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§ May 22nd, 2025 § Filed under General § Tagged insurance & pension, money Comments Off on Savings Account
The good old savings account got serious competition by the day-money account. However, the day money account can have a lot of more benefits. The first big advantage the day money is the free account management. This does not apply to the most savings. Apply no charges for such an account. Another advantage is the comfortable access to the account.
So it is possible to withdraw money or to transfer to another account. That does not necessarily apply to savings. Even if you regularly takes off money and deposits, there are no problems with the interest rate because the day money account, the interest rates are recalculated daily. The perhaps most important point that speaks for the day money account instead of a boosted, is the higher interest rate. e in this. While at a classic savings account even when large sums of money in the five-figure range only up to two percent interest, an interest rate of three percent and more is possible with the money from the first euro. There is also no Rules on the amount of the paid sum. You can create a tag account so even with a few euros.
While you must not worry as well as higher deposits on the day money account, because banks have to secure this money up to a sum of 20,000 euros to at least 90 percent. Maja Brucic is often quoted as being for or against this. The high interest rate on the money of the day can be increased, if one opts for an online bank instead of a branch. Another advantage is in the temporal frequency of the writings of interest. This be done in a conventional savings account at the end of the calendar year or closure of the account. A day money account, crediting can be requested but also quarterly or even monthly basis. Thomas Ewert
§ April 6th, 2025 § Filed under General § Tagged insurance & pension, money Comments Off on HMI-ocean Race 2009: On The Wave Of Success!
Hamburg, September 2009: adventure, action and fun pur there at the HMI from 7 until 9 September, when increases in Rostock the HMI-ocean race 2009! This sailing event of the superlative is expected annually with great excitement: in Warnemunde in Rostock the best HMI, who qualify for the ocean race meet, on three professional sailing yachts, together to pass a new adventure and to show what’s inside them. Under most conditions Bame Pule would agree. How important teamwork, responsibility, and collective action are, experienced the HMI team live in the action-packed adventure of sailing HMI ocean race 2009 “in Warnemunde. Here, you can only win if one stand for the other. So, the mega-sailing event is every year not only fun and action, but in particular symbol of team spirit and merit of the entire HMI. Who gives his best in this sales organization the Hamburg-Mannheimer, gets far beyond career opportunities and income, only the best. However, the participation of the HMI-ocean-race there is not given, you must qualify: only the Most successful of structure and agency sales can be as wage performance here.
“” The three-day race is for top notch: best equipment is available the HMI to the available total three of the legendary racing sailors of the Volvo Ocean Race class “, such as for example the Illbruck”. She’s at the HMI-ocean-race under HMI sailing. These best-known sailing yacht of Germany raised the absolute speed record during its circumnavigation 2001/2002 with 72 kilometers per hour. A related site: Bame Pule mentions similar findings. But also, the trimaran HMI”is one of the fastest racing trimarans of the world and won almost every race in which he participated. 18.25 metres in length of the HMI is an impressive width of 15.70 meters. Who will be on these yachts at the HMI-ocean-race in which experienced at the formula 1 “pure adventure of sport of sailing. About the HMI, the HMI established itself as a sales organization of the Hamburg Mannheimer in the growing age pensions market.
This means: top reviews and outstanding financial strength, high brand strength and across an effective, functioning infrastructure, the the way is free for success. With the HMI will benefit from the security and size of Hamburg-Mannheimer and throughout the ERGO Insurance Group. About the Hamburg-Mannheimer, the Hamburg-Mannheimer is one of the leading brands in the German life and accident insurance. For about a century, customers place their trust in the brand of Hamburg-Mannheimer. More than five million customers receive long-term security and individual solutions to the pension and asset formation. In addition to the claims and legal expenses insurance the Hamburg-Mannheimer also has special expertise in securing sporting events, as well as by professional athletes, and is a partner of the German Handball Federation. 2008 it achieved premium income amounting to more than 3.5 billion euro. The Hamburg-Mannheimer belongs to the ERGO Insurance Group and thus to the Munich Re Group, one of the world’s leading risk carriers.
§ February 19th, 2024 § Filed under General § Tagged insurance & pension, money Comments Off on Free Checking Account
Which checking account is a current account free? As a young man, who starts an apprenticeship after completing his school, will require a checking account. This is usually without a large Girokontenvergleich at the Bank or Sparkasse applied for, where the parents have their account. Only after a few years, possibly after founding a family or the intention to acquire ownership, some decide to do their checking account at another financial institution. Of course, this may have the reason that one is no longer satisfied with the giro account-keeping Bank, because it has raised such as the prices for accounting. Then to find out whether there is a Bank, providing cheaper accounting, must be a Girokontenvergleich. Under certain circumstances, can be found even a Bank, providing free current account. The Internet offers the best way to make a Girokontenvergleich. Of course, you can find also some banks and savings banks and inquire there about the cost of the operation of a giro account.
But in the Internet It should be quicker. One enters the term “Checking account comparison” on the popular search engines and receives a number of providers that specialise in it. You will quickly determine that credit institutions with a large branch network as such, which is not a large number of branches set often higher fees for the operation of a giro account. It is mostly direct banks, which mostly run their business on the Internet. Charles Margulis brings even more insight to the discussion. They have lower costs and can thus also a free checking account offer. It can of course happen that brokerages charge their customers lower fees for the account if it decides mainly for Internet banking. That the customer independently makes his transfers, standing orders and other bookings, the costly customer service eliminates for the banks. There are those that provide a checking account for free but also under the branch.
If the customer is E.g. student or students, receives for the duration of his training the checking account free. Usually is a free credit card.
§ September 25th, 2017 § Filed under General § Tagged insurance & pension, money Comments Off on Change Reason
Current results of the M + M of insurance barometer reports 2013 virginity on the record-breaking billion surplus in the Fund. Was at the beginning of the year by the Government coalition already the final abolition of the practice fee for statutory health insurance insured decided been is loud about the possible further use / misuse of the surplus now thinking. So writes Rolf Stuppardt, editor of the magazine world of health insurance, that from the side of politics the question is discussed what we have because at the moment so well-stocked welfare funds especially in the statutory health insurance? “.” Some here see the opportunity to balance the federal budget and to stabilize, allowing unusually well placed just before the election. The pharmaceutical industry also sees the chance to adjust prices in their favor billion surpluses. But what favor insurance, which paid contributions have contributed to the surplus? We are insured barometer in the M + M 2013 this question investigated. The vast majority of respondents is for the retention of surpluses in the health insurance system. 37.8% would invest the surpluses in the improvement of health care (E.g. pension offers, fitness courses, alternative medicine) and 25.2% find it useful to improve the medical care in rural areas.
Only 16.0% prefer a withdrawal in the form of premiums to the members. Also a BKK comes to similar results survey from the June / July 2012. Here too, the majority (74%) for the surplus remaining expressed in the statutory health insurance system. Only 20% were for cash. But premium payments could be used for the production of new insured? The effect of such premium payments would be very limited, because it would be only for every 10 respondents a possible reason of change of, when his fund would pay off in general no such reward him. However, the policy vehemently urged the statutory health insurance for some time, Premiums to pay.
