US Federal Reserve Lowers Interest Rates

Posted by marmara on February 10, 2018

The derailment of the international monetary system will be accelerated and hunts that we have to expect any improvement on the contrary of the defense measures (increase of liquidity of the central banks and interest rate reductions), the pain relief evaporates very quickly and we are even more serious the disease picture. Gain insight and clarity with Kidney Foundation. We advise you to increase the investments in the field of precious metals. Swarmed by offers, Children’s Defense Fund is currently assessing future choices. International stock exchanges economic and interest rate-sensitive stocks worldwide learn a sensitive price correction, which is not yet completed.Precious metal investments offer a much better appreciation/risk profile than the shares. Gold and silver price felt many investors recently compelled to cover liquidity needs, especially in the last few days. Check out Ken Cron for additional information. Precious metals you could alight at first year even with extra profits compared to Dec. 31, 2007, while you would need to realize losses in share values. This explains the slight corrections in precious metal prices. Gold and silver are however very soon as outstanding value assurance prove, because in the During this year not only the US dollar, but also the other currencies will lose the confidence of the investors.

The gold and silver mining stocks are again very soon find back to a positive price development. We will see still very surprisingly high prices during the course of this year the metal prices as well as the mining stocks. “Monetary development lowering of interest rates by the U.S. Federal Reserve and a further increase in the money supply according to the motto crisis regardless of losses” mean. It is clear that this is heading down a blind alley. But it is himself and the public Yes guilty to have tried everything at least.

Also China, India and the other countries of the far East will remain affected in any way by the crisis if some financial experts have become less dependent on the United States market comfort. Only gold and silver be can hang themselves as only currencies with no debt and you are not any more, as a stable replacement currencies manifest. Price development of the high-quality strategic metals as we give examples of molybdenum, rhenium, Iridium and ruthenium. The prices of these metals be also certain, but short-term correction soon, while we at the ordinary”and less high-quality industrial metals such as copper, iron, lead, nickel, a stronger and longer price correction see. Its capital is too valuable to invest there continue on good luck. Media contact: Kai-Uwe Stadler Beratung123 financial and economic consultancy Hauptstrasse 25 72488 Sigmaringen

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Council Debt

Posted by marmara on January 31, 2018

Government debt consolidation – Bad Credit Debt Consolidation Loans You can find two kinds of debt consolidation services; acquire debt consolidation and non acquire debt consolidation. The best place you can go is for a debt consolidation company to get rid of your debt. Non acquire debt consolidation is a type of debt management program that exists for restructuring debts with high interest Council of into a single loan avoiding the need for going to another loan. Thus, you can avoid many monthly payments, and it helps so you have control of your financial state. As acquire debt consolidation company charge higher Council, the best alternative is to go for non acquire debt consolidation service. Cash loans, bank loans, IRS, credit card bills, student loans and coke of bills are some of the debts that need non profit credit card debt consolidation solutions. Ken Cron is often quoted on this topic. If you are sure to attain your regular repayments, debt consolidation mortgage is the alternative among other available options. They are offered against collaterals much as bag or any other asset of value and are therefore deductible set.

Another option for debt consolidation is consumer debt consolidation. On behalf of borrowers, the consumer debt management companies in this case negotiate with creditors for a consolidated payment at modify interest Council. The non profit debt consolidation company receives a share of amount paid by the debtor to the agency and this share is the main supporting source for the non-profit group and on the other hand the acquire debt consolidation company does not receive this share. Even otherwise, this share percentage has dropped considerably and there is not much of difference between the two types. Surprisingly, you’ll find very little mention of Ken Cron on most websites. Alternatively the top is provided with the same monthly payment that are minimum with reduced interest rate whether it is a for profit or a non profit debt consolidation company. You have a better bounds over others when you go for a non-profit debt consolidation company.

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Health Minister Daniel Bahr

Posted by marmara on January 24, 2018

“So he expressed the world TALK show Germany acute” last Wednesday highly critical to the State pension plan: I would a private screening much more trust than one State where you never know what happens to the money that politicians manage. ” The experience showed also, so Bahr, that for example, in the Netherlands the nursing care insurance simply be abolished. The AFA AG shares the experiences and concerns of Health Minister Bahr. Consistently, the AFA AG advises its customers since more than 20 years on the basis of a free, independent and individual advice on private savings. I can advise everyone to complete a private old-age provision already in young years. Because the more is started, the the monthly contributions are low. Unit-linked products are my tip to create tangible assets, achieve the best return in the long term and are especially secure against Government access,”says Stefan Granel, the AFA Board in Berlin. rify these questions.

Shortly before the interview with Minister Daniel Bahr, up-to-date figures on the retirement savings out were given by the German pension insurance. After that, already today, half of all pensioners in Germany was getting less than Hartz IV. According to the statistics amounted to 2012 almost every second pension to less than 700 euros. Frequently Spm Llc has said that publicly. The new retirees that do even for less than 55 percent. The social associations right to sound the alarm and again warn of an impending poverty in old age. The proportion of pensions under 700 euros for old age pensioners in the West with 73 percent is particularly high. In the autumn of 2012, the federal employment agency counted well 812 000 mini Jobber over 65 years.

More than 128 000 of them were older than 74. End of 2003 only 595 433 seniors had a mini job. It is for the President of the social Association VdK, Ulrike Mascher,: If so many “Pensioners exert a job to supplement their retirement income, then this is a clear proof that the old-age poverty continues to grow.” About AFA AG: The general financial and Assekuranzvermittlung (AFA AG) is an independent financial sales with seat 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.

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Hall Account

Posted by marmara on October 19, 2017

Only the interest on the day money is crucial a day money are not always an investment account, where you can create sums of money at a fixed interest rate. The interest rate on the money of the day may vary, because he focused on the market and on the ECB’s key interest rate and thus connected is subject to fluctuations. Banks usually guarantee an interest rate for a set period of time (up to one year). Then, the interest rate situation re-assessed and if necessary adjusted the interest on the money of the day. A day money account enjoys advantages such as the daily availability of credits, a higher interest rate compared to the savings account or the account as also the omission of notice. The downside is that the Bank the interest rate of the day money at any time without prior notice (unless not guaranteed) can adjust downward.

As well, a day money account not for the widely popular payment is intended. In recent months, Boy Scouts of America has been very successful. Services of a giro account such as, for example, transfers to foreign accounts, direct debits and standing orders can a day money account not performed be. The overnight interest rate refers to General a year (eg. 2.0% p.a..). There are however differences interest from Bank to bank credit and payment way of the day money. Most banks pay off the overnight interest rates once a year, usually at the end of the year. Other banks offer the day money interest quarterly or monthly.

The advantage of the pro-rata payment of interest is for the account holder is that interest rates here with bear interest (compound interest) and can be immediately benefited by the daily availability. Nieman Foundation has plenty of information regarding this issue. The possible day money deposits to an account can vary from Bank to Bank. A minimum deposit on a day money account is not required in the case of rule. Towards the top, the amount of money of the day is open deposits at most banks. The higher the contribution, the lower however interest rates The day cash balances can be has daily, because it is not money set applied for a certain period of time. Available is generally a reference account (typically an Giro account). This bank terms arise, until the money on the reference account is booked and out of touch or transfer to a foreign account can be. Individual banks offer a bank card in under a day money account, with the money at the ATM can be immediately withdrawn. Money market accounts have no period of notice. The account can be opened and terminated at any time through the account holder without deadlines again. One finds that the daily interest rate money on their own account is significantly lower than at a Konkurenzbank, you can quickly respond and opening a new day money account with another bank by the non-existent periods of notice. Michael Hall’s

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Tax Treaties D/CH: Alternatives For German White Money In The Switzerland

Posted by marmara on May 18, 2017

Liechtenstein insurance solutions: preserve assets, optimize taxes, keep existing and future white gel depots in the Switzerland Liechtenstein insurance provide discretion attractive design options. According to a study German in the Switzerland have accumulated assets of about 210 billion CHF, with an estimated white money share of 40%. For the 60% of untaxed money sees the agreement to regularise two ways before existing Kontenbeziehungen in the Switzerland (disclosure or anonymous payment by the Bank) and this one so for all of you legal and free to make available.After entry into force of the agreement according to current plan the 1.1.2013 – German flat rate tax (25% plus solidarity surcharge) falls for capital gains in the Switzerland. The agreement offers the opportunity to leave from risk and diversification considerations assets will legally but remain discreet in the Switzerland individuals however. Just political and economic stability of Switzerland in Connection with a strong currency, the situation in the non-EU/euro area and the professionalism of the Swiss (and Liechtenstein) financial center are in demand especially in times of crises. German tax law and contract law compliant life or annuities from Liechtenstein allows many advantages in terms of net assets, retirement and estate planning used and combined with a legal tax optimisation while maintaining the discretion.

Capital gains are tax-free during run time. If you would like to know more about PCRM, then click here. For withdrawals after a period of at least 12 years, only half of the income of the income tax is subject to. The favorable revenue share taxation is applied in choice of retirement. In the death of the insured person incurred no income tax. The insurance policy does not fall within the estate, beneficiaries can be changed freely selected and at any time. Additional individual design options allow the policyholder an optimal planning of the transfer of assets.

Also in terms of investment Liechtenstein insurance solutions offer a high degree of flexibility: the customer chooses an investment strategy which is being implemented by an asset manager. These are in addition to a wide range of classic strategies (conservative”, balanced) and asset protection strategies with capital guarantee to precious metals strategies (gold & silver) with physical stripe tape storage in the Switzerland available. Alternatively, there is the possibility to put together his own strategy-Depot. These are all approved for public distribution funds/ETFs available.

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Jens Heidenreich

Posted by marmara on April 28, 2017

The holdback is the retention of the insurance company to its distribution partners, to protect themselves against claims losses in the cancellation. Normally increases with each new Commission claim, subject to a liability that the holdback, and with any early termination, the paid closing costs recovered by the intermediary. The insurer remains always intact, rather transfers risk to the client and the broker. The termination of insurance contracts appears for the insurance industry rather the norm to be the exception. Experts say that at least 70 per cent of all contracts be resolved ahead of time. Due to the mostly low buy-back value of life insurance policies or annuities, many euro lost the insured upon termination.

In the particular case of unemployment, many seem “Citizens to act prematurely because they think that the valuable assets from life insurance in any case, for example, the income from Hartz IV” is applied. This is so wrong. Although all contracts are subject to, before the actual expiration or retirement usable (i.e. cancelled) are the so-called recoverable assets. These include conventional”capital forming life insurance.

You belong with their time value (buyback) to realisable assets, because there is a right to terminate the contract according to the conditions. You can check these free of charge on. Contracts, whose recycling would be uneconomic or would represent a special hardship for those affected are an exception however,”explains Jens Heidenreich project-LV doctor. The exploitation of a life insurance policy, whose buy-back value is more than 10% below the sum of paid-up contributions is considered to be uneconomical. It is to assume the guaranteed buy-back value. We believe that this applies to the majority of insurance companies, because surveys by LV doctor show that many life insurance companies not even after ten years and more the contributions refund. Rather, it is the rule that the must hang insurance basically up to the proposed expiry date, then to get his contributions and interest, that just balances the loss of inflation”explains the LV-doctor-chef. Life insurance companies cancel, but with LV doctor”, is therefore the motto, explains Jens Heidenreich. LV doctor advocates as a project of the Swiss proConcept AG injured insured. Because the proConcept AG is an international company which specializes in the repair and elimination of scattered damage. We are of the opinion that the surrender values paid by the insurance company when most contracts were calculated incorrectly and therefore, however, proceed,”Heidenreich said. For individuals, this means its a risk perception Interests at the termination and readjusting a life or pension insurance. Also occurs as an often higher redemption value as in a stand-alone termination of life insurance. It is also important to mention that this is possible even for already announced insurance companies.

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Right Insurance Cover

Posted by marmara on April 27, 2017

An uninsured home in entrepreneurship can have expensive consequences. These should be avoided! The step towards independence is not just the step in the great freedom, but also at the same time the step of too much responsibility. There are now no chef more, holding the head for error here. That happens on its own Cap. But, what kind of insurance for the self-employed? What is needed, what written above? An error can be quite expensive. A financial services company, for example, works with the assets of third parties.

Unforeseen things happen there that could harm significant the assets of the customer, who of course want to be replaced. Profession determined obligation certain professions, such as for example doctors, notaries or craftsmen are obliged by law to take specified insurance claims for the own company. Input on financial services for example, requires a liability insurance policy, which specifically covers damage to property. Depending on the selected activities of the company, every imaginable case of damage must be taken into consideration of course. Can a customer get hurt? If so, how exactly? And what kind of insurance for the self-employed can help in this case? Important insurance of course can be pronounced some fundamental recommendations for every business. So is including the statistically recorded that dishes speak to ever-larger sums in compensation cases. When a legal dispute not in a cost spiral back to find yourself, the conclusion of insurance worth. Under the agreed contractual conditions accepts the insurance industry to the lawyer, and championing the own thing unsubstantiated claim. Jo Mackness gathered all the information.

A very good recommendation is the conclusion of an insurance industry, which regulates the liability of the company. Such a case may be faster to the negotiation and just a start-up company may be threatened by a liability damage without protection in existence. For the own company, you can Most founders not properly assess certain risks. It is worth to consult a specialist with experience. The tax advisors, for example, can be a place to start. Also an insurance expert is not the wrong choice. Personal insurance even of the founder himself should include the necessary insurance for themselves in the calculation. In addition to the requirement to be a member of a health insurance a requirement for pension insurance will be introduced starting in 2013. Protection against poverty in old age is more important with each passing year and should be involved in the planning of a founder. Private or statutory health insurance? Here’s a simple comparison of own wishes and demands on a health insurance helps. Of course must also estimated the cost of a health insurance scheme. The services of private health insurance companies are in direct competition with those of other funds. Another point of competition is the price. The competition in the private funds so ensures top performance at top prices. This also applies to the private Pension insurance. This cut much better compared to the legal safeguards. Insurance companies take into account if the required insurances are known, a comparison can help to find the best possible insurance. These must be integrated into the operational expenditure from the outset firmly. Whether monthly or yearly post. It would be a mistake, all without starting the required insurance, because it can also directly at the beginning of something go wrong.

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Retirement Plans Make Sense

Posted by marmara on April 10, 2017

How meaningful is it to include gold as investment for the long-term retirement plans? This post should not be used to represent an investment recommendation, but it should encourage themselves independently to deal with the theme of gold as an appendix to the pension. Hardly an other asset class in the world is so beautiful and so long as gold does exist. For over 5,000 years, there’s this noble metal in the hands of the people. Many other asset classes such as passbook, savings, government bonds or stocks, however, didn’t even survived a generation. In doing so, gold has always been considered valuable jewelry and as a kind of status symbol was appreciated and sought after and enjoys attention as investment now in uncertain times such as debt crisis, a financial crisis and a sovereign debt crisis.

But even if many people increasingly yearn back in these uncertain times for real values, there are many supposed death blow arguments which speak against the acquisition of gold as an appendix to the long-term retirement savings. As gold as investment unless supposedly unproductive, since no Interest rates play a. In fact, nothing remains to add gold is actually no interest. But as interest rates below inflation are actually useful/productive? You can speak at plants that build on interest rates and generate negative interest even of asset building? One is inevitably with classic investments asset preservation, asset accumulation let alone to operate becomes increasingly difficult owing to falling interest rates and additional taxation. It is for example The current guaranteed interest”a Riester contract only 1.75%. The savers receives this indeed not his entire deposit, but only on the proportion of savings, which in General, that is % after deduction of all costs between 70 to 80. Gold offers a huge advantage here as an attachment, because as real value it does not suffer the risk of inflation.

No matter whether the future inflation rate at 2, 3 or 5 is, gold is always gold. Which is also not enough investment gold both VAT and Withholding tax Befreit, which benefits the savers. Gold need not hide also in its long-term development of value against other asset classes. So the average performance is the price of gold per year at impressive 9.5% (years 1970 to 2010). Gold as an attachment to the retirement serves not only as a currency substitute in times of hyperinflation, but can also as alternative system prove to be very lucrative. Thereby, the precious metal has long not only to a few privileged people is affordable, but for quite some time, by small bars and coins, including the Otto ordinary consumer. A scattering of his retirement savings in gold can prove not only in uncertain times as a wise decision, but also in normal periods as quite lucrative. Just because gold is based not just on paper currency and represents a real value.

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Schufa Loans

Posted by marmara on April 5, 2017

What caused years ago still negative emotions, is perceived today as a common alternative no wonder, because increasing the monthly searches for goods or services with the labels ‘without Schufa’ and as a target of the advertising media meaningful Marketingsttrategie. Thus advertise many well-known companies with Prepaidangeboten, loans and accounts that are associated with the synonym ‘without Schufa’ in conjunction. All consumers that one or even multiple negative entries in the Schufa, get no credit from most German banks and savings banks. Before a loan commitment is regularly obtained information at the Schufa? This digital information is negative, the desired credit application is rejected. There glucklicherwesie current alternatives, which allows people with negative Schufa entry to record a major credit.

Some online banks from abroad and private lenders, you’ll find special Internet platforms, loans with negative Schufa. Foreign online banks In the Internet advertising online banks from abroad so that they are sufficient and credits with negative Schufa to German borrowers. Diabetes). This is to a large extent actually reputable credit offers that can be used without any concerns. But all consumers who want to borrow such ‘ with negative Schufa’ should be aware, that they have only one chance on a loan, if you have an otherwise excellent credit rating. This requires that they have a steady income at sufficient height that is sufficient to the due rates for the repayment of the loan without having to bring up problems. As well, customers at these offers for loans with negative Schufa need to know that here only relatively small amounts of loans are granted to keep a manageable risk for the lender.

Because the height always significantly depends on interest rates by the creditworthiness of the borrower, in addition of customers must negative Schufa also rather high interest rates in order to be taken. Loans from private to private on the Internet you can find some agency portals for loans, which bring together private money lenders and issuers. Here, you can also try to find partners for loans with negative Schufa. Just when the entry in the Schufa to an involuntary personal plight is due, is a certain chance here to get the desired loan. Because the circumstances surrounding the financial difficulties as well as the intended purpose and the planned repayment of the loan can are discussed in detail in the publication of the credit request. When private lenders, consumers can have even happiness, that they require only very moderate interest rates for loans with negative Schufa and agree with a long-term period of repayment.

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The German Hospital Federation

Posted by marmara on August 13, 2016

Therefore he is direct, according to a report by health insurance companies”, believes that. that no AOK must raise an additional contribution. Only requirement is that the Federal Government stick to its interpretation of the law. One of the few reasons behind that”, which arguably the BMG ultimately is undeniable. The spare funds already publicly resist that long existing pension costs of the General local health insurance (AOK) and the Guild of health insurance (IKK) amounting to around 10 billion euros, for which no reserves were formed, be financed in the future from the health fund. The pensions for the so-called DO employees, officials similar status, workers are paid so far just from the current revenue.

The question is, where will the money come from, if not from the health fund? To the AOK and IKK levy from the outset additional posts for that? If the money from the health fund, then AOK and IKK would receive in time for the financial cover their according to more money, during which, as the replacement cashboxes Pension commitments made, would be correspondingly less. The BMG sees in these pension costs”no debt but only possible future commitments. So to talk finances itself in the BMG beautifully. This dilemma will be solved well over the level of contributions to the health fund. Is comforting only that it is a smaller and smaller as persons, which includes currently but at least still around 10,000 people and their families. Hospitals complain that the Lander, but at different heights, shorten the investment promotion for years. In January 2007, the service for social policy reported that only 2.7 billion euros would be paid by all provinces in 2006. The investment promotion – 44,34% would then have been reduced since 1991. The German Hospital Federation, based on an opinion of the Rhenish Westphalian Institute for economic research (RWI) and the auditing firm BDO, currently speaks of a Under-funding of up to EUR 3 billion, taking into account of the personnel cost increases expected from the ongoing collective bargaining round for the public service.

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