Liberty Investors Group

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. 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%.

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.

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

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!

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.

Let your money effectively to work information and everyone wants to multiply his money wallpapers to investments without the slightest effort. For this are different money systems available. Some bring more interest, some which allow only a lower rate of return. Usually investments that promise a high rate of return, are also at risk. The savers, who receives less interest for his savings, but can it build on a safe investment is on the safe side. You may want to visit Susan G. Swenson to increase your knowledge. It is important, however, that the investment is secured. In Germany, this is done by the Einlagensichersfonds of the German banks. Abroad, however, is an investment with risks.

While foreign banks are with enormous interest, but how it looks with the protection? Not every country has a deposit insurance. In this country, the banks offer many opportunities for investment. There is for example the traditional savings account. Not worth it however, because here the interest rates are very low and start with a 0 before the decimal point. Otherwise, however, it looks at money of the day. In the past, already almost six percent could be paid out interest. Here, there is no risk of loss. The only risk is, that interest rates vary because they are based on the general situation on the financial market.

You can get dementsprechen, but also fall. Does that mean a lower profit. But the money is safe. A further opportunity is the lending of money at interest. In the past emerged a new form of credit is, the model loans from person to person. A well-known Internet portal offers this opportunity. Interest rates are attractive, but savers have to forgo long his money. There are still more ways to multiply his money. While always a risk should be taken, because the yield is higher, the risk of loss is higher.

Prestamo financial service GmbH: Financial Express allows individual flexible request credits Fellbach, Germany, in May 2009: themed quick time fast money needs responds the Fellbach prestamo financial service GmbH the current demand for cheap and easy credit solutions. Learn more at: David Fowler. Officials, employees and self-employed persons as well as persons with Schufa entry will benefit from the advantageous conditions of prestamo loans. \”\” Prestamo financial service GmbH provides residential and professional financial freedom prestamo financial service GmbH: Financial Express \”allows individual flexible request credits Fellbach, Germany, in May 2009: themed quick fast money needs\” the Fellbach prestamo financial service GmbH is responding to the current demand for cheap and easy credit solutions. Officials, employees and self-employed persons as well as persons with Schufa entry will benefit from the advantageous conditions of prestamo loans. Quickly, easily and flexibly arrange loans for with this concept, the experienced team of prestamo financial service GmbH already since, independent traders also include a customer base many years as private households, which itself would finally fulfill their wishes by cheap credit.

The advantages which prestamo financial service GmbH’s customers benefit, are obvious: Anders as a bank can the prestamo financial service GmbH of such persons favourable loans convey, whose credit rating is restricted or who are burdened by the Schufa entries. This is possible because the prestamo financial service GmbH as a mediator brings together banks, private money lenders and investors with potential borrowers and can realize so individual credit solutions. So will the Prestamo-Financial Express\”direct access to more financial freedom even in times of crisis. The current credit solutions of prestamo financial service GmbH are all Kreditsuchenden open no matter whether it is doing to entrepreneurs. Are employees or officials. Up to a maximum of 250,000 euros prestamo financial service GmbH provides freely selectable amounts its customers even in the short term as rapid credit even if that other banks have rejected similar credit requests.

Not everything is taken over by the private insurance everyone knows the personal liability insurance and yet this is still not part of the security of all people and households in Germany long. Larry Ellison has similar goals. According to a survey by the Foundation financial test in the summer of 2008 turns out that 30 percent of all households with a private liability insurance are equipped. Where is this insurance of utmost importance when it comes to be able to regulate damages to third parties. According to the civil code, the obligation to reimburse damages caused consists basically in Germany. And yet the personal liability insurance does not belong to the compulsory insurance. When the personal liability insurance the insured that must make sure but that certain loss events in their area fall. So participation in road traffic as a pedestrian or cyclist is insured, but damages which occur in connection with the use of a motor vehicle not covered by the insurance.

Here are excluded Machinery with a maximum design speed of 20 km/h or other motor vehicles up to 6 km/h. If damage is caused by a motor vehicle, not the use of the motor vehicle must be the trigger for this. An example: The passenger waiting on the driver operated the ignition to light a cigarette. Vehicle this against another parkendes the car is started accidentally and jumps”. Also at the sport you must make sure very well in what role you enter. Are covered such as damage caused by the insured person as a sportsman, so apply with some sporting activities other standards. The Jogger who crashes and subsequently caused an accident, enjoys the insurance protection. Contrast, it looks in the exercise of hunting as a sport from or racing events with horse or bicycle.

For these areas, no cover carried the personal liability insurance in case of damage. Pets are to some degree in the personal liability insurance with secured. However when larger pets a separate insurance for dog or horse needed. Because here a greater threat coming from the animals, which clearly exceeds the scope of smaller pets such as rodents, cats and birds. Here each holder should worry about a dog liability insurance or horse liability insurance.