passbook & Savings account for children – what should be considered?

In almost all families it exists in some way: the savings book or savings account for children. Created for the birth of the child or at some other time afterwards, the grandparents, parents or all together make continuous payments until the child can freely dispose of it at a late teenage age or at the age of eighteen. Mostly to finance the driver’s license, study or generally to support the start of independent life after school. But what needs to be considered if such a savings book is to last up to 16-18 years and then dissolve it? And there are special offers for such a savings book or savings account?

Professional teeth cleaning and what you should consider – dental consultant

June 8, 2019

Professional teeth cleaning and what you should consider

Maybe your dentist already has one for you professional tooth cleaning recommended. Professional teeth cleaning removes plaque and slight discoloration – and despite the advantages, many patients are unsettled and have many questions.

Why should you have professional teeth cleaning done??

Most people clean their teeth with a toothbrush every day. Nevertheless, almost everyone develops tooth decay or periodontitis in their life. As thorough as the daily cleaning is; on average, you can only reach 60 percent of the tooth surfaces. Teeth are angled and the brush, whether electric or manual, does not reach all corners and interdental spaces. This is how the biofilm, also called plaque, can accumulate. The result is tartar, tooth decay and periodontal disease. This is where dental cleaning comes in. Existing tartar is removed and, depending on the method, the teeth are cleaned with a powder jet or ultrasound. Not only is plaque removed at every angle, the teeth are then polished, so that bacteria can colonize the tooth surface more poorly in the future. Finally, the teeth are sealed with a special fluoride varnish or gel.

Child account – guide – what do parents have to consider?

February 8, 2019

Children’s account – guide – what parents have to consider?

For all custody officers, regardless of whether they are single or parenting or for a guardian, the question of a child’s account will arise at some point. When selecting and applying for a child’s account, the legal requirements must be strictly observed, depending on the age (baby, toddler, pupil, adolescent). In the following article, we go into more detail on the essential points.

What is a child account, what types of accounts are there?

A children’s account can be a first checking account, depending on the age, with its own access or without authorization, or a savings account (overnight money, fixed deposits, savings plans, funds). Account ownership is crucial. With a child account, the legal owner of the account is always the child. The bank may not charge an account maintenance fee for child accounts. However, extra services such as paperless transactions or a prepaid credit card can incur costs. A precise comparison is necessary here. Another feature and required by law is account management as a credit account. No matter whether it is a savings account or a first youth checking account, an overdraft is not possible.