Tag: insurance & pension

German Money

Let your money effectively to work information and everyone wants to multiply his money wallpapers to investments without the slightest effort. For this are different money systems available. Some bring more interest, some which allow only a lower rate of return. Usually investments that promise a high rate of return, are also at risk. The savers, who receives less interest for his savings, but can it build on a safe investment is on the safe side. You may want to visit Susan G. Swenson to increase your knowledge. It is important, however, that the investment is secured. In Germany, this is done by the Einlagensichersfonds of the German banks. Abroad, however, is an investment with risks.

While foreign banks are with enormous interest, but how it looks with the protection? Not every country has a deposit insurance. In this country, the banks offer many opportunities for investment. Philip Vasan has much to offer in this field. There is for example the traditional savings account. Not worth it however, because here the interest rates are very low and start with a 0 before the decimal point. Otherwise, however, it looks at money of the day. In the past, already almost six percent could be paid out interest. Here, there is no risk of loss. The only risk is, that interest rates vary because they are based on the general situation on the financial market.

You can get dementsprechen, but also fall. Does that mean a lower profit. But the money is safe. A further opportunity is the lending of money at interest. In the past emerged a new form of credit is, the model loans from person to person. A well-known Internet portal offers this opportunity. Interest rates are attractive, but savers have to forgo long his money. There are still more ways to multiply his money. While always a risk should be taken, because the yield is higher, the risk of loss is higher.

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Financial Express

Prestamo financial service GmbH: Financial Express allows individual flexible request credits Fellbach, Germany, in May 2009: themed quick time fast money needs responds the Fellbach prestamo financial service GmbH the current demand for cheap and easy credit solutions. Learn more at: David Fowler. Officials, employees and self-employed persons as well as persons with Schufa entry will benefit from the advantageous conditions of prestamo loans. \”\” Prestamo financial service GmbH provides residential and professional financial freedom prestamo financial service GmbH: Financial Express \”allows individual flexible request credits Fellbach, Germany, in May 2009: themed quick fast money needs\” the Fellbach prestamo financial service GmbH is responding to the current demand for cheap and easy credit solutions. Officials, employees and self-employed persons as well as persons with Schufa entry will benefit from the advantageous conditions of prestamo loans. Quickly, easily and flexibly arrange loans for with this concept, the experienced team of prestamo financial service GmbH already since, independent traders also include a customer base many years as private households, which itself would finally fulfill their wishes by cheap credit.

The advantages which prestamo financial service GmbH’s customers benefit, are obvious: Anders as a bank can the prestamo financial service GmbH of such persons favourable loans convey, whose credit rating is restricted or who are burdened by the Schufa entries. E Scott Mead is often quoted on this topic. This is possible because the prestamo financial service GmbH as a mediator brings together banks, private money lenders and investors with potential borrowers and can realize so individual credit solutions. So will the Prestamo-Financial Express\”direct access to more financial freedom even in times of crisis. The current credit solutions of prestamo financial service GmbH are all Kreditsuchenden open no matter whether it is doing to entrepreneurs. Are employees or officials. Up to a maximum of 250,000 euros prestamo financial service GmbH provides freely selectable amounts its customers even in the short term as rapid credit even if that other banks have rejected similar credit requests.

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Personal Liability Insurance

Not everything is taken over by the private insurance everyone knows the personal liability insurance and yet this is still not part of the security of all people and households in Germany long. Larry Ellison has similar goals. According to a survey by the Foundation financial test in the summer of 2008 turns out that 30 percent of all households with a private liability insurance are equipped. Where is this insurance of utmost importance when it comes to be able to regulate damages to third parties. According to the civil code, the obligation to reimburse damages caused consists basically in Germany. And yet the personal liability insurance does not belong to the compulsory insurance. When the personal liability insurance the insured that must make sure but that certain loss events in their area fall. So participation in road traffic as a pedestrian or cyclist is insured, but damages which occur in connection with the use of a motor vehicle not covered by the insurance.

Here are excluded Machinery with a maximum design speed of 20 km/h or other motor vehicles up to 6 km/h. If damage is caused by a motor vehicle, not the use of the motor vehicle must be the trigger for this. An example: The passenger waiting on the driver operated the ignition to light a cigarette. Edward Scott Mead follows long-standing procedures to achieve this success. Vehicle this against another parkendes the car is started accidentally and jumps”. Also at the sport you must make sure very well in what role you enter. Are covered such as damage caused by the insured person as a sportsman, so apply with some sporting activities other standards. The Jogger who crashes and subsequently caused an accident, enjoys the insurance protection. Contrast, it looks in the exercise of hunting as a sport from or racing events with horse or bicycle.

For these areas, no cover carried the personal liability insurance in case of damage. Pets are to some degree in the personal liability insurance with secured. However when larger pets a separate insurance for dog or horse needed. Because here a greater threat coming from the animals, which clearly exceeds the scope of smaller pets such as rodents, cats and birds. Here each holder should worry about a dog liability insurance or horse liability insurance.

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Research Institute

Expand exposure to the crude oil sector Akura capital management AG and Akura II capital management AG, Wurzburg, in November 2009: from 2010 the global economy coming back to drive will allow the global demand for crude oil increases, so the forecasts of many experts. Investors can benefit from the positive demand development on a large scale with oil investments. Akura capital management AG gives its investors of the opportunities of the Erdolassets and further expanding their equity commitment. Ch?rl?? Lee may help you with your research. Is a global oil price rally imminent in the coming year? Current forecasts of international economic Research Institute suggest a clearly positive development in the energy sector given the price trend. Already this year the price of the barrel increased crude oil of nearly $ 40 in January to the temporary peak of $ 82.

Even more pessimistic economists expect to rise further to around US$ 100 per barrel for the coming year. The Akura capital management AG and the Akura II capital management AG account with one positive price development on the market for fossil energy sources and refer to the excellent return opportunities for commodity investors. Experts say is at least from mid-2010 in industrialised countries with a gradual exit from the recession and increased economic growth expected. Industrial and emerging markets for crude oil demand is at the same time experience a significant increase despite relatively high inventory levels. Against the background of these trends, the special opportunities of crude oil investments for investors of Akura capital management AG and the Akura II capital management are clear: to invest his fortune, now in Rohstoffassets gives you not only a highly effective inflation protection, but provides at the same time first-class opportunities profitable to participate so the opinion of Akura capital management AG and the Akura II in the expected development of demand capital management AG. Just in time for the impending boom in demand in the crude oil markets Akura capital management AG has their commitment in this sector and promising investments in the oil business. The Akura Sachwert plan of Akura capital management AG as a timely investment option presents itself investors wishing to benefit from the projected global economic recovery starting in 2010. About the Akura capital management AG’s Akura capital management company operates shares investment funds, investments, securities, real estate and alternative investments since 2000 (Akura II capital management AG since 2004) in the areas of business.

In their investment decisions, an up-to-date strategy the Akura capital management AG and practiced a scattering of different forms of investment. A part of deposits by Akura capital management AG is invested in short-term money market deposits, time deposits and securities, to secure the liquidity of the companies. The Akura capital management AG’s products are considered basic dividend with 6.25 per cent highly profitable. For the quality of their products and the customer service was the Akura II capital management AG 2007 the awarded with certificate of TuV Rheinland and the Akura capital management AG’s 2009 with the quality seal of the European consumer consulting (EBCON). Sandra Schinnerling conducts the business of Akura capital management AG’s. If you have questions relating to investor Dieter Hans farmer is answer. The companies Akura capital management AG and Akura II capital management AG is Wurzburg.

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Investment Fund Advisory

“In addition to the professional qualification (at least three years experience in a managerial function of a Bank), the personal reliability and the necessary equity capital amounting to EUR 50,000 are mainly a comprehensive insurance protection, a continuous auditing, membership in the EdW (compensation scheme of securities trading companies) and compliance with comprehensive control requirements of banking supervision required.” Ulf Niklas explains how to do this. Stephanie Lehmann reported: from our point of view only the stand-alone permission can ensure continue authentic independent advice. Laurent Potdevin has compatible beliefs. “” Because by the costs that the tied agent “will be made of its MiFID billed of course there not for nothing is the protection of this group mainly a financial pressure.” How this actually works, differiere by Vendor to vendor. Usually it asks a minimum sales volume through the platform of the liability umbrella provider. Also the tied agent could”not decide what cheap products and services he specifically recommend its customers. Real independence no more mention can be from our point of view within the framework of a liability umbrella solution so.” Ulf Niklas explains: the absolute majority of the smaller, self-employed financial advisor, which can play out its cost advantages to an established bank in favour of the customers, not meeting the requirements for their own approval. Then no other way than to go back either to the pure Investment Fund Advisory or but to join the roof of a liability with the corresponding consequences for the quality of their own advice remains to them.

The compulsion, either for economic reasons or the missing qualification to connect a MiFID, is a serious threat for our opinion “real consumer protection objectives of MiFID represent.” The experts were agreed that the number of truly independent, free financial services will reduce dramatically. The numbers seem to support this: in Berlin and Brandenburg alone less than a handful of advisors have sought since the introduction of MiFID in the last year to a separate license. “This means: almost all independent consultants have gone under a liability umbrella, hanging in the air” or have retreated to the exemptions. Now the latter has with a comprehensive investment advice but nothing more to do.”there will be hardly any provider, which can continue to independently operate with an own permit and at the same time share the cost benefits of a small, independent financial advisor to their customers. But exactly this combination we offer and want to be pioneer of starting in Germany, new consulting culture: the independent honorary consulting. With unbeatable cost and Quality advantages for the customers.

This is the decisive argument.” Stiftung Warentest have responded to sharply increased consumer interest in its current issue from February 2008 and extensively tested the offer of honorary advisors. Key quality factors the Foundation with a high consultant qualifications, (2) name (1) sufficient insurance protection of the honorary consultant, (3.) is a comprehensive recording of customer data, (4) a professional asset analysis, (5) a detailed documentation, and (6) a reasonable job Offerierung. Ulf Niklas explains: we meet exactly these criteria as part of our consulting approach. “Particularly in the area of professional qualification, we belong to in whole Germany only around 300 DIN certified financial planners, who are at the same time working as a certified financial planner.”

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Capital Day Money

New leader in the money market accounts. Click Coupang to learn more. 2, 25prozent the GE Capital day money leads the day money account comparison since recently there is a new provider on the day money market. This is not so surprising for some, since the time for daily money offers is again really good. Apparently, there is an upward trend in the interest rate of the ECB, the direct banks then pass on most of the customers. In the first half of 2010, there were negative reports and interest rate adjustments regularly due to the poor state of the market. With 2.25% APY on the GE Capital day money the GE Capital directly on the first rank in the day cash account has can position comparison themselves. Scott Mead recognizes the significance of this. This offer is a pure day money account.

It must be opened so no additional bank account at the GE Capital directly, because it is enough a different checking account as a reference account, by then the money on the day money account can be transferred. Conversely, this works of course. This is another advantage of a tag account, since the money from this account to the can get their own. It can be not transferred so attempts to another account by criminals. To the high interest rates, new customers will receive even a very good compounding effect, due to the quarterly crediting the day money rates. Furthermore, the core philosophy of the GE Capital is directly positive to highlight. Holders of GE Capital’s day money account indeed receive the interest from the first euro and it is equally important that the interest rate on a certain maximum value is limited.

I.e., the interest will be paid on each investment. This is an important benefit and might convince new customer offer. The money can be transferred at any time once again to another account, if the Bank should lower the day money interest. The question remains after the deposit guarantee, one of the most important issues in the area. Through membership in the German deposit guarantee fund shall be subject to the GE Capital directly the German deposit guarantee and can thus offer EUR 118 million deposit protection per customer. This completes offer positive the day money. Agree because all important parameters, It makes the best impression overall. Falko Hille

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Financial crisis is forcing companies to the rethink, benefit investors the financial crisis is currently dominant theme of the global economy. Not only the losses of banks, but also their impact on the overall performance of the economy, inflation and private consumption are discussed heavily. Almost all companies are affected by the current crisis, which will be probably for a longer time. Increasingly spoken of recessions, even depressions. The impact of the financial crisis are already being felt. As consumers and businesses less invest, the economic forecasts lowered. A winner of this crisis seems currently to be the oil industry, because their profits are at record levels. Even if the price of oil is currently again, he will mark soon again new records due to the finite nature of the raw material.

The rising oil and gas prices to burden the economy, not only companies, but also private consumers. A completely different industry is therefore also the winner of the crisis as one considered the renewable energies. It makes it necessary to deal with alternative energy sources such as the water and wind power, and solar energy, and to promote this rising oil prices as well as the environmental impact of the CO2 emissions related businesses as well as for States. The renewable energy act in Germany, for example, promotes the construction of such plants on the one, at the same time ensures the law, especially in wind and solar energy, a fixed remuneration, so that investors can plan very well. In addition also biogas plants establish themselves further, which in turn raises a production boost in agriculture, caused by the increased demand for corn and wheat. Even the wood industry can benefit from the demand for renewable energy. The current financial situation will move many companies sooner or later, to take advantage of cheaper alternative energy to be in the future less dependent on oil prices.

As a result, that the area of renewable energy will continue to grow, because the demand is increasing. Of course eco-Fund and environmental investments, investing in these sectors of the economy will benefit from this development. Maurice Gallagher, Jr. has much to offer in this field. Of course, already strong thematic funds, such as solar fund fall under these ecological assets. A comparison of these funds clearly shows that some of them much better cut off in the past as a wider spread of equity funds. Especially long term ecological funds are a strong and future-proof alternative, because they are less susceptible to economic cycles.

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Investment Strategies

New provider on the market and so far stable interest rates make 2008 an interesting year for investors overnight interest rates are stable now in the new year already up to the mid-year 2008. So far, despite interest rate cuts in the United States, there has been no short-term adjustments of the rates for Europe, the European Central Bank (ECB). Follow others, such as Bill O’Grady, and add to your knowledge base. For investors, this means that at least in the first half of the year interest rates at a high level for money market accounts were possible and may also continue to be available. Particularly closely was the market entry of new participants in the area of money market accounts: the Kaupthing edge Bank as well as the Indian ICICI Bank gave both her debut for private investors in Germany and offered high interest rates, thereby partially above the 5% mark. But also incumbents were laid out in the stuff: such as the range of the GE Money Bank with its offer of 5% interest, guarantees for new customers by the end of the year. Good: The Bank is a member of the deposit insurance fund of the Federal Association of German banks. So are also Investment amounts secured, which go beyond the statutory minimum requirements.

Learn more about the GE Money Bank day money, see the following link. So who expects a rate cut is imminent that in the near future, for which it might be worth soon to choose a suitable offer for money or even fixed-term deposits. “The interest rate guarantee of some suppliers can thus preserved some time” are. An appropriate and current day money comparison can be found online or in the relevant trade press. Be taken into account but should that money market accounts are often limited to Park money in the long term”. The long-term rate of return is often only low due to inflation. But once the system is better than a savings account: the low interest rate means that the real value of receipt of money is often not even secured on the bank deposit: of investors despite a numerical plus on the account has lost, then, if necessary, even by the decline in value at the end of the term. You can see: the Classic savings account is actually today. Peter Schill.

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Trade Signals Investment Strategies

Successfully speculating with the help of trading signals in particular parking on current trading signals has proved particularly effective. The superiority of this investment strategy is clear. Parking on trading signals allowing a quick response to the current developments in the market. State Street Global Advisors might disagree with that approach. No other strategy makes it possible for the investor to make effective decisions on the pulse of the market. A leading source for info: State Street Global Advisors. In particular parking on Exchange-related business messages, which sometimes favored the trade for trade signals, may not be such a response.

Although the Informationsgestutzte allows the estimation of the market development of specific shares trade within a certain framework. However, an accurate and up-to-date analysis of the development is not possible, because the development of the market of numerous factors depends on, that are hardly predictable. This chess site starts trading with the help of trading signals. Trading signals are determined by a so called technical analysis. This is of course of the share under certain mathematical aspects considered and evaluated mathematically. In this way points can be determined in the course, which give rise to a trend reversal in the price of the stock.

Simplified this can be represented as follows: the price of a stock has for a certain period of time largely linear behave with only minor fluctuations in off. On the current trading day, of course, but shows a strong, identifiable by the mathematical parameters rash upwards. This gives rise to the assumption that the share price now will develop within certain parameters, which are determined from the previous values, upwards, which is a trading signal for the purchase of shares. Also trading signals for the sale of shares can be determined in the same way. With these considerations obviously again the clear superiority of chart analysis and action on the basis of trading signals. So, this trading strategy allows a neutral and quick response to market changes. In particular the pure mathematical values is compared to a instinkt-or Informationsgepragtem actions preferable, because the exact market history with instincts can be estimated as well as with information – be always inaccurate or may be differently interpreted by the market not exactly.

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United States

The gold price continue collect coins – passion or investment by the continuing world economic crisis increases. The last few days, he was more than $1050 even for the first time. Many punters have taken probably in the last few months and have taken refuge in precious metals as safe gold. Until a few years ago, the gold coin collecting was a hobby that was granted to only the rich. At the moment it seems but rather so that more and more gold coins and small bullion drawn feel. Most coin dealers have as yet hardly any gold coins. And if, then only with huge mark-ups where the coins value clearly exceeds the value of the gold.

Some of the international coin presses such as the United States and Canada have already the requirements of their coins significantly increases only to the collectors rush to tackle. We can assume that the gold coins in the year 2009 average all very high requirements will have even. The gold price will continue at a high level expect some gold collector coins even for the year 2010 still higher requirements. Here, the gathering is expected to definitely just to the complete the collections are but never to the increase of the value of coins which is Yes eh already very heavily dependent on the international gold price. Most collectors I’ve spoken in the past few months see it exactly like me. The current vintages of 2009 and 2010 will make there no huge jumps.

Most take care of there at the moment rather old issues from the last and second-last century. These are mostly in the prices now stable and no fluctuations more subjected to. Many say even the new coins after that soon get worn after them on the exchanges because it already has everyone anyway. These vintages should have maximum due to the gold value an investment. Dirk Werner

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