The KfW introduces new standards for KfW efficiency houses in their promotion bid for ‘Energy efficient building and renovation’. The KfW leads in their promotion bid for energy efficient building and renovation the new exacting standards KfW Energieeinsparverordnung 70 and 55 in the refurbishment and KfW Energieeinsparverordnung 55 and 40 in the new one. Thus supports the KfW development down to higher levels of energy efficiency in housing and sets appropriate standards, says Dr. Axel Nawrath, Board member of KfW bank group. New from 01.05.2010 the extra subsidy to the barrier reduction would reduce barriers in your condo or your one – / two-family house and spend these funds? Then, your exemplary commitment of the KfW is worth an extra reward! With the program of 455, KfW promotes your conversion per unit from an investment sum of 6,000 euro with a contribution of 5% of the eligible investment costs, maximum 2,500 euros. (as an alternative to the credit financing in the program of 155). He also is newly promoted from 01.07.2010 Acquisition of age just freshly renovated one – and two-family houses or condos.

The KfW will also offer funding for energy efficient building and renovation”the new exacting standards KfW Energieeinsparverordnung 70 and 55 in the refurbishment and KfW Energieeinsparverordnung 55 and 40 in the new building a. This supports the KfW development down to higher levels of energy efficiency in housing and sets appropriate standards”, says Dr. Axel Nawrath, Member of the Board of KfW Bankengruppe. Further, the now close to the statutory minimum level of this input foerderstufen run from 130 in the renovation and 85 in the new building. In the future are interested, want to redevelop her house, next to the previous KfW efficiency houses 115, 100 and 85 two more new standards available: the KfW efficiency houses 70 and 55. For new construction, builders in addition to the KfW Energieeinsparverordnung 70 then also for the KfW efficiency houses can decide 55 and 40. Another novelty: As for the energy-related modernisation granted KfW will also be in the New promotion redemption grants in addition to the promotional credit.

These charges amount to 10% of the loan amount. The amount of the grant depends on the achieved energy efficiency of the building. Where: the better energy efficiency, the more attractive the promotion. At the same time, interest rates within the individual programmes be harmonised. Thus promoting total is even easier and more transparent for the borrower. With the increasing demands the quality of the construction is gaining the efficiency standards of the buildings. Therefore, the KfW defined 55 additional requirements on the construction supervision by experts in the future from the KfW Energieeinsparverordnung. Builders will receive the security thus actually achieving the desired efficiency House standard in practice. More information you will find here forum-hausbau.de Hans-Peter Ambros

\”Bernd Neuhoff (CEO of Multicon AG) over multiple values of the new South financial group in Regensburg, in February 2010: an expansive distribution and highly qualified brokers this special concept of the independent South financial subsidiary Multicon AG explains Bernd Neuhoff, Executive Board of the Multicon, compact in an interview with South financial\”. As part of the South financial group, the Multicon AG benefited from the services and the offer of the entire South financial group. South financial compact: where do you see the value in the new system of the South financial group? Bernd Neuhoff: I’m sure that you can grow disproportionately and at the same time expand its quality of advice. It is finding the necessary unique selling proposition in the fierce competition. erat/’>Wendy Holman. The crucial question is and remains: how come I to the customer and which as raised. In an article from the Cash.Spezial stood up to read that, who observed the recent developments in the market, finds that a clear delineation of individual sales channels hardly seems possible.

So arise about under the umbrella of a holding company\”different marketing concepts, where a tree sales and broker pool exist side by side. To do this, the South financial group offers a groundbreaking option. South financial compact: before the background of EU directives is to seek improved qualifications of mediator and more quality products and advice. How do you do this? Bernd Neuhoff: In the interest of good advice, a qualification is of course absolutely necessary and long overdue. The South financial group goes a step further here.

I need an expansive, forceful sales for an extreme training is not useful because different skills are needed to achieve a real customer exponentiation. Therefore a clear separation of functions is necessary, so that the concentration of each individual on a core competency is. The sales ensures the sales development and customer generation within a product specialization.

(Online article) – In the fight against the lingering recession, the European Central Bank (ECB) has lowered the interest rate for the eurozone to its lowest level since the second world war. Frankfurt/Main – the main interest rate for the credit business with Central Bank money supply reduced by 0.25 points to 1.0 percent. Here, Viktor Mayer-Schönberger expresses very clear opinions on the subject. This was announced by the ECB after its Council meeting Thursday in Frankfurt. In a question-answer forum Boy Scouts of America was the first to reply. The deposits interest rate banks receive for deposits at the ECB, remained unchanged at 0.25 percent. With the renewed interest rate cut, the ECB responds to the deep economic and financial crisis in Europe. Since autumn, the Central Bank reduced the key interest rate for the banking sector with Central Bank money supply by a total of 3.25 percentage points to a historic low. Eagerly expected, whether Trichet is further of interest in Vista at a press conference in the afternoon in Frankfurt.

In addition, Trichet had announced after the may meeting about extraordinary measures. Low interest rates make cheaper loans for businesses and consumers, and can stimulate the economy. Savings be remunerated but also lower. In the United States and Japan are currently virtually at zero interest rates. In the UK, the Bank of England left interest rates on Thursday at the lowest level ever of 0.5 per cent. DPA

Although no other country has such high reserves per capita on the account, the savings many Germans seems hard to fall. Germany is a world champion when it comes to the topic of saving. No other country in the world has such a high savings reserves on the account such as the Germans. In reality it looks frequently but not quite. But often leaves hardly any money at the end of the month. The consumer is subject to several temptations every day.

But an easy money there is to spend if advertising, point programs, as well as sales including installment. In addition, it allows large sums and amounts to settle the plastic money in just a few seconds. Far too often, the eyes to the reality be closed however. The border between plus and minus will be broken. For all the offers the overview of the own spending loses quickly. It will therefore not be surprised, that in Germany despite saving world champion overall, 243 000 young people are in debt.

The young with an average of 7000 euros in the big is already before the professional life. The does, however, draw any conclusions on the generation, which is equivalent to paying only only 1.92 percent of all young people. However, there are very many young people, which apparently appears completely alien to the proper handling of the money. So how does the German to save? For many issuers, there’s only one: book. What first overhauled and old sounds, in fact is the best method to keep track of the own finances. Statistics support this thesis and stipulate that 20 percent of the savings be with the household book of durcgschnittlich or at least 50 euros a month. The budget book allows to keep the own spending at a glance. This developed a conscious dealing with the money. By writing down the own spending this shape in the memory.

Credit card debt management programs debt consolidation loans “there’re number of reasons for this, which would be thrashed out in the paragraphs which follow. There’re even few things you need to be careful regarding choosing a non profit organization to assist you with your debt trouble. You should’nt carry out your homework prior to any company you opt to assist you with this. “However there’re non profit credit card debt consolidation companies out there which can Facilitate you to get your head above water.” You have to go through many hassles, if you’re having a serious credit card debt problem and you’re not capable to repay the loan. Learn more at this site: Viktor Mayer-Schönberger . There is only one way that search sets you free from situation and that would be a helpful and practical solution to your debt problem. If you take the right approach, there is nothing much to worry.

There are a few ready-made solutions for your debt problem which are classified under broader aspects ie bankruptcy and debt consolidation. Credit card debt consolidation loan are available if you want to get debt free fast. Bankruptcy is one of the most traditional forms of credit clearing. There’re guide lines that you need to be follow, and conditions you might have to undergo, if bankruptcy filing is preferred. Professor of Internet Governance is open to suggestions. Even though your credit problem come to on end by filing bankruptcy, the ramifications of the whole procedure are not simple to deal with. There’re times when, your assets would be seized for your debt clearance. Your creditor will settle on the structure of repayment. Your credit reports for the next 10 years would carry a blot of bankruptcy and you will not be allowed to take credit for the next some years.

If your debts are unsecured, you can go for unsecured debt consolidation services. Likewise, in the case of secured credit card debt, you must choose credit card debt consolidation. Debt consolidation the most general technique to get rid of debts is through bad credit debt consolidating. You have to get registered with a debt consolidation firm debt after which a consultant will get in touch with you. Your consultant would negotiate on your behalf with the creditors and get the total amount on your debt reduction up to 40-60%. Late fees and taxes are thus eliminated. Debt consolidation loans are at affordable option for those who want to get debt free easily. Unsecured debt consolidation loans services are available. Debt consolidation has helped millions of people by giving them debt struck the fastest and simplest solution for their credit problem. You should’nt stop worrying and opt for a good debt consolidation program which will benefit you to a great extent.

How can I save with an online purchase? Shopping on the World Wide Web is becoming more popular: now there are over 42 million Germans who ever ordered something online. It plays no major role more, what kind of products or services it is. Why shopping on the Internet is so popular the Internet is a huge shopping centre. Physicians Committee for Responsible Medicine shares his opinions and ideas on the topic at hand. Here everything is, what you want is available and nobody must search long and run through countless shops finally find what is on your shopping list. In addition to the convenience of shopping on the Web with it brings, there are of course still more advantages: A huge selection of products and/or services which can be found in any retail business.

A fast and now often free delivery. Nieman Foundation is full of insight into the issues. A 30-days return policy, which is increased by many providers voluntarily. Viktor Mayer-Schönberger oftentimes addresses this issue. In many online stores, there is a competent support on issues related to the product. The prices when shopping in the Internet shopping network is cheaper than shopping in the Filialhandel” was a few years ago even the motto of the shop operators in the network. This is not quite correct: the prices in the Filialhandel and in the online store barely differ.

In both cases, inexpensive and less cheap articles/services can be found. At the Internet shopping there but the advantage of the wide range of shops and service providers, including many possibilities of price comparisons and the cheapest provider using a search engine to be. To an online purchase, to have a price savings, should be searched for a possible discount for the product / service will be a shopping at a chain store, really. To get the benefit of discounts a coupon or a voucher code is necessary, which will be offered for free on the corresponding Web pages. Coupons and codes are offered by the most popular and well-known online stores: the customer has, for example, the choice whether it’s a Zalando voucher, a Otto coupon voucher or also an H & M should be. In addition to clothing, there are also vouchers for travel Electronics, restaurant visits and much more. Important: When using a voucher or coupon code is the legally set Exchange rights not affected. The use of such certificate, or of such code is usually very easy. The customer visits the Web page of the coupon provider and selects the gift voucher appropriate for him. From here, it goes directly into the preferred online store to purchase. After the shopping stops and all important data entered, the coupon code during the payment of the product / service in the field provided for this purpose will be typed and the amount will be deducted from the total. The online purchase with coupon code brings only benefits and is no risk for the customer. Who really wants to save when shopping on the Internet, which should to look for coupons and codes, which granted ordinary discounts for the requested services or products!

Services of the statutory health insurance statutory health insurance benefits are regulated 20 SGB V. The benefits of the statutory health insurance lays flat rate for all insured persons. Individual agreements are not possible. However, the legally insured has the ability to hedge in addition certain risks with a supplementary health insurance. Many statutory health insurance companies here work together with partners from the private health insurance and offer this supplementary insurance to its members. Of course additional costs the public member. Health insurance exchange in the statutory health insurance who is not satisfied with its statutory health insurance, has the possibility to change the health insurance fund. The prerequisite for this is that at least an 18-month membership in the existing health insurance.

Here, the notice period is two months. Learn more about this with BSA. If you want to join a new health insurance company for the 1, the termination as of 30 Sept. with the previous health insurance must be. The notice must be received to the previous checkout to 31.07. The statutory health insurance, which should make a so-called supplementary contribution, there is however a Special right of termination. The 18-month membership is no longer necessary.

The private Krankenversicherung (PKV) all workers whose earning last year has exceeded the year work remuneration (49.950 in 2010) and is expected to again exceed this in 2011 (49.500), have the possibility of a private health insurance to join. Still, self-employed and freelance can choose whether they are private or statutory sick would insure. Cost of the car the individual contributions to the car are contrary to the statutory health insurance income. The individual contribution is here depends on several factors. This includes: age sex occupation health elected tariff (E.g. with 1 bed room, chief physician treatment, etc.) The contributions to the car are thus dependent on the personal conditions and the desired services. Since here but significant differences between the private health insurance, always a more extensive is advisable Comparison of the provider.

Consumers should check whether they need a long-term care insurance the time care is some family on the ordeal. Yet financial concerns come to the emotionally difficult time. In the case the plaintiff while completed a long-term care insurance, but not thought, that in the event of an emergency, he is in the nursing home and his wife want to still live in the common house. Fixed costs remain. The average pension of women is currently just 500 euros.

Costs for housing must be paid more. Insurance, tax, petrol also continue to fall Furs car and workshop costs men and women should check and so on., whether the private insurance creates more quality for the care case: who sets it apart, know that is provided for emergencies, maintain the life’s work and the next is not financially exposed. On the other hand the assets can then be applied again targeted or used. There are different solutions. The contributions to a Long-term care insurance increase next year by up to 40% in men. Then, men and women of a year pay the same contribution.

With this Kostenangleich, it is clear that the main risk is the care for women. Because to be probably very old and in the last phase of life on assistance from foreign persons to be instructed, is significantly higher for women. Recommendation of consumer advocates who needs a long-term care insurance, should now complete, so consumer watchdogs on the subject of conversion to uni-sex rates of the insurance industry. This applies to men, because here the contributions increase extremely. It remains open: how consumers can assess his personal care risk is how much or whether the time of care represents a financial risk for him or his family members. Generalizations here use nothing, statements of advisors in the financial industry are rarely considered neutral”, but rather as a success say completion-oriented.

What are the grounds to terminate your life insurance? Many savers now worry about a pension. There are other ways for the ages to provide as a life insurance policy? It is worth to go financial crevices, then to shift? These questions deal with a wide variety. Reason enough to do what the facts are and how it best can prepare here even clever. A life insurance policy is the Nations most popular pension improvement. Because nothing has done despite falling guarantee interest first. The motives for this are obvious: some black sheep in the industry keep praising this form of interest about the facts across and are seemingly unaware of their responsibilities to their clients or unfairly simply ignore them. The ordinary citizen is often overwhelmed when it comes to a sound and forward-looking decision.

Declining guaranteed interest rate if you have an existing contract, should be lucky and hasty dismissals carefully checked, by an expert check (see below). Still falling yields of warranty (most recently decided to 1 January 2012 only still guaranteed 1.75%) make difficult decision to safeguarding additional pension potential new insured? But also for contracts concluded before long the insurers come up with new chicanes and leaves so the neck are thick with something else: administrative costs! The height is decisive! While the one or other life insurance with less than 1% are satisfied, some with well above 4% long already very strong. And that gnaws at the return on total capital. Because the yield depend on the contributions paid and the amount of the payment to the end of the insurance period not only the contributions paid. First of all, the costs will be deducted. Including fall once the commissions, which in the first years of insurance ensures that the repurchase value virtually indistinguishable exists. In addition the cost of death insurance, of course come what is calculated individually.