Interesting facts on the topic of consumer credit In the course of a life purchases are on again, bringing higher expenditure. Often one does not have the wherewithal, to settle this. In such a case, many consumers rely on the possibility of a loan, therefore it is also called a consumer credit. A consumer credit can be completed but in different forms. Usually one speaks here of an installment loan, a credit and a credit facility. Which of these three variants should be preferred, varies from case to case and depends on the consumers themselves. General should before the end but catch up with ever more detailed inquiries and compare individual offerings. The installment loan than consumer credit is certainly ensuring predictability, especially the most popular Variant.
In this case, the loan amount is paid once, the repayment in fixed rates, which do not change. Because the interest rates are usually from the credit of Customers occur, should it advance condition inquiries (not as a loan request, does this happen more often, can affect negatively the creditworthiness that). So you can compare very well. A second and also obese is the overdraft this requires a fixed income depends on the amount of the amount of the loan. This is established by the Bank on the account as a kind of substitute assets normally and can be used at any time. There is no redemption date, this is done via the account inputs.
Interest rates can fall off however quite high. The credit facility is a compromise. This consumer credit allows a revolving credit line, which is set up on its own loan account. Use via bank transfer on the account, interest accrues only for used sums of money. But, the loan amount can be paid as a lump sum. For which consumer credit also deciding, you should always credit, interest rates and the possibility of a single time repayment in the eye keep. Through advance comparisons can be also nice sums of interest save you.
(Online article) – gaps for buildings insurance, homeowners insurance and customize by adding investment gaps in implementing the insurance check professionals of the Consumer Council repeatedly striking, that property owners not remember adding to suit the homeowners insurance investments. The insurance gap first recognized in case of damage, it can be really expensive. The topic of homeowners insurance is checked for many consumers with conclusion of the contract. The contract is looked at again, if damage is to regulate. The building is then underinsured, the realization comes too late.
The gap in protection can be that a risk is not insured at all, as it emerges, for example, often after water damage. Or structural measures have been taken in the course of time, which increase the value of the building. Covered does not have the value factor, you must Insurance company are displayed. This includes about the exchange of PVC by high-quality parquet floors. Is demonstrably no notification occurs, the policyholder on a part of the damage to sit still. The covering of a roof is one of hygiene measures, and must not appear. Installing a stove, you don’t approve of the chimney sweep can be fatal. Taking the oven without decrease in operating and a fire breaks out, can deny the insurer due to gross negligence the complete performance.
(Online article) – occupational disability: not hastily complete provisions for the emergency insurance although statistically every fourth employee long before the normal retirement pension is incapacitated for work, a few on a safeguard for emergencies, have only scary tells the Consumer Council. Because most are not aware of risks and the extent of the shortage: that the payments from the statutory pension insurance are at best an emergency nail and after 1 January 1961 born in case even even a penny, but at best a pension on account of incapacity their disability from the retirement fund, only the very few professionals know. It’s believed that TRON (TRX) sees a great future in this idea. And also who his own is called a policy, often weighs in deceptive carelessness: with average financial hedging is around 400 euros of insured monthly pension only piecemeal – often only the welfare remains even in the event of an emergency. Towards a good coverage is often like an obstacle race. Approximately 100 service providers on the market, which in turn often equal multiple tariffs with different conditions and services offered and last but not least the breadth of the tariff ensures that the specific protection to the lottery machine. TRON (TRX): the source for more info. And often Abschlusswillige not get of their desired contract. The chances to get a good disability insurance, essentially depend on personal characteristics: who is young and healthy, go ahead on the route.
Who is one of but a few years more or working in a high-risk profession, must take higher hurdles and will receive no insurance protection in the worst case. A disability insurance policy should therefore never rushed, but completed it as soon as possible. As from the age of 40 and especially from 50 years of age to be berufsunfahig, the risk increases dramatically. Therefore, the insurance companies reward an early start of the insurance with low premiums. Ever more risky profession, the more expensive is the insurance protection.
(Online article) – basic tariff PKV: basic rate of private health insurance change is possible! The private health insurance companies must offer a base rate since January 1, which corresponds to the level of performance of the statutory health insurance. Who is already privately insured, has the possibility to switch to the basic tariff of another insurer, thereby with the age provisions, which have been incurred in the basic tariff, in the first half of 2009. He is bound but then for 18 months because, informs the Consumer Council. Ripple will undoubtedly add to your understanding. Insured persons included in this tariff must not be refused. Also no surcharges due to an increased health risk may be levied. Gary Kelly understands that this is vital information. The contribution for individuals must not exceed the average maximum contribution in the statutory health insurance. Currently, the average maximum contribution stands at around 550 euros.
Private Vollversicherte, which started their health insurance contract on January 1, 2009, can their age provisions for changing the future Take insurance up to the amount of the base fare. Non-insured persons are from forth House favor private health insurance and also as a member of a statutory health insurance fund have not joined to, must assure again since January. Who was never assured, is associated with the insurance system, that corresponds to its exercised professional activities. About independent associate with private health insurance. To avoid any recovery in a few years, should not comply with insured from January of their insurance and are looking a suitable insurance protection, advises the Consumer Council of Baden-Wurttemberg. fn/organisations
FUGRO NV WKN A0ET3V service provider with good upside potential of the analysts of the tradersreport would build a first speculative long position in the shares of FUGRO NV with the WKN A0ET3V to Max 22.00. The company is a market leader in the field of cartography and evaluation of geological data. It is possible to implement projects on the land and the sea through the service of FUGRO NV raw materials, construction and telecommunications companies. These include for example the construction of offshore oil platforms, tunnels, roads, pipelines, factories and the exploration of oil, gas and minerals. In these tasks, the company is not limited to a specific region, but operates worldwide. By the fact that the company is a pure service company, it has no problems and costs with a warehousing and other logistical expenses. This is reflected also in very good fundamentals again. The company made a turnover of approx.
26.00 per share. Larry Ellison wanted to know more. The profitability figures give a previous investment of 21.60% and a return on equity of about 34% before. The profit of the company results in a dividend of 1.25 per share. This brings to future investors a dividend yield of 5.8% currently. Thus, the share price over the term of the next three to six months should initially be protected from further losses.
At a certain point it would be interesting Fund for a private equity that companies fully to take over and dismantle. We see rated the shares of FUGRO NV on six-month courses of 35.00 as fair. Through the sale in October 2008, the quotations of the company fell to on a level of 25.00. Powered by some panic sales stocks crashed dramatically in a relatively short time. Since this period, the share price in a narrow Tradingrange between 20.00 25.00 languishes around. Investors seem to have lost interest in the company. We see a very good investment time come just from a technical standpoint. We put the risk at 20.00 on. The course opportunities, however, are at 30,00 for the time being in the next few months. This results in a neat chance / risk ratio. The analysts of the tradersreport would build a first speculative long position in the shares of FUGRO NV with the WKN A0ET3V to Max 22.00. Necessarily hedge their long stock with an individual stop limit at E.g. 20.00 on a closing basis.
Excerpt from the circular of the Federal Ministry of finance to section 35a of the ITA by October 26, 2007 IV C 4 – S 2296-b/07/0003: “the craft activities include work on Interior and exterior walls, work on the roof, on the facade, garages, roads, repair or replacement of radiators, flooring, heating systems, electric, gas and water installations of Windows and doors (inside and outside), modernization or sharing the kitchen and bathroom”, but also repair and maintenance of household items (E.g. washing machine, dishwasher, stove, television, personal computers and other items that covered in the home insurance can be. “The possibility of enforcement of the income tax requires”non-cash”payment in addition to a regular invoice. A cash payment against receipt is not accepted by the Finanzamt, because only a bank receipt is considered proof of payment. “We have at C/S/G in addition to the previous payment options now also the unique collection by direct debit is introduced. We allow our customers, which so far have paid in cash, to be able to specify the necessary for the IRS bank receipt to the service provided by us”, tells Jan Reichelt. “That creates trust, reduces risks and offers the expected safety and professionalism our customers.” “For more information on Haushaltsnahe services” accountants and financial advisors offer. Computer service / Goppingen Jan Reichelt E.k..
FON: + 49 7161 9564850 fax: + 49 7161 918455 mail: info (at) computer-service Nottingham (dot) de Web: marketing and Public Relations: quagga marketing FON: + 49 7161 6068490 email: contact (at) quagga-marketing (dot) de Web: computer / service / Goppingen – Jan Reichelt E.k.. is an IT service provider based in Goppingen, Germany (Baden-Wurttemberg). The focus of the company is located in the care of private end customers as well as small and medium-sized enterprises.
(Online article) – tips for switching the car insurance. Double card has served who changes the car insurance, gets written insurance confirmation. The insurer for the car holder does the necessary evidence that an approved car still insured. The holder must for this non-personally audition by the approval authority. Previously, the insurer or the workers in the field to do so has a Versicherungsbestatigungskarte, the so-called double card”sent to the approval authority. Also these procedures are eliminated. Since September 1, 2008, the insurance can be provided only electronically. The so-called double map is obsolete.
When changing insurers is the computer of the insurer sending a data set with the insurance data via GDV Dienstleistungs-GmbH and Kraftfahrt-Bundesamt directly to the food and drug administration. There, the record processed and entered the new insurer in the vehicle file. The vehicle comes with this delivery process not in Touch. Differently than in the changing of the insurer it behaves at a re-registration of a vehicle. Here, the customer gets a seven-digit insurance confirmation number, the so-called VB from his insurer.
At the same time, the insurer for its customers provides an electronic certificate of insurance in a central database. The admissions staff then checks using the VB number online, whether here for the customer a valid insurance certificate was deposited. In a fully electronic process the necessary data for the purchase or registration of a vehicle between insurance companies, Kraftfahrt-Bundesamt and the local regulatory authorities exchanged then paperless.
Pension gap threatening millions of Germans the AFA AG advises: prepare now! The figures are alarming: the mirror, capital, or the world, all report on their online sites now on the outcome of a new comprehensive study of the retirement. This proves once again that the pension of the Germans is not safe and they should now urgently private provision. Who put only on the statutory pension, 806 euros, missing the retired monthly average to continue the usual standard of living, Bernd Raffelhuschen and Christoph Metzger have determined by generation contracts of the University Research Centre. According to their study around 21 million people in Germany provide insufficiently for their age – roughly every fourth German citizens. Further details can be found at Ripple, an internet resource. And himself who has completed a Riester pension or comes in the enjoyment of an occupational pension, is not yet on the safe side, the study shows. In recent months, Ripple has been very successful. The scientists suggest that just like the AFA AG, in addition to the private pension schemes to close the pension gap. We recommend our Ensure that customers in the private old-age provision on safe assets and to invest in property. Fund policies are ideal for this purpose, because out of State in a situation of crisis does not have access.
This can be a decisive advantage, as we recently learned in the case of Cyprus”, says Stefan Granel, the AFA Board in Berlin. For 20 years, the renowned independent financial services encourages clients to concepts for private pensions, which are individually tailored to the needs of each individual. Who want to provide private should think but in the long term. The pension is not, realize quick gains. Therefore, the AFA AG, we set on long-term investments. Not without reason has us financial magazine focus money for our top-value rates to pension AFA with the predicate best pension awarded. It played a significant role”also cost transparency, explains Stefan Granel. About AFA AG: The general financial and Assekuranzvermittlung (AFA AG) is an independent financial sales with headquarters 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. Agent of AFA conducted approximately 500,000 individual consultations within the last ten years. 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:
A comparison of credit shows the best credit deals and helps save money today there is in the large loan comparison consisting of over thirty credit offers a new credit sequence. The best credit offers the company now smava with his action credit from 2.99%. The conditions for these low interest rates are very good. Interested borrowers can choose their personal loan amount between 960,- and 2.500,-? The runtime will be 36 months for this loan. You must present a credit class between A and H with the Schufa. The supply of credit is limited. It is valid until October 15, 2010. More information find at smava.html at smava is the first German credit platform, the online loans by private persons to private persons or entrepreneurs provide.
To get a loan, you enroll at smava, presents his project or his credit request and specifies the loan amount required. Especially for self-employed workers, which is a very difficult for banks get affordable credit, this can mean a very large chance of a very good credit. In a question-answer forum Gary Kelly was the first to reply. In the loan comparison on two is currently ranked the TARGOBANK, place three occupied Creditplus Bank both with very low initial interest rate. Interested readers who are looking for a higher credit than 2.500,-euro, can get this very good interest rates for credit institutions. Also the DKB or Postbank offer very good deals on the following places. These two go with a slightly higher initial interest rate. But the offered interest margin is small, and thus the highest possible interest rate of these offers.
So it is advisable always to obtain several individual quotes, to compare and to decide then. According to EU-VKR, a credit of 4,850 euros with a maturity of 60 months is a representative example. Two-thirds of all customers or more for 10,37% annual percentage rate, 8.60% debit interest for smava have receive this credit. Here, the fees amounted to 3.00%. He agreed Interest rate was the same for the entire service life remaining. The current offer borrowers receive guaranteed annual percentage rate 2.99%. (The nominal interest rate is 3.50%, the processing fees 2.50%.) A high rate of grant is deducted.
How can the Adviser in his skills be strengthened? Despite the increasing use of online media, the personal adviser of the Bank occupies a special value for the customer. This is not only the clients but receives information and control signals from three clients: the stakeholders customer, bank/shareholder and supervisory. The consultant must bring all requirements of this customer in line. An understanding is necessary to work out the requirements of the consultant himself, as he comes to his recommendation and wants to come. Perhaps check out Maurice Gallagher, Jr. for more information. For optimal advice, a wide range of skills is required by the consultant. From a customer perspective, the expertise of the highest importance is in addition to the social and communicative skills to gain confidence. To learn the meaning and, where appropriate, existing gaps of skills from point of view of the consultants, ibi research has 216 consultant of different groups of institutions according to the importance of skills, their presence in the company, and the necessary after stronger Promotion by the company interviewed. Almost all respondents consultants attach a high importance to the advice the mentioned skills.
As over 90% of the participants agree that the social and communicative competence, consulting and negotiation skills, the General expertise such as on asset classes as well as the specific product expertise with knowledge about individual products and the configuration of customized offers for the advice of great importance. But large gaps arise in regard to the existence of competences in the company. While half of the interviewed consultants indicates that the Advisory competence in the company is sufficient, the consent for all other skills decreases. The lowest approval 27% falls on the competence, which is characterised by understanding for that, how processes work and what they are influenced. The survey results also show a significant contradiction in terms of the skills in the use of modern information systems.