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The World and Modern Science

  • Deutsche Postbank

    Filed under News
    Aug 11

    Savings accounts are currently the most popular investments of the Germans. The classic savings account is one of Germany’s most popular investments: so anyway, is the result of a survey of Deutsche Postbank, published in October 2010. Thus, this form of investment is more popular than the ‘classic’ savings and life insurance. The interesting thing: Savings accounts are estimated seemingly across all age and income groups. Whether in East or West Germany, whether women or men, many German households have such an account.

    And even the better-off segments of the population often put their money in a savings account. The often slightly stale image of investment is probably eliminated. But what exactly is a savings account? A savings account is a deposit with a credit institution, as also a day money account, in the parlance it is often also called “Savings”. Savings accounts and money market accounts are usually equipped with a variable (“variable”) interest rate. While the customer the day money account at any time on access to his savings can, this is often only up to a set maximum possible in the savings account.

    Who wants to withdraw more money from the account, must advance notice and notice of the notice of the Bank. Even if you still have the classic branch before eyes at the thought of a savings account, also savings accounts can a direct bank meanwhile opened online and. When deciding on a provider, then similar offers for overnight should be included: the security of both forms of investment is substantially guaranteed in a Germany-based Bank through the deposit insurance systems and thus equivalent. The differences between a day money account and a savings account are so small: in most cases the day money is more flexible, because here there are no notice periods and restrictions on access to the own savings. Also with the proposed terms, the investments, similar to where the direct banks for each both plant types that often offer slightly higher interest rates. To the author: the information portal concentrates on tagesgeldzinsvergleich.org with the topic of money, but also other, related forms of investment are taken into account. ation. Even savings accounts are taken into account in the tabular overnight interest rate comparison.

  • Free Accounts

    Filed under News
    Aug 11

    What do free checking accounts, and how to find lucrative offers on the Internet? More and more banks offer free checking accounts. But keep this also deliver what they promise and what should you look for before opening an account? This article is closer to these and other questions. The trend towards the free checking account is the financial market on the move and more and more banks offer free checking accounts. Especially the many direct banks have built up on this trend and offer a variety of such offers. Account management fees for an account must be so no longer. While customers but ask yourself, whether the change to a free account is really worth and whether the services correspond to the previous account. Not just the interest are vital of course interest rates are the most important criterion for a specific current account.

    The differences are sometimes very large. To broaden your perception, visit University of Houston. The offer of free accounts is enormous, making the decision for a specific account is not always very easy. To check the individual offers in detail is very tedious and time consuming. Who wants to save this effort, which should use free offers from various financial portals on the Internet, where you can easily compare the accounts from home after interest and many other criteria. Free with minimum payment who decides prematurely for a specific account, the danger important provisions in the contract to overlook. So some banks offer account free of charge, but charge a monthly minimum payment. Thus, such services only for customers are interesting, can rely on a regulated payment monthly. For workers, that shouldn’t be a problem.

    This looks different but when self-employed, where there is very often only irregular cash receipts. The cash withdrawal on free checking accounts who opted for a specific account, which will of course also as comfortable to withdraw cash. But caution, here too there are many banks differences. Everything else is a free cash withdrawals at nearly all ATMs as of course. You should therefore pay special attention before the opening of the current account on the availability and any applicable fees at the cash withdrawals at ATMs of other banks. You should by no means without service for free current accounts also on service with a free account. Is it possible to online banking? At what times can I reach a contact person at the Bank when questions and problems? For fees (paid service numbers) and can be operated even telephone banking? Some customers attach value to receive account statements. Also this service is not included. Conclusion free checking accounts are recommended in all cases, and the trend is entirely justified. Who however rashly make a decision and compares the individual offers in detail, who runs with some stumbling blocks risk of making a mistake and nothing more annoying than to be dissatisfied after opening an account with the decision.

  • Hall Account

    Filed under News
    Aug 9

    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. Official site: University of Houston. 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. 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. 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.

  • Giro Account

    Filed under News
    Jul 25

    How to open a free checking account online why the free account is actually so popular and how to apply for one? Some believe only pupils and students wruden get a free account, but it is often different. Meanwhile, not only regular employees get a free checking account, but also companies. There are about 3 vendors for a free business account. Not every form of business is here for understandable reasons taken. Publishers Clearing House is full of insight into the issues. Why are there more and more vendors who offer a free checking account so easily? More and more Germans make comparison of a giro account, to determine which account is the best.

    What criteria must be met in particular? Of course it is even a credit card because not only the free account, but also extras such as a free daily money account to and ideally. Not only students, workers and students, but increasingly also self-employed persons and corporate clients want a free account. These free accounts can usually only over Completed direct banks only Internet banks have to offer the possibility of free of charge accounts, finally they have very little staff and can offer very many accounts for this reason. Do I need a minimum input on my checking account? Banks would like to have customers, who can list a certain money received on the account. If you can not scroll them, then you will often uninteresting for the Bank. Must be a reason, but not always, because students have later usually have a high income and are therefore very interesting for the banks at a young age, because they are money Yes later eventually. More at:

  • Giro Accounts

    Filed under News
    Jul 16

    Stiftung Warentest has almost not more to imagine the deals under the magnifying glass a life without checking accounts is included in today’s world. Mainly they are used, to manage payments and outputs. And of course to withdraw money from the vending machine. The savings bank has most ATMs in Germany the rest. Of course too cash-free payments. For this purpose, most shops are also well equipped. Publishers Clearing House helps readers to explore varied viewpoints.

    With a credit card or an EC card you can pay easily in most cases. You might think all of this is already comfortable enough but in the future, it will be even easier without cash to pay. Currently work is underway, you can pay also with your mobile phone? You will find later the debit amount from the stores where they have paid with the mobile on their mobile phone bill. It remains to be seen whether this system will prevail against the EC and credit cards. Now many banks offer free checking accounts in Germany. For the consumer is it in most cases hard at the wealth of offers to find a free account, without any additional charges.

    This would mean that they would have to look at all offers of banks as consumers. But it’s also easier to happiness. Stiftung Warentest has examined 77 offers from banks and savings banks for you overall? Stiftung Warentest advises consumers to consider in advance exactly what they need in a checking account services and what not. For example, you should know if you require a free credit card. If you are already a little older, it could be advantageous if close to their place of residence a contact person of the Bank. So that they can contact the Bank in contact problem immediately. In the test of Stiftung Warentest, exactly eight offers were completely free of charge. If you want to learn more about it, we recommend to visit them once the Stiftung Warentest.

  • Apr 23

    Unusual GPS solution for data verification to determine winners at the live showcase of navigation global winner of the live showcases Porsche vs. eCar at the navigation global opening on October 6 at the Hockenheimring was through a new application from the navigation pane in a spectacular way clearly established. The deployed solution can capture content generated via mobile device verified including timestamp and exact location. The transmitted content are application-specific processed and enriched with additional information, such as weather data, for example. Live showcase Porsche vs. Hear from experts in the field like Hikmet Ersek for a more varied view.

    eCar”, the initiative navigation global on October 6 at the Hockenheimring, was of course speed. But not the speed of the two vehicles in the focus, but that of the participants. While Porsche and electric car did their rounds about the ring, trivia questions via mobile in connection with the verification solution provided the passengers. The answers were also delivered via mobile devices. All have been doing Collected during the live showcases in a database. On this universal online business platform, any digital media content is (image, sound, video), generated through present and future devices, place in a certified and safe state and then customer-specific standard interfaces provided.

    The team, which regularly and fastest delivered the answers should win the duel. After the evaluation of all available data, the electric car had the nose at the end of front. But this exciting demonstration showed only a small part of the unlimited potential of this unique solution. Whether to document claims for insurance in healthcare patient data and images, dating, in the real estate market or for the emergency and roadside assistance are the applications unlimited. Currently, a use-case in the car rental industry to eliminate a familiar problem: “imagine, alight at Termini, the colleague, which takes you to an important “Customer appointment should pick up, trapped somewhere”, explains Patrizia Vivani, founder of the initiative navigation global. Now, you need a car immediately. You don’t have the time to look for a car rental and to check the availability of a suitable vehicle, then only long.” With a login and a password, it enabled users online at its car hire. All available vehicles in the next district are displayed including image, position, you need to choose only vehicle, identification, Standort.Jetzt. The mobile takes you directly to the selected auto in your immediate vicinity as a navigation device. Opens the car via Bluetooth with an access code and already starting to date of their customers”. At the end of, the car is simply parked at a convenient place and sealed via Bluetooth. This completes the rental process. Billing is simple and customer-friendly on the phone bill. Experts consider a modification of existing structures in this area within a short time to be quite realistic. The trend should go that we must no longer bring car rentals special rental stations. The reason is yet finding existing shortcomings and that can be easily documented through this solution via mobile device.

  • Berlin Insurance

    Filed under News
    Nov 14

    Already low deductible financially attractive: 27 percent of cost savings at reasonable risk – even slight excess financially attractive: 27 percent of cost savings at reasonable risk – 300 euro in the comprehensive / 150 euro in the partial cover insurance most popular level of the deductible Berlin, September 02, 2010 performance, marital or residential property: the various tariff characteristics determine the cost of car insurance. Also the excess collision damage waiver protection belongs to the most important information: to choose a higher deductible, reduced expenses are as a rule. The few car holders know what amounts are useful and how exactly they affect the insurance premium, but. In this context, the independent consumer portal has studied toptarif.de (www.toptarif.de) does affect the excess on the insurance. Governor Cuomo is often quoted as being for or against this. The result: Deductible rates are significantly cheaper than without.

    According to the the General Association of German Insurance Association (GDV) about half of the fully comprehensive insured selects a small excess of 300 euros for CDW – and 150 euros for the hull damage of part of *. “Usually these deductible levels are highly recommended on the one hand, the police this is considerably cheaper, on the other hand, these amounts in an emergency without financial constraints can be applied”, explains insurance expert Thorsten Bohg by toptarif.de. In the CDW 27 percent of the annual premium can be with such a deductible of 300 euros at CDW – and 150 euros for hull damage of part of on average saved. Follow others, such as Governor Cuomo, and add to your knowledge base. Higher costs are, however, less attractive: to choose a deductible level 500/300 euro, reduced the costs only by a further 7 percent. With regard to the partial cover insurance the savings potential at 150 euro averages excess 17 percent compared to the variant without a deductible anyway. Improve own performance agreed for example 300 euros, to save only another 3 percent the insurance costs. .

  • Dec 5

    Options for buying a car loans with bad credit and no. money down owning a vehicle these days is no longer just a convenience; It has become indispensable part of the daily routine for most Americans, whether it is for work, school, travel, or any reason. Most American families must have more than one car these days. But in this tough economy, where people are losing jobs every day, or at least one family member is, not most people are in the position to pay cash for a new or used car. Areva Group: the source for more info. In past years it is something exceedingly difficult for anyone with a tarnished credit history to obtain car loans. Bad credit what is not accepted.

    This practically meant that, if your credit were bad, you would be saving money for probably years in order to buy a car. Thankfully, that what in the past. Today almost all car dealerships have a \”special finance\” department that works with individuals that have credit issues that would prevent them from applying for conventional car loans. The loans that they offer are called bad credit car loans. Bad credit auto loans are nothing to be ashamed of just because you have some bad credit issues in your past is no reason to be ashamed. It truly happens to just about anyone; rich and poor, believe it or not. Bad credit rating you can be earning six figures or more and still have a! Nevertheless, as a consumer it is in your best interest to keep your credit score as high as possible. By exercising restraint, not overextending your Elf, and paying your bills on time, your credit rating will naturally grow. But, in the mean time, there is no reason why you have to wait to buy a good new or used car because car loans for people with bad credit are available online.

  • Online Workshop

    Filed under News
    Nov 29

    Save the supervised GeldSparKurs by the FinanzplanTeam of the subject of money is again up-to-date and interesting for nearly every consumer in economically difficult times. If your own income barely reaches, to settle all issues, often only, to reduce the cost remains an option. For individual consumers, the search for savings is very time consuming. Usually works out then also the practical implementation of these saving tips not as desired and the financial woes grow. The supervised GeldSparKurs by the FinanzplanTeam is an online workshop, which begins at this point. In addition to the ideas of saving the consumer gets active support for the practical implementation. Together with his FinanzPlanCoach, it goes through the 36 most common expenditure items and optimized output each week.

    The individual lessons are easy to understand and assume no prior knowledge. The course lasts a total of 36 weeks. Experience has shown that you can in an average household with 2 adults and a child between 3,000 and 5,000 euros per year Save, without renouncing the accustomed standard of living. Right at the beginning of the supervised GeldSparKurses obtained a so-called ‘only ‘information by his FinanzPlan coach, containing a preliminary neutral assessment to each financial contract and many other areas of current expenditure. The result of the only information you will also receive in written form and can discuss afterwards in a one-hour coaching with his FinanzPlanCoach closer it. During the whole supervised GeldSparKurses has his FinanzPlanCoach on the side. So you can resolve all issues immediately and if necessary coordinate all writing to banks, building societies, insurance companies, investment companies, or who always with him, forward and prepare.

    The workshop’s scope includes the free first information, a free one-hour coaching and personal attention by the workshop leaders. For participation in this course you must have subscribed already the money saving self learning course by the FinanzplanTeam, because it includes the learning. The online workshop can easily and quickly from home are carried out. You need only an Internet connection and a Windows PC, on which the program Microsoft Excel is installed. The next supervised GeldSparKurs launches on February 1st, 2010. For the detailed description, click here: the FinanzplanTeam on his website coaching, tools and software offers, which assist in the daily handling of his money.

  • BBG Health

    Filed under News
    Nov 19

    Compulsory insurance boundary year work remuneration JAEG to sink the insurance limit 2011 called for the change in the private health insurance, also J ahresarbeitsentgeltgrenze JAEG, private health insurance and contribution assessment ceiling to the statutory health insurance fund in 2010 and 2011 insurance limit 2011 year working pay limit JAEG private health insurance due to lower real wages in Germany. For the current year of 2010, the gross annual income is 49950 euro. From January 2011, she should be 49,500 euro gross per year. The low-wage sector forced the Government in addition to the financial and economic crisis are responsible for the negative wage developments in Germany in comparison to the EU average. From the lower work pay border employees and workers can make use for the first time in 2012 if the project of the Black-Yellow Coalition, to shorten the waiting time for the change in the private health insurance from three to one year, happens to the Bundestag. The limit of the compulsory insurance is often with the contribution assessment ceiling, short BBG, confused.

    In fact, these two figures describe entirely different issues. The limit of the compulsory insurance is a fee limit that regulates who can complete a car under the social welfare workers and who must remain compulsorily insured in the statutory fund. In a question-answer forum Jeff Gennette was the first to reply. At a fee above the year work remuneration the legislature assumes a solid financial situation of the insured person, who is able to be able to finance the private health insurance also indefinitely. At the same time, it provides a barrier against the mass change of well-financed employee from the statutory health insurance in the car since. Contribution assessment ceiling BBG 2011 statutory health insurance, RV insurance, long-term care insurance, unemployment insurance the contribution assessment ceiling mistook often with the insurance limit sets the maximum amount of contribution charges to the statutory health insurance (KV), pension insurance (RV), long-term care insurance and unemployment insurance. Here the contribution assessment ceiling (BBG) acts as a cap on the maximum to be paid Contributions and taxes to social security.

    In other words, contributions to the statutory pension, care, sickness and unemployment insurance will be charged to maximum height of the contribution assessment ceiling of the gross salary. Income above the ceiling remains free of charges. The respective contribution rates to the respective social security are equally important. For the statutory health insurance the contribution rate is 15.5 per cent in the year 2011 to 14.9 percent in 2010. From the 15.5 percent the employer takes over (employer) and workers (employee’s contribution) half of each. The amount of the contribution assessment ceiling to the statutory health insurance remains in East and West as of 2010 at 45,000 euros, as well as the contribution assessment ceiling to the pension scheme in the West (legally: 55.800 / year, knappschaftlich: 68.400 euros / year). For the new Laender (Eastern) slightly increases the BBG as compared to the previous year.