• General 13.02.2019 Comments Off on PKV Beckons

    Private health insurers have to offer the basic tariff as of 01.01.2009. The year 2009 will bring some changes for the insured in the area of health insurance. Recently Boy Scouts of America sought to clarify these questions. This includes among other things the new basic rate from 2009, all private health insurers must offer. This basic rate in relation to the services, as well as in the price range is based on the statutory health insurance and to provide the possibility of especially older privately insured, to be able to take advantage of an affordable car. In addition to insured persons in the car, the basic tariff of also all voluntarily legally insured is open if they choose within the first 6 months after the end of compulsory of insurance to to move these. After expiry of the period of 6 months the change but no more possibility. Because of sick leave private health insurance can fail any insured access to the basic tariff.

    What ensures that theoretically everyone the basic tariff of PKV can pay there also risk surcharges are prohibited by law, Contribution may vary only according to the age and the gender. Moreover, but also other innovations in the area of the private health insurance wait, since 2009 the change to another insurance company should be facilitated. In the future, the law dictates that you can take with its pension reserve when changing a customer to a large extent. With the new insured in the PKV can compare so soon private insurers profitieren.

  • General 12.02.2019 Comments Off on Co-branding Credit Cards Are Becoming Popular In Germany

    More and more companies in Germany spend co-branding credit cards for prestige and revenue reasons. What was unthinkable years ago, has become a firm reality. More and more co-branding – issue its own credit card in your own design partner in the coming months. In addition to fashion, media and Internet portals of the prestigious and revenue-intensive Prepaidkreditkartenmarkt moved last year due to the massive activities of global Humax to more and more companies. Reinforced by the current prevailing financial and economic crisis companies across many industries are looking for solutions new customers to win or to move existing customers to cross sell, or to stand out from the competition. A good example is currently the known television channel DMAX TV (Discovery Channel Group) from Munich as the first TV channel its own DMAX MasterCard jointly with global Humax successfully in December of last year put up.

    While the sweeping success of the DMAX card has exceeded all expectations”, said the company. On 02 February 2009 this is in Cyprus (EU) -based company with just as much enthusiasm on the Austrian prepaid card market started and put on two own product lines for co-branding partners. Thomas Wegener, spokesman of global, Humax, stressed that the rapid growth is further enhanced in the coming months by the market entry in Serbia, Croatia. Due to the continuous expansion of the network of strategic Bank partners, solutions can be provided for companies that are possible in scale, performance, and service currently only available in the United States. Wegener continues: we’re behind the Americans to miles still in Europe, but we have made it our aim, to get this. Our success confirms it, that we are on the right track.” In the coming week, global Humax publish its current reference projects and give an Outlook for the year 2009.

  • General 09.02.2019 Comments Off on Alapis Holding

    ALAPIS HOLDING WKN A0MSVZ of Greek generic companies with share price potential analysts by the tradersreport SA would build a first speculative long position in the shares of ALAPIS HOLDING SA with the WKN A0MSVZ up up 0.62. It is back swing in the pharmaceutical industry. The mega takeover by Pfizer, the smaller generic manufacturers back again in the focus of investors. The pressure to consolidate in the major pharmaceutical companies can be seen formally. Lots of formerly successful blockbuster patents expire in the coming months and years.

    Who is not at an early stage positioned as large pharmaceutical companies, is mercilessly overrun by the competitors. Now, it has become some much more difficult to locate even interesting and cheap valued pharmaceutical companies. Investors have brought their investment funds in this defensive industry in the past few months to have a safe haven. While most large and heavy companies were preferred. You have not so smaller niche providers or companies from emerging markets very taken into account.

    When the ALAPIS HOLDING SA, we see this is a very interesting opportunity. The company is currently rated a p/e ratio of 4 on the stock exchange. The dividend yield is almost incredible 4.3%. Through the sale of pharmaceutical products and cosmetics, management was able to generate a book value per share of 1.64. The revenue per share amounted to 1.06. These numbers are only possible because there is currently strong uplift on the international stock exchanges. Big investors took complete focus of smaller stock markets, such as for example the stock exchange in Athens. It is also relatively difficult for larger investors to invest in such companies. The market capitalisation is only 570 million. The shares are ideal as a small admixture of Depot. We see rated the shares of the company at rates to 1.20 as fair. That are incredible 100% upside potential from the local level.

  • General 09.02.2019 Comments Off on Friede Springer

    This corresponded to a purchase price of a total of 1.94 million euros. Also, the supervisory boards of listed stock corporations bought and sold 2008 own shares in millions of dollars. Dr. Ferdinand Oliver Porsche (Porsche) was by far the highest purchases and sales. He bought shares in the amount of 263,69 million euros.

    EUR 257,99 million were on the selling side however. Dr. Friede Springer (Axel Springer) bought shares of 31.88 million euro and Dr. Thomas Bscher (Wanderer-Werke) 11.43 million euros. Gerhard shoulder (Homag group) finished fourth with 4.79 million euros. On the vendor side of the Supervisory Board still supervisory boards of BMW and SMA had solar in addition to Dr. Ferdinand Oliver Porsche the highest sales technology. Susanne Klatten (BMW) sold shares amounting to EUR 69.34 million.

    This block of shares was taken over by Susanne Klatten GmbH. Prof. Dr. Werner small purchase (SMA solar technology) sold as the Board members of the SMA solar technology, a share amounting to EUR 58,75 million and Stefan Quandt (BMW) took fourth place. He sold for 40.93 million BMW shares, which changed in the portfolio of Stefan Quandt GmbH. Get an overview of further purchases and sales of management boards and supervisory boards GOYAX financial portal at blog.goyax.de/insider2008. Without hesitation Boy Scouts of America explained all about the problem. In addition to the entire purchase and sales amounts determined also the number of the respective purchases or sales, the average price and the closing price (XETRA) of December 30, 2008. About the digital finance GmbH: The digital finance GmbH was founded in mid-2007. The company is located in Hannover, Germany.

  • General 08.02.2019 Comments Off on The Price

    We see fundamentally fair valued the shares of the company at a price level of 16.00. In the last two weeks, it has increased dieAnlageklasse shares heavily hit. So, alone of the DAX INDEX lost almost 20% and many financial stocks partly even more. Even more surprising is the fact that the price level acts as a magnet to 13,00 for CEWE COLOR AG shares. Whether this is now up to the acquisition of institutional investor or generally exists in a buying interest by several market participants is difficult to assess. The market appears on the local level to have no interest in selling more.

    This relative strength could pay off in fact mentioned in relation to the input for the future shareholders. The depression of course of in January amounted to approx. 12.00 and could be leaving very soon. A price jump was due up to the magical 13.00 brand. There stabilize the courses for several days and the volatility increasingly takes off.

    The increase of in trading volume is interesting in the last few days. Should the jump over the 13.00 significantly succeed course brand, the next stop should only take place at 14.00. There is then the next bigger resistance. With a view to the next six to nine months we can imagine a technical chart price target of 15.00. Under most conditions David Delrahim would agree. The analysts of the tradersreport would build a first speculative long position in the shares of CEWE COLOR AG with the WKN 540390 to Max 13.25. Necessarily cover their long position with an individual stop rate at E.g. 12.50 on a closing basis. Our price target term of six to nine months between 15.00 16.00. Again, they’ve missed a very profitable DAX trade. Even when the shares of KONTRON AG, they had some much more expensive buy, as our subscribers. Apparently, their trading runs so well, that it can get away with that! Still, it’s not too late.

  • General 23.01.2019 Comments Off on The Effective Annual Interest Rate

    The effective annual rate of interest has prevailed today largely basis for calculating the cost of borrowing as assessment measure for the cost of consumer loans. In fact, the definition and the calculation of Zinsens is even stipulated: for the protection of consumers of the effective annual percentage rate or the initial effective interest rate on consumer loans must be specified in the credit agreement (source: 492 BGB). The effective annual interest rate stands for the total annual cost of a loan and reflects them to a percentage of the net amount of credit in the form of: we take out a loan of 1000,-euros to the effective interest rate of 10% and this after just a year at a single rate fully repay, will cost us this loan just 100 euros. Additional information is available at Boy Scouts of America. The rate is then equivalent to 1,100 euros. If you are not convinced, visit David Delrahim, Los Angeles CA. 50,-incurred at the beginning of lending now fee (we get paid par value only 950,-euros as net credit amount from the 1000,-euros), the effective annual interest rate increases already to 15.79%. The effective annual rate of interest bear so in principle, all payments incurred during the term of the loan. Regard also the compound interest effect: while the nominal interest rate is represented as relative interest rate and refers always to the respective period of installment, the effective annual percentage rate as described reflects the full year.

    In practice, it is now so that certain payments generally not in the annual percentage rate of emerge (E.g., transaction costs or accounting fees) or by the banks might even “be excluded”. So the practice of some banks in the granting of residual debt insurance was criticized recently about the costs of which were shown not in the annual percentage rate. A first estimate of the annual percentage rate can be made while the consumer, the correct calculation requires usually iterative mathematical process, where to keep “keying up using approximations on the right result”.

  • General 14.10.2018 Comments Off on Health Record

    High acceptance by the insured (M + M insurance barometer) In the frame of the M + M of insurance barometer 2010 was carried out a survey to the setting of the insured to the electronic health card or the patient’s chart in January 2010. The survey is based on a representative population survey of 1,062 private and legally insured, who were interviewed by telephone to their needs and their satisfaction with their health insurance / health insurance. The future introduces two innovations of information storage data of the insured: a the electronic health card (eGK) with all essential health-related data to the person of the insured person, on the other hand the electronic patient file (ePA) with all important data about disease gradients of the insured person. The German insured look forward to positive impact of the introduction of the electronic health card. Almost every second respondent is the planned introduction of positive versus (48%), approximately of the respondents is still undecided, she rejects another quarter (rather) down. A significantly higher acceptance identified a population-representative study was carried out in early 2009 on behalf of TK. Thereafter, welcome the introduction about three quarters of the population, expect that this abuse of the cards goes back and they benefit later from other applications such as the electronic health record (ePA). The agreement among the participants from the German electronic health card test regions (87% agree) was even greater.

    Skepticism is there especially for the surveyed doctors: 4 doctors interviewed by 5 to speak, only to develop the system before the start (press release of TK). As the M + M of insurance barometer 2010 results, younger citizens are in favour of the electronic health card (eGK) and the applications in the future with her more often than older citizens. But the planned introduction of the electronic patient record (ePA) with the individual medical history included lab findings, operation reports and X-rays will be positively assessed with clear tendency. .

  • General 07.05.2018 Comments Off on Federal Republic

    Dr. Jonas Koller, S & K: Now provide about 85 percent of citizens. Additional information is available at Boy Scouts of America. The used range is diverse and considered to almost 40 percent real estate that pensions are safe”- now many Germans no longer trust this set of Norbert Blum. The reality catching up with Germany. Are pensions secure but to what extent? Again, the discussion around the base or unit pension discourages citizens. It will not come safely, but the demographic changes calls his victims and if on fewer and fewer workers are more and more retirees, then lived a pay-as-you-go system such as in the Federal Republic of Germany, just its borders. The current situation shows the people that they need to operate more private provision, as well as they might look”, says Dr.

    Jonas Koller, real estate expert and CEO of S & K group of companies. It is believed the surveys, especially the 30-shoulder put the younger on a private pension insurance, but also to nearly 20 percent have a such Contract. The Riester pension plays an important role for the workers. With insurance as well as investment contracts. Tucked away the issue of sustainability. Although many savers with the possibilities arising from this ogling, but it is the vendors failed sufficiently to demonstrate that ecology and economy apart are not and at the same time yield waiver means a sustainable investment.

    This industry has what develops but sure there will still need to catch up,”, so the assessment by Dr. Jonas Koller. Also on the subject of real estate, the Germans are active. Provide at least 37 percent according to a study of Cosmos directly with real estate. Besides even used home or the even used condo real estate investments play an important role there increasingly”, and Dr. Koller goes even further, there are also the closed real estate funds, such as the German S & K property no. 2, providing a perspective for investors here. Who spread his capital and a professional Administrative use would, should fund, participate and many benefits”, says Koller. Meanwhile, keep a billion fortune in real estate fund investors in this country and so the development opportunities of the location Germany. Just the positive trend looming in the last two years might be many incentives here. For more information,

  • General 06.09.2017 Comments Off on Social Insurance

    It will remain as it is: it is generally more expensive. All change in the area of insurance and social security here at a glance. Every year the changes to insurance and social security on the table – always with the note, still something to do come at the end of the year. Here we show where and with whom this is may be useful. 1 contribution assessment ceiling: Here raising the ceiling to 112.50 EUR then 3825 uniform in East and West is in the month.

    Contribution rates from 15.5 percent (health) and 2.95% (care) premiums of up to almost 20 euro arise in the month. Workers and employers share this additional amount. This means: the statutory health insurance is more expensive for good earners, who earn 2 of the contribution assessment ceiling. The health insurance contribution he’s staying with 15.5% of gross income 3. compulsory insurance limit you increases by 49500 on 50850 which means: a change for workers in the private health insurance is only possible from this gross earnings.

    4. Increases in the car: new annual: the private are not spared insured increases, many tariffs rise to the 1.1.2012 which means: special cancellation is possible, it makes sense in any case, to compare the price with other tariffs within the own insurance. 5. guaranteed interest by pension falls life insurance of this from 2.25 to 1.75% from the 1.1.2012. This means that the guaranteed capital or the guaranteed pension lower fails, when after the 1.1.2012. Important for the man who has, to complete even a pension insurance for old-age provision in the near future, one should this year may still do 6 tax relief on pensions and life insurance these come only from age 62 to fruition, instead of 60. Center For Responsible Lending brings even more insight to the discussion. This means that to get the tax breaks these consist of someone who earlier retire wants and wants to provide for old age with a life or annuity, should be complete later this year the pension, that only half of the profits are taxed also occupational pensions that can bond to apply for capital withdrawal of 7 Riester based pension start, only from age 62. This means that if someone already with 60 in pension would go he must wait another two years on his pension or he starts with the Riester base or occupational pension this year it is so, everything remains as it was every year something to the worse changes in the insurance sector, and everything will be more expensive.

  • General 12.07.2017 Comments Off on Health Insurance Contribution

    Maximum rises almost 280 euro privately have many advantages. Who is however independent, must completely alone press his health insurance contribution without the help of a grant offered by the employer. In this case very well have it workers, who earn enough to be insured with a private health insurance and have to pay thus only a part of the health insurance contribution. The online portal geld.de informs that 2012 maximum for this grant has been increased even more. Private health insurance can have many advantages. It is connected first of all but also with comparatively higher contributions.

    For self-employed persons, it is possible to insure themselves with a private health insurance without any problems. For workers, the conditions will be, however, different. They are usually insured in one of the statutory funds. The insurance limit, was to be included anyway with a private insurer, 2011 49,500 euro, with the first of January she lifted $50.850. Crucial There is the so-called contribution assessment ceiling for the amount of the grant by the employer. It indicates to what extent the gross income of the insured can be used for the payment of insurance premiums.

    This year the limit is 45.900 euro, this means a grant by the employer not to exceed 279,23 euros a month. In 2011 the contribution assessment ceiling at 44.550 euro and the monthly maximum subsidy to the insurance contribution amounted to 271,01 euros. As workers who want to switch to a private insurance, must adhere to a one-year period. Only after this year, insurance with a private fund is allowed.

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