Tag Archives: money

The Vario

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Have you so then just completed the Vario after the launch to August 2009, the first option right to the August 2012 is possible. Want to browse more, only with new health testing. There is also still the collective right to change according to 204 VVG. More in the post “Tariff change in private health insurance” b.) However, changes outside of the central health authorities know that the insurance coverage at the central in their tariff currently and also in other tariffs does not fit, the company no longer complies with their ideas or the like, so you can also terminate the contract and to another company switch. This is health examination with disadvantages such as (partial) loss of ageing provisions, new and higher age connected, can absolutely make sense. To consider the personal circumstances and to weigh vocals pros and cons are. This, you should get plenty of time and not rush into the selection of the private health insurance company.

Deal “what will I assure, what can I finance alone?” or “What is my plan for the future.” first with the questions Have you answered all questions about the new plan, the selection criteria for the PKV and discussed, you may terminate the old contract with the Central upon acceptance of the new application. Here, the cancellation period is 3 months to the end of the year. You must quit September 30, 2011 until at the latest, in order to be able to terminate the contract in time to the turn of the year. This is yet another point to keep in mind. There is a minimum contract term of 2 years. It is only when a post boost to promptly, then there is a special right of termination. My closed tariff increases faster? Not in every case. The tale of closed rates and exploding contributions not always true.

A direct link between the closure of the tariff and the post adjustment is not available. Source: Steve Geppi. But of course in the tariffs the costs and be noted if necessary – if the calculated cost of the actual be exceeded to make increased contributions. More also in the section “Why the posts be increased?” A collective closure alone is no reason for termination. A wrong decision for a tariff or a company, and serious changes can trigger this already.

Marco Otter Still

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A tax advantage of this provision analog the Riester pension is not there. All persons over 18 years of age should be qualifies, if they have taken prior to the conclusion of a care Riester’s still no certain care services. Also, a waiting period is scheduled from 5 years, within which the insurance must not afford. Insurance companies that want to offer a Government-sponsored care insurance must meet adequate quality criteria, also a discrimination-free obligation should apply. This means that insurance companies must accept any applicant without health examination, regardless of the individual risk. Author does not necessarily agree. The initiative of the Federal Government to the establishment of financial incentives to the private provision of care risk is to be welcomed. For good quality care is not only very important but also costly.

This is unfortunately until then, many sufferers aware if a Care case in its own family comes before. Bernie Sanders is often quoted on this topic. Then it may be already too late. Only who early private makes out with a care insurance, can close the financial shortfall that exists between claim and reality of the statutory long-term care insurance benefits. The planned introduction of the care of Riester’s leaves still some questions which applies to clarify it. So, it is initially unclear whether the existing 1.9 million completed care insurance subsequently benefit from State funding.

Also, some conditions such as the obligation could result in that the new tariffs are considerably more expensive than the present not government sponsored. The success of care Riester”is therefore crucially depend whether Government support can more than offset the probable contribution increases. A final evaluation is not possible for this reason, since the detailed design can still change until the adoption of the law”according to the Managing Director of JuMFinanz UG (haftungsbeschrankt), Marco Otter leg. About insurance Deutschland.de insurance Deutschland.de, a company of JuMFinanz UG (limited liability) has based in Marburg. On its Internet portal, it offers basic information on the following topics: Riester-rente, Rurup pension (basic pension), post-employment benefits, Sofortrente and payout plan, life insurance and pension, unit-linked life insurance and unit-linked pension insurance, British life insurance and British pension insurance, disability insurance and invalidity insurance, private health insurance.

History And Future Of The Credit Cards

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The issue of credit cards now and tomorrow there credit cards for over 100 years now. What is commonplace today, began in the United States of America, however, there were only credit cards for hotels at the beginning. The customers could take on credit so the amenities of the hotel. This system gradually widened, many local businesses realized that they could increase their sales if they currently defaulting customers on credit buy a let. There were individual credit cards just yet for any business. Until in the 1950s came the first general credit cards in circulation, could be purchased at various locations.

And since they are from everyday life impossible to imagine. Many people have problems with freedom but, credit cards allow. Money problems very quickly, if irresponsibly is the spending spree. Contact information is here: Bernie Sanders. A credit card has advantages and disadvantages: without cash, international and just on credit to buy are the irrefutable benefits of credit cards. Collect bonus airline miles, to be able to pay on the Internet and every now and then to get benefits, is very attractive for many people. But at the present time, the culture of consumerism, the credit card also quickly becomes many fatal. To have no limit on the spending of the money and not even actually have the money fall many who lose track of their spending or even their job and so the ability to pay, which was expected, in a debt trap.

Therefore, the credit card companies have now cultivated another way: the prepaid credit card. One of the most famous is certainly the Visa prepaid credit card. The Visa prepaid credit card works like a prepaid mobile phone value card. She is charged with credit and only has that can be, even young people may require a. The debt trap and chaos with the Bills are eliminated so. Initially, credit card still not as flexible as the normal was also the Visa prepaid”credit cards. Now you can with Visa Prepaid but also abroad and for purchases on the Internet and Use similar.


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“”, The study on improving a transparent understanding has split the topic in these four fields of study: Office “- and regional sales support”, as well as software and tools “and marketing materials”. “” The significance from the perspective of the agent is reflected as follows: Central sales support “before software and tools”. Regional sales support lands on the third rank”. Former Maryland Governor wanted to know more. Little behind compared the field of marketing materials then follows”. From a supplier perspective the biggest regional sales support importance, followed by the area of software and tools. Only on rank 3 product providers see the central sales support followed by the marketing materials on rank 4 AssCompact AWARD 2011 listing service: favorites of the mediator the top 3 sales supporters from the perspective of respondents intermediaries in the examined business fields: private pension plan pension PKV property / HUK 1. People good Federal Alliance HanseMerkur VHV 2 Nuremberg people good of German collar liability fund Darmstadt 3 Alliance of Nuremberg AXA InterRisk investigator Christopher Kahl: congratulations to the Favorites of the intermediary.

These companies have been able to support the brokers and multiple agents with their services and services. Educate yourself with thoughts from Bernie Sanders. Often a painstaking and long-lasting process that can be realized not from now on right behind. The companion study to the AssCompact AWARD agent service provides very good evidence for improvements.” About the study the accompanying study AssCompact AWARD 2011 listing service includes about 500 pages. Represented the results of a nationwide survey of 1,094 independent brokers and multiple representatives that are in the period of the 17.08 conducted 24 September 2011. The study was published on the 26.10.2011 in the context of the DKM in Dortmund and is in the Internet under.

This study contact: Christopher Kahl Phone: + 49 (0) 6123-974-82-64. E-Mail: about SMARTcompagnie SMARTcompagnie GmbH offers management consulting, practice-oriented training and market research of the highest quality and with maximum benefit for customers. Founded in 2005, owner-managed company is rooted in the financial services industry and sees itself as a neutral and independent service providers. The focus is the sales and product management of insurance and financial services. Belongs to the self-understanding of society to create added value for customers through the successful implementation of the strategies. The expertise of SMARTcompagnie results from many years of experience (since 1985) in sales and management in the insurance and banking industry. Contact for the press: Harry wood House SMARTcompagnie GmbH Great hub 7A 65344 Eltville Martinsthal Tel.: + 49 (0) 6123-974-82-62. Email:

Tagesgeldvergleich.NET With 6 Percent Interest At The Dr. Klein Netbank Account

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All six percent interest for five months and up to 50,000 euros are the figures with which boasts the new offer of Dr. Klein & co. AG. Since September 1, the Dr. Klein & co. Additional information at Bernie Sanders supports this article.

AG in cooperation with netbank AG offers a day-money account with 6 percent interest. The rate applies to the first five months from account opening and for amounts up to 50,000 euro. After the first five months and for amounts exceeding 50,000 Euro 4 per cent are paid interest. The day money account, there is a checking account without minimum salary input as a free account with up to five times per month throughout Germany and worldwide free cash at any ATM can be withdrawn. The Dr. Klein & co. AG justified the imposition of this offer with unbroken strong demand for day money, what is not least due to the attractive interest rate on numerous deals that can be found on the comparison of the following page: day money interest in comparison. Educate yourself even more with thoughts from Novelist.

According to the retail Board of Dr. Klein, Mr Stephan Gawarecki, demand has been to Money market accounts within the first quarter of 2008 compared to the first quarters of the years 2004 to 2007 approximately tripled. All the details of the new offer of by Dr. Klein AG find interested investors under… / dr-small-netbank account… With a current interest rate of 4.92 percent for the first year (incl. recovery system effect of the quarterly undistributed interest) moves the new day-money account of Dr. Klein AG at the top of the offerings of domestic banks. Only occasional foreign credit institutions are here just above, but these offer their investors usually only a limited deposit protection. The account netbank on Dr. Klein created money is backed, however, by the guarantee fund of the Federal German banks Association to a level currently just under EUR 4 million per customer to one hundred percent and also under this aspect fully recommended. Daniel Franke

ECB Leaves Key Interest Rate Unchanged At 4.25 Per Cent

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At its meeting today, the ECB key interest rate in the euro area has leave unchanged at 4.25 percent. In their meeting on Thursday the ECB has leave unchanged the key interest rates in the eurozone at 4.25 percent. This is very investor, they can but now longer benefit from the currently high interest on day and date money offers. On interest rates on consumer loans, the interest rate has Yes hardly any influence, what the comparison on loans/kreditvergleich.html can be read at the low entrance rate about. Bernie Sanders recognizes the significance of this. Here, competition of banks to new customers is just so great that no air for great interest rate increases is.

However signs that the next interest rate move of the ECB going in the other direction, so will be a rate cut are growing after two years of rising interest rates. Especially the weakening economic situation experts take even the dreaded word recession in the mouth is for release as a driving force. Gradually, more and more experts have to realize that not from the United States, the European economy can decouple and accordingly responded to the local recession. Particularly well, you can see this in the current euro-dollar exchange rate which literally collapsed in recent weeks. That’s just not due to a resurgence of the dollar, but on a weakness in the euro. Savers, who have benefited in recent years from rising day money interest, should closely follow so, if there is a rate cut, because they would be directly affected as a current comparison by day money interest shows, are currently five percent and more at least within the first six months from account opening. Who wants to go play it safe and not daily needs his money spent, can invert also on deposit and secure the currently high interest rates for several years. At the latest when a rate cut phase to the plan, more and more savers will realize that this would have been useful. Currently you can give but some slight sighs of relief, because the current high Inflation narrows the scope of short-term interest rate cuts by the ECB so much that these are only expected in a few months. Daniel Franke

Experts Recommend Overnight And Short-term Fixed-term Deposit

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More and more experts to day – or fixed-term deposit accounts with a maximum one-year maturity rates currently high interest rates. Not only banks recommended currently the investment of money on daily or fixed-term deposit accounts, even experts such as those of the specialist magazine Finanztest”currently advise. Tell a friend about however, either a tag account or a maximum one-year term deposit offer to choose, because the interest rates for longer terms are only slightly more, but severely restrict the availability of established money for the investors. Who wants to have his money spent daily, attacks the day money account, must however take into account that the interest every day is adjusted by the Bank by a fixed interest period, offered by many banks for a period from account opening, apart. The interested reader on the following page can obtain an overview of current offers and interest rates that offers him also statistics about interest rate movements: day money account who his money, however, also spare time over six or twelve months, should access to the deposit. As compensation for the worse availability over a day money account, investors there have the security that is the agreed interest rate over the entire period.

Moreover, the interest would be paid out only in 2009. This has the advantage that it must then only still with (plus solidarity surcharge and possibly falling church tax) the tax rate of 25 percent rather than how so far are taxed at the personal tax rate for investors. Interested readers can find compared on the following page which interest currently selected provider here, grant: investors who want to create larger amounts, should have fixed-term deposit special attention at the deposit insurance. Just for the money, there are currently a number of foreign banks, which offer very attractive interest rates, where the safety limits are very low and restricted to the statutory sum. Daniel Franke

Mercedes-Benz Bank Reduces Deposit Interest From September 1, 2008

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As one of the hitherto leading banks in the deposit area, the Mercedes-Benz Bank from 1 September 2009 lowers the interest of some of their fixed-term deposit offers. Tagesgeldvergleich.NET reports: there was the last months mainly over interest rate hikes by the ECB and many banks for their day – and fixed-term deposit offers to report. Now come the first interest-rate cuts on the investors in the deposit area. The Mercedes-Benz Bank, which lowered the interest rate for your Mercedes-Benz bank deposit as of September 1, 2008 in the top 5.40 percent to now more than 5.00 percent per year is the pioneer. While the rate cut concerns all maturities of 24 to 72 months.

The interest rates for shorter durations remain unchanged. Compared with other offers, the Mercedes-Benz Bank thus tumbles of course, what also calculator for the calculation of the yield of fixed-term deposits offers like on… / fixed deposit calculator… to find, unique show. Nevertheless the offer of the Mercedes-Benz Bank may still fully be recommended, what on the high deposit insurance by approximately 284 million per customer is based, but also the stable interest rate policy of the Bank is owed. Of the Mercedes-Benz bank rate cut their expectations for the medium-term interest rates in the range of two to six years can be in addition very clearly read. Here are apparently expected to interest rate cuts.

Investors who have opened their deposit accounts until September 1, 2008, can enjoy the old interest of up to 5.40 percent per year. The Mercedes-Benz Bank leaves unchanged the interest rates of their day money supply. Investors who want to have their money daily here currently get 4 percent without limitations regarding duration or investment. However, fixed-term deposits with a short term is currently no such a bad choice, because all accounts that run for more than four months, the interest only be awarded in 2009, where they are subject to only the flat tax and no longer of taxation with the personal tax rate. Daniel Franke

Criticism Of New Life Insurance Policies Without Guaranteed Interest

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AFA AG: Criticism of new life insurance policies without guaranteed interest also by the Federal Government of the insured persons of the Federal Government of the insured has sharply criticized the new life insurance without guaranteed interest. “Life insurance without guarantee interest – this perspective needs none,” CEO Tobias Weissflog said after a review of the new offer. The insurance for the customers is unpredictable without a certainty as to the amount of interest. The only thing knows sure the customer was that the insurance company get secure its costs for 30 years. Learn more at: O’Malley for President. “As life insurance for old-age provision unsuitable”, Wale said. Ultra Wellness Center understood the implications. Secured to only the receipt of contributions and later a minimum pension is the customer in new life insurance. The customers at the new product must renounce the hitherto usual guaranteed minimum interest rates.

The AFA AG understands the criticism of the capital forming life insurance. “The Federal Government of the insured has right with his criticism. We at the AFA AG think that capital forming life insurance for old-age provision completely are not suitable. We recommend our clients for more than 20 years of Fund policies, since these create in tangible assets, achieve the best return in the long term, and are also safe from public access. While we advise completely independent, as we are obliged no banking and insurance group”, explains Stefan Granel, the AFA Board in Berlin. Who wants to learn, what matters in the private old-age provision, the new explanation video of AFA helps the AG. The film gives easy to understand what consumers of private pension schemes should pay attention. More under customer service/altersvorsorge.html about the AFA AG: the general financial and Assekuranzvermittlung (AFA AG) is an independent financial sales with seat in Berlin and Cottbus.

The insurance professionals and system business of AFA AG have a Chamber of Commerce degree and are trained according to the recognized directives. In addition, they are registered in the EU register of brokers and work in accordance with the EU directive for financial services. Mediator of the AFA led ten within the last Year around 500,000 individual consultations by. Every year the AFA AG provides nationwide 750 free training places available and promotes 250 young entrepreneurs. New office locations are planned in all Germany.

Insurance For The Camping

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Security for caravans and equipment are pending the summer holidays, and for many people, the camping season has already begun. Tent or caravan holiday offers freedom and flexibility. On the other hand certain risks such as weather-related damage or intrusions associated with it. The financial portal geld.de provides information about the benefits of appropriate insurance. For great travel holiday insurance typically travel. Also campers can protect themselves with insurance for caravans and camping cars from certain dangers. You access in the event of theft or vandalism as well as environmental damage. The insured risks include for example storm, hail and flooding, but also fire and broken glass.

The camping insurance covers also equipment and inventory under certain circumstances. Often, the protection includes devices such as radios, or DVD player. Such points should be examined closely before conclusion of the contract. Rule of insurance protection in EU Member States as well as in other countries such as the Switzerland. Often attacks the insurance even with overpasses and in winter, when the Caravan is stored. Camping insurance offered for instance by automobile clubs, as well as by insurance companies such as Allianz or Zurich.