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Doubling the yield by comparison of money market accounts. Now compare providers! In times of economic and financial – related banking crisis many investors consider themselves twice whether you entrust their assets to said crisis-proof Banks. Who wants no surprises, is currently prefer the finger of opaque funds or dubious shares. But how and where can the suspicious Investor investment today still profitable? A good and profitable at the same time solution is the creation of money on money market accounts. Tagesgeld discards different interest rates depending on which Bank it is the amount of money is how much and what other conditions applied. Therefore, money market accounts offer a highly flexible investment with relatively good interest rates and low-risk. Who spent enough time, can also take advantage of the many offerings for new customers and every few months from one bank to the next shift its money to get even one or two percent more return per year.

Unlike many Day money compare common, evaluated the day money offers ToptenTagesgeld.de not the nominal interest rate, which is typically used in advertising, but the actual yield, so the interest rate that an investment actually earns a conditioning period. So, no provider can ‘accidentally’ slip on the top spot only because it offers a “visually” high interest rate for 3 months. The actually generated yield is crucial for a tag account in addition to the security of the deposits. And since a short investment term would skew the results, ToptenTagesgeld.de first and foremost considered the return on term of 12 months. In many money market accounts pay an initially high interest only for a limited period of time. This strategy is used by the banks to win new customers in the highly competitive market of short-term financial investments.

Since this is a legitimate, should be recalculated for all offers exactly: so can a proposal that initially throws off a high interest rate, bad overall for the year cut off as an offer that yields a rate lower at first glance. Also, the advertised interest rate is paid on some day money offers only up to a certain amount of investment. In addition, the offered interest rate declines mostly substantially. The availability and quality of online banking or the transparency of conditions when compared to the money market accounts of from different providers are included in ToptenTagesgeld.de in addition to a good yield, factors such as the amount of deposit insurance. More information on the subject of money, as well as current money market accounts in the comparison are available at any time under.

BilMoG and pension commitments: action by new evaluation approaches Rosenheim, 1.09.2010. A company survey shows that the German middle class compared to DAX listed companies has significant pent-up demand for the funding of pension obligations. Still the important for SMEs subject companies is limited interest. This may change, however with the introduction of the accounting law modernisation Act (BilMoG) to 1.1.2010 short to medium term. BilMoG forces to reconsider in the financing behavior, is sure Werner Rofner by the law firm Rofner & colleagues from Rosenheim. The BilMoG has been mandatory in force since January 1, 2010.

Target is an approximation of the German balance sheet law on international accounting rules (IFRS). As a result the assets, financial and earnings situation in the commercial financial statements represented more realistic. Especially in the sector of occupational retirement provision (bAV), it comes in the balance of trade for the valuation of pension obligations to significant changes, explains Werner Rofner. The means that even Pensionsruckstellungenen are affected. That’s changing: pension provisions are valued in the balance of trade realitatsbezogener. The to be average interest rate market, which month is announced by the Bundesbank, usually leads to significantly higher balance sheet values. The 6a acquired previously from the tax balance sheet value usually far too low provisions displays for the trade balance according to BilMoG.

To the realistic valuation of pension obligations salary developments into account cost increases and pension trends are in the future. To the relief of the company due to the BilMoG additions to provisions for 15 years may be distributed but the rest is shown in the annex to the balance sheet. It introduced a balancing-out bid of pension provisions and supply-linked assets, E.g. in the form of a pledged insurance. The handelsbilanzielle profit, which can lower by the BilMoG, is the basis for the Payout. Potential impact on companies: the allocations to the pension provisions have a direct impact on business outcomes. The handelsbilanzielle profit decreases, however, the profits according to the tax balance sheet is taxed. The Basel II rating (creditworthiness) can deteriorate. At 31, it’s too late! What was once said to, can not take back after decades. Can however paid the promised performance not in full amount of the funds for the pension commitment as such as an insurance be paid in, the missing shares from its current assets should be denied. Werner Rofner: “such a situation can in the worst case lead to the insolvency of the company or at least accelerate it.”Check the option of balance of optimized customizing and you include a bAV experts, recommends the bAV specialist Rofner, goal-oriented and professionally to tackle the further steps: you analyze the pension commitments holistic content, employment and fiscal weaknesses. Determine the financing rates to the funding of pension plans in the company. Examine the possibility of future on-balance sheet netting by supply-bound assets and thereby take advantage of the positive effects with improve of the figures in the company. Substantive defects, as well as financing deficits to eliminate companies now using the new holistic consulting offering of the Rofner & colleagues law firm. “We will accompany our clients with internal and external specialists in labour law and tax law legally binding through the entire process of the examination and pension commitments existing adaptation or spin-off,” emphasizes the bAV specialist Rahmani. Contact: law firm Rofner & colleagues owner Werner of shafiqur Rahman Oberaustrasse 34 83026 Rosenheim Tel.: 0700 0700 1230 (12 ct / min) fax: 0700 0700 1231 (12 ct / min) E-Mail:

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