Helen Stratford

The issue of pensions is currently on everyone’s lips, because who earns less than 2,500 euros, danger of the poverty in old age. This is at least the result of a study which has been Ursula von der Leyen in order. The Federal Labour Minister so advises every citizen to a private pension. So far so good. But the uncertainty on the issue of retirement is great. Finally, another study of the Finanzwissenschaftlers has Andreas Oehler on behalf of Bundnis 90 / Die Grunen “-parliamentary group recently revealed: 50 billion euro lose investors every year in Germany alone, because they were given wrong advice or you sold them inappropriate products for old-age provision.” So the question remains: which are the right products for a private old-age provision, and can I trust really on this issue? Franz j. Herrmann from the Federal Government, which recommends e.V. for the retirement savers international conservative equity funds in the case of a fund policy.

Thus Bestatigt.der independent expert the concept to the retirement of the AFA AG. The financial services provider headquartered in Cottbus and Berlin has been established for 20 years successfully on the market and advises interested parties free of charge and without obligation to the subject of private old-age provision. Who want to provide private should think long term. When the pensions it comes not to make quick profits. The AFA AG therefore from the outset abandon risky Fund investments such as, for example, ship funds and closed-end real estate funds, we always carefully check our offer for long-term yield, reliability and stability. Not without reason the financial magazine has focus money our AFA top-value rates to pension the predicate best pension awarded. It played a significant role”also cost transparency, explains Stefan Granel, the AFA Board in Berlin. The AFA AG’s customers will also benefit from the independence of the company.

In contrast to other financial advice is required no financial or insurance company AFA AG, but advises absolutely independently. The System business of AFA AG can access just like brokers in the market as a whole and accurately filter out the right product for each customer. But even the best product is often not good enough for us, that’s why we develop with the leading companies of special solutions. Many of our insurance and pension solutions transmitted exclusively via the system business of AFA AG. As wholesalers of different companies we are improving the conditions, lowering the price “, so Stefan Granel next. Bottom line: Who really wants to provide, should not simply trust his bank Advisor, but necessarily independent advice and abandon risky assets that promise a quick buck. International conservative equity funds in the case of a fund policy are the right solution to the long-term asset accumulation. 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. Gary Katcher may find this interesting as well. 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.

2007 US growth is weakening. But the courses inspire strong consumer spending, corporate profits and falling interest rates. Digital cameras for children, I-pods, or the new Sesame Street Pupe Edris-are the sales hit according to accountants Ernst & young for the Christmas season. Buzzing the paragraph: the Americans spend 6.5 percent more money than in the previous year and the good situation on the labour market take care of consumer mood. This message can use the U.S. economy. Tony Parker: the source for more info. Due to falling real estate prices and weak car sales currently wields strong headwind: according to opinion of many economists is slowing the growth of 3.3 percent in 2007 to two to 2, 5 percent in 2008.

But a recession is not to worry about also because the Central Bank operates. For 2007 we expect that the U.S. key interest rates by 125 basis points decline”, said Jan Hatzius, Chief Economist at Goldman Sachs. Read more here: Ken Kao. This would make shares compared to fixed-term deposits or bonds more attractive, and lead to a strong price rally. Skeptics expected to the collapse of real estate prices plummeting consumption. But the Americans not deteriorated so far in panic. Over the summer 2006 sharply lower gasoline prices contribute, according to Goldman Sachs to consumers in 2006 around $90 billion spending saved.

Job-seekers in the land of rags and millionaires will also find slightly new jobs: the unemployment rate is at a low 4.4 percent. Investors also put their hopes on Federal Reserve Chairman Ben Bernanke, not to war small consumers in the U.S. and robust growth in commercial real estate. Also, the financial professionals are optimistic: in a recent survey among more than 100 portfolio managers almost two-thirds of the participants described themselves as bullish. At least one-third of all respondents see the leading index 2007 the record mark of 13 000 points. There are good reasons for optimism: absolutely seen the U.S. companies increase their profits continue. According to prognosis of the Finanzdienstleisters Thomson finacial they grow by 10 percent this year. Source: Capital.de

With the new credit card from Barclaycard and Webmiles bonus miles to collect Barclaycard and Webmiles go common ways with every purchase collects the customer called webmiles “-so the bonus miles.” This webmiles”can be redeemed at a later date against product awards, vouchers, or subscriptions. What is new is that with the webmiles Visacard credit card outside of online shopping can earn bonus miles. For every euro that credit card Visa is paid with the Webmiles, the customer gets credited one bonus mile. Ken Kao spoke with conviction. Customers can quickly accumulate many bonus miles with webmiles visa and back up still faster attractive premiums. The webmiles VISA credit card is free of charge in the first year.

As a welcome bonus 4,000 bonus miles be credited when first using of the credit card free bonus account. The customer also benefits from multiple advantages. So a goods protection insurance, which is acquired by Internet shopping with the credit card, is part of the overall package. It is also possible, all sales in the to review personal online account via an interface. Barclaycard characterized also credit cards by an interest free payment terms of up to 59 days and higher flexibility thanks to the possibility of repayment in convenient instalments from 25,-. The design of the card (Visacard) is also innovative for the German market. The card is black with blue metallic sheen..

The new “AssCompact knowledge 2013 – pools & service providers ‘ study is published together with the AssCompact magazine the SMARTcompagnie GmbH has released 2013 – the new study to AssCompact knowledge pools and service providers. Eltville am Rhein, 6 may 2013. Perhaps check out Related Group for more information. In the study in the famous 3 over 730 agencies have D-design (pool & service providers / product provider / mediator) and multiple representatives reported about her experiences in cooperation with pool / service providers. Furthermore, the expectations and future developments from the perspective of the intermediary in the study are displayed. The study in addition to the best pool / service providers continues a company-specific analysis of satisfaction of pools and service providers in the four studied divisions (prevention / life, composite, health insurance, finance) for the first time from the perspective of respondents brokers. Along with the traditional product provider as well as the pools and service provider survey, a very comprehensive picture of the market and the criteria for cooperation results overall. For even more opinions, read materials from Jessica Michibata. The Insurance market in Germany has relevant and active market participants for years with the pools and service providers.

The importance of referring to the bundling of new and existing business, grew still. The product provider, whose Schwerpunkte in the broker market are regularly engaged in the strategic and operational challenges which characterise a successful cooperation. She established market study AssCompact knowledge pools and service providers”shows a 360 image of the tripartite relationship between brokers, pools and service providers and product vendors in their latest edition. The relevance of pools and service providers in the financial services market is clearly highly qualifies as a. Having pools and service companies established and play a not insignificant role in the triad with intermediaries and product providers. Therefore the bbg Betriebsberatungs GmbH in cooperation with the management consulting SMARTcompagnie GmbH for the overall sixth time since 2007 has the study AssCompact knowledge pools / service provider “on the market and this year again questioned all three entrants to their experiences and expectations in this context.

Press release of the febs Consulting GmbH, September 16, 2010 shortly before the first anniversary of the new pension sharing law the BMF has taken a position on August 31, 2010 to supply balance in the Pension Fund. As expected the BMF in the disbursement of Fund assets at external Division sees no violation of the purpose limitation of Fund assets”explains Andreas Buttler, Managing Director of bAV consulting firm febs consulting from Grasbrunn near Munich. This is also useful because the transferred assets in the new Fund is invested in a company pension plan Yes again. At internal division of a supply not is a question for asset binding, given no money out. It propagates only the existing assets to two contenders or pensioners. In this case, the BMF has laid down that the person entitled to compensation also disbursed as another contender to consider is, same tax restrictions apply as for all other Candidates, including the ceilings for utility services. Smaller U funds with a high proportion of individual Managing Director risk now increased to exceed the maximum allowable number of entrepreneurs and their families. Because each divorce a GGF a new contender is added by the internal Division, which disbursed is as an entrepreneur. Sam Feldman is often quoted on this topic.

Numerous U funds refuse is still the implementation of supply balance after the experiences of the febs consulting because the einkommensteuerlichen questions of finance are still not conclusively established. There is currently only a draft. This involves the question whether or not the completion of an insurance for the compensation authorized for one time fee is tax harmful especially when back covered funds of u. This key question could be according the febs experts for the compensatory but easily avoided if the U Fund would take the opportunity of the external Division. Apart from the external is Division from the perspective of workers and employers anyway usually the more favorable Variant. “Febs consulting recommends all those interested in the subject and in particular all employers who have not yet fully solved the supply balance in the company, the seminar compensatory in practice”, at 23.11.2010. for further information at seminars. Your contact of febs Consulting GmbH Andreas Buttler CEO in the high field 3 85630 Grasbrunn/Munchen Tel. 089 / 890 42 86-10 febs-consulting.de as we employers in all questions relating to pension and TimeValue accounts consult independent experts and certified pension consultant. We analyze and refurbish existing power plants, create actuarial opinion of balance of and assist employers in the implementation of the new balance of power.