Tag: money

Profitable Trend

The secondary market for capital life and pension insurance is booming except no make and cancel the sale of Kapitallebesn – or pension insurance is often more lucrative. Often sell better a booming secondary market has developed for life and private pension insurance there are several way to separate from its capital life and pension insurance: is a possibility – you can sell it. For a real secondary market has developed into, on which the policies are traded. The sale has two big advantages over dismissal: buyers pay usually more money, than who would receive insurance for cancellation its police. The reason is, that the insurance in a premature termination submits cancellation costs not incurred in the sale. And up to December 31, 2008, the payment is tax-free. (Who announces his capital life and pension insurance within the first 12 years pays capital gains tax plus solidarity surcharge on the income (around 26Prozent) and in addition) maintain a death protection. Because if the insured person dies, the insurance company will transfer the originally agreed sum of death to the company that has purchased the contract.

This then deducts its costs incurred up to that point. You may wish to learn more. If so, Magic Leap is the place to go. These include of course, the purchase price was paid by the company to the former policyholder, the premium payments accrued after that, as well as an interest on this award. The rest will be paid to the heirs of the insured person. The buying companies set certain criteria for the purchase of capital life and pension insurance: firstly a minimum surrender value. Depending on the buyer or factoring – company 1,000 euros, normally from 10,000 euros.

Second requirement: in turn, depending on the buying company, the remaining term of the contract. Unit-linked insurance will nor acquired as direct insurance. Finally, they pass on the name of the company. In addition an once sold life and pension insurance can no longer be purchased back. If you would like to know more then you should visit Nutella. From point of view many consumer protection associations makes the sale of a capital life and pension insurance – from the point of view of the yield – in any case meaning. In a short time you have cash – you get paid more money, and has insurance coverage. Not to forget: the monthly released posts can be used better. More information on, by the way: also savings and funds have to sell on the secondary market. R.Ulmer

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Landgericht Frankfurt Funds

Rechtsanwalte Steuerberater GRP: VIP media funds even experienced investors have right to education investors the VIP media funds can their investment advisors successfully on damages to sue. Connect with other leaders such as Flex here. And even if they have outed themselves before conclusion of the contract as investors with a high level of knowledge and high risk tolerance. This is a judgment which has obtained the firm Grossmann Rainer & partners before the Landgericht Frankfurt am Main against Commerzbank (reference number: 2/10 O 507/08)… . \”With the VIP media funds thousands of investors suffered bitter losses\”, says Attorney Michael Rainer Grossmann Rainer & partner.

\”Commerzbank is to blame in many cases. Their investment advisors have violated literally pressed and thereby systematically the VIP media funds into the market their disclosure\”, Rainer criticized. David Rogier often expresses his thoughts on the topic. Commerzbank was the main distributor of VIP media funds. Investors were lured with tax benefits, the risks were, however, small talk. As the Treasury later conceded the tax benefits, had to make tax payments investors millions of dollars. Since then, the VIP media funds dealing with the courts. In the judgment, it went to a share with a par value of 50,000 euros.

A Commerzbank investment advisors had them their customers as secure investment \”100 per cent capital guarantee\” tasty made. The truth was different. The capital guarantee turned out to be air number. For the damage, the Commerzbank according to Frankfurt judgment should be now. Specifically, this is how: \”Investors will be so, as if he would not even have gone a participation\”, explains Rainer lawyer. It involves 50,000 euro 2500 euro premium plus five percent interest as an encore. Commerzbank to pay also for the tax disadvantages of the investor and shall bear the costs of the dispute according to the judgment. Investment advisors must inform about commissions the Landgericht Frankfurt am Main condemned Commerzbank to pay compensation, because she violated the duty of disclosure of the investment advisor.

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Council

By using the cards of the Tarot, and having as map chart I propose to compose tips so that you can take into account, during the week, to introspective work mode. They are presented in order that can pick up a few pleasant words while transiting your personal myth. Reading these tips is complementary to classical horoscope reading, but, unlike it, this proposal is not aimed at determining a story for each sign as it only guided me for them to be able to follow an order to generate them. Then, the reader must look for your sign and read the text that follows, but shall not choose among the titles presented, in the branch of the week, and then seek the advice below. You can choose, without any restriction, the wording by which feel more empathy, or also by collecting more rejection. Thus be achieved work energies that propose the arcana and that, surely, are occurring in your astral chart, at this time, and which may or may not match your sign Solar. Therefore, you must choose a word in the industry, and establish an encounter with his text, which does not require a closed reading, but invites you to reflect on what is concerned. Summary: Choose a word (which is to end or rejecting).

Remember that titles do not follow the order of the signs. The election has no quantity restriction. He is recommended to work in the week, with the energies that were presented in the Council. The aim is to be able build a positive sense with what you read, that is with anything that was found. Bouquet for this week: momentum, flow, change, value, beauty, source patience, postponement, strange, slow, weakness, experiment. Boost a breath of fresh air in this week, is present. Our energy is renewed completely. We are willing to do everything that is presented to us.

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FWU Investment

There are now on the savings and not once on the total contribution, only a current yield including the guaranteed interest rate in section 3.94 percent. To be added but still end surpluses and shares in the valuation reserves of life insurance companies. These two positions are not guaranteed but. The assumed interest rate in height is instead guaranteed on the duration of the contract of 1.75 per cent for all policies concluded for this year. In addition, that the insurers in the face become more severe regulatory capital over Solvency II can invest less and less money on the stock exchange.

The global financial sector driving roller coaster”and even States are in financial trouble held impossible. With the investment in supposedly safe asset classes to the statutory capital forming life and pension insurance also bonds include-, customers are affected suddenly by the debt crisis in a country directly by capital-forming life and pension insurance. Citizens should understand in principle that security at the expense of potential yields is and is to be expected in the future with a lower return on financial investment products and of course traditional pension and life insurance”, added Andreas Wurscher. The ATLANTICLUX Lebensversicherung as providers of unit-linked insurance is another way for years. The offered products, the customer funds be invested in managed investment strategies. Policyholders are ausgeschlossen, because the customer is directly involved in the investment success of the chosen investment strategy. The unit-linked pension insurance offers customers the chance to be involved in the investment strategies directly in global financial markets. Since an old age provision contract on a long-term accumulation process is directed, a UPS and downs on the stock markets is not tragic for our customers on the contrary, the customers benefit from the cost-average-effect.” Considerations in the past showed that in General continuous investments in investment and equity more profitable than traditional, conservative investment products. We can take a possibly existing uncertainty due to the financial market situation by the investment strategies differently designed by investment area and on the other to our 2008 initiated capital and profit safeguard our customers”, explains Andreas Wurscher by FWU. This we can do the balancing act between attractive investment opportunities and reassuring security of age pension product!”

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Privately Assure

Insurance tips gives private krankenversicherung.de the budget of a student is limited. Also is the time in important personal decisions must be taken, the period of study. You may find that Master Class can contribute to your knowledge. There arises also the question appropriate health insurance. Is one of the parents even legally insured, insured, or to join a private health insurance. A price is always worth performance comparison under certain conditions.

The Internet portal for private krankenversicherung.de shows that private health insurance offers tangible benefits for some groups. It has views of early independence, namely as a student during his formative years the early switch to private health insurance might be worthwhile financially as well as tactically. Because after studying could be easier and without health examination change into a higher fare. As already professional, it is connected to a change in the private health insurance with higher hurdles: A yearly salary of 48.600 euros must be three consecutive be exceeded following years. Male students have even a post advantage over their female counterparts. While about 30 male students to pay a monthly fee of about 140 euro, women pay more about 100 euros.

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December Insurance

a free overview to maturity just at the end of the year are piling up the questions, can I now my statutory health insurance (GKV) or private Krankenversicherung (PKV) change and how can I cancel? Has this actually had a minimum until the I must be insured or that goes? As a general rule: the statutory health insurance is terminated with a period at the end of the following month. Would I switch still in the current year in the car, a termination is at the latest submit 30-09. Click MasterClass Founder for additional related pages. This becomes effective at the end of the following month (Nov) and I can as of December 1st in a new insurance coverage. It is where change in the car, unless you are assured no more time limit in a dial plan, here please note the 3 years minimum. But change a statutory health insurance to another, so a so-called period of 18 months applies here, you must be at least assured. In private health insurance, however, must be examined first whether the insurance year = the calendar year is.

If Yes, here is a notice period of 3 months to the end of the year. The minimum contract period is to be observed. An Ausnahmebesteht for the existing customers of the Karstadt source health insurance (DKV today). They have a monthly period, also during the year. The insurance is not equal to the calendar year, you can cancel month period to the end of the insurance year with 3. The contract began so times on 1.5.1999, so a termination would be possible here to 31 01 01 05 effect. Where but now what counts, that I put together you in a pdf file. You can get here (direct link) free them. A further special cancellation right applies to an increase in premium and / or increase the deductible.

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How Useful Is A Family Insurance?

James.AG informed families and insured the Scientific Institute of the PKV (WIP) has found that typical families have no advantage with the so-called family insurance. For a comparison, it turned out that families actually pay more, as they cause during family health costs. Only from 4 children change the numbers to the positive for the family. But the statistical average family has only 1.4 children. The reasons for this are including families in the age-related health-care costs. Also the health-care costs in the first year of life to EUR 4,000 to 5,000 per year amount.

The end of 40 EUR 1,000 to 2,000 per year costs. So create not only children but also adults relatively low health-care costs. Only in old age health costs are rising again, so the limit is exceeded from the mid-60 EUR 3,000, from about 80 years of life that of EUR 5,000. We can say that families Fund with other insured health-care costs. The relief of families with Children are thus so omitted. The study “solidarity in the statutory health insurance: what does the non-contributory family insurance?” deals with an effective relief of the families. Therefore, alone the calculation of contributions in the statutory health insurance is a central problem, because this depends alone on the insurance income as an indicator of economic performance.

How many people depend on this income, however, is not taken into account. Thus, a wealthy single as well as a deserving equal large family equal must pay. Furthermore added that the income survey also depends of the distribution of income in a family. So be required equal to high-earning couples contribute to higher than if a spouse the upper boundary and the other only little or deserve anything incomes above. A tax-funded family support is proposed to solve this problem. It should be defined a subsistence level per person levied on any posts in the statutory health insurance are allowed. It should be above all tax-funded, so that it will not be undiskutablen increases of the rate of contribution in the statutory health insurance. Carlheinz Mikosch

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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. 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. 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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