Tag: finances

Financial Control

November 23, 2014


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Only Summer Academy in Europe takes place in June in the entire billing process and the financial control of EU structural funds is difficult to be fit. It is important to possess in-depth knowledge, as well as to know the connections between all institutions involved in order to understand the big picture. Within a week, that will practice experts for financial control of EU funds on the European Summer Academy in Berlin. From 27 June 1.Juli is financial control of EU funds at the 4.Europaischen Summer Academy about the entire process of the financial control and verification by European structural funds. Practical workshops, exercises in small groups and case studies to deepen the knowledge in the financial control activities and improve the techniques. The programme of the five-day event provides detailed information on the following topics: first level control review of administrative on-the spot checks of audit / samples management evaluation of the performance criteria aid and rules of public procurement law Risk assessment using the simplified cost accounting design of the accounting system dealing with auditors and Bescheiningsbehorden after each daily workout participants must complete a knowledge test. Upon successful completion of all modules, the experts awarded your diploma by the European Academy for taxes, economics & law. More information: fileadmin/user_upload/dateien/conferences/Summer-Academy_Financial_Control_of_EU_Funds_PR.pdf Stephanie of Macdonald.

German Financial Resources

September 21, 2014


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German financial resources AG / DFK AG: MehrNettoCard rewards customer loyalty with every purchase of Kaltenkirchen, October 2011. The German financial resources AG / DFK AG their advice offensive more net, more joy continues. Latest project of DFK AG is the MehrNettoCard: online shopping, customers receive cash back from 10 euro refund claim payouts are possible. Net continue the advice of German financial resources AG / DFK AG on the issues of investment, insurance and pension programs provide for more. What is the optimal way to more net”and to a maximum of financial freedom? The German financial resources AG / DFK AG delivers a holistic response that covers virtually all areas of private financial planning on this issue for many years. Based on the advice of German financial resources AG / DFK AG is developed in-house, 7-benefits concept. The DFK consultants this first carry out a detailed analysis of the subsidy, the customers tax savings as well as State Funding is transparent and allows him to exploit them fully. “For more net” provides the German financial resources AG / DFK AG at the same time with a health insurance check, whose focus is a detailed tariff and benchmarking.

In a further step, the DFK consultants create a private balance and develop viable solutions for the long term asset optimization with participatory rights or real estate, for example. The annual insurance analysis, where the German financial resources AG / DFK AG focuses on the entire insurance protection to the test and provides a meaningful balance between risk prevention and cost optimization is a further focus of the deliberations. The individualized, multi-stage consulting concept of German financial resources AG / DFK AG has proven clearly according to the customers. With the MehrNettoCard the German financial resources AG / DFK AG extends its versatile performance now. The MehrNettoCard the possibility of private households, comfortably in more than 1,000 online shops to buy and save up to 60%, or to get back up to 35 per cent of the purchase price.

Provisiosnzahlung Commission

September 17, 2014


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Independent financial advice has become indebted financial advisors through the often precarious situation of the financial advisors of utopia of which there are many. Internally, one speaks about 50,000 agents and more. Many of the aforementioned intermediaries working in industries where it is common to have a longer time of cancellation liability, this is sometimes more than 5 years. However often in advance, many brokers get the Commission. If the customer can no longer pay his contributions, for example, for a life insurance policy, the employee is obliged to pay back the not-earned share of his Commission. We know cases where intermediaries are indebted with 100,000 euro and more.

You no longer comes out of this debt trap yet this debt trap makes it more the consultant often impossible to switch to another company. He must then sell products under circumstances which he keeps himself for risky or not suitable. Here, the legislature with a new regulation of the financial markets must counteract. Commission payment in installments is from our point of view the magic word. The broker would then only the percentage of the Commission paid out the really has earned. Thus such debt situations would have avoided largely. Moreover, free agent would have the possibility to sell so-called “cancellation-free products” such as gold, with a one-time payment and real estate funds. The tied agent could enter a temporary contracts by about 12 months. During this time, the intermediary would then have the opportunity to set up a monthly, ratierliche Provisiosnzahlung in then guaranteeing him his.

Comdirect Private Finance

June 4, 2014


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to be regarded, because they under determining the comdirekt bank AG bound was. The comdirect was private finance AG therefore have their customers comprehensively the commissions collected by the Agency (so-called kickbacks or rebates) the reason and the height to indicate, to disclose the conflict of interest related. The infringement of this duty of disclosure resulted in a customer’s right of damages and rescission of the total contribution. You have completed a Fund’s contribution to the life insurance funds HSC Optivita X UK or other closed-end funds with the advice of the comdirect private finance AG and were not informed about the commissions? We like to enforce your claims for you.

The Association

May 10, 2014


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Press message BuF e.V., March 2013 08.03.2013 international women’s day Association of independent financial service bar grooves (BuF) advises: get tips on care and education time expertise for sustainable financial strategies before 102 years, Clara Zetkin called international women’s day in the life, which is now observed on March 8. Much has changed: women are highly qualified and take on positions of responsibility. Are special financial planning at all still up to date? Very clear yes”, says Kris Hauf, Chairperson of the Association of independent financial service bar tray. Kris Hauf: The Association of independent financial service bar trenches advises many women. From our experience, this is useful in any case. Financial behavior and income situation, there are still big differences between the sexes. Women assume responsibility in many special situations they educate their children, for example, or maintain ill family members.

In these times, they are often in a lesser extent employed that reduces the current earnings and presses also later pensions and pension rights. This prudent financial planning is even more important: the living must be still well covered. Earnings fluctuations may strangle not contribution payments. Therefore, the experience of the consultant is terribly important. Our network of experts we replace us each other, as financial and insurance concepts can be as beneficial to the customer. Currently, for example, the so-called Pflegebahr. In addition to the private care insurance, we recommend the Council an expert in another unexpected income fluctuations. This includes in particular the recommendation on impending job loss to examine your own situation.

We strongly especially privately insured employees in this case to talk to an expert before reporting to the authority. The far-reaching impact of waiver of the obligation of health insurance for Recipients of ALG I can have BuF recently showed Isolde Mischke flat, Member of the Board. Are there differences between men and women when it comes to financial strategies? Kris Hauf: Women proceed very carefully in the selection of financial products.

Italy Industry

April 27, 2014


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Current facts and figures for the 3rd quarter of 2013 the first half of 2013 famously ends with the last day of June. The first half of 2013 is thus over. Europe is still marked by upheavals. That is one side. On the other hand, efforts to get the financial and economic crisis in the run. So far not really succeeded. The issues at stake are extremely diverse and varies in the individual euro countries.

The efforts of policy, to pursue effective measures to stimulate the economy are different from the content, its extent and its sustainability and then, whether they are sufficient and targeted questions it. This question arises especially in Italy. The new Government is there for a few weeks in Office. Serious action in terms of economic reform have been identified. Hot diets for deputies or Ministers salaries, as well as the financing of political parties are discussed. Things that completely misses the point. In the eurozone, GDP is between January and March 2013 decreased (see here). This is the sixth quarter in a row and so far unique in the eurozone.

The decline is 0.2 percent. What is the second half of the year, which starts in a few days with the third quarter, to expect. Generally it is assumed that the descent of the private sector in the euro area June slowed some in the month. But nothing more. The recession is not over. A clear example of the sustained downturn offers the car industry in Europe for the current situation. And doing well still the German carmakers, because their products are in demand especially in China and the United States. The auto industry is an industry that is closely linked with many other manufacturers and producers. So among other things with the tire manufacturers and these in turn with other branches of industry.

German Financial Resources

April 16, 2014


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DFK German financial resources AG since 2005 made dividend by 7 per cent for profit participation certificates each year Kaltenkirchen June 2013. The DFK German financial resources AG concluded the year 2012 to the repeated time with a payout of 7% for profit participation certificates. Thus, Kaltenkirchener financial services continues his successful series begun in 2005. And that shows during the curve of interest rates for day – and fixed-term deposit accounts since last year continuously down. The DFK profits for profit participation certificates were from 2005 to 2012 each year continuously at 7%. In addition to the beneficiary with an attractive interest rate, the DFK German financial resources AG markets self-developed supply concepts like income properties to the pension. The recipe for success of the Kaltenkirchener financial lies in the broad-based financial concept consisting of from investments, real estate and insurance, and its consistent implementation.

Also the DFK German financial resources AG offers its customers guarantees such as a provision of the profit of over 700,000 euros, one of the main risks of participatory rights the insolvency of the issuer is covered by that. The DFK provides further information under. Beneficiary of DFK German financial resources AG: an example of calculation especially given weak interest income on bank accounts worth an investment in certificates. Following example invoice illustrates this: who invested 10,000 euros in profit participation certificates of the DFK, has achieved a profit of 700 euros in the first year and would accumulate after 25 years so the end of the term 54.274 euro. Would the money on a day money account has been created, the amount to 150 euros would much more modest in the first year (at the current rate of 1.5%). Investors can already draw beneficiary of DFK German financial resources AG from a monthly rates deposit of 100 euro. The DFK is well equipped with a wide portfolio and profit provision is the 7 percent dividend to our investors for me personally not only a Promise, but above all a duty.