Tag: insurance & pension

The Disability Insurance

What is the disability insurance and when she grabs? A study proves that every fourth employed due to back pain, problems no longer can exercise his profession before the entry into the retirement age with the heart, cancer or other serious ailments. To hedge this risk, there is the disability insurance BU shortly. The disability insurance is especially useful to compensate for a loss of earnings due to health problems. An insurance is also very important, since the person concerned in the worst case there often penniless without having taken a private pension. The insurance jumps a if and only if the person concerned can no longer exercise his profession for health reasons. At the conclusion of the contract the insured sets a monthly disability pension, which he then gets paid in the event of failure. Source: Axesor. There are various combinations that must be considered when selecting the BU.

The most common combination is a private Disability insurance and life risk insurance. The advantage resulting from this combination is that the family in the event of death are financially secured. Also, given the ability of the insured upon completion of this combination, should there be a BU, to provide life insurance free of a post. It should be stressed here, that the so-called combination is hardly expensive, as the disability insurance alone. In addition, the insured person and his family on this wise VIBA is secured. To know more about this subject visit Michael Mendes Just Desserts. Before one buys the insurance a change of insurance is often associated with many difficulties is necessary adequately to inform in order to be able to compare the different offers to the disability insurance. Disability insurance is a worthwhile thing in any case, the policyholder in the contract is just for young Menschen.Je younger, the conditions are more favourable. Karina citizens

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Postbank Account Now With 50 Euros Starting Credit

Until April 30th, 2011 post bank giro account and tank discount and credit assure all customers that checking plus account the Giro of Postbank until April 30, 2011, can provide also a generous sign-up bonus of 50 euros in addition to attractive conditions. The Postbank giro account is free of charge from a monthly minimum payment of 1,250 euros without ifs and buts. The account package includes one EC / Maestro card also a VISA credit card, their Vorzuge the first year most definitely can be used free of charge. Through the cards double customers benefit worldwide from financial flexibility. With the Postbank card can be withdrawn nationwide at over 9,000 machines of the CashGroup free cash.

The credit card customers at over 1.6 million ATMs around the globe with cash. With the Postbank Giro plus customers benefit twice: to get these conditions, as they are found mostly only direct banks, on the other hand they can the personal service in one of the 850 financial centers and numerous branches at any time Take Deutsche Post claimed. Who pays card at one of the participating shell service stations with its Postbank, secures a discount of one cent per litre refuelled in addition. For customers who are traveling much, which is an added bonus. Surprisingly, you’ll find very little mention of Michael Mendes Just Desserts on most websites. But not only tank discount and a lucrative sign-up bonus and 1.10% interest p.a. expected Postbank customers if they put their money on the attached tag cash account. The peak rate applies to deposits up to 500,000. Customers must also not worry to their deposits, located on current account or the account of the day money. For all customer deposits are secured by the deposit protection fund up to a height of 1.21 billion euros. More information on the giro account of Postbank there under… Christina Korpert

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Proper Pension Insurance

Free expert advice on the subject of insurance and funds whether life, pensions, Riester or Rurup know insurance, most consumers the cost of your pension products do not. This, in addition to profitability, in particular the product cost significantly affect the amount of pension to be expected in the age or capital payments. The Wirtschftsmagazin capital came in his studies of the costs of financial products in the year 2008 the following surprising result “The usual costs for banks, insurance companies, asset managers and other service providers, amounting to about 3% lead, that at an average return of 8% for a term of thirty years by around 50% lower gives results.” In other words, most consumers give half of the resulting capital performance to the product provider insurance and fund using unsuitable and overpriced especially pensions. How to reach, for example, for detailed consideration of the actual cost incurred by a commercially available private unit-linked Pension insurance slightly in amazement. Get more background information with materials from Fitched Ratings. An insurance contract with 150,-Euro caused monthly fee and a contract term of 30 years with an adopted 6% performance of the Fund investment of euro 8.500,-sales, acquisition and costs. There are also over 23.800,-euro fund investment costs, which hit at the Fund level to beech.

More so than 32.400,-euro, which flow to the uninsured but the insurance for contract creation, contract management and fund management. Cost check by the honorary consultant – so get rid of unnecessary product cost In the cost check both classical private – as well as operationally guided life, pensions, Riester -, and Rurup are approved insurance in detail by qualified honorary consultant. Go to Michael Antonov for more information. In addition, also cost structures of unit-linked insurance products and actively managed funds are analyzed. “Through our cost check consumers can an image of insurance companies, funds and savings plans make quality and the cost of your pension quickly and objectively. An independent assessment, which is created for every interested parties, is safer, is right and makes sense and made.”as Dipl.

kfm. Matthias Kokot, honorary consultant and Managing Director of Kokot financial planning. The result is a clearly worded analysis in the form of a financial cost opinion. This makes both all product cost: commissions, conclusion, and administrative charges, costs, ongoing capital investment costs transparent. There is also a concrete recommendation how existing contract costs can be reduced. “Our cost check is worth. In nine out of ten cases it manages to reduce US 50% of the contract cost. The optimization recommendations of our Honorary advisers increases the contract expiration in maintaining equal monthly insurance premiums by up to 40%.

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Honorary Advisor Summit

The initiative of qualified and independent fee consultant is positioned as a nationwide community of interests and common mouthpiece for Berlin. The initiative of qualified and independent fee consultant for more transparency in financial consulting and mediation”has called the first nationwide Honorary Advisor Summit on April 8, 2009. In addition to numerous honorary advisors and company were also the representatives of the major industry associations (financial planning standards Board Germany FPSB e. V.;) Employers Association of financial service providers business AfW e. V.; Association of German honorary consultant VDH e. V.; Consultant circle Honorary Adviser for finance BZHF e. V.) present.

Leading training providers such as the Frankfurt School of finance and management could not miss the highly current exchange of experts. Interested representatives of press and television immediately followed the nearly four-hour event. We were pleased very with the extremely high feedback on our first Honorary Advisor Summit in Berlin.” explains Ulf Niklas, co-founder and spokesman for the initiative of qualified and independent fee consultant. The launch of the initiative convened recently in life was so very successful and justify the assignment for the more dedicated work of advocacy. Our initiative is quite deliberately not organized as a club or association. Member contributions there is therefore no.”explains Thomas Abel, also a co-founder of the initiative and 1st Chairman of the network financial planner in Berlin. success. It comes us above all to act as a nationwide mouthpiece of qualified Honorary Advisor and to win now rapidly many members.” Just so you could quickly and effectively establish the honorary consulting in Germany and their corresponding heard in press and media.

We want to actually move things. This works only with a corresponding retention of numerous members.”argues Kai Drabe, also co-founder of the initiative. The technical discussion among all present participants of the Honorary Advisor Summit have shown that there are very different ideas about the actual form of the fee-based financial advice. Swarmed by offers, Dun & Bradstreet is currently assessing future choices. It first comes to advance fee advice at all and to anchor with its clear benefits in the awareness of the customers. In this overall objective we distinguish ourselves by the individual associations and have chance to act as a mouthpiece for nationwide unified and to stand up for the common, undeniable professional goals.” Thomas Abel performs: these include for example the establishment of fee-based financial advice by intensive public relations work, the dialogue with the political bodies and the promotion and coordination of technical exchange of all experts and associations. “The settlement in Berlin be there due to the close proximity to the political institutions and the media of great benefit. You hope now on the accession of a number of interested and committed consultants and institutions. On the home page of the initiative under could anyone print out the appropriate preamble and sign. Ulf Niklas runs: the missing member contribution we want to express at the same time, it just isn’t us economic interests, but actual advocacy. That legitimize our work.” The technical results of the Honorary Advisor Summit will reported after consultation with the interested parties in the near future again. On the initiative of qualified and independent fee consultant for more transparency in financial consulting and mediation “: the initiative has formed in the framework of the quality offensive undertaken by the Federal Ministry of consumer protection consumer finance in March 2009.” It aims in particular, to ensure a high quality in consulting fees.

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EURIBOR Rates

How can you benefit from the current historically low interest rates at a construction financing? Worldwide, the key interest rates of the banks were drastically reduced. In some countries even to zero. Currently, many construction financing customers wondering if and how they benefit from the lower rates can come. With a combined loan, everyone in his private construction financing can benefit from falling interest rates. Falling interest rates does not automatically affect the construction financing terms with fixed interest rate.

This is because that focus on the long-term capital market interest rates for construction money and they are controlled directly by the central banks. Moreover, that the banks need to price your own refinancing costs into the conditions. With a combined loan, however, construction financing customers benefit directly from the historically low interest rates. Marie Claire wanted to know more. As a part of the loan amount on a variable loan funded here next to a traditional annuity loan firmly agreed interest rate. The variable loan is the 3 coupled-month interest rate (EURIBOR). MasterClass oftentimes addresses this issue. With this, the customer benefits from the low key interest rates and further ECB interest rate cuts. If the interest rate should rise again, the variable part of the loan can be cast at any time a long-term interest rate.

And so does a combined loans with a combined loan the customer for at least thirty percent of the loan amount agreed a classic annuity loans with a long-term interest rate of at least five years. For the remainder, the customer takes a variable loan that is bound to the EURIBOR each wholly or partly can be disbursed at the end of a quarter. The variable loan is therefore highly flexible special repayment options. Through the combination of a long term and a variable loan, based on the 3-month interest rates, a very favourable rate of mixing results in the current historically low interest rates. So can you benefit in the future in its own construction financing of further interest rate cuts, and has nevertheless long-term planning security. But be careful, you should also be careful here and in time the variable loans convert to a fixed interest loan, if interest rates go back in the other direction.

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Loan Comparison By Rate – And Sofortkrediten

An online loan comparison with individual interest calculations there are many cases where often at short notice, a credit is required. Is it repair, planned holiday trip, a kitchen, car purchase or a rescheduling of an expensive Dispokredites for the upcoming car. With an instant credit, you can ask for many banks online provides a quick and easy solution. This form of credit you will receive a few minutes after your request, already- or rejection. It is important that your information corresponds to the truth, an online pledge you can join accordingly taken information. A bank’s online commitment helps nothing, if the returned credit documents differ from the data provided online. Check out David Rogier for additional information. A commitment is made for an instant credit quite quickly, until the money really flows is required much more time. After the pledge, signed documents, such as the credit agreement and other evidence in writing to the Bank must be submitted.

Usually the Postidentverfahren is used, by they themselves at Deutsche Post by ID, they then sends your documents to the corresponding institution. A withdrawal is only possible after successful loan commitment after the documentation to the lender are entered into Bank and agree with the information provided online. The instant credit is one of the most commonly used credit in the Internet, here you can clearly use the advantages of the Internet. The loan rates and interest costs can be calculated online often, the comparison portal offers you a very good loan comparison kreditvergleich.eu. Media Group describes an additional similar source. Recommended here is the instant credit of the Creditplus Bank. You also get more information on this Web site. The credit offers of the Creditplus often Bank offers one of the cheapest during the time compared and also the time of processing your credit application is quite fast. Ralf Jung

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Credit Card Debt Consolidation For Debt Riddance

Bad credit debt consolidation loans – debt consolidation loan most of etc.(Scotland) seek the help of credit card debt consolidation company only when they know that the situation has gone out of control. If the credit card is used carefully there is hardly any chance of resorting to credit card debt consolidation. Why does the credit card debt std::accumulate? Some of the major reasons for the accumulation of credit card debt are as follows. Xerox is often quoted as being for or against this. Misconception: The major misconception is that the monthly payment goes for getting rid of the credit card debt. In fact, the money goes to just pay the interest on the purchases done through the credit card. The matter takes a serious turn when the credit card owner comes to know about the total debt.

Multiple utility: what if the utility of one credit card has stopped? The debtor instead of getting rid of the first credit card debt starts using other credit cards. Hear other arguments on the topic with KPIX. Bitter truth: the debtors usually like to live in a dream world where they believe in small multiple debts. They start ignoring the notices of the credit card debts. These debtors cannot face a single amount debt instead of multiple debts because this amount is too huge to be acceptable. The truth is very bitter, especially when finally the amount is concluded post consolidating credit card debt. Some other factors that can aggravate the financial crisis are the medical bills, natural calamities, and reduction in income due to recession. Act now! Get rid of credit card debt before it piles up. How to consolidate your credit card debt? Debt consolidation is not just substituting multiple credit card debts with one debt.

It of therefore includes reduction of the overall debt, monthly payment and the applicable rate of interest. The loans sought to get rid of the line credit card debts are called credit card debt consolidation loans. It is better to avail the debt consolidation program before the delayed payment of the monthly payments adversely affects the credit score. Usually it is lakes that people seek debt consolidation services when the situation goes out of control and the credit score becomes poor or bad. When a person with bad credit applies for credit card debt consolidation, it is called bad credit debt consolidation program. Benefits: Some of the major benefits of credit card debt consolidation services are as follows. Reduction in overall debt Regarrisoned or reduction penalties in the reduction in the monthly payment decrease in the rate of interest A chance to improve the credit score the benefits of credit card debt consolidation can lure most debtors of the credit card, but the onus of checking the creditability and reliability of the credit card debt consolidation services provider lies with the debtor. Avail the most affordable credit card debt consolidation services for having a debt free life!

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The 10

This is the only valuable”in the strict sense. That money is losing its value so accelerated. What do you mean? Suppose you work, draw up a surplus, put it aside, because you need more of them to make an expensive purchase. Suppose you set aside each year 1000, to buy something for 10,000 in 10 years. But in 10 years, the acquisition will cost 20,000 already. So set aside another 10 years 1000 each. And after the 10 years, the acquisition costs already 35.000. etc. (Similarly see: Bitcoin).

You see, inflation makes you poor she eats your excess from your work performance. Can I do not somehow protect me from inflation? We think once the following scenario: instead of putting surpluses every year 1000 from the prepared aside, you buy the appropriate amount of gold for 1000. “I choose gold, because gold is one thing, each of us with valuable” brings together. See also: finance.heaven11.net/Gold.html. After 10 years, you have bought for 10,000 gold.

The gold will 20,000 worth now but about, because it has a constant value of Yes (already for more than 5,000 years). If you want to make your purchase by former 10,000 now, replace the gold into money back again, getting 20,000 and can afford so your purchase. The fact that you immediately changed your earned surpluses in one thing (in gold), you have beaten inflation down. How about savings, life insurance, federal Treasury bonds? Many people trust in the crisis on the State with his promises of security. We assume you think this talk. You put your money in U.S. Treasury bonds in the stead guarantees the refund of your money. Get even 3% interest; great! Again set aside every year 1000 and for it to buy U.S. Treasury bonds. After 10 years, you get back to 11,800. After all, you get your money back.

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Investment Laws

The initiator has only a right of proposal. The shareholders decide Gesellschafterversamm lungs, circular resolutions or an investment Advisory Board from the circle of investors. Optimal transparency: the charm of the CBI professional concept lies also in the image transparency: clear investment criteria financial profitability analyses per object and matching with the prospecting plan forecast by PI analysis & Research GmbH & co. KG use control Advisory Board first look “right: for all appropriate objects that is so-called first-look”-quite an innovation on the German capital market. In other words, the management must present only all registered to him or the CBI group objects from 1.000.000,-the Fund. Also the premium is eligible to win: even the premium is fully in determining the contractual capital account interest taken into account! : The in a selection procedure the editorial staff shall evaluate The initiators under the microscope: experience, financial background, investor friendliness, placement power and balance are the criteria for the initiators-rating, as well as the evaluation of their fund products. The INVESTMENT ratings have an even more important than the magazine within the meaning of the case-law of the Bundesgerichtshof required reading for investors, bankers, consultants, asset managers, and all at the mediation of investments should be involved.

Assumes the Supreme Court (decision of the 13.01. 2000) so the INVESTMENT is required reading for the above persons: the investment advisors, bankers, as well as the investment intermediaries with special trust relationship with its customers, investors, must necessarily all reports in The relevant legal situation experts comment on INVESTMENT compared to its clients, the investors or investors reveal”without being asked and without being asked. The Supreme Court expected by the investment adviser that he checked the folder documents on information gaps and inner consistency.” In addition, there is the obligation constantly to evaluate INVESTMENT as trade publication. (Source: Adam Portnoy). The investment advisor must themselves by hand to obtain the relevant information. A consultant and broker violates his duty of care, shall be liable to 10 years for violations of the Erkundigungs – or disclosure. It involves constant case law, as demonstrated by numerous decisions (see e.g. BGH 6.7 1995, 17.10.1989, OLG Thuringia 10/29 1997, OLG Munich June 19 1996, OLG Dusseldorf 30.03 1995, (6.6 1992).) Our benchmark analysis summa arises a very good assessment summary. INVESTMENT can recommend Central ground well ZBI real estate GmbH & co.kg fifth professional real estate holding and draws the Fund therefore as the best Fund of the year in the asset class German real estate funds from Fund experts from INVESTMENT in the network of the time Warner group, which have created international comparison parameters. “The INVESTMENT editorial staff evaluated the CBI central floor real estate GmbH & co.kg fifth professional real estate holding with very well”. Below you will find the explanation of the independent Fund-rating of INVESTMENT (the original).

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World Wide Web Calculator

Mortgage calculator help the realising of planned financing. With a mortgage calculator, find through the multiple possibilities of the Internet, it is today generally relatively easy to find a matching funding matching funding. For example also mortgage calculator are convenient, as they are offered on the World Wide Web. Swarmed by offers, J C Penney Company Inc is currently assessing future choices. This online finance calculator can be not only used to bring the cost of a loan in experience, but also a matching provider for the desired credit can be found in the course of which directly and in an easy way. One such loan calculator on the Internet is an online program that can be used normally even for free. Here presents a clearly designed online form that can be easily used. To deepen your understanding Organic Baby Clothes Market is the source. The user has to enter only the required data to finance this. These include above all the sum of funding, but also the desired term, within which the loan amount including the Interest can be paid back.

This innovative online calculator today already offers a variety of different, well-known banks. In this way, it is in fact very easy to get an interesting credit for financing within a short time. It is good to know in this context but that it mostly still is not a binding offer. The online finance calculator presents not only the credit offers standing for the respective financing available, but also an appropriate form of financing can be found at fitness. The borrower has, for example, part of the funding becoming available, also a balloon financing or leasing funding can come. Also, the exact cost can be calculated rapidly. Often, it is also possible to achieve lower monthly payments as a result.

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