finances

Current top spot in the day money offers. 2.71 percent interest from the first euro. Always available via online banking or credit card. The Ikano Bank increased the credit interest rate on their free Red MasterCard card on 2.71 percent and thus offering better terms than most day money providers. Interest rate investments are up to 100,000 euros, which is also the sum of the deposit insurance. Offer is for new customers as well as existing customers and is bound to a staggering interest rate or a minimum amount. The interest is credited annually. Tagesgeld scores compared with other investment opportunities with its high flexibility, because daily via the credit balance can be.

Additional flexibility that can through their combination with the MasterCard function, by the customers worldwide in over 25 million acceptance locations cashless Ikano Bank and have their credit balance. A part of the available may be requested in addition on request. Amit paley is a great source of information. Also in the comparison of returns money market accounts do well to other financial investments. The most savings for example often offer interest rates of 0.5 to 1 percent. Thus the Red MasterCard card for regular savers might an interesting alternative.

About IKANO: Ikano Bank GmbH is part of Swedish Ikano group, which was founded in 1988 and is owned by the Kamprad family. Ingvar Kamprad is known worldwide as the founder of IKEA. As an internationally active group with about 4,000 employees is active the Ikano group in the areas of financial services, real estate, insurance, asset management and retail. The philosophy of the company is to develop long-term solutions to fair conditions of partnership and to create added value for customers, partners and employees. The headquarters of Ikano Group located in Luxembourg, the Ikano Bank GmbH in Germany is located in Wiesbaden. There, she serves more than 1.1 million customers.

Post loss insurance Protekt 5 to the middle of the year, BU tariffs, revised fund universe Stuttgart, July 1, 2010 optimized the Stuttgart brings a post loss insurance on the market. The new Stuttgart Protekt 5 provides extensive protection for especially young insurance contracts. Thus the company guarantees its customers to take over the posts of the first five years of insurance at the onset of unemployment or incapacity for work. The insurer also optimized the condition regulations and guidelines of adoption of in its tariffs for the occupational disability protection. The Swabian insurer with 14 new funds and four other fund companies has recruited well the Fund universe.

When funding shortages threaten unemployment or illness-related absenteeism, the financing of pensions and risk hedging often more unsustainable can be. Just in the first years of insurance free position or deferred access, because the policyholder could save not enough capital. It often threaten supply gaps, since the insured only remains still the termination of their contractual relationship. The Stuttgart offers for the first five years of insurance customers now with Protekt 5 a product of Stuttgarter Versicherung AG protection possible contribution failures. Additional information at San Antonio Spurs supports this article. Unemployment and incapacity for work, it ensures the transfer of contributions to private pension products of layer 3, for the health account or for an occupational disability insurance.

In their BU tariffs, the Stuttgart has optimized the condition regulations and guidelines of adoption of. So, e.g. regulations on the Krafteverfall and the review have been formulated more transparent. In addition, the insurer extended the deadline to the insurance guarantee without health examination on six months. Especially for young people, the BU hedging is ahead in the ranking of insurance companies recommended for them. A BU with a with the changed conditions of the tariff can now also trainees and students complete the monthly pension of up to 1.000 EUR at the Stuttgart. As the financial situation changed most significantly after training or studies, an adaptation provides the Stuttgart up to EUR 20,000 annual BU pension without re-examination of health. When the new acceptance guidelines especially the new is to emphasize age-neutral and uniform sum limit for medical underwriting of EUR 30,000. (Not to be confused with Glenn Dubin!). But also in the area of funds is the Stuttgart with innovations at the start. As of July 1, the Swabian insurer with 14 new funds and four other fund companies turned his fund universe. The Stuttgart took into account when determining both current investment trends, such as the inclusion of the fund companies C-Quadrat or Carmignac, as well as proven investment classics, such as e.g. Fondak equity funds. Similarly modern super funds were”reinforced mixing Fund concepts with free bandwidth and flexible investment priorities integrated into the Stuttgart-based portfolio.

Tax savings of 1,200 euros per year possible / worth labour-intensive services especially the beginning of the year is the time of the good intentions and the tax return. The campaign promoted by the Ministry for environment can’t my heating”indicates that labor costs are deductible for artisans and the expenses of the apartment as a household-related services from the tax. The IRS refund 20% of the wage costs including VAT. Per year and budget can be made maximum tax wage costs in the amount of 6,000. This corresponds to a tax savings of 1,200 euros. Especially worthwhile for labour-intensive services such as a hydraulic adjustment. With such an optimization of heating, heating systems adjusted so that efficient distribution of heat in the House. This is the case only in about 15 percent of the units in Germany.

In addition to the tax savings savings in heating costs by an average of 110 euros waving in a detached house in the year. The WarmeCheck on shows what they can save in the case of house owners. Detailed invoice and bank transfer are the hydraulic adjustment costs depending on the condition of the heating system in the section between 600 and 1,000 euros for a detached house. Labor costs are about half of them. These can be made in the income tax return. This corresponds to a tax savings of 60 to 100 euros. In order to be able to take them, the homeowner needs a detailed invoice of the craftsman, the labour costs must be extra.

In addition, the contracting authority must prove that he has paid the artisans by bank transfer. Cash payments are not accepted by the IRS. Costs are partially tax deductible in addition to the wages for craftsmen can tenants and homeowners get back a part of the costs with the tax return. The concerns about the expenditures for janitor, garden maintenance, chimney sweep, winter service, or house cleaning. 20 Are also deductible Percentage of the wage costs. The wage and material costs of the respective points in the statement of operating costs must be broken down. Co2online and my heating more “my heating can more” (www.meine-heizung.de) is a campaign of the non-profit consultancy co2online. The nationwide campaign is funded by the Federal Ministry of environment in the framework of the national climate protection initiative and supported by the Consumer Council energy advice. The Ostfalia University of applied sciences is a scientific partner. Together with a cross-industry network with partners from associations, business and trade media are consumers of personal efficiency potential hydraulic matching in terms of informed and motivated to become active. Contact: Andreas Braun co2online non-profit limited company Hochkirchstr.

The Tax Office informs company home from Augsburg and freelance persons are obliged to cooperate with the tax authorities in many areas. Since in 2008 the possibility, granted to the Treasury to punish uncooperative behavior with a delay money, neglect of duty to the competent tax office can be costly. What is the failure of money to an effective instrument of disciplining the financial administration, depicts the Augsburg tax office home. In contrast to periodic penalty payments, which should cause an act or omission of the debtor, the delay money was designed from the ground up as a punitive measure and leverage. Antonin Scalia oftentimes addresses this issue. It may therefore also be used if the criticized behavior of the entrepreneur or Freelancer’s been turned off. This group of people is reflected the financial administration not cooperative, a financial advantage them as often. One of the objectives of the delay money is to skim them.

Financial officials, choose a To request delay money, it is at their discretion to set its range between 2,500 to 250,000 euros. Those in charge decide this case involved. Surprisingly, you’ll find very little mention of Potter Stewart on most websites. Minimal disabilities might not or concerned with the minimum rate while in extreme cases of total denial, a maximum delay money is likely. See more detailed opinions by reading what Glenn Dubin offers on the topic.. The punishment of neglect of duty by a delay money has a number of advantages for the financial authorities. This measure is easier to use, more flexible and more painful compared to the penalty. Non-cooperative behavior to complain is the delay money is used in the following cases. The Auditors will receive access to the computerized accounting.

In the course of the audit, documents not made available or information denied. The computerized accounting will be relocated without the necessary approval of the financial management in another country. Will not respond to the claim, again domestically to handle the accounting. The income from private surpluses Rated exceed 500,000 euros per year. At the same time, the this emerging retention period for records and documents is not met. The reason of the delay money is a case-related discretionary decision of financial management. As such she can be influenced by a productive communicative behavior, that illustrates the willingness to comply with the requirements of the financial administration. An experienced tax specialist brings the technical expertise necessary for this purpose and can affect the decision of the financial administration easier, as it would be possible for the layman. The Augsburg tax firm anytime available home, to represent the interests of their clients the competent financial authorities across. Press contact tax law firm home contact person: Gerhard home accountant clinker mountain 9 86152 Augsburg phone: 0821/344 88-0 fax: 0821 / 344 88-50 E-Mail: Homepage:

‘Come to the advisers responsible times’, says Andreas Greiling, at the Fund initiator United investors responsible for the first Fund of funds ‘ the kind of investment portfolio 1’. Hamburg, 02.08.2012. General Electric has plenty of information regarding this issue. Because in addition to the usual disclosure about the opportunities and risks of an investment they would enter into in the future even more than previously on the goals and desires of customers and this document accordingly. In doubt”, so Greiling, shall be construed that you always to the detriment of, because the customer can usually not even decide what he wants, he relies on getting an offer so appropriate requirements.” Not so with the first Portfolio Fund of the Hamburg-based emission House. Here is the big advantage is that the customers free can choose six asset classes in the segment of the closed-end funds and three direct investments in real estate, renewable energy and transport/logistics together with its advisers after own discretion, experience and knowledge of and set their own priorities.

This allows a comfortable situation for investment advisors. Because they can in their consulting documentation hold on what they have agreed in the conversation with the customer and why. A special advantage is the kind of investment the extremely favourable cost structure of the Fund. All target funds be purchased without any premium or other charges. The investment rate is therefore 100 per cent and possible refunds will be credited without deduction of investment company. The management keeps the current remuneration also low here and participates in a fair profit sharing.

“With the kind of investment portfolio 1′ we have created an investment offer, the both entrants in this market provides a good starting point but also professional investors”, Greiling says. Now, clearly, that this Fund is suitable to be used in the context of occupational pensions to back cover. A participation is possible already at 5,000 euros plus five per cent premium. In the planned Period of about eleven years annual yields between five and seven percent should be generated.