Book tips Fiala, Financial investments for wards and persons under guardianship

Bundesanzeiger publishing house, Cologne 2004, 29.80 EURO, ISBN 3-89817-399-2 The book provides a practical account of the law of ward money. Investment instruments, investment objectives as well as liability risks and consequences are explained in an understandable and well-founded manner. (bv-aktuell Nov 2005, 24) Courtesy of www.bvkm.de.

Alternative investments

How to protect your assets Where to put all that money? An admittedly somewhat gloating question that will certainly only concern a portion of our readership, but could be all the more valuable for them. Cash is dead, long live cash. Not only since the current inflation (2022) of more than 7%, we are noticing […]

Massive investor losses due to overly safe investments

– Why the Small Investor Protection Act does not protect against investment losses due to low interest rates –   Obligation to provide investor-friendly advice According to the BGH Bond ruling (Federal Court of Justice ruling of 14.06.2007, Ref. XI ZR 12/93), all investment advice must be appropriate to the investor and the property. Investor-oriented […]

Reversal of dangerous combined transactions: Revocation of credit-financed capital investments

– New ruling of the Federal Court of Justice facilitates the discharge of loan debts – It is part of everyday life at credit institutions to make even larger capital investments possible for the customer by making a large part of the necessary money for an investment available to him as a loan. As a […]

Unbeatable experience in money and insurance investments

Dr. Fiala convinces through his insatiable curiosity, which then also benefits his clients. He devotes himself to the tasks with meticulousness and does not shy away from expressing very clearly when a case is “hopeless”. This is not at all common in the industry…. I have had very good experiences with Dr. Fiala, especially in […]

Insurance broker is liable for bank creditworthiness for investments after premium collection

The case: The BFI Bank has never been so broke as it is today. Industry insiders suspected this long before the official bankruptcy petition was filed in court. Lastly, the bank offered credit interest on account balances at a rate far above the market rate, and linked this to a necessary purchase of BFI shares. […]

“Experts” for statements influencing investments using the example of insurance ratings

A variety of insurance products that is difficult for consumers to understand encourages them to make a choice only after consulting a market observer. However, the involvement of experts in investment decisions raises the question of responsibility for their actions. What possibilities of recourse to liability have those seeking advice or otherwise turned to, what […]

Capital investments as modified fastball systems – tax liability despite total loss

– What are the liability risks for investors, advisors and intermediaries?   German investors lose up to more than 40 billion euros annually on capital investments. Time and again, public prosecutors or insolvency administrators are interested in whether the calculation of returns or the practices in balance sheets and accounting have been all too creative […]

Revocation of credit-financed investments

New ruling of the Federal Court of Justice facilitates the release from loan debts It is part of everyday life at credit institutions to enable customers to make larger investments by providing them with a large part of the money required for an investment in the form of a loan. As a rule, these are […]