Friday, October 10, 2008

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Alejandro said ... Dear

In simulators take as a parameter a return of 5% annually in UR maximum profitability while the system is 1.75% (Union Capital). If we change this parameter (the intensity of work left to 1, of course almost impossible) the figures are reversed in a scandalous way. Stop lying to the workers. Only defend the interests of wealthy executives and all they care about is keep breaking out of control awards.
A worker who will enter the CJPB.
October 9, 2008 16:58

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worker who will enter the CJPB

First of all we must inform you that you are comparing different things. The fee to use the simulator is in PESOS (is the annual gross rate of return in pesos) and you must enter your salary in pesos and peso Afap balance and always done the calculations of retirement and capitalization are in pesos. On the other hand, the maximum system performance is reported on a fee for disposal UR Central Bank. This means that the calculations are done in PESOS (as does the simulator at a rate in pesos) and then gets converted to UR for the case of the profitability of the system. For which you are comparing a rate in pesos (the simulator) against each other in UR (the system).
Second, the rate of 1.75% is UR only the last 5 years and not at the rate of return having the entire system from its inception. You can imagine that is not enough to do in the simulator a projection of retirement at a rate that considers only the last 5 years, considering that it is planning to tens of years ahead.
Finally, and really you are informed, we inform you that the annual gross return rate of the entire system since its inception is 5.98%, ie one percentage point above that you are using the simulator . Also worth mentioning, and so you have even more information, the rate would be even higher were it not for the calculation period includes the deepest crisis by which affected our country, a crisis that most analysts describe it as unique as it is very difficult to repeat the same extent as it has changed the position of Uruguay against neighboring countries. Therefore
and the rate of 6% is reasonable to use the simulator yet still uses a lower than 5% gross return in pesos. Desiring
we leave you as we locate the effects we can provide further information on their future retirement to move to the CJPB, and so you can be better informed.

Monday, September 29, 2008

How To Build A 11 Antenna

INCLUSION IN THE BOX BANK -


is public knowledge of the situation unfavorable Retirement and Pension Fund Bank - or rather the bankruptcy -.

is proposed to include new contributors to such Bank Fund, who today are contributing to Social Security Bank and many of which are also found in the AFAP regime. Our intention is to make clear the harm that such action would cause serious candidates who happen to contribute to the Bank Fund, which would force us to leave our current system of contributions, so mandatory and without us involved. So we express the following:

A) Value Assets / Liabilities. CJPB currently has a ratio of passive versus active members of 0.74, meaning there is less of an active worker for every retiree is considered acceptable when such ratio is 3 to 1 (as for example the situation of the Fund of University Professionals). The latest

Wages Councils bank minimum wage is $ 19,104 and the average minimum wage of the groups "Credit Cards", "Credit Managers," Transportation of Values \u200b\u200b"is $ 7,733.
Based on this relationship, the possible 4,500 new contributors to the financial system proposed for transition to the Banking Cash, 1,822 contributors amount to the same level of input from the current bank, bringing the asset liability ratio would become 0.85.
clearly see that the inclusion of the equivalent of 1,822 new members to pay bank does not solve anything in the situation of CJPB, but would be simply a measure to stop complying with the various stakeholders mentioned above.

B) Comparison between the two systems. The proposal made by the Executive makes clear the Bank Fund offers us worse off compared to the current general retirement system and AFAP, namely

· provide personal: Those who move to bring to the Bank Fund, would the same level of contributions from 15% of their income as it is in the current regime. But must make the following points:

1. AEBU conducted a feasibility analysis CJPB where we included a percentage of contributions of 15% using invalid assumptions: a) life expectancy of the bank equal to general mortality tables, when in fact they are significantly higher in the bank and b) does not clarify the relationship of asset substitution, ie, when they actually retire no new workers who replaced the former, but on the contrary, this ratio is declining year by year as they have expressed all the actors who have spoken on this subject.

Therefore, to study the feasibility of the Fund through an analysis that is valid for the use of false assumptions, clearly notes that this level of contributions it will remain viable.

2. Pursuant to Article 5 of Law 16,565 in stating that the Council Honorary CJPB by unanimous vote may set employer contribution rates and staff, and as mentioned in the previous point, it is likely that we increase the level of contributions as part of an analysis is in fact reveals that the Fund is not viable for the levels of contributions from the general scheme.

Additionally, consider that the current system of AFAP there is a ceiling above which the worker if your income exceeds the same, now does not provide even 15% on Bank Fund would switch to always provide 100% of income.

· replacement rate, replacement rate is called the percentage of retirement to receive the salary divided at retirement. The proposal of the Executive set up a replacement rate of 50% additional for each year in excess of 35 years of service and age 60, according to Article 29 of Law No. 16,713.

BPS AFAP gives each retirement simulator so that there is a unique market approach, adjusted to reality, and reasonable projections of actuarial variables. Using BPS said tool (available at various Web of AFAP) to simulate the retirement of the salaries mentioned above, it is noted that replacement rates contributing to the BPS and AFAP are significantly higher than the rate of replacement of the CJPB.

For example, taking a 25 years with a salary of $ 19,104 (or more than $ 17,156) and therefore both BPS and contributor to AFAP, the replacement rate will be higher than the proposal for the Fund Banking, reaching in this case 60%.


SIST.DE BPS + AFAP
RETIREMENT AGES 25 YEARS

SDO.NOMINAL $ u
RETIREMENT 19,104 (1) $ u
17,182 60% RATE REPLACEMENT REPLACEMENT RATE
CJPB

51.5% (1) Retirement age: 60 years

For the particular case of officials of OCA SA , 80% of total retiree for the current regime of BPS and Afap with a replacement rate of 69% at 60 years of age.

· Calculation of retirement to receive: As proposed by P. Executive CJPB be considered in the best position among the 20 years of major contributions, or the last 10 years.

prejudice is clearly a to no longer own Afap personal accounts as the amount to be received through the AFAP regime is directly linked to what made considering all the years of contributions.

· stops retirement: In the above proposal indicates that maintaining the current cap CJPB.
Removing the Afap, the benefit of being able to add the maximum amount of retirement BPS ($ 14,068) the retirement Afap, which has no cap is removed with the passage to the Bank Fund where there are stops according to number of years of contributions to that Fund.

This entails that, unlike the BPS + Afap system in CJPB no incentive to keep work after 60 years in pursuit of a better retirement for 2 reasons: a) if retirement is limited by any of the stops CJPB system, for more years to continue working to retirement will not grow or there to work many more years for the purpose of power to the next intermediate stop, b) even in the cases that were not affected by caps of the Fund, increased by more years of work over 60 years is higher for Afap BPS contributors and contributors that the Bank Fund.

C) Conclusions. All this picture shows that the proposal for the conditions and parameters CJPB presents unfavorable actuarial the general retirement system.

We will not repeat what happened in August 1994 when it created the Law No. 16,565 for a mandatory increase in the number of contributors to the Bank Fund Cias forcing. Insurance to make his scheme to move to make contributions to that Fund. During the first 2 years they maintained the same level of contributions, then move to bring the percentage of bank contributions (over inputs) including the tax on bank liabilities created to solve the CJPB (Law No. 17,841). Today, 14 years later, the Bank Fund in the worst economic and financial situation at the time of raising that afiliatorio field.

We do not want to repeat history with us, and even more so knowing that in 10 years, retiring on 27% of banking assets in 15 years would be retired for 54% of banking assets and 20 years for 72% of them ( retirees would be 3,378, 6,859 and 9,102 respectively banking assets of 12,707 there today).
( http://www.cjpb.org.uy/Publicador/Actuaria/Activos/Activos_Total_Edad.htm )

That is why we see no sense that we can engage in a new adventure, where today it we are in a formal system.

And if we were forcibly included (a fact that is not fair at all), at least pretend that we respect or enhance our existing rights.

Given this situation, we ask ourselves why we want to make a mandatory part of a business that is blown?, Why we want to move to a better regime to another worse, with greater contributions, worse conditions and lower rates replacement?, and finally, if we can maintain our current conditions and rights acquired, why not let us choose?

Thursday, August 14, 2008

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Blue tank iBanesto CajaCanarias

In

deposit BLUE 6.10 APR (*) your savings grow each month. You have your money available total. No extra fees or commissions, and the confidence of a large bank.


  • new income to increase your position in Banesto compared to the balance July 15
  • Each month
  • No deadlines
  • No fees or commissions
  • profitability every month

  • Total
  • layout of your money
  • Internet Security Assurance
  • Banesto

More information iBanesto

Sunday, May 4, 2008

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New Joint Deposit Deposit

doubly attractive returns

The perfect combination:
A Fixed Term Deposit High Interest and Investment Fund.

50% on Investment in Fixed Term Deposit GROWING , with interest payable quarterly.
1 st Quarter: 4.40%
2 nd quarter: 4.60%
3 rd quarter: 4.80%
4 th quarter: 5.00%

APR: 4.78%

50% Investment in Investment Fund: AC Fondepósito
Investment Fund Euro Money category, which invests mainly in deposits of credit institutions, aimed at investors looking for profitable alternatives but conservative.

Go ahead and enjoy the benefits of a winning investment

More information CajaCanarias

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16 one-and

Deposit to 9 months.

nominal 16% per annum during the first month. Remainder of the period (8 months) referenced to Euribor -0.15 months. 5.51% APR *

Up to 60,000 euros.

Exclusive offer for new customers.


Terms


  • Interest settlement at maturity, will be credited to a Paid Account -e .
  • For cancellation request in advance, the customer will receive interest at 1% for the period from the date of incorporation until the date of cancellation.
  • be automatic renewal for successive periods of 9 months using the last month Euribor -0.50 renewed every month of the period.
  • Offer valid until May 31, 2008.
  • The establishment of the Deposit is 16 one-and limited to new customers who are discharged from the service one-and from March 1, 2008.

More information One-e

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Halifax Deposit with Interest on Maturity Time deposits

A worthwhile investment for a peaceful future with Halifax


* Halifax Deposit with Interest at maturity is an investment in fixed interest offers a wide range of time to measure, providing the security of knowing exactly how it is making profitable get your money and when their interests.


You choose how and when


Based on a minimum investment of 3,000 euros, you choose the term of your investment, 1, 2, 3, 6 or 12 months.


More information on Halifax

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Caja Duero

Designed to give more for your money and no risk ...


For all types of needs in terms of savings.
Fully flexible in amount and term and conditions are waiting.


Features: Caja Duero

client offers a wide range of fixed-term deposits fully flexible in terms of quantity and time, to cover all needs and circumstances.

  • Interest rate: be fixed depending on the amount and time period chosen for the deposit.
  • Frequency of interest payment: can be monthly, quarterly, semiannual or annual .
  • Timeframe: The most common time periods for deposits are 1 month, 3 months, 6 months and 12 months. In the medium term, there are 18 months and long term, there are 2, 3 or 5 years.

offer fixed-term deposits Caja Duero:


deposits Species: in which the total invested capital is recovered at maturity and interest is payable in advance in the form of an article in kind (crockery, duvets, etc). Caja Duero offer their customers several such periods during the year.


Other long-term deposits:

  • Fixed deposits with rates rising: in which the invested capital is recovered at maturity and yields are obtained fixed increase each year. Deposits
  • without penalty: not carry penalties for early termination, with a duration of five years, and guarantee a minimum interest rate.

More information

Caja Duero

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Openbank 12 months Deposit Premium Deposit

We return to reward your loyalty as a customer, and therefore We offer the new Premium Deposit to 12 months for the best market rate 5.25%.


To qualify, simply increase their overall position in respect of the departure date, the March 31, 2008.


Conditions:


Interest:


12 months Deposit: Annual Nominal Interest Rate 5.25% / 5.25% APR


Payment of interest Operating Current Account deposit at maturity


Commissions:


No commissions or expenses


Deadline:


can invest within 12 months


Amount:


From 1,000 euros per


Deposit No deposit ceiling. The maximum total employment will increase its position.


Cancellation:


It may cancel the advance deposit at any time. You can not cancel the deposit part.


If early termination, the interest rate is a fixed rate of 3.50% Annual Rate for the days they been employed.


Taxation: Withholding


18% on the interest earned on account of income tax, to domestic customers. With the exception of residents in the Navarre to implementing the retention rate of 15%.


Recruiting:


Through telephone, Internet, offices and retail outlets until May 31, 2008.


More information Openbank

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6 Caja Vital Vital Kutxa

Seize the moment. Get
film profitability.

  • 5.10% APR (nominal rate: 5.036%)
  • within 6 months. Issue
  • only 10 million euros.
  • deposits from 3,000 € 60,000
  • Exclusive offer for individuals and for new money or increase the balance on 04/15/2008.
  • buy-him in your office, or request it through Vitalnet. Within 24 hours you will see formalized, if you meet the conditions.
  • See the new taxation of deposits.

More information

Caja Vital Kutxa

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"Dipòsit" 10% Caixa Manresa

The "Dipòsit" 10% of caixaManresa term deposit is a unique contribution, ensuring an attractive return over the medium term, without taking any risk.


The new "Dipòsit" 10%, has a term of 2 years he has accumulated 10% nominal (5% APR) and is intended exclusively for contributions from new money.


FEATURES


  • Term: 2 years from the date of hire.
  • Performance: 10% cumulative nominal (APR 5.00%)
  • Indispensable Condition: New money
  • Interest payments: Optional
  • Liquidity: immediate via reimbursement, reintregro penalty before maturity (2 , 90% nominal annual reinstated capital for the time remaining until vencimineto)
  • minimum contract amount: 500 € (no maximum)


ADVANTAGES
  • a safe and highly profitable: it is an excellent opportunity to capitalize on savings guaranteed yield

  • Without any risk
  • 100% Capital Guaranteed Savings

  • medium term interests
  • Collection
    optional

More information Caixa Manresa

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x 2 Bankinter

Deposit A \u200b\u200bdeposit + x2 = other investment product (Bankinter Investment Fund Asset Management, pension plans or funds management agreement or plans)


Features:


Term: 1 month


Amount: 50% of total investment. Low
2,000, max. € 20,000 Currency


: euro


Renovation: No



  • To whom it may concern: to new and existing customers of Bankinter. If an existing customer, the balance in the bank has increased over the last 30 days.

  • Permanence: x2 Deposit must remain 1 month to get that double bottom. If you cancel in advance will be liquidated at the rate current interest for deposits of this period. The associated product may be maintained after the end of the month.

  • Taxation: 18% withholding tax personal income tax (applicable only to residents in Spain, except residents of Navarre to which we apply a withholding tax of 15%).


More information Bankinter

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Deposit Deposit Deposit

Term: 1 month.


nominal interest rate: 9.56% APR


: 10%


Minimum amount: $ 3,000


Maximum : 25,000 euros. Maximum balance per client in this product


Customers: New customers ActivoBank


Interest settlement: At maturity (at 1 month)


Commissions: None.


Conditions: This product is not compatible with the recruitment of Asset Deposit 1 month


Taxation: The interest earned is considered investment income and up each year in the savings base and taxed at a flat rate 18%


Early cancellation: In the case of early cancellation, this deposit has a 1% penalty will be applied to the amount of taxation for the period between the cancellation date and the maturity date of the deposit. However, this commission in any circumstances exceed the interest earned, so the investment is always guaranteed


renewal at maturity: If you select automatic renewal (if) the expiration, after the expiration will be a new deposit for the same initial term cash equivalent at the prevailing interest rate for this product (currently 4.00% APR, 3.93% nominal). Up to 2 days before maturity, you may request a change in the method of renewal


More information ActivoBank

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Active 1 month ActivoBank triple 6 Caixa Manresa Active Deposit

Enjoy growing your money


Now with Triple warehouses of caixaManresa grow your savings is easy. The first month will get a 6% annual nominal and in only 18 months, you can get up to 12% profitability extra accumulated.


The warehouses Triple 6 is referenced to 4 of the principal values \u200b\u200bof the IBEX-35. Depending on the evolution of these values \u200b\u200bwithin 18 mesos, you can get yields of 3%, 6% or 12% accumulated additional 6% to secure the first month.


addition, with the Triple 6 warehouses never lose money, as it guarantees 100% of invested capital.


100% resolved Questions


That performance will I get?


Triple 6 Deposit guarantees a 6% annual nominal the first month and the possibility of a 12% Additional accumulated in just 18 months.


A whose values \u200b\u200bare referenced


Four of the main values \u200b\u200bof the IBEX-35: Telefónica, Inditex, Iberdrola and BBVA.


it works?


will get a 6% annual nominal the first month and, additionally, if at the end of the period:


All 4 values \u200b\u200bare maintained or rise:


will get a 12% cumulative return additional


Three values \u200b\u200bare maintained or rise:


will get a 12% cumulative return additional


Two values \u200b\u200bare maintained or rise:


will get a 12% cumulative return additional


One or no value is maintained or rises:


will get 100% on investment


I can lose money?


Deposit Triple No. 6 is a safe investment whatever happens, we guarantee 100% of invested capital.


there a minimum amount?


Benefit from this opportunity from 600 €


More information Caixa Manresa

Friday, May 2, 2008

Bi Folding Door Mechanism

ActivoBank

Term: 3 months.


nominal interest rate: 6.82%


APR: 7%


Minimum amount: $ 3,000


Maximum amount: 25,000 euros. Maximum account balance per customer on this product. This product can only be hired by individuals


Customers: New customers ActivoBank


Interest settlement: At maturity (3 months)


Commissions: None.


Conditions: This product is not compatible with the recruitment Active 1 month Deposit


Taxation: The interest earned is considered investment income and up each year in the savings base and taxed at a flat rate of 18%


Early cancellation: No cancellation fee


early renewal at maturity : If you select automatic renewal (if) the expiration, after the expiration will be a new deposit for the same initial cash equivalent period, the prevailing interest rate for this product to maturity ( Currently 4.50% APR, 4.42% nominal). Up to 2 days before maturity, you may request a change in the method of renewal.


More information ActivoBank

Sunday, April 27, 2008

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Plus 3 months 3 months deposit mortgage iBanesto ActivoBank

Deadline:

3 months


Amount: Maximum

50,000 Euros.


Performance:

a) If not formalize new mortgage within 18 months after maturity: 3.50% APR (3.445% nominal)

b) If new mortgage formalized within 18 months after the deadline: 9% APR


Clearance interests:

a) The 3.50% APR will be paid on maturity of deposit

b) If formalize the mortgage, the interest remaining to reach 9% APR


Renewal:

At maturity, dump money into a 1-month deposit, remunerated at 2.45% APR, with monthly renewal of principal and interest. The customer may cancel the 1-month deposit at any time through Banesnet Individuals without any penalty.

may rehire mortgage deposit many times as desired, although additional compensation up to 9% APR, shall be paid only once, upon signing the mortgage.

If a client hires another mortgage deposit different period, shall be paid additional compensation for the first deposit mortgage contract.


Taxation: Withholding

18% on interest.


Liquidity

Client may apply for early termination without penalty. If you need the money to formalize a ibanesto.com mortgage, you pay the remaining interest to reach 9% APR.


Currency: Euros

.


More information on the website of iBanesto

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Annual Asset Deposit Deposit

Term: 1 year.


nominal interest rate: 4.50%


APR: 4.50%


Minimum amount: $ 3,000


Maximum : Unlimited


Clients: Current clients ActivoBank. Only individuals. Offer valid from 01.03.2008 until the 31.04.2008


Interest settlement: At maturity


Commissions: None.


Taxation: The interest earned is considered investment income and up each year in the savings base and taxed at a flat rate of 18%.


Early cancellation: In case of early cancellation the deposit shall be remunerated at 4.00% APR for the number of days in which capital has been invested. Early termination should be for the total amount invested in the tank and be ordered at least 2 working days prior to the expiration date.


renewal at maturity: If you select automatic renewal at maturity, will be a new deposit for the same initial cash equivalent period, the prevailing interest rate for this product, currently 4.50% APR 4 , 50% nominal. Up to 2 days before maturity, you may request a change in the method of renewal.


More information ActivoBank

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iBanesto

Deadline:

6 Month


Amount: Maximum

50,000 Euros.


Performance:

a) If not formalize new mortgage within 18 months after maturity: 3.50% APR (3.445% nominal)

b) If new mortgage formalized within 18 months after maturity: the interest paid will be left until it reaches 7% APR. Clearance

interests:

a) The 3.50% APR will be paid on maturity of deposit

b) If formalize the mortgage, the interest remaining to reach 7% APR

Renewal:

At maturity, the money pour into a 1-month deposit, remunerated at 2.45% APR, with monthly renewal of principal and interest. The customer may cancel the 1-month deposit at any time through Banesnet Individuals without any penalty.

may return to hire deposit mortgage many times as desired, although additional compensation up to 7% APR, shall be paid only once, upon signing the mortgage.

If a client hires another mortgage deposit different period, shall be paid additional compensation for the first deposit mortgage contract.


Taxation: Withholding

18% on interest.


Liquidity

The customer can apply for early termination without penalty. If you need the money to formalize a ibanesto.com mortgage, interest will be paid remaining to reach 7% APR.


Currency: Euros

.


More information on the website of iBanesto

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mortgage 6 months 60 Guaranteed Deposit Bag

The return of the bag safely


Win as in the bag is easy, losing is impossible. That's Fresh Banking.


Exchange Deposit Guarantee 60 to 36 months is a new reservoir with which the deadline:

  • Recovers 100% of the investment, whatever happens to the bag. Win
  • 60% of the total increase of Euro Stoxx 50, between the contract date and the maturity date.

while benefiting from the diversification of the main European index (Euro Stoxx 50) with the tranquility of not risking your money.


No risk

Deposit Bag With 60 Guaranteed , always recovers 100% of your investment do you make the bag.


It's an investment with which to make a lot , without risking a penny of your money in the bag.


High earning potential

A tank with a really high profit potential. Because win 60% of everything up the main European index (Euro Stoxx 50) in the next 36 months between the contract date and the maturity date


And remember that, at maturity always recover 100% of invested capital.


The Euro Stoxx 50 index is composed of the 50 largest European economy, such as Telefónica, Carrefour, Nokia, Danone, etc.., Belonging to different economic sectors (banking, insurance, telecommunications, industrial ...) allowing you to benefit from diversification ideal to obtain a high yield potential.


can get your money

if needed, from the sixth month, you have three months of part or all of their money, recovering 100% of your investment and also getting 10% of the rise of the Euro Stoxx 50

hitherto


No commissions

60 Guaranteed Deposit Bag no early termination fees in quarterly provisions


For any amount may invest

from a euro cent to the amount you want.


Your money will start working from the first week


Every Friday Deposits will be formalized with the closing of the Euro Stoxx 50 on that day.


More information on ING Direct

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ING Direct Deposit Active 3 months ActivoBank

Term: 3 months.


nominal interest rate: 4.42%


APR: 4.50%


Minimum amount: $ 3,000


Maximum: Unlimited Customers


: Current customers ActivoBank. Only individuals. Offer valid from 01.03.2008 until the 31.04.2008


Interest settlement: At maturity


Commissions: None.


Taxation: The interest earned is considered income from capital furniture and up each year in the savings base and taxed at a flat rate of 18%.


Early cancellation: In case of early cancellation the deposit will be remunerated at 4.50% APR for the total days in the capital has been invested in the tank and be ordered at least 2 business days prior to the expiration date.


renewal at maturity: If you select automatic renewal at maturity, will be a new deposit for the same initial cash equivalent period, the prevailing interest rate for this product now 4.50% APR, 4.42 nominal.

to 2 working days before maturity, you may request a change in the method of renewal.


More information ActivoBank

Sunday, April 20, 2008

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Deposit Guaranteed Performance Bonus ING Direct Deposit

investment which, at maturity, the only possible outcome is to win

Investing without compromise is posible.Eso is Fresh Banking.


Guaranteed Return Deposit is a deposit to 36 months in exceptional condition and full of advantages. With it, at maturity:

  • 100% Recovers
  • investment
  • If the stock goes up, wins 40% all that lift the Euro Stoxx 50, between the contract date and the maturity date.
  • And, if the stock goes up or down or not down, you get a cumulative return of 7% (2.28% APR)

No risk

With Guaranteed Return Deposit , not only recovers 100% of your investment at maturity, but, if the bag low or no rises nor falls, you earn a cumulative return of 7% (2.28% APR). It is therefore an investment with which you can rest easy.


High earning potential

win 40% of everything up the main European index (Euro Stoxx 50) in the next 36 months between the contract date and the maturity date


And remember that, at maturity, in addition to recovering 100% of invested capital, if the stock goes up or down or not down, you get a cumulative return of 7% (2.28% APR).


The Euro Stoxx 50 is a composite index the 50 largest European economy , such as Telefónica, Carrefour, Nokia, Danone, etc.., Belonging to different economic sectors (banking, insurance, telecommunications, industrial ...) allowing you to benefit from an ideal diversification in order to obtain a high yield potential


can get your money back

if needed, from the sixth month, quarter may provide some or all of their money recovering 100% of your investment and also getting 10% of the rise of the Euro Stoxx 50

hitherto


No commissions


Deposit Guarantee does Profitability have early termination fees in quarterly provisions


For any amount


may invest from a euro cent to the amount you want.

Your money will start working from the first week

Every Friday Deposits will be formalized with the closing of the Euro Stoxx 50 on that day.


More information on ING Direct

Saturday, April 19, 2008

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with mortgage Deposit Insurance

IBERCAJA LAUNCHES DEPOSIT TO 12 MONTHS COMBINED WITH INSURANCE COMPANY REACHES PROFITABILITY 10%

has also begun marketing one period to six months with an interest of up to 6% if it is domiciled payroll or pension


(Zaragoza, April 17, 2008) .- Ibercaja has released Bonus with Deposit Insurance and 12 months, where you can get a return of up to 10%. This product is aimed at clients with a conservative profile that values \u200b\u200bthe safety of your investment. For the entity, the marketing of these deposits is a closer connection or customer loyalty by cross selling of products. This

deposit insurance is subsidized with a period of 12 months, with a maximum of 10,000 euros and can be subscribed from 100 euros minimum. The yield is 4%.

If however, the return of the deposit can reach 10%, thanks to the subsidies that cumulatively can be obtained by contracting a list of up to four insurance entity. This bonus is added to 4% initial

performance bonuses are as follows: a 1% insurance contract Ibervida 3 with a minimum capital of 30,000 euros death and another 1% by the Health Ibercaja, a 0.5% by underwriting the entity's car and another half percentage point Ibercaja for recruitment of Home, by ensuring that product and contents.

To get 10% return is to hire the four types of insurance, as it includes an extra prize, such as multiplying by 2 the bonus upon signing the four coverages. The formula of this bonus is as follows: (1 +1 +0.50 + 0.50) x 2 = 6% which together with the initial yield of 4% for hiring the tank reaches 10% final.

Both the payment of interest rate subsidies is quarterly. This deposit can be terminated early by the whole capital without paying any commission, although it may lose outstanding bonuses paid for recruitment of all or any of the four latches.

Ibercaja also has begun marketing a six-month deposit can reach a yield of 6% provided that the entity is domiciled in the payroll savings or pension.

deposit in this account can invest a maximum capital of 30,000 euros and a minimum of 100 euros. Is paid 4%, but there is a rebate of 2% if payroll is domiciled or retirement pension, bringing the final performance of this deposit to six months to reach 6%. Both

payment of the bonus interest be paid at maturity of the deposit. No early termination fee, but if carried out would miss the bonus of 2%. Via


Ibercaja

Sunday, April 13, 2008

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Ibercaja 1 month iBanesto

Deadline:

1 Month


Amount: Maximum

50,000 Euros.


Performance:

a) If not formalize new mortgage within 18 months after maturity: 3.50% (3.445% nominal)

b) If new mortgage with ibanesto.com formalized before 18 months after the deadline: 15% APR (14.05% nominal)


Clearance interests:

a) The 3.50% APR will be paid on maturity of deposit.

b) If formalize the mortgage, the interest remaining to reach 15% APR, will be paid upon signing the same


Renewal:

At maturity, the money pour into a reservoir to 1 month, paid at 2.45% APR, with monthly renewal of principal and interest. The customer may cancel the 1-month deposit at any time through Banesnet Individuals without any penalty.

may rehire mortgage deposit many times as desired, although additional compensation to 15% APR, shall be paid only once, upon signing the mortgage.

If a client hires another mortgage deposit different period, shall be paid additional compensation for the first deposit mortgage contract.


Taxation: Withholding

18% on interest.


Liquidity

The customer can apply for early termination without penalty. If you need the money to formalize a ibanesto.com mortgage, you pay the remaining interest to reach 15% APR


Currency: Euros

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More information on the website of iBanesto