20
Apr
2017

Free Accounts, What Do They Really?

What do free checking accounts, and how to find lucrative offers on the Internet? More and more banks offer free checking accounts. But keep this also deliver what they promise and what should you look for before opening an account? This article is closer to these and other questions. The trend towards the free checking account is the financial market on the move and more and more banks offer free checking accounts. Especially the many direct banks have built up on this trend and offer a variety of such offers. Account management fees for an account must be so no longer. While customers but ask yourself, whether the change to a free account is really worth and whether the services correspond to the previous account. Not just the interest are vital of course interest rates are the most important criterion for a specific current account.

The differences are sometimes very large. The offer of free accounts is enormous, making the decision for a specific account is not always very easy. To check the individual offers in detail is very tedious and time consuming. Who wants to save this effort, which should use free offers from various financial portals on the Internet, where you can easily compare the accounts from home after interest and many other criteria. Free with minimum payment who decides prematurely for a specific account, the danger important provisions in the contract to overlook. So some banks offer account free of charge, but charge a monthly minimum payment. Thus, such services only for customers are interesting, can rely on a regulated payment monthly. For workers, that shouldn’t be a problem.

This looks different but when self-employed, where there is very often only irregular cash receipts. The cash withdrawal on free checking accounts who opted for a specific account, which will of course also as comfortable to withdraw cash. But caution, here too there are many banks differences. Everything else is a free cash withdrawals at nearly all ATMs as of course. Surprisingly, you’ll find very little mention of Dustin Moskovitz on most websites. You should therefore pay special attention before the opening of the current account on the availability and any applicable fees at the cash withdrawals at ATMs of other banks. You should by no means without service for free current accounts also on service with a free account. Is it possible to online banking? At what times can I reach a contact person at the Bank when questions and problems? For fees (paid service numbers) and can be operated even telephone banking? Some customers attach value to receive account statements. Also this service is not included. Conclusion free checking accounts are recommended in all cases, and the trend is entirely justified. Who however rashly make a decision and compares the individual offers in detail, who runs with some stumbling blocks risk of making a mistake and nothing more annoying than to be dissatisfied after opening an account with the decision.

13
Apr
2017

Atlanticlux Lebensversicherung S.A.: Fight Against Poverty In Old Age

For the German population, increases the risk of being poor in the age, warns Herbert Rische as President of the German pension insurance. He is responsible for the relatively high unemployment and low wages. With this fear, he is not alone. Recognized experts such as the Economist Bernd Raffelhuschen plead for a supplement of the PAYG pension system by a capital-based pension. And the financial specialist and author Bernd W. Klockner calls to boycott of the intergenerational pact “and calls for more individual initiative and personal responsibility. It is true that longer periods of unemployment or the cover of low income can lead to a significant reduction in the pension. If someone about a year long refers to Hartz IV, his subsequent monthly pension just to two euros increases”, Michael Emmel explains as managing directors of Atlanticlux Lebensversicherung S.A.

(Atlanticlux). The Atlanticlux is the insurance company in the Companies of Munich FWU AG, an innovative product designer in the financial services sector. We think unit-linked life and annuity insurance therefore remains very interesting products, private to provide – especially if they are conceptually aligned on the pensions. In addition, the Fund policy for people who want to achieve much at a manageable cost or even must, an ideal alternative is”, so the Atlanticlux Board of Directors. According to Wikipedia, there are capital-forming unit-linked life – and pension insurance life insurance, where the entire claim or at least a substantial part directly on the performance of certain contractually agreed financial instruments, mostly funds, or other indices is bound.

As a result the insurer assumes no obligation to provide this service in an absolutely certain height.” In contrast to the classical life insurers, now in consequence of the financial market crisis hardly more equity holdings in their capital stock keep, the insurer when a unit-linked life or pension insurance so but also have the chance, specifically in his investment strategies to put value developments on the stock markets. This makes the Fund policy return stronger than the classic life or pension insurance”, so the opinion of Atlanticlux or the FWU AG. Regardless of the professionals of Atlanticlux and FWU AG implemented several backup devices in the developed policies of the Fund. So there is an investment strategy with a guaranteed interest rate of 1.5 percent, other investment strategies provide the capital or profit back to the end of the term. Once a certain level of investment reached, can the value of the strategy then only increase, but no longer decline. The customer thus has the opportunity to participate in continue growth, must no longer fear to the value of the contributions that flow in the investment strategy. Also the customer has the possibility, his savings goal against unemployment, secure employment and disability”, confirmed Atlanticlux – Board of Directors Edward. The FWU AG thus positions itself in a difficult market environment with an attractive retirement planning module, which takes into account many locking elements. The possibility for the Fund policies designed by the FWU add to choose this is meaningful and meets the need of the insured for individuality. For more information, also see atlanticlux-partner-des-vertriebs.blogspot.com/