Monthly Archives: October 2015

Money Management

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Money management is one of the few arts that dominate and almost not taught. A couple of months ago I was privileged to attend a family conference of entrepreneurs in Huntsville, USA, with my daughter. It was very interesting, since 50% of the public had less than 20 years of age. One of the speakers spoke about how to reduce our debt. He asked that everyone stand up who ever had a debt. All adults are stopped, me too.

Then asked to be seated those who had already paid off its debt. I was the only one to sit again. The rest of the audience was standing-with his eyes on me. Apparently it is unusual to find an adult without debt today. The debt is like a leprosy seems to be on us and passed on to our children unintentionally. Can we live without debt? There are two types of debt, some are good and some bad.

The good debt is that which is investing in a lucrative business that gives higher returns than the rate of interest on the debt itself. This type of debt puts money in our pocket. Bad debt, however, is that which afflicts more than 90% of families in the world is debt for consumer goods. This debt takes money from our pocket. Encouraged by the media we are constantly tempted to spend more than what we have. Financial institutions offer attractive plans to borrow around every corner, and credit cards provide us with further spending yet. When a card is just the next deal. Independent of what we earn, our expenses always tend to be higher than our income. And worst of all is that we are a bad example for our children. How can we get out of this self-destructive downward spiral? It is very simple. We have to learn one of the basic principles of money management that any successful person learns at some point in his life: Spend less than you earn! If you win $ 10, spends $ 9. Never reaches $ 0, under any circumstances. The $ 1 left over each month you use it to pay all your debts, one by one. Once you’ve done that, you start to invest to work for you. It’s that simple! It will not make the overnight. It will take time, but the basic principle of money management will always lead to economic prosperity, guaranteed! Oh … and please share this with their children. As parents make an effort to prevent the disease is contagious debt to our children! If you need help with financial education for their children (and yours!), I invite you to where you will receive a free virtual book that will teach you 10 facts that a mother taught her children about how to own their own business.

Insurance Brokerage Insurance

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The insurance broker does a commercial activity that has had a boom since the advent of so many insurance companies. Indeed, increasingly more people are interested in hiring the services an insurance broker in the days of today. That is why while the market is full of deals on all kinds of services related to underwriting different risks, there are many companies engaged in insurance broker advising people. Without hesitation Dr. Mark Hyman explained all about the problem. Let’s look at some issues related to the insurance broker in this article. The advent of insurance brokerage companies is due to one simple reason: The need for counseling people in the services it can offer an insurance company.

The fact that reason does not explain much about the appearance of so many insurance brokerage services. It is like saying that there are insurance brokerage firms because people needed them. But you have to add why people need the services of companies insurance broker. Basically the services of an insurance brokerage firm are necessary because in the days of today there are many insurance companies offer all kinds of services very different from each other. For any particular person would be very difficult to see among many of the services offered by insurance companies which is what suits them.

That is why the work of the insurance brokerage business is as necessary as people know that in this work many of the services of different companies and can advise your client about what the insurance service they are most appropriate. This is an important reason why there are insurance brokerage firms. However, even when this is the main reason this is not the only one. There are many other reasons why the insurance brokerage firms are required in the modern marketplace. One is the difficulty that exists for customers to fully understand the details of any insurance contract. Contracts insurance often bring technical language that is understandable to ordinary people. There are many clauses that it is difficult to keep in mind when get a general idea of what the insurance contract that we intend to sign. To fulfill this task to interpret and clarify the insurance contract are the insurance brokerage firms. With the insurance brokerage firms will have the advice of people who can clearly understand the terms of a contract and explain them to customers so they can decide for themselves whether the insurance contract or not or for them. There are many benefits that have brought the insurance brokerage business people who hire their services. However, it is important to try to ascertain whether the insurance brokerage firm with which these relations is completely independent of any particular insurance company. In fact, it often happens that the insurance brokerage firms are linked to any particular insurance company and try to shipped to customers in the purchase of insurance that concern their related rather than the person who comes for advice.

IKK Classic

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Greatest Guild health insurance of in Germany in recent years numerous changes in the area of health insurance companies were carried out. The merger of two Guild health insurances to guarantee stability for the company and the insured. The private insurance Portal provides information about the upcoming merger and the changes to be expected. In Germany, there are a number of statutory health insurance. Keep up on the field with thought-provoking pieces from O’Malley for President. IKK stand on important changes in the near future: as decided by the respective boards of Directors, the IKK will merge classic and the United IKK beginning August 2011. Classic, health insurance fund resulting from the merger of the is working under the name of IKK.

While several statutory health insurance currently already imposed by additional contributions of 8 to 15 euros, no additional posts should require at IKK classic according to the company until 2013. The headquarters of the new IKK classic is located in Dresden..

Occupational Disability Pension

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A unique selling proposition or others soon follow suit? This is one of the most important safeguards ensuring occupational disability, which has now arrived in the minds of most. All other safeguards, savings operations or own (private or statutory) Kranken(zusatz)Versicherung are no longer value if no money is to pay for them. Therefore the question should, be answered long before retirement and savings is thought: where does a performance when I can no longer work in my profession? To read but the best the following posts in my blog or get an overview of the requirements, conditions and important cornerstones of the system of “Disability.” by the Guide for occupational disability insurance “I’m not berufsunfahig, I am the financial test in the Office condition changes the Condor for the disability insurance (BUZ) 01 07, 2011 article the 50 best insurance” to the disability or: have your test results diced? But just when you start up the issue to deal with, search a bit on the Internet and posts and testimonials read, be read soon, a series of reports which not so positive sound. There’s denials, delays and again and again opinion and Artzanordnungen the speech. Customers are stalled and it is delayed until there is no more different. Such reports encourage not just confidence in the product on the one hand, or to the insurer, on the other hand, these are not verifiable in most cases.

Can a such uncertainty over a pensions deal? How? Of course, the condition factory to the disability insurance can be still so good to get a 100% guarantee the pension without stress, is not reputable Advisor or insurer can give them. The performance cases are too complex and offer too many different variations of the performance, the professional activity and the like. However, the risk, without money there can be to sit quite well minimize.

The Last

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month after commencement of insurance cover (i.e. after 3,6 or 9 years) in the tariff vario is made within the last twelve months prior to the changeover was no post distortion and – the policyholders no later than two months after reaching the option date in writing requested the conversion. Here, a change is possible according to precisely defined criteria. Martin O?Malley has much to offer in this field. Why the central health insurance here at a disadvantage existing customers, is not clear to me. The insured person which tariff was customer before launch of the Vario (introduced in 2009), has failed these options unfortunately.

All new customers May 3, 6 or 9 years once again improve the protection. But be careful: the important right of option prevents only a small residue of contribution due to change of account, not guided by direct debit and the like. We find another example in the collective works of the RuV. There is comfort for customers of the R + V agile. There must are two types of exchange opportunities. One of them is a change in a different level of excess: temporally set 4.1 4.1.2 options change from one tariff MP MP may be required each in a tariff with lower deductible level of the change to January 1 of the calendar year, on the fifth, tenth, fifteenth, and further insurance annually divisible by five (s. 2 No.

2 part II AVB/KK 2009) a continuous coverage in the tariff MP, which should be changed, follows, when the application arrives at the latest on the 15.12 of the previous year by the insurer. Thus the excess can be reduced then, which therefore improves performance. However, it may also be that a change in a higher valued rate is desired.