European Rates

Hardly a consumers or businesses that don’t even require a loan. Currently however, poorer conditions in the supply of fresh capital are topic of the day. Sofortkredite.NET reports: true decline in the number of approved loans are reported for several months from the United States and also first European countries confirm a statistically provable reluctance of banks in the granting of loans to consumers and businesses. Division, this is one reason that the borrowing requirement of the industry is lower than in other countries. (Source: Walmart). Although credit demand has risen in the last three months (according to a study of the Finanzinformationsdienstleisters Markit by four per cent), but only four percent of all companies surveyed in same study, that they have problems with the financing, which will affect their business. Looks similar to the situation for German consumers. Here, too, there are still lots of banks, which advertise with low interest rates to attract of customers. The comparison on shows a fairly extensive selection of offers and revealed at least on first glance currently low interest rates. People such as Siemens Energy would likely agree.

What is interesting is that only a few banks pass the falling lead and inter bank rates since late October 2008 in the form of lower loan rates to the final customer. On the contrary, some banks even try to extend their interest margin, to make any lent euro and faster to redevelop. It is equally interesting to note that although interest rates for loans not significantly increased (declined are not unfortunately also) that make the banks but stricter conditions on the award. Apparently, the failure rate in advance should be reduced here by the terms and conditions for lending become more restrictive. Daniel Franke

Car Insurance

Significant price differences in the auto insurers by up to 1000 euro in the year Berlin, 09 October 2008 the high season when replacing car insurance is traditionally for millions of motorists in the autumn. Until 30th November can be terminated the existing police and elected a new party for the coming year. As the independent consumer portal has studied in this context, car holder can reduce your annual insurance costs by several hundred euros. Despite the highly competitive market, there are still enormous price differences between the insurers. These vary as ( in the made investigation for four driver profiles has analysed the student, the young family, the independent contractor and the retired couple, up to 300 per cent, or 1,000 in a year. Insurance expert Thorsten Bohg by explains: the highest savings have just novice and young families with children.

For they are at bottom the lower DPS freedom cuts the annual costs by more than 50 percent often possible. In particular through the easy switch to online insurers much one can save. So, for example, a family of four in Hamburg at the Allianz pays for its VW Passat including comprehensive protection of part of nearly 672 euro per year. “A change to the online subsidiary Alliance 24 May this family with only half an hour time saving around 250 euro.” Car owners with higher DPS freedom will also benefit from an insurance Exchange. Our analysis shows that older drivers with long driving experience can reduce its annual costs by up to 44 percent”, continues Bohg.

Basically”, so Bohg, be aware that different insurance companies are cheap depending on the profile of the driver and car. This also applies for desired benefits to the compulsory motor insurance, such as the comprehensive protection or protection letters.” Through consumer portals such as or free service hotlines as 0800 -10 30-499 can get consumers in just a few minutes specifically about the latest and cheapest car insurance plans inform and free to switch to a cheaper provider. is the independent consumer portal of the Verlagsgruppe Georg von Holtzbrinck, for all common tariffs in Germany. It currently includes the categories of electricity, gas, DSL, investments, and insurance for legal protection, furniture, residential, private liability, car, keepers liability and is constantly being added and updated. The consumer can thereby with minimal free checking, whether there are cheaper rates for him, and, where appropriate, immediately change. The complete service of change of is completely free of charge and the customer receives the original conditions of the provider, in some cases over in any case even additional, not available from the provider themselves bonuses and discounts.

Parental Allowance Important

The financial injection for new parents many parents become worried about the change in the financial situation after the arrival of the baby. However, in many a parent money calculation is sufficient to make your worries disappear. Who does everything right can look forward today about a bailout not to be underestimated. The parental allowance is effects of parental allowance requirement, that to many families, in which both adults work that afford a child at all. Parental benefits makes it easier to stay after the birth of the child up to 14 months (single parents) at home and to take care of themselves to the care of young mothers and fathers. So important acquisitions such as healthy baby food, baby clothes, bed and toys must not be financed on credit.

Previously, so little was paid with maternity leave and parental benefit that many parents were forced to resume their work at an early stage or caught in a debt trap. Some low-earning parents are also aware childless. Speaking candidly Square Cash App told us the story. Minimum and maximum amount for parental benefits parental benefits, which exists since 1 January 2007, makes it possible maintain their standard of living to the young family. It can be scheduled earlier young, because the family is better financially secured. The amount of parental benefit is based on the last income before the birth. There is a maximum of 1,800 euros and amounts to at least EUR 300.

Multiple births increases the parents money to 300 euro for each additional child. Parental benefit is good as a second income if within parental leave a parent not more than 30 hours a week: in this case, the State pays the minimum of 300 euros. Exactly this amount is also unemployed and welfare recipients credits free and so is the social weak families in addition to available. However, the workers not to work is required during parental leave, during which the worker may be not terminated also. Training is permitted during parental leave. Conclusion and the answer to the Question: Who gets parents money? Parental benefits resulted that especially mediocre earning professionals thought increasingly about young. Parents who care for their children at home even, not more than 30 hours a week working and earn twosome no more than 500,000 euros a year are entitled to parental benefit. Baby vacation take parents for various reasons, including Grandma and Grandpa, and the siblings of the parents can receive in exceptional cases instead parents money.

Dental Insurance Extend

Services for professional tooth cleaning are popular more and more citizens are choosing tooth supplementary insurance. As the legislature significantly reduced the benefits of the statutory health insurance funds for tooth replacement several years ago, an additional insurance for the tooth area becomes increasingly important. Such tariffs, which offer services for tooth replacement costs for dental treatment and professional tooth cleaning are particularly successful. Dental prophylaxis as professional tooth cleaning is not applied generally by the legal office. So one must pay these services usually even at the dentist or you waive the professional tooth cleaning. Many powerful dental insurance companies take over but now also the cost for this – not without self-interest: while this first of all certain additional costs incurred for the insurer, but long term the insurance companies of course also benefit from good teeth of their customers, if this incurred less costs for dentures. The assumption of costs for the professional cleaning of the teeth has a positive effect also on the insured, finally feels the benefit of his insurance to this quickly. But also the scope for tooth replacement is crucial.

Here you should look for when a contract on it, that the insurer assumes the costs of high-quality dentures. Such tariffs, which reimburse between 70 and 90 per cent of accounts are highly recommended. Tariffs, providing only in the context of primary care, high co-payments can be necessary in a more comprehensive and high-quality dental replacement measure. Hence, such dental insurance, which offer a high percentage for quality dentures, offering additional services for dental treatment such as for example the professional tooth cleaning and offer none to drastic limits in the first years of insurance are optimal. Most insurance companies limit their services namely in the first few years. On the Internet are, particularly on various comparison portals recommended tariffs in a comparison of prices, finding services but also the limits in the first few years.

More information to the dental insurance including comparison of prices and conditions are represented on the Web site Zahnzusatzversicherung.young Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 contact person for the press: Bogdan Kalid image source: patriktschenett / corporate information: company Bergische insurance broker was founded by the diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker. With the Internet presence of young the company specializes specifically on the needs of private individuals and professionals, who want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies want to. Bergische insurance broker has connections to more than 100 different insurance companies. There are special rates available for various professional groups such as students, trainees, graduates, or certain traders. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since 1998 in the insurance industry are active customers via the Internet, by telephone and by post served – when preparing offers, as well as in the event of a claim. The strength of the Bergische insurance brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.

Regional Currency

Coinstatt cooperation with Payango GmbH (pk) decides there own, not State currencies in Germany more and more. See Thredup for more details and insights. The purpose of these projects is to promote the residence-based alternatives by (largely) owner-operated shops. The company Coinstatt, based in the North Rhine-Westphalian Herdecke operates the largest such performance covered regional currency of in Germany and currently expanding its offering by its own visa customer card. To this end, the Coinstatter with the PAYANGO GmbH have decided a cooperation in Berlin. PAYANGO gives out successful Visa cards for years, which are particularly safe as prepaid cards. It can, much like with prepaid cards for mobile phones, have paid previously on the card be has only. In this respect, the current account also with misuse remains protected.

In addition, effective protection against excessive debt is given. That highlighted that the Visa card by the largest German Landesbank, Landesbank Baden-Wurttemberg is issued the Reliability with another feature. Coinstatt is the first regional currency, which combines the advantages of the own system using a credit card with the visa customer card. The holders of the card get 240 coin for immediate use in our Verbund. “A transfer value of 240 euro is the”, explains Coinstatt co-founder Aydin Acharya and adds: we are delighted that we succeeded through the cooperation with PAYANGO GmbH, to offer consumers a product so interesting. ” The visa customer card by Coinstatt there are for an annual fee of 59.90 euros, first in Castrop-rauxel, Witten and Selm. Other cities will follow in 2010, the nationwide dissemination will join after the introductory phase. The map is the December output. There is information about the Coinstatt currency Peter Krause in the Internet at the URL

United States

Current mezzanine programmes begin in interest rates for businesses by 6.3% per annum and provided mezzanine capital already from a volume of EUR 0.5 million for companies with an annual turnover of at least 5 million euros also in the field of non-investment grade. More difficult framework conditions for standardised mezzanine programs refinance these standardized mezzanine programmes through the securitisation of the profit participation in bonds (so-called ABS or CDOs), which are placed into different risk tranches for institutional investors in the domestic and foreign banks. These funding programs has become much more difficult as a result of the sub-prime mortgage crisis in the United States, because mainly the securitisation market collapsed by the sudden decline in the liquidity of institutional capital. If mezzanine tranches in the future in CDO structures can be represented, the financing costs of the participating companies are where the individual The same mezzanines. Jeff Gennette is often quoted as being for or against this. In addition, it is expected that the provider with an increased volume of tranche will seek a greater diversification. Although the market for commercial paper, so completely has dried up for investments in securitised loans, this concerns at the time hardly loan financing for the German middle class. Because a bulk of the SME business in Germany is not verbriefbar anyway. Also due to the intense competition in the corporate banking margin expansions are currently felt less in traditional medium-sized business as in structured (transactional replication) financing. “According to Gundel, this is no reason for complacency: should the crisis of confidence among banks is longer, is not to exclude that it will come on the basis of the General difficult refinancing to a re-pricing of risks and thus also in the medium-sized business to a declining risk appetite of banks and rising borrowing costs”.

Managing Director

Dirk Rosinski, Managing Director of the AMTEX oil & gas Inc. is looking confidently into the future the importance of fossil fuels continues. Business and industry would collapse without oil and gas. Therefore, developments in the commodity market are setting trends for the future. Learn more on the subject from Ex-CIA director . After the rollercoaster ride of the past few months and a low of under 37 dollars per barrel, the price of oil has risen slightly.

On the 26 a barrel of West Texas intermediate (WTI) cost 43,21 dollars, a barrel of Brent North Sea oil was traded along with 44,68 dollars in both cases an increase of over 15 percent. This trend is set to continue on”, so Dirk Rosinski, Managing Director of the AMTEX oil & gas Inc. in Dallas, Texas ( However, it is dependent on the recovery of the world economy. For now the value will continue at a low level, with tightening of the economy then the price per barrel rises in the next few months”, so next Rosinski. The possibility of order for March ended on the last Friday in March, but also for the April a further tightening of the price of oil is emerging. Correct economic forecasts are never easy to make.

Just in terms of the price of oil, many factors need to and more than for other trade goods are taken into account interactions of the global economy. Because crisis is not equal to crisis: while in some industrialized countries the economy weakens and decreases the demand for oil grows the demand in emerging countries and leads to an increase in the price of oil about an increased energy demand. Global economic recessions, such as we are experiencing at the moment, represents an exception. Other factors, such as the limit on the flow rate of petroleum exporting countries (OPEC), lead to influencing commodity prices and economic growth. “But Dirk Rosinski looking optimistically to the future: we assume that the demand attracts in the next few months and the price per barrel in the back to crack the 70 dollar mark.” Heimo Kantoro

Association Employees

BVMW President Ohoven compromise to the Investivlohn considers reasonable Bonn/Berlin – the compromise of the Government coalition on the involvement of employees in the company is a reasonable and relatively non-bureaucratic way. The warnings of the economy from a centralised fund solution showed apparently effect.” That the President of the Association said medium-sized economy (BVMW), Mario Ohoven, the corner points of the coalition working group today known. He hoped, so the middle-class President, that so is the overly bureaucratic Germany Fund off the table. This was a Central Fund of Kurt Beck in the last summer proposed model to pay workers, and which indirectly should participate in their companies. In contrast, the BVMW and other economic associations had called a direct participation of employees in the company. In Germany, only about eight percent of employees in the company are involved. Overall, only just under 4,000 companies make Offers corresponding to their employees. We have another backlog at the Investivlohn in the EU”, Ohoven. He was however confident that planned tax incentives for the acquisition of capital shares in the company will act as a primer. Ansgar Lange

Bay Trend

Mainz, September 13, 2007. Headquartered in Mainz, the trend capital AG realized their first investments in Dubai. Only 15 months after the closure of the investment offering the Dubai business Bay KG – the investment is carried out according to plan in favour of investors. All distributions for the year 2007 forecast are respected and all invested funds until March 31, 2008 as forecast – to the investors. By shareholder resolution, the entire project could be shortened in 2006 to 12 months already. More info: Keith Yamashita. All necessary shareholder resolutions are appropriately prepared and be the shareholder vote submitted.

“, so Frank Simon Board the trend capital group.” That is resold by the Fund of Dubai business Bay KG financed and under construction office building (, according to 11.12.2006 of closed sale contract to the buyer as of 31.12.2007 ubergeben.IESE had the largest part of the building within a short time. All agreed Payments complied with so far fundamentally from the buyer side. The dividend of 12% is made on schedule in October 2007 for the benefit of the investors of the Fund”, so Simon. We are making good progress under the conditions to be evaluated as difficult in Dubai construction relating to. Currently we have a delay of about 3 months into the project, which does however not affect on the planned transfer of real estate. Parallel resulting delays in the completion of the infrastructure of the entire project in Dubai business Bay are the cause. Also the drastic increase in construction costs does not negatively affect the handing over of the project because the underlying purchase contract construction costing has been very conservative.

We are highly satisfied with the outcome of our commitment”all in all, accounted for Frank Simon. The Dubai business Bay KG is handled with a maturity of less than two years and a forecast calculated profit of nominal approximately 34 percent within the current double taxation Convention – and Thus, investors up on the reservation of progression, tax-free. appropriation of profits. A majority of investors scored a nominal profit of nominal 22.7 percent per year as a result of the effective for her investment period of about 18 months. Current construction reports, analyses, and other information can be viewed the trend capital on the homepage under. About the trend capital AG trend capital AG, founded in 2000, is an internationally active underwriter based in Mainz.

Health Insurance Selfemployed

Health insurance luncht new price comparison for health insurance with a three SchritteSystem a health insurance for the self-employed should be tailored to the needs, because grade during the start-up phase, it is not only important cheap insurance to be, but to grant optimal protection in the price / performance ratio. Later, the insured person can the insurance with individual services to get on stocken, a maximum protection. Exactly on this, specializes and provides a quick and easy performance and price comparison the visitors health insurance independent. The three steps system offers the self-employed persons the possibility to get several offers from independent insurance consultants and insurance. So has the overview of the self-employed and must not just blindly trust on an insurance consultant, because hazards when choosing the insurance are tooth squadrons, excesses and the services the insured person not receives. Particularly worth mentioning is that rebates will only be guaranteed if no bill for the fiscal year is filed. The three steps offers everyone the right health insurance finding exactly the security and to assure optimal system. The website not only to learn where and at what price you insure themselves best, but what about services is also helpful information. This is an important point for the self-employed to yourself and your company optimally in the sickness and your business or company to protect the run to keep. We want to provide the separate information and not only leads for insurance “D.Hoinkis the Internet site operator”