Yalnizca

The World and Modern Science

  • Mar 4

    Tagesgeld enjoys through rising interest rates again on increasing popularity overnight is again popular in favor of investors. This is mainly on the rising interest rates and the many special shares offered by the banks to Exchange happy investors. The best example is the Bank of Scotland currently any new customers a starting credit of 30 euros for the opening of a day money account offers. To attract new customers, the banks also set free additional services for savers: so you get at DAB Bank, in addition to the day money account, a free account with free moving services for the existing depot. Now more and more banks offer so-called guarantees for their day-money offers. The investor is guaranteed a minimum interest rate for several months. Thus, financial institutions make it much more attractive to design their day money products for savers.

    In addition to the flexibility of a day money account, the investor receives the security of a guaranteed rate of interest? In particular the doldrums at the time deposit can be many investors more place on the day money account. After the SWK of Scotland have lowered their interest rates on the deposit Bank and the Bank, now the VW has tightened Bank and reduced the interest rate on their fixed deposit product. The interest on the deposit are currently so and before investors set their money now for several years at a relatively low interest rate for several years, he can remain flexible with a day money account and daily have his money. Especially if it is by rising interest rates, the day money account is ideal to park his money first and later at better interest rates in the long term to apply. While in the fixed deposit interest rates are falling, the day money by raising interest rates, fixed interest rate guarantees over several months and special promotions can score. Also for months strongly rising interest rates in the money of the day prove that comparison the financial crisis seems to have finally been overcome.

  • 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:

  • 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. .

  • 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.

  • Economics Seminar

    Filed under News
    Dec 20

    (nm) Dr. Werner financial services AG organised a day seminar on mezzanine capital to the Bank independent SME financing on 06.03.2008 in Nuremberg for the umpteenth time. High number of participants (32) in Nuremberg the remarks by Mr economic attorney Dr. Horst S. Werner as presenter of Dr. Werner financial services AG covered topics starting with the current market situation, equity and the typical mezzanine financing to the bearer bonds. The practical raising of capital for businesses, the placing on the market and the sales took a wide room. Dr.

    Lutz Werner gave the participants informed information about the different measures of the Federal Ministry of Economics and technology. The support of the Ministry of range from the ERP capital for establishing corporate ERP capital for sustainable corporate growth to ERP loans to medium-sized guarantee societies to the indirect promotion of the middle class. Numerous suggestions were the medium-sized Entrepreneurs take, as they can in addition to the traditional bank credit and bank-independent financing to equip your company with additional capital. “” The event was rounded off with the lectures by Mrs Kirsten Winkelbach, CEO of beclever Werbeagentur AG, on the topics production of the prospectus documents “, in particular the legal consequences at incorrect graphical implementation, and Nicolo Martin, project manager of the financial portal Emissionsmarktplatz.de”, on the subject of solutions in the field of marketing and financial communications “. The seminar dealt with legal and actual problems and challenges of independent corporate finance, was above all an exchange among the seminar participants in a seminar-integrated practitioners workshop.

    Target group of the seminar were entrepreneurs, financial service providers and consultants interested in the Bank-independent financing companies (www.finanzierung-ohne-bank.de) as well as an exchange of experiences among themselves. Good event for very low fee”the event was described by participants as attractive. The seminar participants rated the seminar as exemplary. The seminar is very high quality and interesting, for a one-day seminar are presented the most important information and chapter and excellent, high expertise of the speakers were only some of the consistently positive comments of the participants. Great interest on the part of the participants signaled a continuation of seminars by Dr. Werner financial services AG. The next seminar takes place in Gottingen, at the Clarion Hotel, on April 23, 2008, from 10:00 to 17:00. Entrepreneurs who are interested in further seminars, can contact in an email to Dr. Werner financial services AG or otherwise come in contact with. It can also further topic proposals. Nicolo Martin

  • Apr 10

    For many customers in retail stores, it has long become everyday life, to participate in the cashless payments. For many customers in retail stores, it has long become everyday life, to participate in the cashless payments. Easy, comfortable and safe, normally the cashless payment option offers decisive advantages for the customers as well as for the retailer. For the customers at the supermarket checkout means of cashless payment transactions but also a claim to the security of its map data in the comprehensive sense. Debit card or credit cards have become the best and most secure means of payment and include in the comfortable payment transactions as well as the traditional payment with cash. The waiver of the payment with cash requires a high degree of safety and trust of all stakeholders. However, it is often forget what technical requirements make the payments with plastic money. For the customer, it is a simple process.

    Insert the card into the Terminal, check the payment amount, Enter the PIN and confirm. Then run the electronic processes of reconciliation with the account-keeping Bank and the payment process is completed for the customers at the Terminal. For the security of this payment process are different characteristics, which is matching by the customer with the input of the personal identification number or the signatures on EC or credit card and proof of payment is completed. For the technical process in the business include more. In addition to a card terminal of the new generation with appropriate registration and exact functionality and the cashier with the receipt printing on the old cash register rolls, especially the security also for card payments is important for retail. While even the recent reports of the media about credit card fraud and misuse of data in debit cards are always in the focus of security efforts of the retail and manufacturer and distributor of card readers and the corresponding terminals.