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Negative interest on credit When it suddenly costs you to save

As of: 06/18/2021 8:58 a.m.

Up to now, banks have mainly charged new customers with negative interest rates. It also affects existing customers more and more frequently. Consumer advocates advise to be clear about what you want to do with the money.

From Iris Völlnagel, SWR

Anger and complaints from consumers are part of everyday life for Josephine Holzhäuser, financial expert at the consumer center in Rhineland-Palatinate. But since the beginning of the year, more and more consumers have come to her who have left their financial institutions “betrayed and sold” feel. The reason: More and more banks and savings banks are introducing negative interest rates on current and savings accounts.

More than 345 institutes collect negative interest

Many older people, but also younger ones, now sought advice from consumer advocates. Most of them have been customers for years, have taken out their mortgage lending or insurances with the banks, and now they are being threatened with termination if they are not willing to pay negative interest, says Holzhäuser. “From my point of view, this is a clumsy business practice.” People feel compelled and pressured. Many older people are overwhelmed – especially those who are not so fit online. Since the beginning of the year, more than 170 banks and savings banks in Germany have introduced negative interest rates. This is the result of a study on the www.biallo.de Internet portal. Every third bank only grants an allowance of 25,000 euros. The consumer portal Verivox also regularly researches and publishes the product overviews and price lists of around 1,300 credit institutions that are accessible online. As a result, more than 345 banks have now introduced negative interest rates for private customers. 19 banks charge fees for the call money account, which is usually free of charge. This also creates a de facto negative interest rate. In addition, there are the banks that do not publish any information, according to Verivox. Most recently, Postbank announced that it would lower the exemption limits for savings deposits on June 21 and one for new customers “Custody fee” from 50,000 euros on the current account and 25,000 euros on the daily allowance account. Contributions above this limit are charged with 0.5 percent. So far, the tax exemption has been 100,000 euros.

Banks point their fingers at the ECB

As a reason for that “Custody fee” the financial institutions repeatedly claim that they themselves pay negative interest rates to the European Central Bank (ECB). In 2014 it began to charge penalty interest on money that the commercial banks park in their central bank accounts. However, the banks are now granted exemptions. Critics therefore complain that the financial houses are doing business with negative interest rates.

This practice will not change in the foreseeable future, fears consumer advocate Holzhäuser. “If one bank does it, the others follow suit. If the pace continues, one no longer looks to see which bank has no negative interest, but from which tax exemption”, so wooden houses. David Bode from the legal enforcement team of the Federal Association of Consumer Organizations knows whether the introduction of negative interest is generally permissible. The association has filed suits at different courts in several federal states. It concerns both current and overnight money accounts. How long the litigation will take is difficult to estimate, according to Bode. There could possibly be first judgments in the current calendar year. In the end, the Federal Court of Justice may have to decide.

Consumers in a bind

A basic distinction should be made between existing and new customers. The latter advises the financial expert Holzhäuser to look at the small print before signing the contract. In the meantime, it is noted in the general terms and conditions whether negative interest is charged above a certain amount.

This is different with existing customers, where changes require an individual agreement. In the past year, the banks would have allowed existing customers to talk to them. In the meantime, the banks are going to terminate their business relationships. “That has another dimension”, so the consumer advocate. “As a customer, I then have to decide whether to sign or not.” In the meantime, however, she advises signing more and more often, according to Holzhäuser. “If people want to stay with the bank, they have to bite the bullet and watch the further case law.” If you don’t want to sign, you shouldn’t wait for the bank to give notice of termination, advises the consumer advocate. “We cannot yet assess how such a termination will affect Schufa, for example.” Alternatively, consumers could look for a new bank. As a rule, you have some time because the bank contacts its customers one to two months in advance.

Shift money, check investments

Many banks charged negative interest for amounts in excess of 100,000 euros. This corresponds to the amount of the deposit protection; that is, the amount for which the bank guarantees in the event of a total failure. If you have more in your account, you should distribute your money between several accounts at different institutions, according to the advice of the financial expert.

After all, everyone should check why they have so much money in their account at all, according to the consumer advocate. The following also applies: do not accept every offer without review. “In case of doubt, it is better to go with negative interest than to invest the money headlong.” A unit-linked annuity insurance with a term of twelve years is not an adequate offer for people over 70, according to Holzhäuser. You can also deposit the money in a locker or safe at any time. Just leaving it at home is the worst option because of the risk of theft, according to the financial expert

“Pollen” has been waiting for two years, and everyone is expected to return

After “Hanfen” waited for two years, Hongmeng ushered in the first version of the upgrade test , And has also accelerated the adaptation progress, Mate20, P30 and other users have also started internal testing, and other models will also launch corresponding upgrade plans in the future. Because Hongmeng is currently one of Huawei’s most important competitiveness in the consumer business, it also attaches great importance to this.

in After a short period of one week, Huawei’s number of upgrades has exceeded 10 million. At this rate, it is not a problem to adapt to 300 million devices by the end of the year. However, Hongmeng, who is in the midst of the sky, is currently experiencing a little situation. After upgrading Hongmeng, many users have reported that their phones are hot, freezes, and consume high power, which is seriously inconsistent with the smoothness and power saving previously claimed.

Hongmeng is troubled by bad reviews, and Huawei has no choice but to respond to “defects”

And this situation is constantly being magnified on the Internet, and even Individual users also experienced other problems, such as crashes, restarts, and slow charging. This not only makes many people suspect that the number of users who upgraded before was small, and the problem was not obvious, but As the number of users gradually increased, more and more people began to discover the problems, and the defects began to be exposed. Could it be that the beginning of Hongmeng was prosperous?

In response to this situation, Huawei officials also helplessly responded. Judging from what Huawei said in response, After the new user upgrades Hongmeng, there will be two to three days of optimization time. This period of time is mainly for the hardware and software to be properly matched. , Has reached the best user experience. In fact, this problem also exists on the Android system and cannot be called a defect. It’s just that there are too many internal data in the phone, and there are data replacements in the upgrade from Android to Hongmeng, and there will be compatibility problems between the new system and the old data. , So you need to give the phone a certain amount of optimization time.

in fact For most ordinary users and users who have no experience in flashing, it is not particularly recommended to upgrade Hongmeng , Because in the initial situation, Hongmeng will certainly not be perfect, there must be certain minor shortcomings is definitely an inevitable situation, we must also treat this situation rationally.

Old models should also be mentally prepared

and For some old models, Hongmeng does not actually make the phone smoother and more complete. Because each model supports different functions, Kirin 9000 and Kirin 980, 970 have different internal support functions. In addition, the hardware of the old model has a certain degree of aging. Therefore, the castration of the old models and the weakening of the performance are inevitable. The “Pollen” must be psychologically prepared for this.

Whether it is Android or Apple, it has gone through quite a long period of optimization and upgrades to achieve current results, so Facing the rising star of Hongmeng, we must also give more time Moreover, the first version of Android is better than the original Android and IOS, so Hongmeng’s development potential can be said to be quite huge.

What do you think?

Recently, La Cala released its 2020 performance report. The data shows that the company achieved both revenue and profit growth. The total annual revenue was 5.562 billion yuan, a year-on-year increase of 13.53%. The net profit attributable to shareholders of listed companies was 931 million yuan, a year-on-year increase of 15.43%. 15%, the cumulative number of service merchants exceeds 25 million.

If we only look at the information disclosed in the financial report, La Cala’s performance in 2020 is impressive, but in fact, from the perspective of revenue growth and profit growth, La Cala’s performance is not stable. This is based on La Cala’s performance in the past three years. Performance can be verified.

In 2018, La Cala’s revenue growth rate was 204%; in 2019, it was -14%; in 2020, it was 13.53%. At the level of net profit, La Cala’s net profit attributable to the parent increased by 27.4% in 2018; 35.56% in 2019; 15.43% in 2020, and profit growth has declined.

On the whole, the current La Cala is experiencing a slowdown in performance growth, the market reputation has declined due to repeated penalties by the regulatory authorities, frequent changes in business operations, and there are problems such as ambiguous relationship installment platforms falling into loan sharks.

In addition, in the third-party complaint platform Black Cat complaints, the financial value-added business “easy installment” spun off by Lakala has been complained many times.

While the malicious recommendation of various routine loans was criticized by consumers, Yi installment was also complained by consumers about the problem of violent collection.

The complainant stated that in December 2020, he borrowed 8,900 yuan from the Easy Installment platform, and after the bill came out, he would have to repay 1,3557.6 yuan and also 897.90 yuan as a security deposit, and the interest was beyond the national scope. And every time the repayment time is not up, I continue to call myself and my family members.

It is worth noting that Lakala does not admit that the company has any relationship with Easy Instalment. It has stated in public response that Easy Instalment is a product operated by the Koala Jinke Holding Company, a subsidiary of Tibet Koala Technology Development Co., Ltd. Cara is an independent company.

Interestingly, in La Cala’s 2020 announcement, Koala Jinke has become a related party of the company.

In addition, it is worth noting that there are reports that many banks will pull Carrara black. Earlier, there was a report that Hua Xia Bank adjusted the credit card scoring rules to “block” 19 third-party payment companies, including Lakala Payment, and that transactions handled by these payment companies would no longer accumulate points. Hua Xia Bank also stated that “payment institutions that do not accumulate points will be updated from time to time.”

In response to this, Lakala responded that the relevant regulations of the competent department are legal and compliant to carry out POS machine business. We have always strictly investigated the behavior of illegal operations under the name of Lakala.

Prior to this, Lakala Payment has been blacklisted by Minsheng, Guangfa, and China Everbright Bank.

In June, Minsheng Bank issued an announcement stating that starting from August 1, 2020, credit card points accumulation rules will be adjusted. Some of the transactions accepted by third-party payment companies will no longer accumulate points. The top three codes of Lakala Payment “822” is on the blacklist.

Subsequently, China Guangfa Bank also issued an announcement that starting from August 2, 2020, in order to ensure the safety of customers’ card use and encourage standardized card use, Guangfa will add a new list of merchants that do not accumulate points, and Lakala Payment will also be listed.

In September, the Everbright Bank Credit Card Center issued the “Announcement on Merchants Not Accumulating Points for Everbright Bank Credit Cards”. Some third-party payment companies will no longer accumulate points for transactions handled by third-party payment companies. Another bank blacklisted Lakala Payment.

In recent years, some cardholders have cashed out through third-party payment transactions and used lower-rate POS machines to brush high points. From this, “wool” arbitrage and other behaviors have been repeatedly prohibited, so banks have resorted to blacklisting and other means.

Relevant data shows that as of the end of 2020, there are 233 third-party payment companies in my country, mainly in the small, medium and micro acquiring market. Due to the large number of market participants, the small, medium and micro acquiring market is already highly competitive.

In addition to third-party payment companies, many Internet giants have begun to turn their attention to this market. WeChat’s Oasis Action and Alipay’s Blue Ocean Action both cultivate and support local service providers and expand small and micro merchants. Meituan is also entering the market through acquisitions. In the past, La Kala could benefit from the increase in industry concentration by virtue of its leading advantages, but now with the Internet giants coming to disrupt the situation, La Kala’s life is becoming more and more sad.

It is worth noting that, in order to consolidate the status of offline acquiring business, Alipay will extend the free withdrawal service of “receiving code” to merchants for another 3 years, until March 31, 2024, and the withdrawal is free, and there is no single upper limit and The single-day cap, which may have an impact on La Cala’s future growth.

In this season, the grasses in the early spring in the wild have also begun to grow, and Artemisia sphaerocephala is the first wild vegetable that turns green in spring. Artemisia sphaerocephala is not only a wild vegetable, but also a traditional Chinese medicine. It can be said that it is a kind of medicine and food. Artemisia sphaerocephala is a kind of traditional Chinese medicine. Artemisia argyi also has a good effect on coughing, sore throat and so on. When I was young, every spring my mother would take us to dig wormwood on the hillside in the wild, put red dates and boiled water for us to drink, and make dumplings and buns are all very good flavors. Today I will share with you a very simple method. Once it is steamed, it is served on the table. It is fragrant and delicious. Don’t miss it in early spring. It’s a pity if you don’t know how to eat.

Materials used: Artemisia argyi, flour, salt. Dip: garlic, light soy sauce, vinegar, sesame oil, salt.

Practice steps:

The first step: Artemisia sphaerocephala is dug out in the wild. Artemisia sphaerocephala is still very small this season, but it is very tender and has no bitter taste. It is the most suitable for eating. Not only is it steamed and delicious, it is great for making buns and dumplings. When digging for wild vegetables, you must recognize Artemisia sylvestris. Artemisia sphaerocephala is similar to wormwood, but there will be a layer of white fluff on the surface of Artemisia sylvestris, but Artemisia spp. does not.

Step 2: Pick the wormwood that was dug up, rinse and soak for a while, remove it.

Step 3: Put the removed Artemisia annua into a basin directly without controlling the water content, and add a little flour and salt.

Step 4: Grab and mix evenly with your hands, so that each plant of Artemisia annua is covered with flour. Be sure not to add too much flour. If you add too much flour, the steamed wormwood will become hard and not tasty.

Step 5: Put the mixed white wormwood in a cage and steam it on high heat for about 10 minutes.

Step 7: Artemisia sylvestris is cooked thoroughly, and you can put it on the basket to see that the stalks of Artemisia sylvestris steamed in this way are distinct and taste good. Don’t make a mistake in this one step of steaming wild vegetables. It tastes fresh and delicious. The throat is comfortable and does not cough. It is a pity that you do not know how to eat.

Step 8: It tastes better with a bowl of garlic dipping sauce. Garlic juice method: mash garlic into puree, add light soy sauce, vinegar, sesame oil, salt and mix well and serve.

Feng’er words:

1. Artemisia sphaerocephala should be recognized and dig again. Even if Artemisia seed is mixed with wild plants, it does not matter, it is also an edible wild vegetable.

2. When steaming wild vegetables, remember not to put too much flour. Steamed wild vegetables with too much flour are all dough, which is not tasty.

   Thanks for reading my article. It will be updated every day. There are time-saving breakfast, Chinese food, various pastries, baking, jam, sorbet, desserts, etc. Welcome everyone to visit. Like all of my home-cooked food, please like it~ share~ collect~ follow~ I am waiting for you here~~ the original image and text Xuefenger, theft must be investigated!!!

On April 15, the Consumer Protection Bureau of the China Banking and Insurance Regulatory Commission issued the “Notice on Consumer Complaints in the Fourth Quarter of 2020” (hereinafter referred to as the “Notice”), which notified the banking industry that the China Banking and Insurance Regulatory Commission and its dispatched agencies received and transferred. Consumer complaints.

The “Notice” pointed out that in the fourth quarter of 2020, the China Banking and Insurance Regulatory Commission and its dispatched offices received and forwarded 76,224 consumer complaints from the banking industry, a decrease of 10.4% from the previous quarter.

Among them, there were 25,873 cases involving large state-owned commercial banks, a decrease of 5.2% from the previous month, accounting for 33.9% of the total number of complaints; 31,849 cases of joint-stock commercial banks, a decrease of 15.0% from the previous month, accounting for 41.8% of the total number of complaints.

The “Notice” stated that the median number of complaints from large state-owned commercial banks was 4376. The number of complaints from China Construction Bank and Industrial and Commercial Bank of China ranks among the top two large state-owned commercial banks.

The median number of complaints from joint-stock commercial banks was 2,959. China Merchants Bank, Ping An Bank, and China CITIC Bank ranked the top three joint-stock commercial banks in terms of complaints.

In terms of the number of complaints, the Bank of Communications ranked first in the number of large state-owned commercial banks in terms of complaints per 1,000 business outlets, and the Bank of Communications ranked first in the number of large state-owned commercial banks in terms of complaints per tens of millions of individual customers. Ping An Bank ranks first in the number of joint-stock commercial banks in terms of complaints per 1,000 business outlets, and Hua Xia Bank, Industrial Bank, and Ping An Bank ranks among the top three joint-stock commercial banks in terms of complaints per tens of millions of individual customers.

In addition, in the fourth quarter of 2020, there were 44,621 complaints involving credit card business, a decrease of 7.8% from the previous quarter, accounting for 58.5% of the total number of complaints.

Among the complaints involving large state-owned commercial banks, there were 15,043 complaints about credit card business, a month-on-month increase of 2.8%, accounting for 58.1% of the total complaints of large state-owned commercial banks; among the complaints involving joint-stock commercial banks, there were 26,800 credit card business complaints, a decrease from the previous month. 13.2%, accounting for 84.1% of the total number of complaints from joint-stock commercial banks.

The number of credit card business complaints from China Construction Bank and Bank of Communications ranks among the top two large state-owned commercial banks. China Merchants Bank, China CITIC Bank, and Ping An Bank ranked the top three joint-stock commercial banks in terms of credit card business complaints.

There were 18,102 complaints involving personal loan business, a decrease of 10.5% from the previous month, accounting for 23.7% of the total number of complaints. The personal loan business complaints of Industrial and Commercial Bank of China and Agricultural Bank of China rank among the top two large state-owned commercial banks. Ping An Bank ranked first in the number of joint-stock commercial banks in terms of complaints regarding personal loan business.

In the fourth quarter of 2020, there were 3338 complaints involving wealth management businesses, a decrease of 23.0% from the previous quarter, accounting for 4.4% of the total number of complaints. Postal Savings Bank of China ranked first in the number of large state-owned commercial banks in terms of complaints concerning wealth management services. Ping An Bank, China Merchants Bank, and Shanghai Pudong Development Bank ranked the top three joint-stock commercial banks in terms of complaints about wealth management services.

CONTENT:::

1. What foods increase the risk of complications in mumps?
2. Can a person with mumps eat chicken and beef?
3. Can you drink milk if you have mumps?
4. Is orange juice a food for mumps patients should choose?
5. Can mumps eat eggs?
6. Can mumps eat spicy foods?
7. Why should mumps patients not eat sticky rice?
8. Can mumps eat sweets?

1. What foods increase the risk of complications in mumps?

Foods that increase inflammation such as fried foods, processed foods, greasy foods, sweets, …

– The dishes made from sticky rice such as banh chung, sticky rice, banh mi, … can cause the salivary glands to swell, prolonged illness, increasing the risk of complications. As a result, they are not suitable in addition to the mumps patient’s diet.

– Absolutely do not use alcohol, alcoholic drinks or stimulants.

2. Can a person with mumps eat chicken and beef?

Chicken and beef are delicious and nutritious food. But these are not good recommendations when it comes to food choices for mumps. The reason is that chicken and beef are very chewy and difficult to digest. It will cause the patient to chew more, affecting the swollen salivary glands.

If you eat chicken and beef try to chop them and cook them soft. You can refer to dishes such as casseroles, chicken soup, chicken porridge, minced beef, …

Mumps patients can eat chicken and beef if it is chopped and cooked softly (Photo: Internet)

3. Can you drink milk if you have mumps?

Milk is rich in vitamins and minerals, can provide energy and nutrition to the body quickly. It is easy to absorb and the patient does not need to chew and swallow much. Therefore, you can drink milk every day when you have mumps.

4. Is orange juice a food for mumps patients should choose?

Orange juice is rich in vitamin C, has a very good resistance-enhancing effect. Therefore, when sick, sick and depressed, people often drink orange juice.

However, orange juice is not a suitable food for mumps patients. Because oranges have a sour taste, it stimulates the salivary glands to work more, increasing saliva production. This will increase pain, making the patient feel uncomfortable. Therefore, remember when choosing foods for mumps patients should avoid acidic fruits such as oranges, grapefruit, strawberries, pineapples, etc.

5. Can mumps eat eggs?

Eggs are considered a golden food because they have a very high nutritional value. Mumps patients with eggs are also very good. Dishes such as egg porridge, egg soup, egg soup, … are also easy to eat, suitable for people suffering from mumps. However, you should only eat eggs 3-4 times / week to avoid indigestion.

Eggs are considered as golden food because they have a very high nutritional value (Photo: Internet)

6. Can mumps eat spicy foods?

Like sour food, spicy foods will stimulate the salivary glands to work more, increasing saliva production. This will increase the burning sensation and pain, making the patient feel uncomfortable. Even spicy foods bring more intense pain than pickles.

Spicy food is also not good for the weak digestive system of mumps patients. Therefore, it’s best not to eat spicy foods when you have mumps.

7. Why should mumps patients not eat sticky rice?

Xoi is a dish made from sticky rice. Sticky rice is rich in nutrients and energy. However, starch in glutinous rice has a branchy structure, difficult to split, very indigestible. This increases the pressure on the already weakened digestive system of mumps patients.

Why should mumps patients not eat sticky rice? (Photo: Internet)

On the other hand, sticky rice is a hot food that easily aggravates the swelling and pus symptoms of mumps. Therefore, in order for the disease not to last long, you should not eat sticky rice during mumps.

8. Can mumps eat sweets?

When mumps, patients often suffer from mouth pain and swelling, so they are very lazy to eat and drink. Sweets are the food that energizes the patient very well. However, patients should only add soft fruits with natural sweetness. Avoid adding industrial sweets such as confectionery, sugar, soft drinks, …