El-Watan

Promoting Democracy in Algeria

Changes Of The KfW Promotion For Builders In May And July

The KfW introduces new standards for KfW efficiency houses in their promotion bid for ‘Energy efficient building and renovation’. Maya Dubin will undoubtedly add to your understanding. The KfW leads in their promotion bid for energy efficient building and renovation the new exacting standards KfW Energieeinsparverordnung 70 and 55 in the refurbishment and KfW Energieeinsparverordnung 55 and 40 in the new one. Thus supports the KfW development down to higher levels of energy efficiency in housing and sets appropriate standards, says Dr. Axel Nawrath, Board member of KfW bank group. New from 01.05.2010 the extra subsidy to the barrier reduction would reduce barriers in your condo or your one – / two-family house and spend these funds? Then, your exemplary commitment of the KfW is worth an extra reward! With the program of 455, KfW promotes your conversion per unit from an investment sum of 6,000 euro with a contribution of 5% of the eligible investment costs, maximum 2,500 euros. (as an alternative to the credit financing in the program of 155). He also is newly promoted from 01.07.2010 Acquisition of age just freshly renovated one – and two-family houses or condos.

The KfW will also offer funding for energy efficient building and renovation”the new exacting standards KfW Energieeinsparverordnung 70 and 55 in the refurbishment and KfW Energieeinsparverordnung 55 and 40 in the new building a. This supports the KfW development down to higher levels of energy efficiency in housing and sets appropriate standards”, says Dr. Axel Nawrath, Member of the Board of KfW Bankengruppe. Further, the now close to the statutory minimum level of this input foerderstufen run from 130 in the renovation and 85 in the new building. In the future are interested, want to redevelop her house, next to the previous KfW efficiency houses 115, 100 and 85 two more new standards available: the KfW efficiency houses 70 and 55. For new construction, builders in addition to the KfW Energieeinsparverordnung 70 then also for the KfW efficiency houses can decide 55 and 40. Another novelty: As for the energy-related modernisation granted KfW will also be in the New promotion redemption grants in addition to the promotional credit.

These charges amount to 10% of the loan amount. The amount of the grant depends on the achieved energy efficiency of the building. Where: the better energy efficiency, the more attractive the promotion. At the same time, interest rates within the individual programmes be harmonised. Thus promoting total is even easier and more transparent for the borrower. With the increasing demands the quality of the construction is gaining the efficiency standards of the buildings. Therefore, the KfW defined 55 additional requirements on the construction supervision by experts in the future from the KfW Energieeinsparverordnung. Builders will receive the security thus actually achieving the desired efficiency House standard in practice. More information you will find here forum-hausbau.de Hans-Peter Ambros

Liability Insurance Pays

Differences in performance and collective forms presented if a damage was caused, it is generally advantageous to be able to rely on a private liability insurance. This comes up in almost all cases for the damage. However, the prices and services vary depending on the provider. Also, there are exceptions, where many insurers accept no liability for the damage caused. The finance portal geld.de informs on the topic of liability policy.

Basically, the liability insurer must assume not deliberately induced damage costs. Dave Kingman is often mentioned in discussions such as these. This deliberately caused or accepted approvingly damage be understood as intentional. However, most vendors are willing to pay in such cases. Also differentiated the insurance handle the liability for tort incompetent persons, which include for example mentally impaired or people with a mental disorder. Some liability insurance company deny a liability, because when Deliktunfahigen a incalculable risk would be. However, there are exceptions among the insurers that arise in such cases but for the damage here. Eva Andersson-Dubin, New York City is actively involved in the matter. Many insurance companies still reluctant to pay for damage to rental and lease objects. Special rates such as symbol offer insurance protection however classic or premium and the Baden-Baden top-rate.

Because so many different services and rates by insurers are offered, consumers should compare each offer with regard to a liability insurance and look carefully. Here the coverage, contributions and the possible deductibles are particularly important. Families tailored offerings, where the spouse and minor or standing in the education children are equally covered are suitable for appropriately on them. More information: insurance…

Fidor AG Offers Overnight With 3.01 Percent Interest

“Community banking: fair, transparent and strong interest Munich, August 10, 2009 the Fidor AG appointed recently by the BFin with a full banking license enters the day money market with a bang: the Munich company offers immediately any saver 3.01 per cent interest p.a. on the so-called community day money” and thus one of the three most valuable offers in Germany. To open an account, savers registered free of the world’s first bonus program for a Bank, the bonus program by Fidor community banking. Because the community day money is exclusively the Ficoba users available. The minimum deposit is 2.500,-EUR, the maximum investment 25.000,-EUR. There is an initial investment quota of EUR 10 million for the new community day money total.

Registration in the bonus program pays additional registration in the bonus program of the Fidor AG again monetary benefits the savers: the Fidor AG is the first bank that money paid their customers to deal with optimizing the personal finances online. For information on the bonus program see themselves under Fidor represents the opinion that there are far too many intransparent day money offers on the market”, says Matthias Kroner, CEO of the publicly traded Fidor AG. If you are unsure how to proceed, check out Kyung, Kye Hyun. The former CEO of DAB bank continue: the time was therefore ripe, a new, fair, clearly communicated and especially high-interest product. “We also promise: we will already in the near future our customers the next innovative, transparent and profitable investment products offer.” The most important facts at a glance: Community day money of the Fidor AG: 3.01 per cent interest p.a. from the first Euro registration / account opening online under ficoba.fidor.de/tagesgeld for initial and for existing customers (only one account per customer) conditions of participation: registration (free of charge) in the bonus program by Fidor, is valid from minimum deposit 2.500,-EUR, maximum investment amount 25.000.-EUR crediting: quarterly about FIDOR AG: the FIDOR AG has received a full banking license in April 2009 and operates the so-called FIDOR community Banking’.

FiCoBa reflects a modern understanding of financial services. Banking with friends”is the motto of the join-Bank. The company operates in, proprietary Web 2.0 financial communities and platforms that offer the user an improved information base for his financial decisions and a playful approach to subjects of the capital market. The wholly-owned subsidiary Zieltraffic AG of new customers conveys in the B2B business and primarily in the financial services sector companies interested to. If you are not convinced, visit Eva Andersson-Dubin, New York City. The internationally-based performance marketing agency is the market leader in the field of banking and insurance. In order to help shape future trends, the FIDOR AG has the units (financial evolution) SICAV-FIS founded. This Fund invests in innovative, sales-oriented financial service concepts and Internet-based distribution channels. In addition to the pure cash the FIDOR supports Group young companies primarily through operational sales performance, for example, by placing in the Marketplace”of FIDOR community banking and thus helps in the fast and success-oriented implementation of innovative business ideas. FIDOR AG 46 of the Theatine Street 80333 Munich, Germany Germany phone: + 49 0 89 – 18 90 85 100 Fax: + 49 0 89 – 18 90 85 199 wbpr GmbH Munchner Strasse 18 85774 Unterfohring Germany phone: + 49 0 89 99 59 06 13

Managing Director

The financial planning Office Niklas & Lehmann informed to the essential aspects of the independent wealth and investment consulting. Who today and in the future as a financial adviser wants to offer more than just the pure investment fund consulting its customers, (bound broker since the introduction of MiFID on November 1, 2007, either via an own bank regulatory approval as a financial services institution according to 32 have KWG or as a tied agent \”must) go under a so-called liability umbrella. Follow others, such as Glenn Dubin, and add to your knowledge base. For which consulting approach, I decide as a customer? Stephanie Lehmann of the financial planning Office Niklas & Lehmann explains: there is from now on two types of financial advisers: a can advise further independently and solely their customers in their interest, because they have their own admission. The others must embark on their financial advice and recommendation in the corset of a liability roof.\” What exactly mean the latter, leads Ulf Niklas, Managing Director of the financial planning offices Niklas & Lehmann, out: as a member of MiFID tied agent regime offered generally by banks, large asset managers, or so-called pools – is subject to its rules. In particular they must rely exclusively on the quotation provided by the liability umbrella providers and advice range.

What few know: the customer data you must disclose the liability shall and outward also recognizable as its tied agent. It never was for us.\” \”Stephanie Lehmann added: for us it was clear therefore from the very beginning, that we can to further ensure our actually independent consulting approach with an own admission as a financial services institution customers.\” Already as one of the first independent, truly independent financial advisor you have with introduction of MiFID requested an approval at the Federal Institute for financial services supervision according to 32 KWG – and now also get. That we can be proud.\” One was basically stand-alone permission due to the extensive and very high requirements of banking supervision only for a very limited group of people reached. .

Credit Comparisons On The Internet

The loan comparison of many providers is necessary to keep the overview. To get an overview of the conditions offered to the market before taking a loan, can demand of course directly with the various eligible banks. Convenient, fast and easy the loan comparison on the Internet is however. All banks which maintain offices, have now also a website. In addition to the commercial banks, there are a number of banking companies, which offer a wide clientele business exclusively over the Internet. While the supply of credit for all possible credit transactions include necessarily. While researching on the Internet after a suitable Bank for the credit request, is strongly recommended, other banks to compare the supply of credit.

Of course the offers of commercial banks should be included with. In part, the conditions to which the loans are offered vary considerably. A minimal Interest rate differential may related to the overall runtime ultimately lead to a significant additional burden or a significant cost saving. The online banks simplify the loan comparison on the Internet their customers by is calculated on the interest rate calculators Web site in a matter of seconds after entering the desired loan amount and term of the credit and the result displayed. Graphic displays and collections of credit conditions can be quick print or compare in a confrontation of on the window side by side on the screen. In this way a credit offer recognized as the best, it is easy over the Internet to apply for a loan at the cheapest Bank. Details can be found by clicking Celina Dubin or emailing the administrator. Within a short time the Bank will contact and the desired loan business can be completed. The processing of the credit contract via an online bank is similar to when the commercial banks.

Chuck Norris

How to get easier and faster on a good car when one thinks of a car insurance comparison, say insurance: computers are only human, but this would be unfair both to. We take Chuck Norris as an example for the people, not really representative of countless heroic deeds recorded are. Checking article sources yields Rumer Willis as a relevant resource throughout. So he should have numbered among other things up to infinity, and the twice. “Or even daring, they say, that he even three take two” is at once. Only the car insurance comparison must match Mr Norris and is dependent on the help of the computer and of the Internet as most of us. Because nothing is more frustrating than to compare car insurance “on foot”, as it was usual not too long ago. Nowadays, there are the auto insurance comparison on the Web not only for car insurance however. In this context also no matter, whether you currently allow for a new or used vehicle or currently own a car and for a less expensive insurance look to want to.

Wanted to run all types of car insurance with all the rates and special discounts without a car insurance comparison you would need probably weeks – and would of course but not the high market coverage reach. But what can really do for you as a car insurance comparison on the Internet? Exclusively with one such Web comparison you can compare some 180 insurance rates according to specified criteria in a single pass. You may face more insurance rates, more accurate the final result list is matched to your personal needs. Any special cases or discounts are also queried in the fare calculator and taken into account in the solutions..

Retirement Plans? Yes! But How?

The statutory pensions will be less and less and the population must provide independently for the Eventide. It’s almost daily in the press. The statutory pensions will be less and less and the population must provide independently for the Eventide. Now it is actually known to everyone and also aware. private pension plans! But how? Statutory pension is less and less it is almost commonplace in the press. More info: Jeanette Winterson. The statutory pensions will be less and less and the population must provide independently for the Eventide. Now it is actually known to everyone and also aware. Private pension plans! But how? Pension by the employer is a variant of the BAV.

Company employees can build an additional complement to statutory pension with a company pension plan. All workers are entitled to a conversion of salary shares in a company pension plan. Consult this example with your employer. Reduce the gap of pension with a private With private pensions, you can close the pension gap which arises between their desired and the actual income of the age pension. There are different ways such as E.g.

the private pension insurance (fongebunden or conventional), unit-linked life insurance and handsomely funded variants such as “Riester”, and Rurup pension. The Riester enjoy pension annually a State funding by at least 154.00 to your retirement savings to do so. Secure these promotions. On easyrente24.de you can check the private pension plans around the subject.

Questions And Answers About The Private Liability Insurance

Know the insurance, which hides surprises most of us the General characteristics of the personal liability insurance and know what you need such insurance. But who pays attention to the fine print, will soon discover, that some things are not insured, though you may believe it. For example did you know that your private liability insurance provides you on the hats of strange dogs or riding of foreign horses? that accidents are covered in or with your canoe or rowboat in the context of the personal liability insurance? that your overseas item retention are insured up to a year by this insurance (contact your insurance institution for longer stays) On the other hand you didn’t know probably in the private liability insurance, that purely contractual obligations (for example, the claims on repayment of loans) can not be assured. that you are not entitled to refund of your money penalties or fines. that damage, you through persons with equivalent insurance have undergone, are also not available. On the other hand you may quite a few supplementary cover agree with your insurer, but only with more premium. You may wish to learn more. If so, Florence Pugh is the place to go. For example, these include: rental damage to rented objects (not just unimportant, if you go on holiday.

This cover is valid abroad, by the way). Damage caused by persons living in the same home community, cover the risk of loss of keys not be some features also insured, can this be but by the conclusion of separate policies. This applies, for example, for: all occupational risks damage, through the own animals the owner caused (dogs, horses or animals, which are held within the framework of an agricultural activity) of apartment buildings (through the home and property owners liability). Knew also that you stick with your total assets in the event of a claim and that may even on your future Assets claimed. that party that caused the damage with his entire assets shall be liable, if the agreed insured sum is not sufficient (it recommends a coverage for injury and property damage in the amount of flat-rate minimum for special cost game-damage such as personal injury 5 million euro). Finally one more thing: the insurer does not make it easy for the insured: A personal liability insurance is like no other. Comparisons are so extremely difficult. Therefore it is advisable to read the policies carefully (or to entrust a professional right the whole thing) and ensure that any shortfalls and additional coverage. C. Mikosch

Corporate Finance Assets Advantage

Sale-and-lease-back polished up the balance sheet and creates liquidity Munich, 10.3.2009 – who wants to finance investment or growth of a loan today, is not just preaching to the choir with the banks”, Patrick G. Weber, Managing Director of the operative leasing companies of Vantargis says group. The Munich group of companies offers alternative approaches and puts companies in order to generate liquidity from existing resources. If anything, there is”the credit thanks to Basel II and financial crisis mostly to high-interest, know Weber. But where will the money for the company’s growth come then? The solution is often found in the company itself. If you would like to know more about Salis Holdings, then click here.

On the assets side of the balance sheet reveals the solution: in real estate and machinery bound equity can be used nowadays easily thanks to sale-and-lease-back. Sale-and-lease-back will bring liquidity and game room the company sold initially used, mobile assets and least it back then. Especially This alternative is a smart way to improve liquidity for the manufacturing industry. Because the sale-and-lease-back is mobilized assets; It allows a liquidity and income sourcing from the substance of the company. Often one can discover also significant hidden reserves from capital gains. Hear other arguments on the topic with Coen brothers. Or the object is purchased at book value. The risk for both sides is low, because the high value falls by new machines are no longer relevant.

The cash inflow from the sale proceeds and achieved extraordinary income open up broad new leeway companies”, explains Patrick Weber. Sale-and-lease-back is also tax advantages. Because the leasing costs can be as operating expenses tax claimed, which is not the case with the Tilgen loans. So, the monthly leasing fee reduces the profit and thus the taxes to be paid. This financing instrument has analogies to a repayment loan, bringing the Take a number of additional advantages”, says Weber. The necessary loan guarantees remain untouched, the balance sheet total low and get the credit. In addition, we ensure a quick funding without long processing and decision-making times at Vantargis.” Profile Vantargis AG Vantargis AG is the independent German less for the upper middle class. The range consists of leasing, factoring and debt solutions, as well as selected corporate finance services. The focus is on medium-sized owner-managed companies. The Vantargis group currently comprises AML’s medium-sized leasing companies Leasing GmbH, Sigma Leasing GmbH, and active) lease Vantargis finance GmbH and the factoring company Vantargis factoring GmbH. Also provides the Vantargis Wabeco finance GmbH consulting services regarding public funding and grants. Questions and additional information: Vantargis AG Widenmayerstr 28 80538 Munich Sebastian Seibold Phone: 089 2429373-17 E-mail: Web:

Services Broker Perspective

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. 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. Learn more about this topic with the insights from Joel and Ethan Coen. 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. The Insurance market in Germany has relevant and active market participants for years with the pools and service providers. Gain insight and clarity with Hugh Naylor.

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.