Reaal gets slap on the wrist in profiteering affair – NU.nl

A complaint to the Financial Markets Authority (AFM) had filed against the company, has been upheld, the regulator announced Wednesday.

The AFM had complained because Reaal failed to honor agreements. The insurer had the end of 2014 should have actively approached at least four out of five customers with woekerpolis to arrive at an appropriate solution. That goal was not achieved.

This Reaal according to the AFM’s reputation, the reputation of and trust harmed the industry.

The disciplinary committee agrees. The board

of the Association of Insurers has given the company a warning. A heavier penalty does not require the Disciplinary Board because Reaal now all customers with a profiteering has provided a solution

By:. ANP

Americans want to change tax rules after Apple case – Financieele Dagblad

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Starter Loan for housing remains in a slightly different form – NU.nl

The start-up loan is a special additional loan for people who buy a house for the first time. They need that loan in the first three years did not pay off and there is no interest to pay on. Also, the loan fiscally afrekbaar. The loan is provided by municipalities, provinces and housing associations.

According to the SVn will change “under the hood” some characteristics of the loan, since the current form does not meet the stricter rules for mortgage interest.

Homeowners who have completed in 2013 or later, a mortgage, they must repay linear or annuity to be still eligible for mortgage interest. For starters loans is an exception until December 31, 2016.

Redemption Seis

Because the exception no longer applies by 2017, the so-called combined loan is added to the package. “The combination loan mandatory redemption of the start-up loan is paid. For example, the start-up loan comply with mandatory redemption requirement remains,” said SVn.

“We have managed to adapt the start-up loan that it can continue to exist . the start-up loan remains the loan as everyone knows, “says director Jan Willem van Beek SVN. “The start-up loan offers starters on the housing market the opportunity to buy their first home. Municipalities can still set local conditions for start-ups continues to loan the first three years mortgage free.”

Starter after October 1 loan applications, getting the SVn an offer for the modified start-up loan. The application process for a start-up loan can take up to three months.

Security

The Guarantee Fund (WEW), the start-up loan

guarantees. The WEW is also responsible for the National Mortgage Guarantee (NHG). “That WEW also ensures the modified start-up loan is an important guarantee for starters and municipalities,” says the SVn.

This combination loan, moreover, is not covered by the guarantee of the WEW. When financial difficulties SVn take over the remaining loan combination. If a house must be sold at a loss, the starter will not face an unexpected residual debt on the loan.

Question

Last week SVn reported already that the demand for start-up loans the second quarter has grown. It was about twelve hundred applications, or 18 percent more than in the previous quarter. In total, 1,060 new starters loans were provided.

The number of requested and granted start-up loans was lower than a year earlier. “That is a direct result of the absence of the incentive contribution of the Empire,” SVn said. The government and municipalities have together before money made available to allow starters loans.

“Start Funds municipalities are therefore depleted rapidly and a number of municipalities has stopped providing the start-up loan.” A number of other municipalities has just decided to offer just that the additional loan again

By:. NU.nl

Much former employees Philip Morris escorted to another job – NU.nl

This was reported BBC News Wednesday.

It’s about 76 percent of the 935 former employees who have stepped into the so-called Mobility Center for assistance in finding other work.

The UWV calls the percentage that has found work quite high. Especially since the average age of the employees was 47 years.

About 70 percent have outside Bergen op Zoom found work. In particular, just over the border in Belgium, Rotterdam and Woensdrecht says BBC News .

Searching

There are now one hundred to one hundred fifty ex -employees looking for work. These are mainly people from fifty to sixty years. This group is still helped by reintegration agencies involved in the center. This is paid from the social plan of company Philip Morris.

On Thursday it two years ago that the cigarette factory in Bergen

was closed on hem. Therefore, the Mobility Center is closed on Wednesdays. It employed twelve people in the factory.

Factory

Philip Morris including logistics and production fluids for electric cigarettes remained active in the field. It employs nearly two hundred people.

In June it was announced that Philip Morris some of the empty factory space in Bergen op Zoom back into use for the production of tobacco to e-cigarettes. This provides additional jobs at

By:. NU.nl

Consumers get a loan with 0 percent interest for buying more cars – NU.nl

That the Association of Finance Companies in Netherlands (VFN) agreed with the Authority for the Financial Markets (AFM), which had requested. It involves all the car brands that are members of the association and who offer financing.

“We follow this provide market developments around responsible lending,” explains a spokesman for VFN. “Consumers also will certainly to long-term commitments with a 0 percent loan.”

Importers and dealers to offer still have low interest rates. “It was agreed no

further minimum rate,” the spokesman said.

The AFM and the VFN will later evaluate how the change works in practice.

By: NU.nl

“Delays in publication WOZ value ‘- NU.nl

This Guest House, the body performing include monitoring the WOZ values, states that opposite NRC Handelsbla d.

From October 1, the real-property values ​​of homes should be public. Through a ‘woz viewer’ homeowners should compare the values.

Information such as who owns or valuation reports are not public. The only concern residential and not business premises.

The problems arise because there are only a handful of ICT companies can make for municipalities connection, says Ruud Kath Mann of The

Guest Room at the newspaper.

At the beginning of next year is likely to be 70 percent of municipalities connected. According Kathmann this limit more important because many homeowners than get a new decision on the property tax

By:. NU.nl

Amazon.de now in Dutch – Telegraaf.nl

In the first instance, there are already millions of translated product names according to Amazon. Also important functions such as navigation, ordering and shipping information and account details are available in Dutch. Customers are also helped in Dutch by phone and email. The next time translated the rest of the site.

There also exists a Amazon.nl. However, this site offers only

e-books for the Kindle reader from Amazon

.

SCP: experienced workers ‘combination pressure’ – Wedding

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US, Apple and cracking Ireland ‘bizarre’ Brussels load interference – Volkskrant

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Apple shares closed with losses on Wall Street after EU judgment – NU.nl

Further Processing investors include figures on consumer confidence and the housing market in the United States.

The leading Dow Jones Index closed 0.3 percent lower at 18454.30 points. The broad S & amp; P 500 fell 0.2 percent to 2176.12 points. Indicator Technology Nasdaq also fell 0.2 percent to 5222.99 points.

Apple

Apple eventually gave 0.8 percent of its value. According to Brussels, Apple has benefited for years of illegal state aid from Ireland. The company did substantially less wear than other companies. Apple has shown no understanding of the decision. Ireland is also disagree and appeals.

Investors punished the failed takeover of Hershey. The chocolate manufacturer nearly 11 percent down. US food giant Mondelez rose 4 percent in value on news that the maker of Oreo include, Lu and Tuc biscuits and chocolate Milka and Côte d’Or attempt to incorporate ceasefire in Hershey.

United Continental rose 8.6 percent. The airline company Scott Kirby stationed at the top of the company. Kirby immediately moving from rival American Airlines.

The Potash shares rose 10.8 percent after reports came out that the

fertilizer manufacturer is working on a merger with Agrium. The collaboration, which allows Canadian companies to be stronger against falling prices and declining spending by farmers, would be announced next week. Agrium gained 7 percent

Abercrombie & amp.; Fitch

G-III Apparel, owner of the brands Calvin Klein and Tommy Hilfiger, was 20.7 percent after slicing a reduction in turnover and profit forecast. Also clothing chain Abercrombie & amp; Fitch received blows to the stock market after presenting disappointing outlook. The share was 20.3 percent lower.

The price of a barrel of American oil fell 1.2 percent to $ 46.42. Brent was 1.6 percent lower at 48.48 dollars a barrel. The euro was worth 1.1144 dollars against 1.1149 dollars at the close of the European markets

By:. ANP

Gap between desired and official retirement age is growing – NU.nl

This appears Tuesday to a survey by the Social and Cultural Planning Office (SCP).

For years, the desired age of retirement around that age, but the difference with the actual retirement age increases.

the state pension age goes up in increments of 65 to 67 in 2021. This should help the state pension and to keep the pension system affordable. If later in life expectancy possible further increases, the retirement age can be further increased.

“Well, the question is how much public support for a further increase,” writes the SCP.
Thus, the employment rate of people in old age “relatively small.” Both among men and among women over fifty, the proportion drops in employment significantly.

Position

According to the SCP position of older workers in the labor market is also “a concern” . So exchanging older Few jobs. Employees from 55 to 64 years is less than 5 percent in the past two years to work for another employer. Among 16- to 24-year-olds, the percentage is much higher (40 percent). Additionally

get-55s of job or job change less frequently higher function.

health affects the working longer. This is particularly among low-skilled people aged over 55. Some 40 percent of them say they have a less than good health. Among educated the proportion is 30 percent.

Duty

Furthermore, a majority feels himself under no obligation to continue working at full health until retirement. Only 11 percent feel an obligation to continue working in health until retirement age.

Moreover, do expect more people longer having to work. A large proportion of respondents called an age of over 66 years as expected retirement. But the preferred retirement age is much lower

By:. NU.nl

“CEO KLM will invest more important than raise wages” – NU.nl

He says in an internal Webcast for employees KLM, reports Het Parool Tuesday. The company plans to invest another 2 billion in the next four years, but excludes wage increases out.

“When I walk through the business and I see Boeing 747 26 years old, vans ten years old and computers from the year-jar, then it is time to invest in renovation of the company, “Elbers said according to the newspaper in the picture.

” the only way to do that is if we money have to invest. That goes beyond wage increase of people. ” He says that KLM is no longer the largest in the world and that the company just need to innovate as competitors.

Actions

Trade union FNV tries measures include enforcing a wage increase, but according to Elbers is no room for that. “We take until 2018 to get the zero line. 1 per cent pay rise would cost

us millions.”

There is also disagreement about replenishing deficits in the pension for pilots and cabin crew. This would KLM survival jeopardize Elbers said. Dutch Airline Pilots Association (ALPA), KLM sued for canceling the pension.

“We must ensure that we put the company at risk by having to deposit hundreds of millions in such a fund.” Elbers emphasized that the appointment of additional contributions for pilots is fifteen years old and that the company that now can not afford

By:. NU.nl

Heineken looks at acquisition Belgian specialty beer brewery ‘- NU.nl

This writes the Belgian business newspaper Time from multiple sources. Heineken would take charge to expand the range of specialty beers for the international market.

The brewer was Tuesday morning unavailable for comment.

In many markets, specialty beers emerging and see traditional large breweries their market share under pressure.

The Belgian brewer Duvel Moortgat, known for La Chouffe, De Koninck and Vedett would preying on the rival.

Duvel Moortgat has been very active in the acquisition

market. For example, the group took last year on the small Amsterdam Brouwer Brouwerij ‘t IJ. The company has already acquired about nine breweries, which are left relatively free.

By: NU.nl

Brussels wants additional tax assessments for Apple in throughout the EU – Financieele Dagblad

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about cookie usage on FD.nl refer to FD Media Group in the Cookie Policy and Privacy Policy.

Drug manufacturer comes with cheaper EpiPen after criticism – Volkskrant

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Brussels is forcing Apple to pay overdue taxes 13 billion – NU.nl

That makes Commissioner Margrethe Vestager (Competition) on Tuesday. The agreements between the Irish Government and Apple paid the company in 2003, effective 1 percent tax on its European profits, and 0.005 per cent in 2014, the Commission concludes.

It is by far the largest additional tax imposed by the European Commission. To place two the energy company EDF, which had to pay 1.4 billion euros.

The Commission’s decision follows an investigation that has served since June 2014. The European Commission accused Ireland then of violating European rules on state aid, because the land would allow Apple to pay less tax in order to prevent job losses. As other companies being penalized, arguing Vestager.

Apple has about 5,500 employees in Ireland, accounting for about a quarter of Apple’s European workforce. The company turned a turnover of $ 235 billion in 2015 and made a profit of 53.8 billion dollars.

Apple and the Irish government will, according to several sources in an appeal against the judgment. NU.nl Apple has asked to comment

By:. NU.nl/Thomas Moerman

SCP: working experience combined pressure – Telegraaf.nl

more and more Dutch combine the researchers work with care, combining several jobs, combine their studies with paid work or have a flexible contract. Especially independents and women experience some calls SCP combination pressure.

The SCP also notes that more and more people working from home and also increase the number of hours worked per week at home. Most people who work at home do so for (about) work to finish or say better to concentrate at home. Combining work with care is far less often the reason.

The SCP used for research information own Labour Panel, the most recent measurement is from 2014.

According to trade union FNV confirms the research workers often have too little money and perspective with precarious work in order to get a better position on the labor market. “Thus, the SCP demonstrates what we

already knew,” said FNV director Mariette Patijn. “People with precarious work need training to improve their position, but must themselves often pay for their education. That will simply not work. That makes them vulnerable in the labor market.”

made According to him, the FNV increasingly agreements with employers on training. Even more control over working hours and reducing pressure is an important issue for the union in negotiations

.

Drug manufacturer comes with cheaper EpiPen after criticism – AD.nl

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SCP: “Lifelong learning does not come from the ground” – Financieele Dagblad

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FD Media Group uses cookies to make the website for FD.nl operate and use to analyze the site and to improve.

collect your permission FD Media Group and third parties via cookies information about your visit to FD.nl and personal interests, among other things, the news for you to personalize and advertisements to match

your interests. More about cookie usage on FD.nl refer to FD Media Group in the Cookie Policy and Privacy Policy.

Homeowner sees interest rates averaging not sit – Telegraaf.nl

This is clear from a tour which kept the NIS by mortgage lenders.

The last major banks that were introduced interest averaging Rabobank and ABN Amro, but both they report that clients are not really excites them.

ING and SNS’s interest averaging been longer possible. SNS enables every month to get between 1,500 and 3,000 requests. ING has about a few thousand requests per month.

Earlier let the Consumers already know not to be excited about interest rates averaging. According to the association’s interest rate averaging at almost all banks too expensive, except for Rabo-daughter Obvion

.

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“No unacceptable behavior at Nyenrode Director ‘- NU.nl

It has announced an independent inquiry commission Monday. Which advocates two teachers accused also free.

During the study in the spring were the men students ‘sexual unfairly treated have’ a few times and have been drinking too much. A student complained and staff complained in a letter about the behavior of the three.

The committee headed by Professor Emile Kolthoff calls the complaints “all unfounded. In total, 34 interviews were conducted. The investigation took more than two months.

Rehabilitated

In order for the investigation went well, put Busselman (1955) are

indefinitely funtion. He feels vindicated by the outcome, but sit by the accusations and media attention still sick.

The previously appointed interim director will remain on. Before Busselman joined Nyenrode started, he was more than 25 years in charge of the Luzac College, Dutch largest private educational institution.

Eight year sentence for doodrijder A2 – Telegraaf.nl

The man was driving under the influence of speed and cannabis at a rate of 237 kilometers per hour rear door of the family. Which therefore hit on the head and pushed dozens of meters from the highway. Two children have been permanently disabled by the accident.

The prosecution has inhibited the man at any time before the accident happened. In order to avoid the collision, he decided to insert in the right. 237 kilometers per hour and without brakes. ,, It was never my intention to cause an accident, “Neil said van der V., who said there ,, to have been severely disappointed. ,, I consider myself the fatal victim. “

Although he was psychotic by the speed at the time of the collision, the prosecution rubs the crash

heavily at him. In addition to the prison demanding the OM disqualification of ten years if he gets paroled

Tweets by SaskiaBelleman

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• AUG 29 2016: New images of doodrijder A2

Track actions at Arriva Groningen because of new collective agreement – NU.nl

The crew does not agree with the final offer for a new collective agreement.

” Unfortunately we observe for months that Arriva and Syntus the VVMC in no way want to meet. This is what we deeply regret. Of course we are willing to was made in good time to consult to ensure safety during the operations, “says union director Wim Eilerts.

” This announcement that Arriva has sufficient time to take action. During the strike we will endeavor to protect the traveler as much as possible so that there are having trouble as little as

possible, “said Eilerts.

Arriva’s responsibilities include rail from Groningen Bad Nieuweschans, Delfzijl, Roodeschool and Leeuwarden .

By: Reuters