El-Watan

Promoting Democracy in Algeria

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..

Charge Insurance

With the recommendation of the experts properly insured limit the financial risk of the insured property and liability insurance in case of damage. Insurance companies generally considered complicated and opaque. Who completes as a simple dog liability insurance, ndtt read, the euro) saves sichherungspramie spartr abroad wohntider.gsinformationen, investment consultation record, FS 100% sti receives many, many pages of insurance documents. But there’s expert help. The reform of the German insurance contract law and the EU insurance mediation directive have hardly improved the transparency from the perspective of the typical residential user. For the Otto ordinary consumer insurance conditions and information contain still have too much insurance Chinese”. Insurance offers are incomprehensible, confusing or both. When the insurance company pays, and when not, of many clients not fully recognized.

The insurance terms and conditions contain all of the information, but the fine print”remains often unread or misunderstood. Many customers today are looking for advice and help on the Internet. Compare comparison calculator Prices of from different suppliers. But only a few criteria of comparison calculator. When a dog liability insurance only breed, excess, duration of the contract and insurance takes into account the most comparison calculator. The substantive review of tariffs, i.e. when pays the insurance and when is not too complicated for the comparison calculator.

Tariffs and services of insurance products are also constantly changing. Therefore, decision details are inevitably leave the end customer. At the end, usually the price unds.nur decides restricted. 20 insurance premiums are saved so quickly.” Disillusionment often but in the event of a claim, if the insurance company refuses to pay. Because often were saved 20 insurance premium when the dog liability, but important risks, E.g. for dog owners, frequent travel or longer abroad, not covered. And so the dog owner in the event of damage at the expense of a few thousand euros to sit still. Insurance companies still lack the consistent Turning to the customers. Comfort, simplicity, security, cheap premium and a high degree of transparency, the customer expects. The current possibilities of direct insurance via a comparison calculator fail usability or general uncertainty of the prospects often due to lack of transparency, technical problems worse. Ultimately the customer would like to feel, to buy for his personal circumstances, the right insurance product to the good price / performance ratio. And with minimal effort. Only an independent consultant can give security the customer: insurance brokers. The insurance broker AGILplus GmbH enters the customer needs and offers simplicity, security, and cleverness. Follow others, such as Celina Dubin, and add to your knowledge base. The experts of AGILplus GmbH compare and test products extensively before they recommend up to three products per category. Convincing only in terms of content and price offers reliable power generators will be considered. AGILplus has the product and process complexity of the end customer accepted level reduced and at the same time offers an attractive price-performance ratio. Since early September, the direct request for approved quality insurance products of AGILplus GmbH on is possible. The Web portal user – and easy to use, has a clear structure and meets the requirements for privacy and security (SSL encryption). Registration and login take only a few seconds.

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.