Occupational pensions: A judgment makes it clear: the surrender values be too low depending on the occupational pension, shall be liable to the employer. Claims billions of dollars in threatened the company. For occupational retirement provision will be nothing so as usual. This is ensured by a judgment to the Landesarbeitsgericht Munchen. In case of negotiated, it went to the employee of a company in the auto industry. When they quit her job after three years, she experienced the same disenchantment as many workers.

Despite the 6230 euros which a pension fund had paid her during this time, your insurance account had only a credits from 639 euro. The lush Finder’s fee and other administrative costs, that the life insurer conceded were to blame for this. The Chief expressed his sympathy but, he didn’t feel responsible for the meager yield itself however. So just an employer may no longer make it. According to the judge companies had money in a direct insurance, Provident Fund, pension fund for their employees via salary conversion or cash deposit, to be classified as disinterested Trustees.

The pension commitment must always correspond to the paid post only costs for death and disability protection shall be deducted (4 SA 1152/06). The consequences are dramatic, because companies and provident offer for the deferred compensation often rates, which in the first years, most of the contributions to cover administrative and sales costs fliess, the surrender values are so minimal. In the jargon, this is called Zillmerising. “Chief of staff would be well advised not to offer such contracts now and for existing on their balance sheets to make provisions”, the Munich lawyer Johannes Fiala warns. Employees can claim for at least three years claims against ex – employer, depending on the constellation of the case even up to 30 years. In the face of only three million direct insurance and the fact that workers on average every five years change their job, claims can in Billions of dollars on the economy come to. While companies and insurers should have been warned. In 2005 the Stuttgart Labor Court decided that responsible employers for low return values (19 CA 3152/04). In the former case the staff had felt but not sufficiently advised. Reverse: Advises the Chief comprehensively, to say anything against the Zillmerising is. A mistake, as now demonstrated: Such contracts are void even if informed the employees about the costs and their impact on the return value. The judge as a violation of the contract is cancelled by the rate even a distribution of the costs to up to 10 years”. As lawyer Thomas Keppel from the law firm Dr. Fiala, who represented the applicant before the Labour Court of the country. Even with the introduction of salary increases in the post-employment benefits such as cafeteria models for executives, companies are depending on the agreement in the liability. The now convicted employer has at least one consolation. He can, so Fiala, of the Insurance intermediaries the amount of damages to reclaim for at least three years.

“The way to the money” is the title of the publication by Jorg Becker, which is more seminar, regarded as a conventional book. It accompanies the reader that can be also a total layman step by step into the new subject of “making money”! Rarely an author wrapped alike so skillfully interested parties beginning around the finger. With the simple question: Can you handle halfway with a pencil, computer, ruler and calculator? Then you have all the requirements to earn themselves a fortune”will they sent curled on the experimental path of CFD trading, which already soon to do so empowers skillfully with the very complex system to deal. Complex system, implemented almost already “too easily”. Written like a thriller, and for every layman immediately comprehensible and easy to understand! It is a wonder why many other Exchange books for lay people are not as easy to understand. Keyword CFD trading”: this innovative method is only feasible since May 2005 for private individuals. At the Obtained “Contract for difference” always wins, unless one recognizes the upcoming rate direction in the run-up to and exploit for its own trade.

The trader has the ability to realize great gains with a very low capital investment, however limited its “potential” losses even before the trade. The trader can decide at any time his commitment and risk. Here he can between 1,-and maximum 5000.-per point to choose freely. A large bet win day in the five-figure range can be quite so with some exercise! But to understand this form of trade, detailed employment with this introductory and exact textbook is necessary on the Internet page: vermoegen-online.com/shop/start the interested person finds detailed information and excerpts on the topic and more procedures. Also, more detailed information to purchase and shipping this edition limited to only 5000 German copies, can be found there.

Here is the layman a simple and safe Indicator search gives, whose effect he is using less grip, can prove itself. Becker’s publication is certainly not just for amateurs. It belongs to the workshop of every Executive, every project manager and every entrepreneur. Advanced financial traders will appreciate this book, because it involves serious information gaps in other publications and form a based trading course conveys basic knowledge and techniques of the Pike. Portrait of author: Jorg Becker, the author of this publication, learned the profession of surveying technician and served as teacher of mathematics and surveying a Bundeswehr vocational school. A few years later he focused on the stock market, where he could live out his penchant for technical analysis, initially part-time. In the year 2005, it became possible to CFD trading for individuals, he devoted himself initially titled “Indicator search” and was finally found after several weeks of chart analysis. Its even for stock lay, easy and safe way of Indicator search not taught it in time-consuming and expensive seminars, but wrote a “Printseminar” for amateurs & intermediate. Particularly noteworthy is the fact that the reader is provided after the purchase not but can contact at any time with questions to the Office. Jorg Becker author & trader lower main street 117/4 A-8462 Gamlitz

The day account called TagesgeldFlex offers GE Money Bank 5.00% interest p.a. German customers with guaranteed them until January 1st, 2009. Now, the GE Money Bank also still little known in Germany has interest in the competition for the best day money and offers not only comparatively high interest rates for new customers, but an interesting structured and flexible day money account. P.a. receive smooth 5.00% interest users of that day money account up to the amount of a deposit of 100,000 euros and this guaranteed until 1 January 2009. This promises to be a very respectable return, because the interest rate shall apply as with most of these accounts already from the first euro.

There is not even a maximum plant height in this product. Although the 5.00% be granted only up to 100,000 euro, funds in bear interest but interest rate at the current ECB, which is currently at 4.00% and surpasses therefore the day money offers of many other banks. But also for investors that not only the temporary high interest rates take, but the day money account in the longer term would use this product offers an interesting component. As well as to the rate above the 100,000 euro already from the outset at the base rate of the ECB is based, are the overnight interest rates after 01.01.2009 for the entire investment amount calculated according to this rate. The first 100,000 euro receive an interest rate of 100% of the federal funds interest rate, which would be 4.00% p.a. for steady interest rates, amounts in 90% of the rate, so with 3.60% interest per year under current circumstances. A further advantage of this day money account is the high hedge, because deposits on this day money account be an amount hardly anyone on a day money will have secured up to a height of 37 million over the deposit protection fund of the Federal Association Deutscher Banken e.V.. A minor disadvantage this day money offer is the annual credit of interest rates. While other money market accounts that gets credited quarterly or even monthly interest and therefore in one year by compound interest benefit can, this is not possible with this product. This fact is balanced however by comparatively high interest rates, high deposit insurance, and the interest rate is fixed until the end of the year. Especially when one assumes rather steady or even rising rates, day money account the GE Money Bank offers high security in relation to the amount of savings that is unsustainable for a longer period of time.