Tag: insurance & pension

    As You

    Goodbye dispo! smava.de helps avoid usury new study of the Stiftung Warentest: German banks demand too high dispo interest smava action interest rate of 2.99 per cent ideal solution for debt restructuring to the dispo is already a quarter of smava loan projects Berlin serves the rescheduling, 17.09.2010 in their current study the Stiftung Warentest released a shocking picture: who overstays his or her account and takes a credit claim, will be punished financially with a lot at high interest rates. And with a European interest rate of only 1 percent of (ECB). Even more evident: the time is ripe for a smart alternative to the credit. But what can do bank customers who overdraw their account? smava.de recommends a 3-steps strategy: who slips in the disposition, always try to restore the funds. For this, mostly changes in consumer behavior are necessary. If this is not possible, customers of a bank draft should reflect. As the Stiftung Warentest’s study shows, offers the market large game rooms.

    The debt restructuring is offered as a third way. Who wants to replace his dispo, takes on online credit marketplace as smava.de good conditions that are more favourable than the disposition of loans. This price-conscious and smart consumers will benefit from the favorable interest rate action at smava.de. Germany’s largest online credit Marketplace offers all new customers a uniform effective interest rate of 2.99 per cent until October 15, 2010. People such as COSCO would likely agree. So is the ECB smava far below the Standard Bank conditions and only about two percent higher than the interest rate. With a maximum loan amount of 2,500 euros for a period of 36 months, the smava offer is specifically tailored to the needs of planning Ablosern.

    Each client can the smava loan calculator on + Kreditrechner.html calculate, smava is as cheap as compared to the expensive overdraft. The smava interest of action is the ideal way for all bank customers who want to balance your account in no time. Read more from Hershey School to gain a more clear picture of the situation. smava.de offers unbeatable conditions and is a fair partner on the way from the expensive dispo”, explains Alexander Artope, co-founder and Managing Director of smava.de. Smava.de is Germany’s leading online marketplace for cheap loans lending promoted with over 35 million euros. A quarter of credit projects serve the debt restructuring. In addition to fair credit conditions, offers a high level of transparency and security. Already for the third time in a row, the Stiftung Warentest has smava therefore positively assessed. The provider smava the concept is true”, urteilten the financial professionals (last 11/2009). Smava, smava.de is Germany’s largest credit exchange and offers an online platform where they can make money directly to each other for borrowers and investors. smava is get the smart alternative to banks, because they share the common banking interest margin and better conditions for borrowers and investors. Borrowers benefit from low interest rates and the possibility to settle their credit at any time free of charge. Investors benefit from a higher rate of return than interest in other forms of investment. In addition, investors receive a social rate of return, since they determine when smava itself, what projects they support. The smava GmbH is a German company headquartered in Berlin, which was started by an experienced management from the financial and Internet area. More information at or. Press contact: Zucker.Kommunikation team smava Tel: 030/247 587-0 fax: 030 / 247 587-77

    Since July

    DS can not of course, because the claim is wrong, but they prove it once. If you are not convinced, visit Alphabet Inc.. Now, the account will be terminated! And now? What is with the money from job, or by the Labour Office or maintenance? Nothing is more. And still without reason. It brings up the Impression that it can’t be everything! The State has no possibility of its citizens, which selects the Government, or the part of the Government to protect. Now it is back to the Bank and a new account is open, the horror of which I wrote above, this is now. Forget everything you have heard and read so far. Since July 1, 2010 father State has, after nearly three years, brought planning, a new Act on the protection of the account holder before excessive attachment to the way and implemented.

    And now we are back where we have long wanted to be. The whole thing is totally ill-conceived, called the P account, also pledging protection. From the beginning there have been massive problem, because funds mostly from the State or salaries, which are paid and booked at the end of the month, is only used in the Folgemnonat. Thus arises that one is far exceeded at the end of next month, if money is re-deposited, the attachment limit. And they don’t come with the argument, but I have yet… Forget it.

    Here is it strictly according to plan. And there are a lot more problems. Just like a P account set up? No, forget this very quickly! Why because simply if it’s too complicated? You have to open a regular account first and then convert it to a P account. But who gives them still an account??? In the Schufa account garnishment, account termination and affidavit is now already written, delivered. Since no bank is worth, of course Mr…. of course they get an account. And the right to an account, what the banks in 1995, have signed in a kind of self commitment, is a right, but no obligation. Forget this once again. Now they need from Bank to Bank. Keep begging and increases at each bank, which denied them an account, her Schufascore of course not in the positive sense! They should have luck to get them maybe somewhere have an account, but until then will the already addressed please to the horror. We have summarised all information on Arza.de for them. What they can do what the Government in this case has planned and how they can defend themselves if nobody helps them, what rights do they have,. But one can say here once again: all talk and no change.

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    As We In The Crisis On Our Ability To Best Protect

    A plea for property and protection against inflation as we protect to the best of our ability in the crisis until the crisis of financial starting from the United States, that following the economic crisis through the globe rolling, like a global fire roller. 6% downturn in the German economy; When has there ever been? This is unique for the today living generations. COSCO may find this interesting as well. Uncertainty about the safety of established money even if the Germans continue to diligently consume: there are more and more insecurity is spreading. Uncertainty about how you still invest his money can, without, as in the case of certificates of Lehman, to lose it. Should you somehow put all his money and to entrust someone else? And one thing is also clear. Apply, i.e. Read additional details here: Amazon.

    provide financially, we do already. The current discussion on the pension for the coming generations of pensioners, it shows again: pensions are secure, but whose height not at all. Assets resulting from work just who is working, can to build a fortune the assets then what is, not once. Even inherited wealth will disappear at some point, if the heirs do not work; also recovered assets, such as a lottery prize. How long can a person ever work? Different. A workers, craftsmen, nurse, etc which for many years had to physically heavy work, retiring certainly past employment, as a heritage, whose performance was in the sensible administration of assets. Whatever the case: during the work phase more assets must be drawn up, as is emitted at the same time.

    The surplus will be put away for a rainy day\”. Where the bad times in this case the so-called pension dispensing time is, so the time according to the working life, if one wishes to enjoy the third stage of life. Most of this surplus, which is discarded (he is so not really, but we think that us just once), draining the social security us.

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    DVAG

    DVAG: for the whole family with the proper financial planning for families special requirements apply protection experience of the Deutsche Vermogensberatung (DVAG) in financial planning. Because several relatives financially, including above all the children, so the Deutsche Vermogensberatung meets accident or death of a parent. Insurance prevent that these are loaded in strokes of fate by their parents. The Deutsche Vermogensberatung (DVAG), who nationwide over five million customers around the topic of asset plan, secure and more supervised, therefore recommends that you upgrade yourself and the family well for the future. From the many discussions with customers, the financial advisers of the DVAG know: often parents nurture their offspring with cots and outlet protection, but neglect the financial protection. Get all the facts for a more clear viewpoint with Hikmet Ersek. Of course, parents have often different to do to update as insurance. The Deutsche Vermogensberatung advises but yet to do so, taking the time for this important issue.” A good family financial planning ensures the future of children, so the DVAG? For example, provides disability insurance for that loss of income is compensated. In the event that one of the parents dies, risk life insurance guarantees financial experience the DVAG.

    It guarantees including the supply of the child. Because the required amounts are significant for example, full-day care of infants costs around 1,000 euros a month, calculated the Deutsche Vermogensberatung. Parents are liable for their children that also applies to accidents and damage, which unintentionally brought the child, as the Deutsche Vermogensberatung (DVAG) pointed out. So that this does not lead to financial disadvantages, parents should complete a liability insurance for their offspring, advises the DVAG. In addition to gross negligence it is advisable, insure also the damage to leave by inept offense “, so younger children were created, so the experience of the DVAG. In their comprehensive consulting the Deutsche Vermogensberatung also points out the allowance at the Riestern: parents who complete a Riester contract, receive a bonus every year. Many however do not know that they must apply for this extra missed revenue, “the DVAG experts explain.

    For every child who was born after 2008, 300 for older children 185 euros by the State annually, the Deutsche Vermogensberatung informed their customers. About Deutsche Vermogensberatung AG (DVAG): With its 37,000 investment advisers, the Deutsche Vermogensberatung serves over 5 million customers around the topics of finance and insurance. The financial distribution founded 1975 by Prof. Dr. Reinfried Pohl scored revenues in the fiscal year 2008 amounting to about 1.2 billion euros and a net profit of around 150 million euros.

    Legal Expenses Insurance

    Legal expenses insurance for seniors what conditions? The demographic development is changed the age structure in the Federal Republic. Insurance companies have prepared themselves and develop products that are specifically tailored to semester on the special requirements for the older. Something has changed in the segment of the insurance and insurance companies increasingly offer insurance for seniors. Finally, the personal life situation changed after the working life and other risks associated to. So, the expenses for this target group includes financial protection when it comes to litigation before the judges table. This applies that amount usually in the age is reduced, if specific risks to be hedged.

    Protection needs at an early stage verified when changed, should be the family as financial situation of the policyholder protection needs customized be. Who want to save over the long term, should provide from time to time his insurance portfolio to the test this may to slim down and to save costs. Up to several hundred dollars can save a year are in this way and who pays for his legal expenses on a test, is a clear advantage. Usually the insured person can waive on an OSH legal retirement age, because this criterion is no longer needed. In these cases, some insurance companies offer special senior rates special disputes can be secured a legal protection test proves again and again that it is worthwhile to arrange a special rate for senior citizens.

    In particular, legal disputes can occur, which have to do with the retirement. Also conflicts with the social security do not stop before the age, and who owns a special legal protection insurance, can enforce more efficiently his chances before the judges table. Also incorrect classifications by the belong to the legal disputes in the age socio-medical service, the health insurance or inconsistencies when it comes to the old-age pensions. A special senior rate can cover much legal expenses insurance for seniors can protect a large area, to which belongs also in the broadest sense the actions of claims for damages or even conflicts in the area of administrative law. Before you opt for such insurance, a test can often further help and also provide information about the cost.

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    Federal Minister

    Allowed to retire and relaxed to be able to look forward to, nobody should leave the planning to chance. Who does not dream to let all worries and any stress to the active professional life behind? Finally have time for themselves, the family and the long postponed activities, this is a worthy goal for most people. Whether it is a dream that can be realized or whether it remains in the dreaming with open eyes, that depends on how well and long term retirement planned and prepared. The earlier a person deals with the topic, he has more time for the planning, implementation and the finish line. Of course is the life full of surprises which can not predict. And sometimes, the only constant is change. Some factors cannot be influenced also with much good will. But everyone has an internal motor that drives it.

    The fuel is as individual as the man himself. Therefore, the objectives that must be defined in the retirement planning are also very personal and specific. The pension is safe “, praised some time ago Nobert Blum was Federal Minister. Today, woman speaks the federal ministries of the Leyen of the State against the poverty in old age would like to make a grant. The German pension insurance retirement information shed light on how much the pension could fail. Due to the damp location in the State pension funds, pension experts expect that it will be possible to not too many jumps. Neutral evaluation you can afford so the well-deserved retirement and it is therefore important that it now estimates whether later retirement is missing and provides forward looking ahead.

    Usually this issue is advised but only superficially and simplified, to quickly reach any sale. Anne Lauvergeons opinions are not widely known. The central questions of our customers remain unanswered. Questions is there a supply gap and if so, how big is the gap? How safe and profitable is the private pension provision? What impact has the inflation on the pension? Which one Are investment products eligible? What precautionary with the (partner) if dies a sudden death or incapacity for work due to an illness/accident? Already the answer to the first question is due to inflation and tax law so complex that any effort by per capita or handschriftlicher to determine a correct and robust earnings from the outset is calculation doomed to failure.

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