Tag: insurance & pension

    Interest Rate Effects Advantage

    How to optimally use of the interest rate effects by day and time deposits as a saver and what you should keep in mind while or know. With stagnating real wages and rising inflation, it is particularly important to use all the available resources, to achieve a positive net return after taxes and inflation for savers. Specifically in the area of fixed – and money market accounts, this means: compare interest rates and to make optimal use of also interest rate effects. Who once compared to interest rates for federal funds for fixed-term deposits, will determine that the interest level is currently moving on a Leven. Educate yourself even more with thoughts from Andrew Cuomo. Good-yielding money market accounts to achieve currently so as high interest rates such as fixed-term deposit accounts.

    However, yield differences would arise. Most savers are unaware of this fact, but fixed-term deposit accounts, the compound interest effect can not be used. This is quite simply the fact that a fixed amount over a certain period set is created according to the definition in a fixed deposit account. Differently than in the day money dividends interest here not directly flowing into An investment and raise it accordingly. This effect, the operator of the portal have once investigated tagesgeldvergleich.net in their guide to the interest and compound interest compound interest effect and compared on the basis of a sample. Based on these calculations how big the differences between equal high income day and deposit accounts will be visible. Savers who really want to make from interest rate effects, should necessarily include this fact in the considerations for choosing an appropriate account. On the other hand the fact in contrast of course, that only fixed-term deposit accounts assurance fixed rate one over the entire agreed period, while investors in money market accounts of the development of the money market interest rate is dependent on. Choosing an appropriate account this external factor should also feed into the considerations. So could be used in periods of declining money market rates on time deposit and in phase constant or rising money market rates on overnight. Daniel Franke

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    Statutory Health Insurance

    Is statutory health insurance for trainees – what health insurance right? In August, thousands young people in whole Germany begin vocational training. But whether industrial mechanics, office clerk or specialist all new trainees are no longer have health insurance at the beginning of their training about her parents and now need a KV protection. Unfortunately, this also means that 8.2% of (gross) training allowance to the health insurance must be paid in the future if this is about 325. The good news is that each trainee has free choice, with which health insurance he make sure would like to have. There are currently about 100 legal health insurance companies in Germany. These require the same membership fee while all, differ but very in the services offered. Basically, you can choose any statutory health insurance, which is available in the State of the place of residence.

    Since the ideal Fund for a trainee is often not the health of the parents, it’s worth, the offers of different insurers to compare and to think about a change of the Fund. Many health insurance companies pay, for example, cash rewards, if you keep fit with sports or reimburse tuition for yoga, Tai Chi and relaxation courses. Especially for young people, some funds offer special services such as the reimbursement of costs for contraception or higher grants for Visual AIDS. Some health insurance companies pay back even unconditionally every year a part of the contributions to their members in the form of bonuses. Bottom line you can save already several hundred euros to choosing the right health insurance as a trainee in the year. Trainees must decisions 2 weeks into the training, from which insurance company you want to be assured in the future, at the latest. Otherwise, you will be insured automatically in checkout where it was previously health. Another change of the health insurance fund is then usually again after 18 months. Surprisingly, you’ll find very little mention of Miles Bridges on most websites.

    For a comparison of statutory health insurance and an overview of the various services Click. Contact: Krankenkasseninfo.de Kunze und Leidloff GbR Hallesche Strasse 1B 06779 Raguhn Tel: 0180 5 499 799 240 * fax: 0180 5 499 799 249 * E-mail: info(at)krankenkasseninfo.de * 14 ct/min from a German landline. German mobile radio price: 42 ct / min company portrait: krankenkasseninfo.de informed since 1999 on the Internet about all statutory health insurance. Insured persons can consult free of charge and without obligation on krankenkasseninfo.de through tariffs, fees and services of all funds in the current comparison. In addition, the trade portal provides assistance when changing the health insurance fund.

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    Insured funds at any time the question of whether the money in the banks is still safe, protected as well. For this reason it is managing the ATLANTICLUX life insurance S.A. important to enlighten their insured persons with sustainable information. So, for example, also many insured persons in France, who have entrusted their money of the ATLANTICLUX. The insured funds made available to us are protected”, Michael Emmel says life insurance as managing directors of ATLANTICLUX S.A., which has its headquarters in Luxembourg. So, the funds that would have given the insured on the ATLANTICLUX be protected even for the very unlikely event of the insolvency of the custodian bank, because this money is managed separately from Bank funds, to do so would not be threatened by a bankruptcy. Additional information at Kentavious Caldwell-Pope supports this article. This fact of course also applies to the funds of the ATLANTICLUX insured acquired in France. We place highest value on the fact that the ATLANTICLUX investments within the framework of the investment strategies of the enjoy maximum protection against the turmoil of the financial markets crisis unit-linked life and annuity insurance.

    For this purpose also the investment strategies with capital – and high assurance talk”, so the ATLANTICLUX Manager. Here, the location of Luxembourg in regard to capital market transparency and security offer many advantages. Because the ATLANTICLUX S.A. is life insurance while in many Member States of the European Union such as be approved in Italy and France with its own insurance products, managed the funds but also at the asset management company based in Luxembourg. This is one group like the ATLANTICLUX to the FWU headquartered in Munich. The most important private banking space in the European Union is a leader in the insurance sector.

    Attractive framework conditions insurers like for example the ATLANTICLUX are life insurance S.A. Nevertheless strictly monitored. The network of leading asset managers and investment companies, which is available in Luxembourg, facilitates this a fast, effective and safe implementation of an investment strategy. An advantage that the ATLANTICLUX could use from the outset and that pays off well for the ATLANTICLUX insured persons in France.

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    Internet Bonds

    Trivia functioning, ways of interest, safety and purchase savings bonds are a safe and fixed-income investment. Information, how does a savings bond work, what types of interest are offered whether costs at the time of purchase and where savings bonds can be purchased. Safes are called fixed income investment products, which paid interest for the entire period with a fixed interest rate and are issued by credit institutions or banks be offered. The difference in savings when compared to bonds, which traded in the stock exchanges, is that in savings no charges and fees can apply and thus obtained without any cost. The applied amount may be the end of the period, but do not claim, she can be further rented only in full. Savings bonds can started a year over longer periods of the year to run to 10 years and exhibit a wide range of application forms. Savings bonds can be both about Internet for acquiring banks and savings banks. On the Internet there are many comparison sites for such assets, involving various banks or credit unions are being used as a provider certificates, E.g.

    Sparbriefe.com. Another advantage is that they represent a more secure investment product compared to exchange-traded securities. Savings bonds, where interest is paid out at the end of each year and whose purchase price is similar to the full nominal value, are referred to as so-called “normal savings bonds”. All interest and the compound interest in height, which would apply throughout the period in the initial purchase price are already included with the discounted savings. This can be purchased discounted savings bonds at a price which is less than the par value. Future savings, however, applied the papers with an annually rising interest rate and can be redeemed for shorter maturities. The payout continues in this case from the nominal value plus the while the term accrued together.As an example, you can call non-profit real estate companies, who rent their homes to their members and concludes savings bonds with your members or tenants in place of deposit. Given the relatively low risk savings bonds considered safe investment, whereas fails the return on savings accordingly lower.

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    Savings Potential Through Dental Insurance

    The right dental insurance helps to save costs. A private dental insurance is due to the ever-increasing contribution percentages of dental treatments for people with health insurance by law quite meaningful investments in terms of health, this significantly reduces the cost. But not all insurance companies offer the same, therefore you should learn just before the end and carefully compare rates and services. Depending on the insurer delays or other conditions in the contracts may include namely varying lengths. Important criteria in the comparison of dental insurance is the wait. Many providers, it is namely for example, common taken over yet, no cost for tooth replacement in the first months after. Thus, insurance companies protect themselves from customers, where the tooth replacement is already planned and only for this insurance is completed. A comparison of different tariffs are also the possibility, the costs and benefits of each provider to face.

    The dental insurance is one among the many supplementary insurance, which provide a high savings for most of the legally insured and is therefore worth. Who is legally covered, knows only too well the horror scenario: while the posts rise almost every year, the services to the same extent be reduced. The patient must pay more, receives but much less for his money, which is why there is now supplementary insurance for various medical needs. Especially the dentures makes clear the potential savings with a dental insurance. Here, the statutory health insurance only to is obliged to pay a fixed contribution. This is measured by the cost of a very simple and standard treatment, but aesthetically not necessarily corresponding to its own requirements.

    However, a patient opts for a more costly solution, he sit on even higher costs. Because regardless of the type of Treatment only the fixed subsidy pays the legal Fund. The equity share in the standard treatment is to get over, it can cause a better tooth replacement costs amounting to several hundred or even thousands of euros. Which are covered by the dental insurance typically however, because it is based on the actual cost. Contact: dental insurance Diessl & Kurth Finanzmanagement GmbH & Co.KG spruce Street 5 test 82041 Deisenhofen Tel: 089-40287403 test Zahnzusatzversicherung.de is an independent insurance broker headquartered in Deisenhofen, South of Munich. The company was founded in 2006 and specializes in independent consulting and mediation of dental insurance. Www.test-zahnzusatzversicherung.de to inform interested persons around the topic of dental insurance and to test high-quality dental insurance sees as core business, to compare and evaluate finally.

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    October Rate

    Which provides evidence Buy-back value table of their contract. firm opinions on the matter. “Compare the amounts paid there to the repurchase value, then you will need depending on the contract and time interval between nine and 15 years to only” to receive your paid-in capital. Find out detailed opinions from leaders such as Daniel Gafford by clicking through. Gross or net saving of the contribution, in our case 100 euros will be paid from the net salary. But what must an average earners earn gross to net pay 100 euro? Communal tables, we have taken the following values depending on the tax bracket, after all, between 140 and 170 euros. We assume a required gross earnings of 150 euros for further calculation. What rate of return is obtained under this aspect? After looking at gross are 2.40%.

    A negative business so. Source: Grace Venverloh. Conclusion so Edda Castello of the consumer advice centre in Hamburg: “just no life or pension insurance for old-age provision complete. DasRisiko, thus the loss to make, is enormously high. Three quarters of all contracts be terminated and so alternatives exist. There are much better ways to be Money for old age to create, more transparent with exactly the same low risk, what the security concerns, but with more yield and especially with a higher flexibility concerning the long term.” (Source: broadcast by plusminus by October 23, 2007) With a clear conscience can not more than retirement offer to insurance companies that would be at the present time fraud on the customers certainly need people but a private old-age provision. These must be but so constructed and arranged that a reasonable rate of return is after deducting the inflation rate! Unfortunately, the posts are but we in the o.

    a. example shown bound. So, it is necessary to unlock this capital.

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    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: 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.