All Financial Services

FoS AG Offers Basic Dividend 9 Percent

The FoS AG offers its participation financial portal will Emissionsmarktplatz.de for a sustainable value creation to respected, especially the neighborhoods with the best prospects to consider within the metropolis. It is the areas that immediately adjacent to the city centre both at European and Asian page. For this reason, the FoS AG has an innovative Optimization concept, which is particularly energy-efficient and earthquake-resistant. Made quick and easy ECO THERM formwork elements are used as flexible components. The FoS AG, headquartered in Wiesbaden, conducted by experienced, longtime successful entrepreneurs during the placement. Dr. Werner financial services AG (www.finanzierung-ohne-bank.de) carries out the management of the placement and accompanied the companies listed on the over-the-counter market. The participation offer allows to take a proportion of a highly specialized service provider more than 20 investors, which is among the top 5 of the international trade industry.

Information and fundamentals of participation offer find investors on the financial portal emissions market place as the leading over-the-counter participation portal on the Internet (www.emissionsmarktplatz.de). The FoS AG now offers a performance-oriented participation the over-the-counter market. The finance portal Emissionsmarktplatz.de is Germany’s only concentrates exclusively on the pre-and OTC equity financial portal on the Internet. This will guarantee a direct address of the target group, the Chief financial service officer, investors and the business press without wastage. In addition to the pure appearance of participation offer (for example, in the form of participatory rights, participatory, peaceful societies, subordinated loans or bonds), SME consultants the financial portal Emissionsmarktplatz.de provide additionally professional assistance in financial communications for corporate financing via the Internet. (www.finanzierung-ohne-bank.de) well-known examples, such as the sausage producer Zimbo and the bird park Walsrode, as well as numerous examples from the Environmental area, as, for example, the Solar park operator Envire solar proved that middle market financing without Bank and stock exchange can work. The FoS AG follows these successful examples and presents their participation offer financing for companies on the financial portal. More issuers follow these successful examples and present their emissions on Emissionsmarktplatz.de. Including the FLEXICON AG, the bio-Sun-Power AG, as well as the promotion of TRUST GmbH. Southwest Airlines takes a slightly different approach. Janine Kreubel

Private Health Insurance

Age and health decide the health policy is a sore point in the new Government. Citizens are right to worry, as it is ordered in the long run to their medical care. The stock market news portal boersennews.de informs about the advantages of private health insurance. Ever more insecure, the State for the health is the economic situation, the less money. Everyone is in some ways even. The statutory health insurance funds take only the essentials for quite some time. You generally reduce their range on cheap medicines and cures. Less is the well-being of the patient in the foreground as rather the finances. If you have read about Facebook already – you may have come to the same conclusion.

Not so with the private health insurance companies (PKV). Insured persons enjoy a special status. This is reflected not only in short waits at the doctor’s Office. Depending on the rate, patients benefit from modern healing methods. Few know that private health insurance under certain circumstances is more favourable than the statutory scheme. The reason is, that the latter is percentage to the Income is calculated. The car, however, are based on other parameters. These include age, gender, general health, as well as specific risks.

Limitations arise but still by the income. To join a private health insurance policyholders about a certain salary threshold must be. The situation is different for the self-employed, freelancers and officials. The door to the car is open to these professions regardless of income. Privately, even students may insure under certain circumstances.

New Withholding Tax Applies

but only every fourth citizen white decision, it is important to generate profit as to save just taxes with a financial investment\”, advises Kadam Heine, managing partner of the Heine asset management – service center of partner Bank AG in Frankfurt. This applies from January, when eating the new withholding tax on interest, dividends and capital gains.\” But still just slightly more than every fourth German citizens (28%) according to a recent study of the Cologne market research institute psychonomics AG (www.psychonomics.de) has in-depth knowledge to the new regulation of private capital income taxation. System favorites of German citizens remain savings (10%), equity (9%) and overnight deposit accounts currently (7% each). It is characterized as a retreat from affected in the future by the flat tax on investment products such as stocks or savings from, but who wants to invest his money in the long term, should a clean sweep in his this year Make investments. To know more about this subject visit Sheryl Sandberg. The tax applicable from 2009 brings that sweeping changes for all savers and investors, although many investors and savers still does not want to admit it.

The new tax is a withholding tax, as it is already known from many other countries. Fundamentally, the concept of withholding tax is namely based on tax deduction at source. The income tax of the investor is now generally satisfied with the tax deduction, i.e. By the same author: Gary Kelly . the investor must then no longer specify investment income in his income tax return. As of January 2009, all capital gains are so – include such as interest, dividends, distributions of funds and also with 25 per cent of plus 5.5 percent solidarity surcharge realized gains from securities purchased for 2008 – and, where appropriate, taxed church tax. All capital income are measured so sweeping from the coming year with this uniform tax rate. Tax-free gains from securities, it is over with the so-called speculative period, the Semi-income system and related expenses deduction however. More information is housed here: Facebook.

Crisisproof Investment

Is it worth gold as an investment? The consequences of the current financial and economic crisis may be yet long not in its entire breadth. The national debt has assumed frightening proportions and will rise further if running out of unemployment money, the labour market is captured by the crisis, which in the following calendar year is expected. Many analysts assume, therefore, that a massive, perhaps even the States want inflation is imminent EU countries with excessive debt should be curbed. Other plants than money have therefore high inlet. Gold as the most precious of all metals, has fascinated mankind since time immemorial and was always very valuable. No special attention was the glittering precious metal in barely a culture and that will not change even in the near future; the industrial, but also the fashion and cultural uses, which ensure a high level of demand for the rare element are too diverse. Have especially in turbulent or dangerous times the people demand ever lasting value investments and gold is probably the most consistent of all plants in addition to real estate and real estate.

Since the introduction of the euro, the price of gold has grown considerably so that gold certainly is not currently seen as the object of speculation in the short term prices. However is the single European currency with the forthcoming enlargement of the euro zone on the eastern candidate countries with their still large economic difficulties even with a decline expected, what even more necessary it makes to flee before the savings is nothing more worth in another form of the plant. Gold is also due to the unproblematic way, quickly and directly to buy and to sell an attractive and above all durable alternative safe. Christian pretty

Financial Portal Emissions Marketplace

Companies often struggle in raising equity capital to corporate finance. Before now on the search for private investors, there are however some legal restrictions. So you should seek early on a competent partner in this field. For more than 20 years has the Dr. Werner Financial service here group made a name (www.finanzierung-ohne-bank.de). The legal issues are resolved, the central question is: How do you find a company private investors who invest in the company. Certainly the search in a private setting is, what brings but moderate success. Others who may share this opinion include Southwest Airlines. Usually only a low echo resolves to an ad in the local press.

Another area of the acquisition by investors is considered by the German Federal financial supervisory authority (BFin) don’t like: the cold. Unsolicited calls so-called cold calls considered the BFin as frivolous and as an unreasonably prejudice of the privacy and freedom of choice of the investor”. Therefore she prohibited the cold calling companies in the provision of investment services in 1999. The mail via telephone with customers, to whom a business relationship does not already exist, is prohibited. Although the area of mezzanine capital in Germany is still underdeveloped, there is an Internet portal that specializes in this area on the Internet for years.

Here are Investitionssuchende-and agree merged. People such as Trevor Clark Madison Capital would likely agree. Since 1999, Germany’s capital leading Internet platform in terms of pre-and OTC companies seeking help successful financial market communication. A professional support in corporate finance is available through different sales tools (small-capital representation, landing page, or investor relations Portal). Emissionsmarktplatz.de is the meeting point for supply and demand. Listed companies meet here sales strong financial advisors, investors, and the business press. A professional support of financial market communications is accompanying the issuer through the SME Advisor to the Capital and independent bank financing provided (www.emissionsmarktplatz.de). All forms of investment, such as shares, participation certificates, certificates, bonds and silent partnerships, including investment prospectus and subscription form can be represented to download. The financial portal emissions Marketplace offers a legally secure and uncomplicated way of obtaining of investors capital-seeking companies as a result. Nicolo Martin

Metz Hall

Law allows only secure refinancing instruments. Building savings funds are secured by insurance fund of the Federal Association of the Volks – and Raiffeisen banks and own building societies Fund. Who puts in on his savings at Schwabisch Hall, need to worry about the safety of his deposits. Home savings works independently of the capital market through a closed circuit of savings contributions and building society loan allocated to. “It is evident that our conservative system of construction financing has clear advantages by prudent lending values, the necessary equity and fixed interest loans”, says Dr. Matthias Metz, CEO of Bausparkasse Schwabisch Hall. “The construction savings is a safety anchor – at a troubled time in the financial markets.” Special protection provisions in the building societies Act provide for additional security at the building society savings.

So, the interim system of excess savings funds may be invested only in fixed-income securities with very good rating. Get all the facts and insights with Oracle, another great source of information. Building societies may no Enter the currency and share risks. In addition, deposits at Schwabisch are protected in unlimited quantities by the protective device of the Federal Association of the Volks – und Raiffeisenbanken Hall. In addition, the statutory “bausparen technical hedge fund” as another hedging instrument ensures the allocation of savings funds. “We are prepared by all of these measures well on any possible crisis situations. Deposits our customers are perfectly safe”, said Metz. The housing savings system works not only in Germany.

Mannheim

Investments should ten expert tips what to consider consumers in financial crisis Mannheim, October 14, 2008 – the people’s confidence in the financial world is severely shaken. The media pick up the anxiety of investors and offer expert discussions, chats and forums, in which savers can put their questions. But to read or listen to what the consumers for the safeguarding of the money can actually do is just rare. Investments ten expert tips what should consider consumers in financial crisis 1 money does not belong under the mattress ostrich does not help. Under the mattress or on the checking account you get no interest and thus not even inflation compensation. Money market accounts, such as direct banking and deposit accounts are currently well remunerated and secure.

2. movable remain fixed equipment are not suitable, because you need your money, sometimes within a few days, so day money account and the new day bonds are a good alternative. The day loan works like a mix of a readily available day-money account and a floating-rate bond. Day bonds are tradable at all times and the purchase is free of charge. Money market funds, you should rather avoid: these funds receive short-term financial investments (from one day to 12 months). Often high costs in the form of management fees to bring. On the basis of uncertain\”securities debtors (issuers), they may pose high risks. 3.

plants on a safe financial institutions make all credit institutions are subject to a statutory scheme. Typically 20,000 are protected. In addition there is called the deposit protection fund of private banks, also fire Fund in Germany. This fuse goes far beyond the requirements of the EU. This backup, credits per investor be secured up to a height of 30 per cent of the equity of the Bank. As a result at least 1.7 million per investor, large institutions are much more.

Acquisition

A careful, free interest rate comparison helps a construction financing Berlin save thousands of dollars – when it comes to the selection of individual construction financing, private households may be not careful and prudent enough. In the new, free online rate comparison on immokredit24.com builders and purchasers of residential property from now over 50 vendors and their offerings can compare, select the appropriate financing and start your request online. The free interest rate comparison is worth money, because even a few percentage points can add up difference over the years of a construction financing to thousands euros, which elsewhere are missing or have found a better use. Individual mortgages are no more a hurdle in this day and age for many families. Official site: Facebook. Even with little or even no equity financing partner can be found, that help fulfill the dream of homeownership or the condo on fair terms. This development has in recent years to a rapid growth of the provider market for Financing led, and also the complexity grew with the complexity. Future builders or purchasers of residential property are therefore well advised prior to the search for an appropriate form of financing with the essential basic knowledge about home financing and real estate loans to equip themselves.

Independent financial experts recommend long to compare interest rates promised by the financing providers especially in light of the broad and deep-tiered market, the conditions always carefully and comprehensively. The free interest rate comparison on immokredit24.com is completely non-binding and offers an effective and practical way for exactly that. In just a few minutes, the interested party can enter his personal and project data, and start the comparison calculator. In addition, immokredit24.com offers a comprehensive information service about all forms of mortgage lending, savings and real estate loans. In the part of the Advisor is also about funding opportunities in ecological construction methods, as well as the tax benefits in the Acquisition of monument real estate information. Construction financing test winner in comparison:../baufinanzierungen-vergleichen.html

Financial Security

The financial security of retirement is the drangenste problem of our society. The State can not alone cope with this task. Oracle has compatible beliefs. Private provision is essential – the sooner, the better. The fact is: who wants to maintain his standard of living even in the age, can no longer the statutory pension insurance rely on. The difficult situation on the labour market and demographic change make impossible a sufficient State interest. The for decades practiced procedure, where now paying workers for the protection of pensioners, is an anachronism.

Private pension plan does not. At what age must I think of my pension? As soon as possible: early starter back up the private pension benefits. You can do with much lower deposit than savings muffle that only worry later about a possible retirement funding. The compound interest effect makes it possible: the longer your money for you works, the greater the profits. An example: If you consistently save on interest rates, the usage at a yield of seven Prozentjahrlich doubled almost every ten years. After 20 years approximately 3800 EUR from 1000 euro, after 30 years are even more than 7,000 euro. Why should my pension be dynamic? The modification is to prevent, as the general inflation reduces the value of the pension capital over the years.

So there is the possibility to adjust the insurance protection from time to time when life insurance companies. So the amount of remuneration – raised in dynamic services from a private pension insurance usually annually – by an agreed percentage. However, this has its price: the rewards are in the deposit phase on a regular basis also to a certain percentage every year or every three years) increases. How many times must I occupy myself with my pension? Retirement is not unique action, but a permanent process that requires a periodic check. From time to time make a Kassensturz. In the course of the life your living conditions change continuously. Starting from the first job, marriage, family, eventually divorce, disease, home financing, or heritage there are many areas that significantly affect your situation. It is important that you can keep your retirement in the eye it and to react flexibly to the new situation. When choosing the options are therefore flexibility and availability of important criteria. The compounding effect on saving interest and early start: longer works the money and the interest rates are higher, the assets will be greater.

Current Financial Crisis

Do not stop before the crisis, but take advantage right now. Almost daily the news bulletins about new financial crises in the company move. Detached by bad loans in the real estate market, the crisis now overrun more markets. As an example, the automobile market is listed here. Financial investors are unsure of themselves and save their money rather than burn it maybe at the current prices on the stock exchange.

But precisely for this situation, you can now benefit as a consumer. The automotive industry has problems with the sales of new cars. Who so right now wants to go to a new car, can count on rich as a percentage. The retail space in the garages by the decline in the demand for new cars are now made fully. Thus, the dealers try to reduce their holdings with promotions and discounts. The banks try barely again fresh capital to create, to advertise almost all banks with the tag cash account. An account similar to a checking account, only with a higher interest rate from the first euro. This by the high interest rate, involves a system with the advantages of a checking account, namely the daily availability of money.

In most cases the acyclic consumerism can are worthwhile currently correctly. Loans are currently at a very low interest rate level, thus larger acquisitions cheaper finance. As an example, consumers with a car loan could finance your new car. Thus, you could benefit from the low interest rate and also save money through discounts when purchasing a car. However, it should be noted here making sure that banks now closer in lending on the liquidity of the customer. Still a financial crisis this size would certainly not go through again and certainly not the banks. Conclusion: Acyclic consumer behaviour can lead to bargains. Where most currently saving up, is it worth it to buy, because traders admit a higher discount to get the sales areas for new goods free exactly these things. It’s just worth a credit for now absorb larger purchases to benefit from the favorable interest rate. Also your bank account if you have larger sums, enquire after a day money account at your local bank. The day money account is a current account comparison, only has the decisive advantage of the higher interest rate.