The winning team in the middle market financing Munich, February 18, 2009 – a sluggish economy, weak consumption and limited access to bank loans currently put the middle class especially under pressure. The protection of own liquidity stands thereby for many companies in the first place. Methods of financing can be here a good alternative or supplement such as factoring and leasing, to stay liquid. With factoring companies make money owed. The entrepreneur sold his claims Vantargis factoring in continuously that and immediately receives about 80 percent as cash and cash equivalents. The Vantargis retains the remaining sum first factoring as a security, if a customer cuts the Bill and this pays off minus a fee to the factoring customer, once the customer has paid. Our customers have so instead of high debts”fast cash with which they can immediately work, explains Marco Frohlich, Manager of the Vantargis factoring. So can be in the shopping discounts, or the own customers offer longer payment terms”.

Factoring the customer with a product receives three service components. In addition to the financing are failure protection of claims and accounts receivable management. Depending on the needs and specific conditions we offer different models our customers”, so cheerful. So-called snippet factoring, we define for example before contract start”together certain accounts receivable, which are then handled in the factoring. Companies can exclude so quick payer or specific customer groups of the factoring and save unnecessary costs.

Interested parties can find more information, as well as the free factoring Guide under. The pillars of corporate financing the leasing is a perfect complement to the factoring. While factoring to sales financing only passed has established itself years in in Germany, leasing is long known and most have financed new investments that. The Vantargis group of companies with its leasing companies AML Leasing GmbH and Sigma Leasing GmbH, a joint venture with the active) lease Vantargis finance GmbH offers its customers a large leasing product portfolio. These include the various leasing models, such as sale-and-lease-back or even rent to own. Especially sale-and-lease-back transactions is a financing solution that the company owned sold owned mobile fixed assets such as machinery and equipment and at the same moment again about a lease back least – find increasingly interest in the company. We are very flexible as a bank-independent company and offer our customers individual solutions”, so Patrick G. Weber, Managing Director of AML leasing and SIGMA leasing. Funding over net book value include for example also season rates, summer and winter rates or, depending on the credit”. With factoring, companies secure liquidity, thus continuously while leasing well on new investments or even though for example long term in plant and machinery should be enabled to bound capital. On March 4, 2009 in Stuttgart, Germany, from 19: 00, can obtain an up-to-date overview of the possibilities of factoring, leasing and the inclusion in the free lecture new ways of business financing”of funds in the corporate finance. Registrations under background to the Vantargis factoring the Vantargis factoring GmbH is a bank-independent factoring company. The company financed small and medium-sized enterprises with an annual turnover of up to EUR 10 million nationwide as a full service provider in the factoring. Here, the Vantargis factoring GmbH with finance, insurance of bad debts and Receivables Management combines all aspects of factoring in any service.

Private provision is essential In relation to the statutory pension discussions prevailing in Germany for a long time. While politically hot over the retirement age has been debated, the citizens above all to the amount of their pension are concerned. But the Germans are not alone however. Similar problems can be observed in other European countries. The finance portal geld.de informs about the situation in other countries and the importance of private interest.

Today, a private pension insurance is essential. It protects against poverty in the age and ensures that people can maintain their standard of living. In a survey by TNS Emnid nearly two-thirds of the participants estimated their financial situation in the age as rather good. Almost 30 per cent presented their future standard of living but as a rather bad to very bad. Only seven percent of the 619 respondents were optimistic and predicted a great future.

While in Germany the retirement at 67 long since decided, in other European countries is still debated. The French are considering an increase in the retirement age from 60 to 62 years, is an increase from 61.5 to 65 years in Greece and Spain is planning the retirement at 67. Contract according to current statistics, approximately 14 million German citizens have a Riester. The conditions vary depending on the provider. A conclusion may be worth even in old age and shortly before retirement.

What is appropriate, what object? Read what you have to keep in mind for the car and the billing of services. Usually it happens and even without the knowing insured them. The insured person looks in his insurance conditions and there we find the following Fomulierung: apply as a remedy for elimination and alleviation of serving diseases or accident sequelae and treatments like inhalations, physiotherapy and exercise treatments, massages, hydrotherapy, packs, heat treatment, electrotherapy and light therapy. In addition is: refunds will be made to 100%. sometimes even extends to the afterthought… at reasonable rates. As a concrete example from last week, we take an invoice of a physical therapist, which provided the following costs charged. Since the customer came from a 100% refund, had to teach but better, because these costs were not adequate.

Do you feel adequately cost for a physiotherapy for back pain of 26.80 EUR for a treatment? The will very difficult to judge and also be dependent upon where you live. Here, in the idyllic North not probably still to get under certain circumstances, in the city of Frankfurt. The insurer otherwise tell the (also at the customer) and wrote: and now? How should the client know what sentences are appropriate? He called his insurer, the HUK Coburg insurance, and inquired. He got the statement you use, the “rates”. tion and gain more knowledge.. Funny thought the customer and asked. “I’m not entitled to aid and also no official or employee in the public service.” Can you please send a list of me?” Answer: No, that you find on the Internet.

“And on what basis do you do it?” the customer wanted to know more. Answer: “we do always.” Note: I have this written on the insurer and asked to answer. I do this then here. As a customer relies on a statement in terms of (being in the HUK to any wording is ‘appropriate’ or ‘100% ‘ in there,) but only the top first quoted text. Even worse, because here other insurers have added an additional formulation and write: the refund up to beihifefahigen maximum rates. You find these in the State aid rules of the Federal Government (direct link) or the countries. If you are an officer, you know it probably. But who is thinking about aid levels as “normal” insured with a private contract? And what if the legislature changes the rates? Look screen in your own car what do you find there in AIDS? Otherwise call ask for and insist on a written statement. Should there be a separate Directory in the enterprise, let this send up and compare this with the aid rates. (See page 45) Even Please note: the rates of inflation are adapted? When are these verified? In our case the KG, we find the solution on page 45 of the State aid rules of the Federal treatment. Maximum according to aid 19,50 EUR. Thus, our customer had only 195 EUR instead of the paid 265,80 EUR. This corresponds to one additional equity from 70,80 EUR or otherwise said 26% of the invoice amount. If that was wanted in the contract? Now, this amount is manageable and quickly paid. Keep in mind however, strokes, accidents with bone injuries etc oftlangfristige treatments are necessary. 100 treatments are as commonplace and thus threaten high equity investments. Therefore, consciously choose your health insurance and the selection criteria.