Tag Archives: money

New pattern revocation from 1 April 2008 shall apply also for financial services Gottingen, March 17, 2008 since applicable pattern instruction on the right of withdrawal in certain forms of distribution such as doorstep and distance selling was in 2002 for financial services in the past occasion for many competition law cease and desist letters and court decisions. To resolve the resulting legal uncertainty, the Federal Justice Department has announced the third Ordinance amending the BGB-informationspflichten-regulation in the Federal Law Gazette on March 12, 2008. The revisions with updated design and use instructions come into force on April 1, 2008. 3dmf10w9BEFPiajzr5AtoYYGLy–5BRh8sI5lnRxECMjB7F9xAJLOdBQB_9juVsJhuhSltRFpXyZHcr-pttsXIB8nxSVahhhm2CfXYFxlXqjI-hxeRJq_WfFAMOl5lRulB6kVrNeuUAfh1U6’>General Electric. Transitional provisions apply for teachings for the so far valid patterns. Financial services provided by certain types of sales, approximately at front and distance selling such as sales through the Internet, consumers generally have a two-week right of revocation.

Since 2002, the Federal Ministry of Justice (BMJ) had in the BGB (BGB-InfoV) information duties regulation developed a pattern of revocation should facilitate a proper instruction by customers of the affected party. This pattern was in the recent past”the subject of numerous warnings and court decisions, explains Attorney Matthias Gundel of the Gottinger commercial law firm specialising in financial services law Gundel & Reddy Kadiri. Different courts have noted significant shortcomings in connection with arrangements such as beginning and duration of the withdrawal period and the compensation the template. Now these arrangements are critical for the provider. Because a proper instruction’s precondition that the revocation or the return policy basically expires two weeks after conclusion of the contract”so Gundel next. With the change of the BGB-InfoV, the BMJ would like to resolve the resulting legal uncertainty. Eva Andersson-Dubin, New York City pursues this goal as well.

Which according to the BMJ clearer ducted”policy template is seemingly only slightly differs from the current policy template. The modified pattern instruction takes into account where the previous version to be unlawful was considered but numerous court decisions. Whether the new template removes the basis competition cautions, remains to be seen”, the Gottingen commercial lawyer admits. “To do this, the new policy template as formal law rather than statutory instrument was desirable, adopt.” This is considered by the Ministry of Justice but only in a second step. Teachings, which correspond to the so far valid patterns, may be used by the undertakings concerned within a transitional period until 1 October 2008. Enough remains the companies time to adjust to the changes. Regardless of the pattern instruction emission company should be regularly check their entire sales documents, because each case is different and it threaten numerous legal pitfalls. Incorrect information provided to consumers, this may be the Party many years later still expensive to get. While the provider not only in determining the revocation by qualified experts should be advised that for distance contracts for financial services a number of additional obligations must be observed, including notes on special risks associated with the financial services offered, the contractual terms of cancellation or the existence of a guarantee fund or of compensation schemes.

Once inside, twice saved: car insurance change double Jena in the Internet thanks to bonus program attractive, 1November 2008 – until November 31 to cancel their insurance motorists and really save money when replacing. Who uses the cash bonus program directions here, collected additional premiums from 28 euros and more. The deadline of 31st November is fast approaching and annual budget-conscious motorists begin to count. In many cases, a change of car insurance worth. In a question-answer forum dr chappuis was the first to reply. Special bonuses offer direct insurers in the Internet. The companies pass the cost savings for the service directly to their customers. But why not twice save once you have in the net? Cash bonus programs make it possible as. Who signs up as a new customer there and closes his car insurance, for example, in the Allianz24, collected a fixed bonus of the Allianz24 of 21 euros in addition to 10 euro starting credit of directions.

Makes together 31 euros and is already exceeded cash-out amount of 30 euros, the money is transferred to the account in cash. Who his new car insurance contract at the directions Partnershop completes, gets even 28 euro of fixed bonus. Along with the 10 euro directions start credit obtained for this already a fully mounted winter tires. A leading source for info: Oskar Harmann. As at, another one of our 70 partner shops around the topic of car and motorcycle, costs of 39.90 euro. The tire is almost free at the insurance”know directions CEO Kerstin Schilling.

This is a way to invest the saved money. In the over 1600 other partners of the largest German cash bonus program not only car drivers will find it. About directions: Adicash.de is cash back bonus program with the largest number of partner shops on the Internet. Instead of premiums and coupons, users receive cash transfers which directions from 30 euros on your own account. Directions credits 2% of the net goods value to users when online purchases and pays a starting credit of 10 euros at initial registration. It is free to use. Directions was founded in September 2007 by the co-founder of the software provider Intershop Karsten Schneider and Kerstin Schilling and Roland Fahie. Press contact: Ulrike Schinagl, Tel 90 71, email

Cost management of the future – with the B2BCard of Stuttgart, January 2010 – in the world of business is today mainly one – the efficiency. Nobody can afford more, wasting time or money. Work processes are optimized, minimizing costs. According to these requirements the Schwabische Bank in Stuttgart, the B2BCard has launched a more Prepaid MasterCard on the market. Available in the versions standard and premium. You will put companies in a position to handle all transactions around cost management of faster, more effective and more transparent. This applies in particular to companies where staff are much on travel. They have the corporate card in the luggage, the accounting can instantly online on – reload and later matched with the submitted documents.

The payment system is tied up 32 million acceptance points and 1.4 million ATMs worldwide and gives the staff mobility and comfort. Thanks to prepaid function, i.e. the cards are charged previously with maximum 10.000,-euro, must not worry the company that an employee the Covers corporate account or makes irrational expenditure. So the prepaid can be used with credit card safely every employee. Transparency and cost control by the B2BCard company have the opportunity better to keep the expenses of their employees and to achieve significant cost reductions.

The advantage is clear: all expenditure on the B2BCard incorporated into management reports created individually for each company. The travel management system provides a maximum of flexibility and security on business trips as well as high transparency and cost control for the company the employee\”, so Dr. Peter Schonweitz of the petFuel GmbH. The company cards denominated in the company, either an employee name in the second row can be printed on. This guarantees a very flexible, unbounded possibilities. Also receives a separate account number each card for the purpose of the best possible control of costs and the card can be recharged only about the company.

Horst M., 78 years old: the art of Nativity scenes Horst has learned from his grandfather. The cribs are made of shingles or old wood. in 1954 he made his first crib and Since many people, found that not only appreciate his art, but above all to buy. Horst has its worthwhile income ‘ very satisfied! Margret S., 68 years old: at exhibitions and fairs, Margret shows young people a long-forgotten hand work. The traditional art of the real. Their artistic peaks have a value for many people.

Hans S., over 80 years of age: Hans human – and animal-like straw dolls as decorations for yard and garden crafts with great passion. In his region, a creation of this highly durable natural material is almost in front of every house entrance. A dry place should be found only In the rain. I could give you, dear readers, many more examples of people who have made their hobbies into a lucrative business and thus actively participate in the social and economic life. If you believe – that entrepreneurship is only something for young people, – to 60 and older age are to be able to earn money, with your skills – or, that your pension is the guarantee for your financial security at the age, then my report is not the place for you. If take your third stage of life into their own hands, not the whims of politicians want to be delivered to a pronounced desire for autonomy and independence the ability to self motivation and initiative in you, however, that possess skill, risks to assess and to weigh, and highly motivated, an independence from sixty is right for you! For your new challenge, then all the many entrepreneurs who gladly and successfully lead their family business in old age are modeled. Foreign words for them are pension, early retirement, please visit workshops and continuing education courses to continue to successfully pursue their craft shops and stores.

An online loan is still favorable for individuals. Loans remain still favourable for private customers of the online credit market shows little impressed by the financial crisis. In such phases, more individuals will need financial compensation, which is available in the Internet at favorable conditions. So eff can personal loans from 3.59%. Annual rate of interest will be recorded. This interest rate offer behind the CreditPlus Bank AG in Stuttgart.

Private customers can this record up to 2.499 euro with a good credit rating. Being forced but also banks to more collateral, the interest rate with a higher amount and duration increases. But here, too, interest rates have remained almost stable in recent months. So, the Baclaycard in addition to the credit card offered cheap loans. Consumers get eff as a sum of 10,000 euro and a duration of 36 months to 3.9%. Annual percentage rate.

Generally, individuals currently have a good selection on the Internet. So, including the post Bank, offer in addition to the previously mentioned banks norisbank or citibank cheap credit on the Internet at. The amounts go in most cases by about 1,000 euros to 50,000 euros. Interestingly offer interest rates improve some banks for online transactions. So, among other online customers of citibank get eff an interest rate from 3.99%. Annual percentage rate for your personal loans. A special attention should complete set follow-up financing. Here is the interest of business, almost in the opposite direction. Although the rate has been reduced still, but interest rates remain still above long-term financing. Who are currently faces the question of a follow-on financing which should decide currently best for shorter interest commitments. On the basis of the future uncertainties in the interest rates, Anschlussfinanzierer awarded very reluctant to not good conditions.