy. The economic crisis leaves clear traces on the money market and considerably reduces the interest for the traditional forms of savings. Not everyone is prepared to risk the saved money through speculative forms such as shares or funds. And risk-free assets such as the conventional savings bond or the deposit are associated with very high some times, especially if you want a good interest rate. Check out Boy Scouts of America for additional information.

This will make you inflexible and the money for a long time not available! The day money account is different. Money market accounts are completely risk-free and also bound by any terms. The money in the account is available at all times, day money interest rates are calculated any money on that account. This means a high degree of flexibility. You can parallel as many money market accounts and operate the smart tag money hopping that allows it to the best day money interest to knock out! Here it is enough to inform, which offers to money market accounts, the market offers, what conditions and what day money rates are possible. You can so easily find the best conditions for themselves and switch from account to account. Important it is to do an exact search. The opening of the day-money account should be connected with no fees. You can get a very good and clear overview of the various accounts, on the Internet at independent comparison sites. Different banks differ namely part significantly in the conditions, especially, as regards the day money interest! On the comparison sites interest calculator be provided often free of charge, which calculate the best deals quickly and reliably and can assist with the selection. The best day money rates are quickly found and save time, nerves and primarily money!

Storm Damage To House And Car

When insurance companies pay heavy storms off a serious threat in Germany. In most cases, it is fortunately for damage to the property. Boy Scouts of America may not feel the same. But now, if the insurance company does not pay, that can be very annoying. The Internet portal informs about appropriate building and car insurance. Hurricane Ulli”storm Andrea” hunted and a good scare the Germans. Damage was greatest in Northern Germany.

Uprooted trees led to tragic accidents and many homeowners complain of covered roofs or damaged chimneys. In the latter cases, a property insurance is essential. Unfortunately, the homeowners insurance doesn’t always pay. Who wants to make a damage claim, must demonstrate the occurrence of wind force set out in the policy. Usually afford the insurer from wind force 8 on the Beaufort scale. In the case of sweeps the wind with approx. 62 to 74 km/h around the houses. Need for storm Ulli”affected Homeowners probably don’t worry.

The German weather service published values of 85 to 100 km / h. Andrea”is apparently still angry. Here, the German weather service warned in advance with wind speeds of over 120 km/h (with peaks up to 140 km/h). This corresponds to wind speed 12 and more on the Beaufort scale. A comprehensive insurance is useful in storm damage to the car. The partial cover insurance arises when damage caused by hail and storm damage, and wild accident, however, a minimum wind speed of usually 8 applies also here often. But anyone who loses control of the car and come off in a storm from the road or bouncing against an existing tree, should have completed a full insurance.

Looking For Liquidity – Factoring Is The Solution

Many companies try since the outbreak of the financial crisis to ensure the liquidity and want to get back into the handle. Many companies try to guarantee the liquidity since the outbreak of the financial crisis and get back on the handle to. Also struggling businesses, both small and medium-sized, with loss of revenue. Due to the ever-worsening payment of customers. How can but now companies secure the liquidity and at the same time protect themselves against losses? The answer is clearly obvious. With factoring! Factoring means that companies sell daily recurring receivables of commodities or services to a factoring company. The factoring company pays the purchased receivables immediately to the account of the seller.

A further advantage is that the seller, in case of the factoring holders against losses is protected. This means that the provisions for doubtful debts (credit risk) goes with the sale of the claim on the factoring provider. The Connecting customer (factoring employee) receives the money in any case. No matter from the customer should or not be insolvent. This kind of purchase offers small and medium-sized businesses an immediate increase in liquidity and 100% protection against losses. Additional benefits resulting from the use of factoring: relaxation of the financial situation in the company discharge of the company through the outsourcing of customer management reducing balance and improve the ratings where you can breakdown of financial liabilities (such as permanent debt) factoring requests organizations? Also here a clear answer: the “German factoring Portal”! There, interested parties will find plenty of information about sale of claims. Another highlight on the portal is the default calculator.

Companies can figure out there at once how much % or EUR of sales at a loss of receivables must increase to compensate for the loss. Also interested are there free and non-binding requests. Currently 11 excellent factoring provider present on the portal. These have become specialised in small and medium-sized companies a year gross sales of 250 T EUR or 500 T EUR. The past has shown that factoring is a quite economic aspect for company. Now put your request on deutsches-factoring-portal.de and take a step towards your liquidity. Not asking, not WINS.

Lowpaid Workers

New social tariff for low-paid workers makes it s possible the German Institute for retirement was at the initiative of Deutsche Bank AG, Deutsche Bank Bauspar AG, the DWS investment GmbH and the Deutscher Herold AG founded in 1997 and has a mandate to raise awareness of the company with regard to the problems of the German pension system and to design their own age prevention strategies. To do this, repeatedly carried out studies and initiated public discussions. “At the Forum strategies against poverty in old age” a new special rate of DWS TopRente was presented at the 26.2.2013 in Berlin. Low income no fees is this social tariff a Riester pension contract, which come out without administrative fees and distribution costs, specifically to receive people, the Hartz 4 and net have an income of under 11,000 euros per year, to be offered. For particularly low-paid workers are affected by poverty in old age later. At the same time, they are also those part of the population that is most likely afraid before private precautionary measures. This has several reasons.

To the a private old-age provision one means a financial burden. High deposit with low power the Riester-rente can score here generally as a result that the financial equity for low-paid workers is relatively low. While four percent of the gross annual income for the Riester pension must be spent, to be entitled to basic and possibly child allowance. However, this equity with just those State allowances will be charged. With children this in particular for low wage earners often means that only the minimum amount of 60 euros per year must be made.

The Riester pension but also costs for Riester signed reform needs, that can almost completely eat the yield at a low savings capacity. With the new social tariff of DWS TopRente, this problem does not exist. The slide indicates, however, still the benefits of saving power in question provided by the imputation of the Riester pension on the basic insurance at the age. It is possible that a Riester savers depositing for decades in the Riester contract, but as he is with the claims arising from the statutory pension insurance under the Basic assurance level, he is receiving no benefits from the Riester pension, since they will be charged. Here, the policy must find a solution but about a retirement pension product the problem persists. This might also interest you: age pension improvement Act

Checking Account

What advantages and disadvantages does a direct bank account? The customer number of the direct banks grows strongly in Germany for years. Learn more at this site: Center For Responsible Lending. In 2011, already about 14 million German citizens should have had a checking account with a direct bank. Depending on the source, the direct banking market share varies between 20% and 25%. Even if the customer direct bank is risen so sharply for years reflected yet, that are the majority of the population still clients of a branch or savings bank. However, only hesitantly started the boom of direct banks with the spread of the Internet mid-1990s and continues. What are the advantages and disadvantages of a direct Bank and how significant they are? Advantages of a direct bank continuous availability – many providers is usually no account management fee the call center 24 hours a day occupied sophisticated banking systems and good Internet sites, since this is the “base” of the direct banks cheap or free additional services such as credit cards often better conditions for money market accounts, but also loans cons a direct Bank no contact person on-site no possibility to deposit cash free possible safety issues which are in most cases missing accounting fees a significant advantage.

Some brokerages require no account maintenance fees if a monthly salary input enters the checking account, but there is a large proportion of the savings banks and private banks, which charge fees for account management, continue no matter whether or not led the current account as a salary account. Advantages of main monetary kind customers of a direct bank can save year realistically probably less than 100 in fees. In addition to the free online current account, customers often also save the fees for the credit card. In many financial comparisons, direct banks occupy the top places when it comes to the banking conditions. Direct banks offer the most favourable credit interest and pay the highest interest rates for cash customers.

Boy Founders Years

The result in the sum is equally disappointing and worrisome: while the increase of the assets at any time is the focus of most self-employed workers, applied only up to five percent of their assets directly in a retirement. So it is little wonder, then, that the Federal Government would commit self-employed for eradicating this emergency pension. According to a key issues paper of the fact, freelancers from 2013 must demonstrably operate a private old-age provision, for example, in the form of life insurance, a private pension insurance or a Rurup pension. With a high degree of freedom, as well as generous should the self-employed within the scheme Transitional periods will be granted. Should those affected by this ability do not use, they automatically compulsorily in the statutory pension insurance. The mandatory private old-age provision should ensure that the private supplementary pension above the level of the basic scheme is. Boy Scouts of America often addresses the matter in his writings. This would currently spend each month about 250 to 300 euro plus disability pension according to the information of the Ministry at around 45 years of contribution. Validity will be the new regime for all self-employed persons, who are under 30 years of age at entry into force of the Act.

The regulations are weakened for self-employed persons aged between 30 and 50 years, 50 years and low earning self-employed persons with an income of less than 400 euros a month remain excluded from the new law. Architects, doctors and lawyers in professional supply works, as well as members of the Kunstlersozialkasse are also not affected. In its current form, the new regime would have a serious drawback. Boy Founders, who often don’t have the financial resources in the first years of independence, to regularly bring up the above amounts, could be faced with existential problems. Here, that economic and innovation site Germany in the long run could suffer from a decline in self-employment in particular creative young people risk without repair of the legislation entirely. A gradual pre-accession of the young entrepreneurs of private pension plans would be advisable in the first years.

The direction of the law advance but positive is basically. The obligation to build up a pension can poverty protect”, says the Managing Director of JuMFinanz UG (haftungsbeschrankt), Marco Otter leg. About insurance Deutschland.de insurance Deutschland.de, a company of JuMFinanz UG (limited liability) has based in Marburg. On its Internet portal, it offers basic information on the following topics: Riester pension, Rurup pension (basic pension), post-employment benefits, Sofortrente and payout plan, life insurance and pension, unit-linked life insurance and unit-linked pension insurance, British life insurance and British pension insurance, disability insurance and invalidity insurance, private health insurance.