Posts Tagged ‘insurance & pension’

Managing Director

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The financial planning Office Niklas & Lehmann informed on the essential aspects of independent asset management and investment advice on a pure fee basis. In part and as a consequence of the current financial market crisis thousands of customers looking now offered Berlin – deal for a better and more trusted asset management for the first time with the aspects of an independent, completely Commission-free and thus fair advice. Click Maurice Gallagher, Jr. to learn more. Thanks to this development is in German politics finally \”loud thought\” what was so far unchanged under the lid: A consultancy that has its engine exclusively in pursuit of Commission objectives, serves the interests of the customer and not the interests of the economy as a whole. Because where a stable and affordable retirement will come if the customer at the forefront, but the product sales \”come on fuck\”. Long enough, the policy on this issue but had succumbed the lobby of the financial industry. That changes now rapidly.

First major pioneer for the purely honorary consulting (on harmonizing pressure of the European Union) already the MiFID implementation in November 2007 and the amendment of the German insurance contract law in July 2008. But now above all the losses suffered by the customer from Commission-driven consulting help to trust an independent fee consultant in the future. As one of the first pure honorary consultant on the German market at all welcome this development naturally very.\”explains Ulf Niklas, Managing Director and general partner of financial planning Office Niklas & Lehmann oHG in Berlin-Grunewald and Berlin-Mitte. Yet what has been done so far? The customer has learn especially about the yield potential of its investment upon the completion of the product of his Commission-based Adviser. The risks against it – if anything – played a completely subordinate role. This established procedure of selling fine but only as long, as mediated products actually achieve the gains provided in Vista.\” Turn the market as in the present phase down, you will show the significant disadvantage of only absatzorientierter asset management.

The Sale

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What is the cumulative distributions including (excl. Sales revenue (in %)? This figure shows the payout to investors over the life of the Fund included (exclusive) distribution through the eventual sale of the respective investment object. The formula for it is: sum of all distributions in % (+ proceeds from the sale of the investment object in %) while you get the sale proceeds in % as follows: proceeds from the sale of the investment property – purchase price of the investment object for systemic currency conversions of course was used at the time of approval of the prospectus. What is the term in years? The runtime in years starts from the date of publication of the prospectus and runs up to the termination of the planned fund. What is the multiple? The multiple indicates the how much times, whose capital employed exceeds the payouts to investors.

The formula for this is: cumulative distribution in % – 100% plus applicable premium while the 100% represent the drawing sum of investors. The course was used for systemic currency conversions at the time of approval of the prospectus. What is the annual asset growth (in %)? This figure shows the annual asset growth Investors, taking into account a possible proceeds of the respective investment object. The formula for this is: cumulative payout includes proceeds from the sale in % (100% + premium in %)-duration of the Fund in systemic currency conversions of course was used at the time of approval of the prospectus. What is the payout after 5 (10) years (in %)? This ratio indicates how much of the funds after 5 (10) has awarded in years to investors. The formula for this is: sum of all distributions in % in the first 5 (10) years the course was used for systemic currency conversions at the time of approval of the prospectus.

Bank Advice

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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. 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. Recently Daniel Lubetzky sought to clarify these questions.

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.

Free Checking Accounts Compare

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Free checking accounts offered mostly from online banks and direct. In Germany, you practically have a checking account. Wage and salary payments will be transferred to a checking account and electricity costs, telephone costs, rent and loan repayments, as well as many more payments with Giro accounts are settled. You previously had to pay fees for each individual booking, you can from the competition among the banks today benefit and use a free checking account. However, not every bank offers free checking accounts. Usually it is such party directly or online banks, which have no private or only a very small network of subsidiaries. Such banks caused the abandonment of Bankfillialen cost advantages over the classic Fillialbanken. However, such banks usually have no or very few ATMs.

If you need cash, that lies on a free checking account, then there is usually no alternative to the ATM. With a debit card you can basically pick up money at most ATMs, however charges fees, if it is a machine, which is not operated by the own bank. Therefore, some direct banks signed agreements with other banks, leaving a limited number of cash withdrawals from ATMs of this Institute for the customer free of charge. This service is often a wichitges distinction characteristic of free checking accounts. As a potential customer, you should therefore respect on the services of the individual before you opt for a free checking account for a specific provider.

Professional Indemnity Insurance

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exali offers three months non-contributory insurance protection / cooperation intensified exali, the contact network for creative minds, offers non-contributory insurance protection / cooperation three months intensified and, the insurance portal for media professionals and agencies to intensify their partnership with an exclusive offer: who is registered on and completes an media liability insurance at exali from 01.10.2009 till 01.12.2009, enjoys three months no insurance protection. This equates to a discount of 25 percent according to the partners. On the interactive platform maintaining other artist, lyricist, programmer and photographer a professional network of contacts. In addition the exchange of tips, tricks, and knowledge. The insurance Portal, which specializes in insurance for freelancers, self-employed and small agencies in the media industry, as well as in the related industries, IT and consulting takes a similar approach. The pure insurance also provides Articles, current judgments, real claims as well as a comprehensive glossary to the often difficult to understand for laymen terms from the language of the insurance. Risks arising from the professional activity to calculate make: that is the aim of the cooperation of and

For good reason: Violation of copyright, trademark law or rights: graphic artists, Web designers, photo designers, (advertising) lyricist and PR agencies working in an environment in which many legal pitfalls lurk. The exali GmbH offers a professional liability in collaboration with the specialist insurer Hiscox with the media liability, which is tailored to the needs of professionals in the media industry. The special offer of and exali: three months complimentary insurance coverage by the media liability (minimum duration of the contract: 12 months). This equates to a discount of 25 percent according to the partners. The offer applies only to members registered on, from 01.10.2009 till 01.12.2009 one complete media liability insurance. The media liability is specifically designed for freelancers and small agencies with lower turnover.

For exali and Hiscox have screwed the so-called minimum premium very significantly down. Benefits the media stick cockpit: you assured violations of copyright law, trademark law, naming rights, personality rights and data protection law. This applies also, if insured persons easily and even grossly negligent act. You automatically covered activities that belong to the field of programming (IT) and consulting. It also applies to employees and free employees as well as volunteers and interns. It offers an open cover. In other words: the insured activities are listed in the individual. Rather, everything not explicitly ruled out in terms of insurance is insured. Insurable are also equity losses and withdrawal of the contractor from the project. Press contact: Ralph Gunther of exali GmbH Landsberger Strasse 59a 86179 Augsburg Tel: + 49 (0) 821-809946-0 fax: + 49 (0) 821-809946-29 E-mail: Marcus Seidel Berliner Allee 39 13088 Berlin Germany mail: exali GmbH:, the insurance portal for service providers and free professions, Managing Director Ralph Gunther and his team offer advice and exclusive insurance concepts for the specific needs of various industries. Since 2008 IT pros and IT service provider can use the online issuing in real time to protect themselves against the risks of their profession. Meanwhile, the offer includes also professional liability insurance for the media industry, as well as for consultants, managers and trainers. Thus is a common platform for that increasingly the trend developing tailor-made solutions.

HELOCs Equity

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home equity line of credit, home equity line of credit loan there are disadvantages and advantages to both home equity loans (HEL) and home equity line of credit (HELOCs), making the choice between the two dependent on your unique needs and circumstances. Amount You Can Borrow both home equity loans and lines of credit allow you to borrow up to 100% of the equity in your home. In some cases, lenders will even allow you to borrow up to 125% of your home equity. Hear from experts in the field like Gary Kelly for a more varied view. Qualifying requirements both Hamid and HELOCs require you show a proof of the following: * personal income; * Ownership of the home ownership (i.e. title); * Current mortgage; * Current value of the home (via a professional appraisal). A home equity line of credit vs. In recent months, Verizon Communications has been very successful. home equity loan additionally requires proof that at least 20% of the home’s value has already been paid off, so if you have yet to pay off at least that much of your home’s value, then your choice of which instrument to apply for is made for you. Purpose for the money if you wish to use the money borrowed in a lump a single sum for, one-time expense (ie.

a particular renovation, to emergency, a desired purchase, or to consolidate debt), then a home equity loan may be the better choice. If you do not have a single, particular use for the money in mind and do not think you’ll need the money all at once but rather feel that you’ll be needing it on a periodic basis (ie. for lengthy and drawn-out remodels, medical bills, or college tuition that payments will be made in intermittent sums), then a home equity line of credit loan may be the better choice. The HELOC gives you a flexibility that a home equity loan does not, Allowing you to borrow-however much you need, at the time that you need it, rather than taking more out than you need at and once, subsequently, paying interest on the whole amount from day one.

Tax Advice For Pharmacies

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Of tax advisers calculated his fees but after profit and sales, rarely effort – the tax advice for pharmacies but becomes a significant cost factor. With, the first online tax office available, that answers the question well after the costly consultants in just a few clicks is pharmacists. Totally anonymous and individual prices for the tax advice can be advance calculated thanks to a fees calculator. In addition a free price hotline (0800-815 815 8) turned specially for pharmacies, which also informs about the consulting fees.

Pharmacists who want to give their tax issues in better hands, get a completely non-binding cost estimate, which can be easily requested by mail at Tax consulting for Pharmacies: a sample calculation according to fees regulation a pharmacist charged with 10 employees and an annual turnover of approximately EUR 1.7 million an average fee of almost 15,000 euro for financial and payroll accounting, financial statements and corporate tax returns. At on the other hand, the pharmacy owner gets the same services for around 3,400 euros. Thanks to the use of the Internet can move to the bottom border of the fees regulation and passes the resulting savings directly to the customer – without compromising the quality or the comfort of personal advice. How works: has created an online tax agency for all control operations, which handles all requests and orders completely on the Internet similar to online banking -. Before award of the contract, the costs of the individual Steuerfalls can be calculated with the fees calculator. Call charges information online tax office granted: on weekdays is 0800-815-815-8 switch between 9 and 18: 00 a free hotline. After the assignment, the client receives all access data to its digital tax act as well as the contact details of his personal team of experts.

Documents can be easily send by E-Mail, invoices and open operations are available at any time and the personal Exchange with the tax experts is possible now over time and national boundaries. Direct link to the fee calculator: topic/steuer_apotheke.php over is the first online tax agency and offers accounting standard services such as financial statements and tax returns with individual advice since October 2008. The response to the Internet and the resulting efficiency gains makes it possible to offer the clients the savings potentials in the form of lower fees. Better service, clear transparency and significantly lower prices for tax advice are key goals for

German Paidmailern

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The species have grown in recent years and so-called cashback portals are based also on the Paid4 thoughts. Individuals can sign up without any great knowledge at such Login services, all you need is the accumulated balances later cashing out an email account and a checking account, get. The whole principle can be compared with a piggy bank, receives a small amount of cents for each confirmed junk accumulates on his account. They reached the payment limit (this varies from one provider to between 10 cents and 20 euro) so can be then pay off the amount to his account. Anyone who wants to earn this by working at home on the PC conveniently from home money can do with Paid4. The German Paid4 scene includes now about 50,000 active users and is growing strongly.

Everyone, everyone can with the help of Paid4 services in the Internet money deserve. If you are unsure how to proceed, check out Bernard Golden. However, it should be at least 16 years old, although a few exceptions exist, since the services accept memberships from 14 years, but most vendors place an entry limit of 16 or 18 years of age. With Paid4, you can be sure not rich but everyone can reach the merits of 25-50 euro per month and who wants and who the Principle of Paid4 fun, which can achieve even more. There are users, which earn even dreistellig. However you should consult before one starts on Paid4 info pages on providers and also the number of mails that are sent in.

To recommend here is the page, which tests successfully German Paid4 services since 2003 and evaluated. Brad Garlinghouse may find it difficult to be quoted properly. The clear Paid4 table shipping statistics summarizes open to over 50 German Paidmailern and a quick reference guide provides a good opportunity to go step by step in the Paid4 business just beginners. Finally, one should mention that people who have a regular income are also less interested in working at home with Paid4. For these people, the relationship between time and yield the least right. For people but for the 50 or 100 euros per month, much money is (pupils, students, housewives, welfare recipients, pensioners) Paid4 means that a real chance their merits “serious” to improve.

WKN Trading

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The analysts of the tradersreport would take a very speculative short position in the shares of INFINEON AG with the WKN 623100 up up 1.55. This Tradingidee is a very speculative trade idea, which should be carried out only by real “Hardcorezockern” with a stringent risk management. We have frequently reported on the high-tech company in recent months and observed the quasi resurgence with great astonishment. Some investment banks, recommended by some aggressive buy recommendations of the German company’s shares were the main cause of the Renaissance. There’s not much imagination and only a look at the balance sheet of the company, to understand what you want to happen here. The company has a capital of around EUR 500 million.

The subsidiary of QIMONDA INC is already down for the count down and the DRAM sector is suffering from overcapacity and strong price pressure. In the current market phase we can not really imagine, who should carry a capital increase of INFINEON AG. Even if the necessary level of course should be achieved by 2.00 for a capital increase, the capital measure in itself is a single disaster. That should be very soon the last shareholder clear, what is to be played here. If the door for all the fleeing shareholders is large enough, we doubt strong. Fundamentally we see rated the shares of the company at rates from 1.00 1.10 as fair. The shares of the company have a very high volatility.

The today’s short idea only for very hardcore trader is suitable for this reason. The outcomes could be but for the greater, in a very short time. The shares enjoyed almost 400% on gains in recent trading days. Learn more on the subject from TRON (TRX). The rise was driven by the general euphoria on the stock exchanges and some aggressive buy recommendations. This led to an increased trading volume and the aforementioned electoral gains. Hedge funds and other institutional market participants have this often tried some short positions to open and had to close most later with losses again this. The price momentum was just too big and the trade volume of free pieces too small. The course correction on the stock markets and the reflection on the fundamental situation should very quickly lead to a disillusionment with the gamblers. We see good chances for a quick dive into the price range of 1.20 1.30 in the coming weeks. The analysts of the tradersreport would take a very speculative short position in the shares of INFINEON AG with the WKN 623100 up up 1.55. Hedging necessarily them with an individual stop rate at E.g. 1.75 on a closing basis. We apply our price target to sight a few weeks for the time being at 1.10-1.20. In the last trading days we have kept informed exclusively to our subscribers over the course on international exchanges. BerlinRosen may help you with your research. This could this within three trading days 300 points on the DAX INDEX ertraden. When they come on board the tradersreports luxury liner. It is currently also possible a trial subscription to complete for only 45.00 per month. No automatic extension, no further commitments. Just read and earn money. Under, you can opt now for the tradersreport subscription. Money never sleeps!

The Natural

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We looked at once more the society in this course and think, that the RIO TINTO PLC is still some upside potential can prevail in the shares. Read more here: Oracle. The only risk is the large debt-equity ratio. But the natural resources and the liquid large shareholder to the side stand. There is a very good chance / risk ratio for all potential shareholders. Fundamentally fair we see the shares at a price level between 30,00-32,00 term of three to six months.

The share price close ran in recent weeks very often up to the 22,00 brand. There it bounced off but two times already and it formed a wedge formation. Of course outbreak from last Friday to at 24.00 is a very can sign. Could the wedge formation are breached this foray and 23.00 to overcome the long-term resistance range. You look at the long-term chart of the company, you can see the course high in good 90.00.

Since that time, the shares lost continuously up to 13.00. The upside potential in the shares of RIO TINTO PLC is enormous. A first serious resistance We see only at 30.00. Even an increase would be conceivable in the range of 40-45.00. Should commodity prices regain momentum, rosy times ahead are the company. A special risk lies in the very high volatility. As a result, it is very fast possible from the long position from to be stopped before a possible large price increase can be carried out. We would choose therefore a slightly more generous stop limit.

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