Best liability insurance for 2018: 273 tariffs on the test

 

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Private liability insurance is an important insurance cover for many people. Because it often costs only a few euros a month and secures people, if they inflict harm on other people. A recent study by WirtschaftsWoche shows where families, couples and singles will also find the best liability insurance for 2018.
 
Ein neues Rating sucht die beste Haftpflichtversicherung für 2018
A liability insurance jumps in case of damage to third parties
  • In a new rating for private liability insurance 273 tariffs for families, couples and singles are put through their paces.
  • The services were particularly important because they can vary between the different groups.
  • With an individual comparison interested find a private liability, which offers comprehensive benefits and at the same time is favorable.

It does not matter if a friend’s expensive cell phone falls down or if his burned toaster sets fire to the entire tenement – the perpetrator must pay for any damage caused by other people. Without a hedge, this can be expensive, especially if someone is injured. So an accident can quickly lead to costs in the millions.

Insured persons can remedy the situation with a liability insurance. Because she jumps for the damage. Choosing a suitable insurance is often difficult for hundreds of fares. Although many offers are cheap. But to find the best liability insurance for 2018, interested should pay attention to more than just the price . In addition, not every tariff is suitable for all customers. A current rating from WirtschaftsWoche in collaboration with Morgen & Morgen examines which insurers convince families, couples and singles.

Best liability insurance for 2018: The benefits must be right

For the WirtschaftsWoche the analysis house Morgen & Morgen has reviewed a total of 273 offers for private liability insurance. Tariffs were studied for couples and singles of different age groups (30 and 50 years each) and families (30 years). Overall, the testers have examined the insurance based on 42 criteria.

In the search for the best liability insurance for 2018, it was particularly important that the insurer at least up to a loss of five million euros intervenes and also the sample conditions of the Association of the German insurance industry corresponds. Among other things, this includes the provision that the insurer pays for property, personal and financial losses in the private sector and covers them within two weeks as soon as it is established that the insured is obliged to pay compensation.

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Best liability insurance: In 2018, there are ten top fares for families

In addition to the general criteria, some special services played a role, which are important for the individual sample customers in the selection of the best liability insurance for 2018. For example, the family offers have examined whether the insurer will pay for damages caused to children under the age of seven . They are considered to be unable to act and can not be held liable. The same applies to their parents, provided that they have not violated their duty to supervise.

The insurer should still pay so that the injured party does not remain on the damage himself. Only rates that meet this condition could get the best overall rating of five stars in the liability insurance test.

For families, these ten rates reach the best rating:

  • The spokesman of the group of the PSOE in the Diputación de Málaga, Francisco Conejo, has demanded to the PP government team that the policy of equality “becomes a priority of the provincial institution.”

Rabbit (PSOE) presents campaign ‘X3 in Equality’ in Álora PSOE DE MÁLAGA

Rabbit has visited this Monday in the municipality of Álora with its mayor, José Sánchez, Councilor for Equality, Rocío García, and the provincial deputies Estefanía Merino and Sonia Ramos, the Women’s Information Center (CIM). Subsequently, he participated in the local market in a collection of signatures of the campaign ‘X3 in Equality’ with which the Socialists demand the PP triplicate the budget of the council in this matter.

Rabbit has recalled that when the PSOE governed the equality service of the Diputación “was a benchmark at the national level.” “Since the PP governs in the County Council, equality policies have been dismantled and the equality service has been dismantled, which means a reduction in the benefits, resources and services received by women in the province of Malaga” , he assured.

“We want the equality policy to become a priority for the council,” he said. Therefore, has justified, the PSOE has launched the campaign ‘X3 in Equality’; “so that men and women of the towns will demand from the PP government that the budget be increased in equality”. “Investing in equality is to guarantee equal opportunities for women and men in our villages,” he said.

 

“Now more than ever, after March 8, in which men and women took to the streets to demand the rights of women, now that we are suffering male violence day after day in our society, it is necessary that a institution like the Provincial Government do not look the other way, do not declare yourself insubstantial when it comes to investing in equality and allocate the necessary resources to ensure that women in the province have the means they deserve and deserve, “he said.

According to Rabbit, multiplying by three the equality budget “would involve allocating more resources to policies that prevent sexist violence in the society of Malaga, launching an employment plan so that small and medium town councils can hire women in their localities; launch more economic resources to promote the feminist collective in our towns and cities and also more economic resources to launch a school of feminism and training in the prevention of sexist violence.

The socialist spokesman has asked the government team to collaborate in the financing of programs and activities on equality issues the City of Álora, a municipality of less than 20,000 inhabitants, to ensure equal opportunities between men and women in this town of the Guadalhorce Valley.

For his part, the mayor has defended the threefold equality budget “to create an employment plan for women in small towns that we always see a little abandoned, and that money from the County Council instead of investing in the Small towns invests it in the big towns. “

“We want the budget to triple for equality because in small towns it is where we need more and where we have more problems, we ask the president, Elías Bendodo, who is committed to small towns and who is committed to women,” said Sánchez. .

In parallel, the provincial deputy Estefanía Merino has argued that the women of the towns “are key to stop depopulation.” “We need a much better financing of equality policies, which are more realistic,” he said.

Finally, the provincial deputy Sonia Ramos also said that “the fight for effective and real equality is in the DNA of the socialists.” “It is important to establish employment plans in small and medium-sized municipalities, reason for being of the Provincial Council of Malaga, and also to fight to eradicate gender violence,” he concluded.

Check here more news of Málaga.

Check here more news of Málaga.

Do you know how the bank uses your money?

  • At least 30.8% of the savings of Spanish families is allocated to socially responsible investment.

A man takes money from an ATM. GTRES ONLINE

When scandals like Volkswagen’s dieselgate come to light or we read in the press a new shooting in Syria or denounce the deforestation and exploitation that entails the production of the controversial harmful to health and present in a multitude of everyday products), consumers Investors are rethinking the use and destination of their money, both the one they spend and the one they invest, either through the bank or fund managers.

The Observatory of Socially Responsible Investment (ISR) in Spain of 2017, prepared by Novaster in collaboration with the Forum of Sustainable Investment of Spain (Spainsif), BBVA, Bankia and Santander, highlights in its conclusions the “very significant increase” in the amounts managed according to environmental, social and good governance criteria (ASG) and figure at the end of 2016 at 185,423 million euros, the assets that move the ISR “clearly and expressly” in Spain, 17% more than the previous year .

#It is also clear from the report that ” at least 30.8% of household savings have a clear ISR policy and, normally, formalized, while last year it represented 26.2%”.

 

The director of Spainsif, Javier Garayoa , points out sustainable investment “is not something new” but has several decades of activity around the world, although “the environmental, social and environmental criteria are increasingly taken into account in the traditional analysis. of good governance (ASG) and the data show an exponential growth “. The association began in 2009 with 32 associates and today total 62, figures that generate “a very positive vision in terms of activity, volume of business, impact and involvement” and show that ” every time in Spain there is a clearer bet and expresses in matter of sustainable investment “, defends.

In an informative video of the Forum of Sustainable Investment in Spain they explain that when depositing the savings in a financial institution, bank or savings bank, “we have to be aware that our money is not stopped” and urge the saver to ask the bank if the projects or companies in which they invest their money “take into account climate change , respect human rights, manufacture weapons , operate from tax havens or incur in labor exploitation “, for example.

 

“After the last economic crisis, it has become clear that the analysis of purely financial risks is necessary but not sufficient to calculate the risk of investments , including environmental, social and corporate governance strategies that help to calculate the risk more precisely. It also generates a positive impact on society and the environment, the money of the savers will serve to promote social entrepreneurship, the creation of social and environmental innovation , “they say from Spainsif.

According to the study The Spanish perspective on sustainable investment , prepared by the asset manager Schroders in 2017, 81% of respondents consider that sustainable investment is more important to them today than five years ago , a feeling that manifests itself similarly between different generations. And taking action, 61% of the 21,100 investors consulted globally said that in the last five years have increased their sustainable investments and 36% of Spanish investors invest “often or always” in this type of funds, although this figure is still lower than the world average (42%).

The involvement of banks

The company VDOS, dedicated to providing data to the asset managers and associate member of Spainsif, prepares a classification of the funds that are declared ASG in Spain. According to their data, Santander Asset Management is the manager that allocates more equity to ISR, followed by Caja Ingenieros Gestión and Bankinter Gestión de Activos. Garayoa affirms that banks “are becoming more involved”. In fact Bankia, Caja de Ingenieros, Cecabank, Triodos Bank or Santander, among others, are partners of Spainsif “and show a clear commitment” to the ISR.

Banco Santander has launched this year the first range of funds responsible for Spain , Sustainable Santander , with mixed income products aimed at both conservative and risky investors. Currently, 40% of the main international sustainability initiatives to which the entity chaired by Ana Botín joins are associated with ISR criteria. In 1995, Santander established the first SRI fund in Spain and currently has the largest equity fund managed under these criteria: Santander Solidarity Responsibility, with 950 million euros.

Like the rating agency MSCI, it is a reference in the measurement of the quality of funds declared with ASG criteria. In its report at the end of 2017, the ASG equity that took the highest note was BBVA , followed by Santander and Caixabank .

From Gesconsult, the Kokoro fund stands out, “that follows ethical and sustainable investment criteria, avoiding arms companies, the tobacco industry or those that damage the environment, and also allocates 0.1% to charitable organizations.” Thus, it focuses on companies such as Roche, Amplifon (dedicated to creating hearing solutions), large technology companies such as Alphabet (Google’s parent company), Kuka (a German company that makes robots), Amazon, Netflix, Geberit (healthcare technology and plumbing) or Veolia (water treatment and management). “Its profitability at three years is +3.64”, they detail.

And is that profitability is not at odds with ISR. “We are talking about long-term profitability and, of course, taking into account the ASG criteria does not sacrifice profitability; on the contrary, it improves risk,” Garayoa states.

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New household insurance test finds eleven top providers for 2018

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A new household contents insurance test by Handelsblatt examines which companies offer insured persons the best insurance for 2018. The testers take a special look at the services as well as the price. It becomes clear that the costs vary greatly depending on the place of residence. The comparison shows where interested people still get cheap protection.

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Ein neuer Hausratversicherung Test findet für 2018 den besten Schutz
Your own belongings should be well protected against damage
  • In a current household insurance insurance test by Handelsblatt Franke and Bornberg 39 insurers for 2018 under the magnifying glass.
  • Although there are some very good providers in comparison, but depending on where they live, insured persons have to dig deep into their pockets for protection.
  • Those with the best price-performance ratio will find interested parties with an individual tariff comparison to household insurance.

Whether fire, burglary or water damage after a pipe break – damage to your own belongings can quickly become expensive. So that the owners in these cases do not sit on the costs, the household insurance jumps in. In 2016, insurers incurred a total of around one million household damage and spent more than € 1 billion on this. On average, insured persons received just under € 1,400 from their household contents insurance, as figures from the Association of the German Insurance Industry show.

The more expensive the furnishings of the apartment, the more expensive it will be to replace them. All the more important is a household insurance with extensive benefits. But the price also plays a role. For the Handelsblatt, the rating agencies Franke and Bornberg have tested a total of 39 companies for their 2018 home contents insurance.

Household insurance test for 2018: contributions increase with facility value

How many people pay for their home insurance depends on various factors. On the one hand, it is crucial how high the sum insured is. As a general rule, the Handelsblatt gives a hedge of 650 euros per square meter of living space. However, for example, if you own a particularly valuable antique cabinet or a high-tech television, the sum should be higher.

Second , the place of residence of the insured person determines the contributions for the household contents insurance . For example, people in some larger cities have to dig deeper into the pocket, because statistically there is a higher crime rate and thus the risk for the insurance increases.

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Household insurance test: In 2018, eleven insurers are very good

To provide interested parties with an overview of the different costs depending on their place of residence, Franke and Bornberg examined household contents insurance for a sample customer in the five cities of Berlin, Munich, Cologne, Hamburg and Hanover . The insured was a 43-year-old employee who agreed on a sum insured of 65,000 euros. This should be incurred for the customer as possible no deductible. All rates also cover at least 1,000 euros for bicycle theft and valuables with at least 25 percent of the sum insured.

More than a quarter of household insurers are doing very well in comparison with a very good overall result:

  • Media Insurance – Premium
  • Basler – Ambiente Top
  • InterRisk – Concept XXL (without contribution adjustment)
  • WGV – optimal protection
  • Degenia – premium
  • Domcura – top protection
  • Häger – HHV Top
  • Ammerländer – Exclusive Protection
  • HDI – Premium
  • DEVK – Premium
  • LBN – household good

Service: You are looking for a security for your belongings, which offers you exactly what you want? With the comparison calculator for household insurance you will find the right tariff.

Household insurance in the test: costs for 2018 vary depending on where you live

The prices for the insurance protection vary in the household contents insurance test for 2018 in part very strong. Thus, the sample customer for the hedge in Hanover at the cheapest very good provider InterRisk pays about 104 € per year. At Häger, however, protection costs him around 200 euros a year.

Even in Munich, there are sometimes serious cost differences between the top rates . While the media insurance requires only 77 euros per year, DEVK will pay more than double at around 153 euros. The most expensive home insurer for a sample customer in Cologne is Ammerländer. There, the annual fee is around 354 euros. The cheapest top protection gets this customer with media insurance (just under 146 euros).

Here you will find tips and more information on household insurance.

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Annabell Meyer

editorial staff

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Spain’s spending on social protection is reduced by three tenths and widens its gap with the EU

Spain’s spending on social protection is reduced by three tenths and widens its gap with the EU

  • Spanish expenditure in relation to GDP is lower (43.8%) than the EU average (47.2%) and countries such as Finland, France (57% both) or Denmark (54.8%).
  • The percentage of expenditure devoted to social policies (aid for the elderly, unemployed or dependent) is 39.1%, 1.5 points lower than the EU average.
  • The X-ray of Spanish spending also reveals a lower disbursement than in the EU in health, education, defense and housing aid.
  • The high debt of the administrations has doubled in a decade (from 4.1% in 2007 to 8% in 2014) the public spending dedicated to paying interest.
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Spain, less social protection than in the EU average. EUROPA PRESS / JCCM

In a country like Spain where the wound of the crisis still stings and the public deficit continues unchecked – it is the only community country that will close 2017 with a lag of over 3% – it can be thought that public spending continues to skyrocket and requires greater austerity . But it is not what the official organisms think. The IMF already said two months ago that the time of the cuts had expired in Spain; that the problem, they said, was one of income.

The figures on public spending published by Eurostat on Monday confirm that the disbursement of everyone’s money in relation to GDP is not only not exacerbated, but is lower (43.8%) than the EU average (47.2%). %) and is also well below the amount disbursed in countries such as Finland, France (both 57%) or Denmark (54.8%).

Only last year, Spain cut its public spending by 1.1 points, a snip more important than the community average (nine tenths). The spending gap with the European Union, in any case, has been reduced compared to that which existed before the crisis . While Spain executed public spending of 38.9% of GDP in 2007 -5.7 points less than the EU average-the distance was reduced to 3.4 points at the end of 2015.

Less spending on social protection than a year ago

The largest outlay in both Spain and the rest of the countries occurs in the so-called ‘ social protection expenses’ , which in our country amounted to 39.1% of total expenditure in 2015. Disbursements fall under this heading. for social assistance to the elderly (it is the largest item), unemployed, families, sick people, dependents and housing social protection policies.

Well, the percentage of public spending devoted to these policies is 1.5 points lower than the EU average (40.6). Only in 2015, the last year calculated, Spain reduced the weight of these policies by three tenths while the European average also changed three tenths, but in a positive way. The gap, in fact, has been widening every year since they almost converged in 2013.

Said in terms of GDP, Spain allocates 17.1% of the value of its economy’s activity in one year to spending for social protection, two points less than the EU average (19.2%). To put it in perspective with other countries, France dedicates 24.6%, Denmark 23.9%, Sweden 20.9%, Italy 21.5% and Germany 19%. Among the major European countries, only the United Kingdom spends less than Spain (16.4%).

Among the major European countries, only the United Kingdom devotes less than Spain to social protection (16.4%). The reason for the decline in social protection expenditure is closely related to two issues: unemployment and the aging of the population. Statistics show, for the first scenario cited, how spending on unemployment benefits has fallen by 1.2 points , from 6.7% of total spending in 2013 to 5.5% in 2014.

The EU does not offer a breakdown for each country in 2015, but as the pace of job creation remained firm in Spain in 2015 – and the coverage rate was reduced in that year – it would be normal to think that unemployment spending continued to fall and contributed to widening the social protection gap with Europe. In the EU, from 2013 to 2015, the cut in spending on social protection was only three tenths, from 3.2% to 2.9%; percentages much lower than those of Spain, among other reasons, because the unemployment rate in the EU is 8.1% … by 18.6% in Spain.

The second scenario is the most expensive for public coffers. Spain dedicated in 2014 to protect their elders 20.5% of their spending. It is less than the EU average (21.5% in 2014 and two tenths more in 2015). Aging increases in all countries the money dedicated to their elders, but in Spain this spending has increased by 5.2 points since 2010, by just 1.6 points in the average of the EU countries.

Debt triggers spending on interest in the last decade

The X-ray of Spanish public spending, compared to the European Union, could be summarized in a country that devotes less percentage of its spending on social protection, health, education, defense and housing aid … and allocates more money that the community average to finance general services (especially to pay interest on the debt), culture and the environment.

The loss of weight in 2015 stands out in the General Public Services, an area that basically includes the disbursements in the executive and legislative bodies of the country, as well as in the expenses derived from the debt. This item was dedicated to 14.9% of spending in 2015, seven tenths less than the previous year … but still above the 12.6% that existed before the crisis.

The main reason for the increase has been the high interest expense of the debt, which is currently rising above 100% of GDP. If in 2007 our country owed 383,798 million euros, by the end of 2015 the debt had risen above one trillion. This has caused that the percentage of GDP dedicated to cover interest has doubled from 4.1% a decade ago to 8% that it showed in 2014.

In 2015, spending on Economy and Industry also decreased (10%, two tenths less than the previous year), while the disbursement quota devoted to Health increased (six tenths more, up to 14.2%), to Education (9.3% after a gain of two tenths), to Defense (2.2%, with three tenths added) and to public order and security , with one tenth more. The rest of the big games maintain the level of the previous year.

Public debt will reach 90.5% of GDP in 2013, well above expectations

  • The government marked the public debt for next year at 82.3%.
  • The Bill of Budgets for this year provides for these circumstances the gross issuance of 207,173 million euros.
  • The interest on the debt will be around 3.5% of GDP.
  • An increase in short-term debt (Treasury bills) is expected, as investors seem to prefer it sooner than other longer instruments.
  • The Government details the General Budgets of 2013.

The public debt , which will stand at 85.3% at the end of 2012, will represent 90.5% of GDP in 2013 due to the new financial needs and the refinancing of maturities, as well as the impact of instruments such as the Fondo de Payment to Suppliers or the credit for the recapitalization of the bank.

The figure for 2013 exceeds the previous forecast of the Government by more than eight percentage points. The previous figure pointed to a debt to GDP ratio of 82.3% for next year. In the case of central government debt, it is expected to stand at 70.2% in 2013, compared to 66.1% in 2012.

The Executive also notes that "the possibility that the ECB will buy Spanish debt seems to improve the issuance conditions and will suppress the growth of the cost of the debt in 2013.

Interest on the debt goes up

In addition, the cost of paying interest on the debt will amount to 38,590 million euros, in cash terms, or 36,460 million euros in terms of national accounting. In both cases it will be around 3.5% of GDP.

Behind this sharp rise in the debt burden are not only the needs of indebtedness due to the economic crisis, but also the European loan for banking , as well as the contribution of Spain to the rescue of Greece and Portugal, the payment program for suppliers, and the fund to securitize the electricity tariff deficit, FADE.

Gross issuance of 207,173 million

The Bill of Budgets for this year provides for these circumstances the gross issuance of 207,173 million euros , of which 48,020 million correspond to the net financing needs, once including the obligations contracted with the ESM, amounting to 3,809 million .

41.4% of the issue will be in letters and 51% in bonds and obligations This net issuance will be obtained in a proportion of 41.4% in letters and 51% in bonds and obligations . The rest of debts in euros and in foreign currency will provide a positive net financing of 7.6%, if foreign currency debt is issued. As an alternative, the possibility of issuing up to 6,000 million in other debts and currencies is contemplated.

The Government estimates that the debt repayments of the State for this year will be 159,153 million euros, 3.8% more than in 2012. The figure will depend on the emissions of bills made in the remainder of 2012 with expiration in 2013

The figure is the result of the expected amortization of bills (96,800 million), bonds and obligations (60,000 million) and debt in foreign currencies and other debts (2,353 million).

It will increase short-term debt

The government expects next year that the state debt portfolio in circulation will increase the share of short-term debt (treasury bills), to the detriment of longer instruments such as bonds and bonds, "since investors show preference for the shortest periods. " Of every 1,000 euros that the Treasury issues, it is calculated that 410 euros will be in bills and 510 in bonds and obligations.

In addition, in the other debt section there is an increase in its share of the total , up to 5.7% of outstanding debt, due to the impact of the loan for the recapitalization of the financial system with the European Stability Facility. Financial

On the other hand, the average life of the State's debt portfolio will fall from the estimated close for 2012, of 6.25 years , because the issuance of long-term instruments will be "significantly lower" in 2013. Thus, it is foreseen an average life of this debt between 5.7 and 5.9 years.

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Question of the week: What should be considered for credit cards without fees?

Friday, 20.10.17 , written by Annabell Meyer A no-charge credit card is a staple of many banks’ portfolios of clients. As a new test of Stiftung Warentest shows, however, many cards are ultimately not completely free. Instead, customers often have to dig deep into their pockets if they are not paying attention. The fault is often the so-called partial payment. >

Bei der Kreditkarte ohne Gebühren genau auf das Kleingedruckte achten

Many banks offer credit cards without fees

  • Many banks attract customers with offers for a credit card without fees.
  • But hidden costs can lurk, warns the Stiftung Warentest in a recent test.
  • In order to find the right credit card, it is important to closely examine the fine print of various offers.

Whether booking a flight online, buying a train ticket or withdrawing money on holiday – the credit card is a popular means of payment for transactions such as these. For many banks, payment should be possible free of charge. But even if the credit card apparently runs without any fees such as an annual fee or interest on withdrawing money, some providers may face hidden costs at second glance . Thus, some banks have already set in the application for the credit card, the default “partial payment” or “revolving credit”, which can ultimately generate high interest rates for customers. Up to 23 percent will be impacted on the credit card transactions, shows a recent comparison of Stiftung Warentest.

Credit card without fees: pay attention to hidden costs

For the new financial test (11/2017), the consumer organization has taken a total of 23 credit cards under the microscope. These included offers with and without a current account. Some offers promise a credit card with no fees. But especially for the cards without checking account customers should look closely into the respective terms and conditions and check whether a partial payment has been agreed .

The principle of partial payment means that if you pay with the card, only a small part of the total will be taken directly from your account . The rest have to pay customers themselves. For example, if the cardholder pays a new coffee machine for $ 2,000 by credit card, the bank will only deduct 2.5 percent of it, or $ 50, from the account. The remaining € 1,950 must be paid back by the user himself to the bank.

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What consequences does a credit card with partial payment for customers have?

With a part-payment credit card , customers can choose to a certain extent to repay the open amount at once or in installments. If you decide to pay in installments or do not settle the open balance at the bank on time, you have to accept high interest rates . In comparison with Stiftung Warentest, these are between 12 and 23 percent. While the agreement can be reversed by telephone or online at some banks after conclusion of the contract, it is not possible for other banks to exclude the partial payment. Thus, the expected credit card without fees, especially for people who use them daily, quickly become expensive. Therefore, to avoid high extra costs, customers should make up for their payments quickly .

Credit card without charges: avoid high costs for the dispo

In addition to the credit cards without a current account, the testers have also checked seven cards with free account, from which the amounts are debited. There are two options: the debit or the charge credit card. For the former, any payment with the card will be deducted directly from the account. With the batch version, the credit card transactions are charged once a month.

Especially with this variant, however, customers can easily fall into a cost trap . Because even if the credit card officially comes with no fees for withdrawing or paying and waives the installment option, they may expect extra costs. This applies if the current account is not covered at the time of debiting and account holders thus slip into the dispo. Therefore, users should ensure that there is always enough money in the account to cover credit card sales.

For the selection of a suitable credit card, Stiftung Warentest generally advises not simply accepting the first offer from one’s own bank, but rather precisely comparing different options. Because sometimes require the local banks for the credit card additional costs, such as fees for withdrawing abroad.

Here are tips and more information about the investment. >

Annabell Meyer

editorial staff

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Sentenced a man who tried to take up to 14 times money from a cashier and denied being him even though it was recorded

The third section of the Provincial Court of Cantabria has sentenced to one year and three months of imprisonment, a man who managed to take almost 600 euros with a credit card from another person and tried to make up to fourteen extractions at various ATMs without achieve its purpose.

The third section of the Provincial Court of Cantabria has sentenced to one year and three months of imprisonment, a man who managed to take almost 600 euros with a credit card from another person and tried to make up to fourteen extractions at various ATMs without achieve its purpose.

The ruling, made public this Tuesday, thus dismisses the appeal filed by the defendant, Ramón LM, against the sentence issued by the Criminal Court No. 3 of Santander for a continued crime of fraud.

The court considers it proven that the defendant, after undeterminedly obtaining a credit card owned by another person, went, on November 21, 2006, to a cashier in Vargas street in Santander where, using the code that the owner of the card he had written on it, he made a first withdrawal for the amount of 100 euros.

One minute later, at 13.31 hours, he took out another 190 euros, and later that same day he went to different ATMs in Santander where, with the same card, he tried to make up to a total of fourteen refund operations that were unsuccessful.

In the same way, and about six in the morning of the following day, the accused went to the cashier of a bank branch located in the street Jesus of Monastery, where he managed to make another extraction for the amount of 300 euros.

Due to these facts, he was convicted and now the appellate court has rejected the appeal that the defendant filed against the judgment of the first instance when his authorship was proven.

It was recorded

Thus, the court rejects the allegation of the convicted person who in the appeal alleged that he was not the author of the extractions of money, denying that it was the person who appears filmed by a camera located in one of the ATMs, and who also alleged the existence of undue delay in the process after three years between the events and the prosecution.

Regarding the authorship of the crime, the court highlights the evidence that the card was used by the same person and that the camera of one of the cashiers recorded "perfectly" who tried to extract money, to the point that they are distinguished "perfectly "the face, face and neck of the person, since the image is in the foreground.

He also adds that this person is "exactly the same" as the one that appears in some photographs taken from a review of the Civil Guard corresponding to the year 2006, in which the extractions took place, both the consummated ones and those that were left in an attempt.

But it is also that the ruling shows that when the accused was asked in the oral proceedings if he recognized himself in the photograph, he said that yes, that was he, indications, in the judgment of the court, "more than relevant" no matter how much At present, the accused has lost weight and presented himself to the trial without glasses.

And although the defendant went so far as to claim that he could not be the author of the nocturnal extractions given that he was in the third penitentiary degree and slept in the jail on Calle Alta de Santander, the ruling indicates that it is an easily certified circumstance -bastaba certification of the director of the prison- that not even tried, and concludes that he has "no doubt" about the authorship of the accused who also sentences and imposes the costs of appeal.

And with regard to the allegation of undue delays in the process, the court also dismisses this ground of appeal, stating that it has not been done since one thing is that the events took place in November 2006 and were judged in the same month of 2009, " and another very different "that undue delays are seen as there have been no procedural paralyzes, or temporary lapses of procedural inactivity, but that some delays have been caused by the defendant himself not communicating his whereabouts and even these were of short duration.

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