Tag Archives: insurance & pension

Technical Analysis Showing

Published by:

The future looks better than expected from a lift in the standard & poor 500 displays index of five months moving average over his 15 months moving average, for the first time since 2003 that the shares themselves are in a previous development of a bull market, according to the S & P 500 CapitalSys of its shareholders in a report communicated last week. The S & P 500 five months moving average last week to 974.39 have risen, exceeding the 15 months moving average of 972.56, in relation to the data of CapitalSys. Customer report, CapitalSys have informed their investors that the 5 months moving average over the 15 months moving average position has increased, only three other times during the past two decades: in March 1991 and October 1994 July 2003.Jeder passed a forthcoming beschattene period mindistens 16% has indicated during the next 18 months. A source of CapitalSys said that there was a very strong indicator for a Hauptereigniss, stating that it within CapitalSys would be considered as a gewissener indicator for a displacement of Maktgefuhl. March has moved to 53%, since the 9 back the S & P 500, if he has reached a 12-year low, while the second quarter results about the analyst advance hitting, and a profit again in the production and House sale sectors indicated that the economy from its worst period since 1930 in recovery was. Improving the recovery compares himself to a 121% return during the last bull market that lasted until 9 October 2007 from October 9, 2002. The S & P 500 monthly moving average convergence/divergence trend is another Bull trend indication for the market, according to CapitalSys. The so-called MACD has risen above its signal line in July and stated that the index is in ready to the Ascend has CapitalSys said. Diagrams study technical analysts to predict the price.

The Vario

Published by:

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

Published by:

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

Published by:

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.


Published by:

“”, 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:

ECB Leaves Key Interest Rate Unchanged At 4.25 Per Cent

Published by:

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

Criticism Of New Life Insurance Policies Without Guaranteed Interest

Published by:

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

Published by:

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.

Pension Plan Makes School

Published by:

Retirement age would like to must his life according to his ideas and wishes everyone enjoy finally for everything and have every time and not worry about financial concerns. Usually the financial resources available are not sufficient but”, explains Michael Hollenbach, Director of the Swiss SAM Management Group AG (SAM AG). The life expectancy is increasing and at the same time, birth rates decline. This shows that the emerging pension payments can no longer be covered by the number of workers. Alternatives are”, says the Director of the Swiss SAM Management Group AG (SAM AG).

It is still clearer that social benefits standing for the statutory pension scheme to provide are no longer sufficient and the possibilities with regard to the occupational and private pension provision cause many workers to provide additional private. To make a possibly imminent financial bottleneck out of the way, workers have basically three options: the legal Pension insurance, occupational pensions and private pensions. Private pension schemes it covers the gap that may arise between statutory and occupational pension schemes. To use them, is whether every worker and generally every citizen responsibility. Private savings include capital life insurance, private pensions, concluded with insurance companies, can include investments in funds or securities, purchase of residential property and much more. Who wants to do something against the current interest rate low, and at the same time take advantage of thing worth protected plants, relies on commercially meaningful investments, such as, for example, capital equipment for environmentally-oriented power plants, which are funded through fund holdings or bonds”, SAM thinks AG Director Hollenbach. In some cases the State old age protection pays to even a certain amount, such as “Riester” or Rurup pensions. These are forms of pensions covered with capital.

Here are the contributions and any allowances saved, to be associated to a later and set period of time with interest rates and allowances to the insured to pay. You should however keep in mind that the money provided by the State without compensation and closely examine the contracts”Hollenbach says for SAM Management Group AG (SAM AG). Where corporate age provisions, however, the employer makes a portion of pension expenditure for its workers voluntarily. They have a right to that part of their income for the benefit of a company pension plan is converted in 2002. This approach can be regulated through collective agreements and agreements at the company level. Pension goes to school and is actually in the school”, the SAM management says Group Director. And saying that only a healthy mix of measures that can ensure, to compensate for supply shortfalls in the age. For this reason SAM Management Group AG (SAM AG) opts for companies since enlightenment in Financial Affairs.

Managing Director Frank

Published by:

Employment agency confirms: despite January decision no retroactive reimbursement in the PKV Rostock, June 28, 2011. In January of this year, there was finally a judgment, which made clarity: the contributions of privately insured ALG II recipients fully apply as far as the good news. The bad news: The ruling retroactively applies. The differential amounts paid up to January of large number of Hartz IV recipients or accumulated even as debts are non-refundable, therefore, many sit on the cost. That was confirmed according to the consumer portal 1a-krankenversicherung.de now again by the Central Office of the federal employment agency in Nuremberg.

Only for insured persons, if necessary, who put in opposition to their fee notices prior to the judgment, there is hope. Click Ultra Wellness Center to learn more. The background: Until the ruling of the Bundessozialgericht early 2011 only the maximum amount was assured no matter whether statutory or private 131 euros for ALG II recipients taken. The problem: Privately insured may change since 2009 in respect of ALG II no longer readily in the statutory health insurance. Contributions, sometimes twice as high as the 131 euro adopted by the Office, had to continue to be paid in full by the Hartz IV recipients. Thus was born a sensitive shortfall, which was often between 100 and 150 euros a month and forced many insured to an accumulation of debt.

Us was to understand unequivocally by the Central Office of the federal employment agency in Nuremberg given that retroactively no refunds of contributions are expected in terms of scarce funds on the part of the performers. For the employment agency alone, the date of the judgment is crucial in January”, says the Managing Director Frank cash Connor from the consumer portal 1A health insurance. Money racket admits odds on a refund only the Privatversicherten, as a precaution have filed opposition at the job or the job Center even before the judgment. Because every opposition is ultimately a Case by case assessment, this process will take but still some weeks. More information about private health insurance for the unemployed ../arbeitslosigkeit about 1A health 1A health insurance is an independent consumer portal and deals with the issues of health and health insurance. The services include daily news and generally comprehensible prepared consumer information. Visitors have, also with a non-binding and free comparison, you can find the appropriate statutory or private health insurance. Consumers will also find compact information, including current judgments, studies, or advisor to the social security system.