Five years right to an account Criticism of high basic account fees

Status: 06/18/2021 4:44 p.m.

Everyone has had the right to a basic account for five years. This should help poorer people to get a checking account. It hits hard when banks turn the fee screw in times of negative interest rates. Paying salaries, shopping online, electricity bills – hardly anything works without a checking account. In the past, for example, people without a permanent address or refugees often had a difficult time opening an account. With the Implementation of an EU directive from 2014 The legal situation in Germany changed five years ago: since then, every citizen has been entitled to a so-called basic account. It is intended to give everyone an inexpensive way to conduct banking transactions with a checking account. But the fees for these financial products are increasing – to the displeasure of those affected and the critics. The prerequisite for setting up a basic account is that you are legally resident in the European Union. The account holder receives a bank card and can transfer money. A bank may only reject the application to open a basic account in rare cases, for example if a customer already uses an account with another bank in Germany.

Hundreds of thousands of basic accounts already

According to the latest figures from the financial supervisory authority BaFin, just under 761,500 basic accounts had been opened in Germany by June 2020. However, many institutes are paying dearly for the “Jedermann Accounts”. According to a study by Stiftung Warentest from last December, the range extends from twelve euros to 250 euros per year.

“The success of the basic account is at stake,” warns Julian Merzbacher from the Association of Citizens’ Movement Finanzwende. “Access to an account shouldn’t be a question of the wallet, because it is essential. Other European countries, in which the fees are capped at a low level, show that there is another way.”

Deutsche Bank put in its place

If necessary, the courts have to take action. In the past year the Federal Court of Justice (BGH) ruled in proceedings against Deutsche Bank . A monthly basic price of 8.99 euros and 1.50 euros for a paper transfer as part of a basic account are too high and therefore ineffective, judged the Karlsruhe judges (Az .: XI ZR 119/19). Since then, the bank has had to offer its basic account cheaper.

Fee cap required

In the opinion of Merzbacher’s colleague Michael Findeisen, Germany has only inadequately implemented the EU’s requirements. “The fee regulation urgently needs to be improved,” said the expert to the Protestant press service. The 68-year-old played a key role in shaping the relevant law, as head of division in the Federal Ministry of Finance. Five years later, Findeisen is retired and volunteers for the citizens’ movement Finanzwende.

Findisen demands a binding fee cap from politicians. “It is clear: the banks cannot earn anything with the basic account. But they can cross-finance that with the income from other financial services and products.”

Missing computer chips Short-time work at VW and Daimler

Status: 16.06.2021 10:23 a.m.

Time and again, the production lines in car plants stand still – the manufacturers refer to the industry-wide shortage of chips. Now it hits Volkswagen and Daimler again. When will the situation improve? From Angela Göpfert, tagesschau.de There will be stoppages in the coming week at the VW main plant. In the Tiguan, Touran and Tarraco production as well as in the Golf production in the late and night shifts, the Wolfsburg switch to short-time work. In the Daimler plants in Bremen and Rastatt, short-time work is already the order of the day. The reason is once again the industry-wide shortage of chips.

06/08/2021

Interruptions cost billions

It is nowhere near the first time that the shortage of semiconductors has slowed automakers’ production. It was not until the end of May that the VW luxury subsidiary Audi at the Ingolstadt and Neckarsulm locations suffered production interruptions. BMW had been hit a few weeks earlier. The Ford plant in Cologne is also affected. The German auto industry is not alone with its problems: The US auto giant Ford calculates charges of around 2.5 billion dollars this year due to the lack of chips. The problems in the automotive industry have consequences for the entire economy. Just today, the researchers at the Munich Ifo Institute lowered their forecast for the growth of the German gross domestic product this year from 3.7 to 3.3 percent. To justify this, they also referred to bottlenecks in the delivery of intermediate products such as semiconductors.

Improvement in the third quarter?

It could take a few more weeks for a change for the better. According to experts, the automotive industry is heading for the lowest point. “We are facing the toughest six weeks,” said Murat Aksel, VW Board Member for Purchasing, recently in an interview with the “Handelsblatt”. The situation should improve again in the third quarter. Competitor Daimler also expects an improvement in the second half of the year. The Boston Consulting Group (BCG) also estimates that the situation should ease from July.

Around four million cars less

Because of the lack of chips, automakers worldwide produced 1.4 million fewer cars in the first quarter and 1.6 million in the second quarter, the BCG experts calculate. For the entire year 2021, the failures are likely to amount to four to six million vehicles.

05/04/2021

The consulting firm Alix Partners in Munich estimates 3.9 million cars. This corresponds to a value of non-produced cars of around 91 billion euros.

Lessons from the shortage of chips

The car manufacturers have long since learned their lessons from the shortage of chips: They are carefully reviewing their supply chains and are not only expanding their warehousing for chips. After all, the supply chains have thinned out after a pandemic for more than a year, even for important intermediate products, for example in the chemical industry.

06/07/2021

Security of supply is suddenly a priority again after years of just-in-time delivery. Chip manufacturers are also taking strong countermeasures and are pushing ahead with expanding their capacities at full speed. In Germany, the new high-tech chip factory from Bosch ensure regional supplies.

Misjudgments as the cause

But how did it come to that? Where does this lack of chips come from, which is currently keeping the auto industry and its employees in suspense? With the outbreak of the corona pandemic, demand for cars collapsed and chip manufacturers cut their production plans.

05/31/2021

When the demand for new vehicles suddenly increased surprisingly in the summer of 2020, chip manufacturers such as Infineon or NXP were overwhelmed by the demand. The current chip shortage is therefore based on a whole series of misjudgments – on the part of car manufacturers and suppliers, but also on the part of chip manufacturers. The lack of chips also shows that the auto industry did not come through the Corona crisis as badly as feared.

As of 10:00 on June 15th, 2021, the #圣象Different venues, the same ping-pong Douyin national mission, initiated by Dexiang Floor, has received 8000w+ views on all platforms and 264.5w+ likes. The popularity continues to rise at the same time. , The national flooring brand Dekor once again relied on its extremely high attention to make it out of the circle at the speed of light. This is also another successful demonstration of Dekor Flooring on the road of youthful marketing.

Try to rejuvenate and freshen the game, and promote the participation of the whole people through Douyin dissemination

In fact, the National Mission of Dekor Tik Tok is the continuation and implementation of the “Floor Ping Pong Fitness Public Welfare Action” initiated on May 22 with the National Table Tennis team members Qin Zhijian, Liu Shiwen, and Xu Xin. The “Floor Ping Pong Fitness Public Welfare Action” It is calling for national fitness and conveying the concept of healthy life. #圣象Different stadiums and the opening of the national task of ping-pong will bring the concept of healthy life through fun-filled interactions, which exactly caters to the needs of young people’s home sports. Judging from the video co-photographed with the national table tennis players on the topic page, the national table tennis players have made a good demonstration of the floor table tennis fitness exercise. At the same time, through the large traffic promotion on the Douyin platform, the topic has set off a youthful trend among young people.

It was officially launched on May 31. #圣象Different venues also received the active participation of consumers in the ping-pong national mission. Within two weeks, a total of 5.6w+ excellent original entries were received, covering different styles and different gameplays. Creators with more than 10,000 fans contributed 8,252, and creators with more than 1,000 fans contributed 35,126, accounting for 56.08%. The user quality is high.

It is reported that the #圣象 different venues also have the same ping-pong national mission. A total of three creative games of Douyin Stickers, Douyin Co-production, and Live Challenges have been launched. In terms of operation, Dekor has launched a cute new and cute “Play Ping Pong”. Exclusive stickers. During the event, a total of over 6.3w people participated in online and offline experience. In addition to its novel form and simple operation, Dekor also brings the popular BGM of the Huo Douyin platform: “Acknowledged Right” to lead the whole people together in a relaxed and rhythmic rhythm!

With the increase in activity, “Same ping-pong in different venues” has become a hot word on the Douyin platform. Not only that, in order to send full benefits to elephant fans across the country, Dekor Floor has also set up a total of up to 300,000 bonuses. , Up to now, 49,000 bonuses have been divided, with the highest bonus being 1,055 yuan.

Strengthen the brand awareness with the national football, and the drainage effect is remarkable

Abundant and interesting challenge activities, suitable for young people’s preferred forms of communication, and efficient connection of the communication chain, have allowed Dekor Floor to derive countless high-quality original ecological videos. These original contents have undergone a second fermentation in the Internet ecology and become an empowering saint. Like a brand’s super weapon.

Background data shows that among all participating users, those under 31 accounted for 77% of the total; those aged 31-40 accounted for 21% of the total, mostly young users, which is positively related to the distribution of mainstream consumer groups in the market relationship. In addition to focusing on young users, exploring what users actually like is also one of the goals of this event. In the sticker event, Dekor set up a total of three rackets, corresponding to different floor categories. Each of the three rackets used 28,000 videos. Among them, the rackets using Dekor Aspen product stickers accounted for 35%, and the Dekor used for reinforcement. Wooden floor sticker rackets accounted for 73%, and the use of Dexiang Kangyi product sticker rackets accounted for 29%. From this, you can see the popularity of different types of Dekor flooring.

It is worth mentioning that during the event, a total of 2,340w people paid attention to the product information of Dekor Floor through the marketing and management tool “online appointment” that comes on top of each video comment area. From the strong launch of the Douyin platform, to the mass production of high-quality original video content, and to the precipitation of video-based word-of-mouth, Dekor Floor is empowering new business traffic with a brand-new content ecology and becoming friends with more young users.

As the user base and word-of-mouth precipitation gradually increase, Dekor will set new heights in the two dimensions of brand voice and category sales.

Opening sales on the first Friday saw a record high, up about 50% compared to “Flip 4”, and more than 130% compared to “Flip 3”. These remarkable achievements have helped the hundred-billion-dollar director Ly Hai own two films among the top-grossing Vietnamese films of all time. Recently, the film crew announced that “Flip Face: 48H” will officially open in the US from June 18, 2021 in theaters in the states of California, Texas, Colorado, Atlanta, Georgia, Washington, Virginia, Florida. In addition to the previous states, 1 week later on June 25, 2021, the film continues to expand its screening points at cinema clusters in the states of Phoenix, Arizona, Illionis, Massachusetts, Philadelphia, New Jersey, Washington… A scene from Flip Face : 48H The joy is multiplied when just setting foot in foreign markets, “Flip Face: 48H” has received warm support from fans. The film will be available in 22 theaters, this is an extremely impressive number, twice the number of “Flip Face 4” and many similar films. “Flip Face: 48H” belongs to the action-comedy genre, true to the strength of the director of Western origin. The film’s story revolves around Hien (played by Vo Thanh Tam) – a gentle delivery worker who is good at martial arts ready to do anything for his family. During the risk of being involved in a business case, Hien and his family suddenly became the target of a fierce hunt. Hien’s wife and children were kidnapped and threatened with life. Hien only has 48 hours to find out the truth of the matter and rescue his wife and children. Directed by Ly Hai Although the film possesses a classic family rescue plot, it is guaranteed to make the audience nervous and not daring to breathe during the main character’s escape. During nearly 120 minutes, director Ly Hai will “deploy the army” with a series of high-class action scenes and entertain viewers with a series of risky situations, martial arts, thrilling chases, and explosions. satisfied with the level of stimulation gradually increased. In particular, many scenes are performed by the actors themselves without the need for stunts to ensure the authenticity of each martial arts pose. Ly Hai shared that although he was born and raised in the West, this is the first time that Ly Hai has brought the Western river scene to the big screen. More than 90% of the scenes will be filmed in the West, spanning many different places: from land to water, from Cham villages to Cai Rang floating market. The context is bold with Vietnamese identity, which will be a personal and sincere gift that Ly Hai wants to give and send to Vietnamese audiences far away. Thanh Van snail- Vo Thanh Tam “Flip the face: 48H” is also the most carefully and carefully invested work by Ly Hai. The most impressive thing to mention is his “strong hand” when he invited director Kim Jung-min from Korea to take the position of consultant for the action part. In Korea, Kim Jung-min is known to the audience as the action director of the 2018 box office blockbuster The Witch: Part 1. The Subversion. Then the action scenes, billions of dollars, even building a whole new row of houses on stilts just to “break”, or mobilize up to 1000 mass actors to participate in a melee scene,… All were done. demonstrate the “risk”, the willingness to play, and the spirit of dedication of the unique cool-handed director of the Vietnamese film village. This has been rewarded with the support of millions of domestic audiences, and the unspeakable praise from critics. Famous kimchi director Lee Hwan-kyung (from the blockbuster Miracle in Cell No. 7 – the work that broke all sales records in Korea in 2013) was also surprised by the quality of “Flip the Face”. : 48H”. “I had a meeting scheduled at first, so I was going to watch a part,” he said. The rest after the meeting I will continue to watch. However, watching for a while, I was so immersed in it that I couldn’t stop. It did so well that it was like watching a Hollywood movie!” In addition, “Flip Face: 48H” also has the participation of talented actors Vo Thanh Tam, Oc Thanh Van, Huynh Dong, Mac Van Khoa, Ha Anh,… Full convergence of action elements Eye-catching, entertaining humor and emotional family story. Screening spots in the US this summer

The idea behind the study of nuclear fusion is to recreate how the Sun generates enormous amounts of energy, a process involving a large amount of heat and pressure that combine to form plasma, in which atomic particles fuse. with super speed. Scientists are looking to trigger and study these reactions on Earth with a variety of experimental equipment, but experts say that EAST, located at the Hefei Institute of Physical Sciences of the Academy of Sciences Chinese studies, is the most promising approach. Inside China’s “Artificial Sun”, the Tokamak Superconducting Reactor (EAST). Photo: Newatlas. The EAST is a metal toroidal device consisting of magnetic coils designed to sustain streams of superheated hydrogen plasma long enough for the above reactions to occur. In 2016, scientists at EAST heated a hydrogen plasma to about 50 million degrees Celsius and maintained it for 102 seconds. Then in 2018, they hit 100 million degrees Celsius, six times hotter than the Sun’s core, and lasted 10 seconds. According to the Xinhua , the latest test marks a big step forward, achieving a new record when heating the plasma to 120 million degrees Celsius and maintaining it for 101 seconds. In separate experiments, this “artificial sun” heated plasma to 160 million degrees Celsius in 20 seconds. The goal of EAST is to maintain the plasma at 100 million degrees Celsius for more than 1,000 seconds (about 17 minutes). These experiments are not designed to generate conventional electricity, but to advance the field of synthetic physics for next-generation devices such as ITER, the world’s largest nuclear fusion reactor is expected to be. completed by 2025. Similar to EAST, experiments on South Korea’s KSTAR reactor set a world record last year, maintaining plasma at more than 100 million degrees Celsius for 20 seconds. In addition, the country also announced the development of ITER and is expected to officially operate in 2035.

On the evening of May 27 (US time), the prominent names of the music industry came to the iHeartRadio Music Awards 2021 red carpet in Los Angeles, California. Demi Lovato in purple velvet vest design. This is the rare time she appears in front of the camera after admitting that she is pansexual. Megan Fox wears a jumpsuit with a chest cup, accompanied by young love Machine Gun Kelly. The two are not afraid to show their affection in public since making their relationship public. Doja Cat continues to be the center of attention with her liberal taste in organza dress design. Megan Thee Stallion, who led the nominations, showed off her figure in a cut-out mini skirt. She has been a music phenomenon since 2020 with hit hits, including the song WAP featuring Cardi B. Rapper Lil Nas X is trendy with ton-sur-ton nails and eye colors with the same outfit. He wears a series of earrings to create accents. A few days ago, Lil Nas had a costume problem on Saturday Night Live stage. Dancer Charli D’Amelio joined the event with musician Lil Huddy. The duo wore white-red outfits, matching the awards ceremony’s symbols. The vocalist Ava Max (left) mixes metal lingerie with corset pants and high heels over 20 cm. Meanwhile, comedian Nikki Glaser promotes a unique cut-out outfit. The tall figure of model Jennifer Lahmers is thoroughly exalted in a stylized suit. Several other guests attended the event. The iHeartRadio Music Award honors songs heard throughout the year on iHeartMedia stations and on iHeartRadio – iHeartMedia’s digital music platform. Founded by iHeartRadio in 2014, the event recognizes the year’s most loved artists and music. Readers can enjoy hits by Demi Lovato, Megan Thee Stallion, Doja Cat… https://zingmp3.vn/album/Hit-Au-My-Hay-Nhat-2021-Various-Artists/67F97OZE. html. In addition, Zing MP3 has also cooperated with major record labels in the world to own the rights to release all songs of many international artists such as Ed Sheeran, Lady Gaga, Dua Lipa, Charlie Puth,…

Snapchat icon on tablet screen. (Photo: AFP/VNA) On May 21, Snapchat – a popular social network for young people using smartphones, announced that it has reached 500 million monthly users around the world. Speaking at the opening of Snap’s parent company’s partner leadership conference, Snapchat CEO Evan Spiegel said: “We’ve now reached over 500 million monthly users, which is Nearly one in two smartphone users in the US uses Snapchat.” According to him, in the US, France, UK, Australia and the Netherlands, Snapchat is becoming an indispensable part of daily life. The percentage of users is up to 90% in the 13-24 year old age group, and 75% in the 13-34 year old age group. Snapchat has seen hot growth over the past year, as many customers have to stay indoors due to the pandemic. Spiegel said the Snapchat community outside of North America and Europe is growing rapidly. About 40% of the users of this social network are now outside the two regions. The aforementioned 500 million users are higher than any previous estimate, indicating a sharp increase in usage Social Network in the context of a pandemic COVID-19 , and at the same time shows the racing effort of Snapchat against opponents like TikTok and Facebook’s Instagram.

This year, the laced swimsuits are very popular with Vietnamese stars. The fragility and charm of these designs must be said that the level is max, but the safety for the wearer when going to the pool is extremely little. Imagine if the wave is a little big, hit a little hard, is it easy to slip away … The swimsuit is outstanding, the beauty is irresistible, but the safety when entering the water should be reviewed. Ngoc Trinh possesses many daring designs, tied with suspended rope that seemed to fall slightly. Once, long legs still burned the public eye with a tiny, tiny design. Sam thoroughly shows off the hot curves in the type of tie, this design is somewhat firmer than the above beauties. Practicing diligently, it is not difficult to understand when Phuong Trinh Jolie often chooses super open swimsuits when taking photos on the pool. This stringed knit shirt is super attractive but also easy to deflect when hit by the waves. Tuong Linh is as beautiful as a statue with a super hot design, with true summer color tones. Another set of wings with brilliant patterns Chi Pu also owns many types of lanyards, lightly touching and falling. Swimsuit design mixed with long jacket with super “hot hit” animal skin texture this summer. Quynh Anh Shyn also owns many tiny bikinis in a wardrobe … The baby pants did not look like they did not know how to go in the water.

Dong Mingzhu talked about the protection of talents should be reasonable and legal, Zhang Han said that he did not want to train people

In the show, when talking about the training of interns, Zhang Han bluntly stated that he actually didn’t want to train people. He said that because he had spent two or three years training people, and in the end, the other party left, which is actually a great loss for his company. After hearing what Zhang Han said, Dong Mingzhu expressed his understanding and also expressed his own thoughts.

Dong Mingzhu said that the flow of talents is actually possible, but the country should introduce certain policies to make the flow of talents reasonable and legal. “Every time talents are cultivated, when results are to be produced, people leave, and the loss to the enterprise is heavy.” Therefore, it is very important to protect and train talents. Dong Mingzhu also bluntly said that his company has always insisted on cultivating talents, but it also allows certain talents to flow in the process.

Liang Jianluo tried to cater to the boss but suffered “Waterloo”, Meng Yutong Zheng Ruxin disputed due to differences in work concepts

The first report of the Dong Mingzhu team is about to hit, and the interns are racing against time to write the plan. Liang Jianluo was the first to complete the report plan, seeking advice from old employees for excellence, and asking Mr. Dong’s preferences. Unexpectedly, the seniors pointed out the problem straightforwardly. The plan was questioned, frustrating Liang Jianluo’s confidence. With the encouragement of Meng Yutong and Zheng Ruxin, Liang Jianluo gradually calmed down, and finally overthrew the plan completely. It took two hours to write a new one and revise it, but in the end his plan failed to win the favor of Dong Zong. In the observation room, Dong Mingzhu also bluntly said that Liang Jianluo should not mainly cater to the boss’s preferences, but should show his creativity in the process.

Liang Jianluo reported the brutal “Waterloo” for the first time, but with his bold ideas and creativity, Meng Yutong finally won the first place with a 0.2 point advantage and was appointed as the team leader to be responsible for the implementation of the entire event. For the implementation of the activity, the plan still needs to be refined, and the activity process and other contents need to be clarified urgently, and contradictions and frictions continue in the process.

Regarding the choice of the event host, Zheng Ruxin volunteered to be the host, but Liang Jianluo said that he could choose from the guests. Zheng Ruxin retorted: “If someone invites me to participate in the event and suddenly let me be the host, I will feel it is work.” Each clings to one’s own opinions and is deadlocked. Immediately afterwards, Zheng Ruxin also had conflicts with Meng Yutong one after another about the choice of the theme color of the set and whether to stay up late and work overtime. After seeing the conflict between the two girls, Liang Jianluo became a Master Duan Shui and suggested that Meng Yutong be decisive. Sometimes the leader might just want to offend others. After hearing this, Meng Yutong also began to reflect on himself.

Wang Yue said that his speech was inadequate and caused doubts. Zhang Beiming was wronged because of the division of labor and failed to complete the assessment.

On the second day after joining Zhang Han, the interns accepted a new task: to record a video of Zhang Han’s handicraft for fans and write the artist’s New Year ID copy. After receiving the task, the three people immediately turned on the working mode, how to shoot a video of crazy brainstorming. After the collective discussion, two proposals with different styles were given, one is the conservative and aesthetic version, and the other is the innovative version, which “forces” Zhang Han to be forced to open business, showing the contrast. After hearing the two plans, Zhang Han accidentally chose the innovative plan, and the interns were pleasantly surprised, but in the process, Wang Yue’s eloquence was too intensive and his tone of voice was not appropriate. Zhang Han directly asked, “Did I feel angry when I came here today?” The atmosphere at the scene was once tense.

After the end of the video shooting, the three interns had not yet written their New Year’s texts, so they were notified by the boss for half an hour and then reported. Time is tight and tasks are heavy. Zhang Beiming, who has multiple tasks, decided to give priority to cutting the video. After finishing it, it was too late to write the copy, so he only provided an idea. After being called by the boss, Zhang Beiming smiled and wanted to explain but was interrupted. Zhang Han said that he didn’t listen to the explanation and only looked at the results. Zhang Beiming, who failed to complete the assessment, was aggrieved with naked eyes. Yang Di, the same editor, held up the injustice for Zhang Beiming: “I really want you to try editing!”

Can the implementation of the reporting plan go smoothly? How to deal with the boss’s doubts? What kind of workplace advice will workplace observers bring to interns? Every Tuesday at 12:00 noon, it will be locked on Mango TV “We Who Are New to the Workplace”. Stay tuned for more exciting content.