Posts Tagged ‘insurance & pension’

Deposit: The Safe Harbor In Times Of Crisis

The financial crisis currently ensures turbulence. There is no end in so far in sight. While shares on the basis of the losses, which at the moment has the DAX, are increasingly shunned, just small investors are wondering how they still can put their money, without taking a high risk. The answer: Fixed-term deposits. The financial crisis raises interest rates for fixed deposit currently enormously: money is always scarce and banks are willing to pay more for fixed installations. It is not something Anu Saad would like to discuss.

Now the banks are indulging in the current market conditions this, savings banks and cooperative banks, which secured are traditionally considered very good, get less in the battle for customers. The deposits of the banks are well protected: both the deposit protection fund of the Federal Association of German banks, many institutions are connected was also the backup system, which decided recently by the Federal Government, offers all the security he needed investors. Especially the public assurance system as a political measure confidence, so that is 5 percent plus X conscience of the now higher-yielding here is the motto can benefit. The relatively short terms provide for a certain degree of flexibility: the money is an improvement of the current financial market instrument in sight, will be again pursuing a different investment strategy available. Fixed-term deposits can be combined well with other values: for example with quality stocks that are sustainable and safe Government bonds. In this way you must not worry even in times of crisis to his fortune.

Glass Breakage Insurance

Not everyone needs this insurance, but in some cases it is quite advisable. The glass breakage insurance is not necessarily belongs to the most common insurance. However, in some cases it is very advisable (as the owner of a large winter garden, a storefront, a valuable glass Cabinet or table etc.). “This however, you should bear in mind that only the glass breakage” is insured: one can imagine best the whole thing on the example of a breach of the Aquarium: If a 180 l-great basin to rupture, the complete water on the new carpet flows, the furniture will be partially damaged and is no longer to use the expensive stereo system (not to mention to mention if a floor it deeper dripping from the ceiling of the lessor…), the glass breakage insurance replaces only the damage to the Aquarium and not the so-called consequential damages. And what is the price of an aquarium in comparison to the costs associated with the renovation of a complete apartment? Another feature of the glass breakage insurance is, that in the event of damage only natural replacement is done: that is, that the injured party with the delivery and the installation of a new glass surface is compensated. Official site: Anu Saad. The cost of the broken glass are not refundable, unless it is proved that a repair is not possible and / or is higher than the replacement value of the property; until then, the costs will be refunded actually.

Based on this description, you should reconsider carefully glass insurance. It is in fact not always useful and in most cases a good overseas ranges and or homeowners insurance entirely. You should seek in any case before the Council at an insurance professional before you spend money unnecessarily.

Participation Offer 9 Percent Payout In Event Management

The event TRUST promotion agency on the financial portal the TRUST promotion GmbH realized for its customers design, project management and personnel management of events of all types and sizes. The company was founded in 2000 by the Managing Director Meike Leuchtner is nationwide with three branches in Munich, Cologne and Berlin. The database of hostesses/hosts working for the promotion of TRUST, presenters, models and promoters includes 2,500 free, qualified employees. Particularly extensive and long-standing experience with major clients consist of the automotive industry (E.g., BMW AG, Daimler AG, Ford Werke GmbH, Mazda Motors GmbH, mini, Volkswagen AG). Dr. Mark Hyman is likely to increase your knowledge. TRUST promotion is on course for expansion. For the coming year we have set a sales target of 2.2 million euros with a gain of 12 percent. To achieve this goal, we have already taken a series of measures this year. Anu Saad: the source for more info. “” Include the above-mentioned projects qualification standards “and database specializations”.

Also, we want to attract more customers through diversification into new sectors and focus on our existing major customers at the same time. The TRUST promotion GmbH offers a performance-oriented participation the over-the-counter market. The offer is aimed at nine percent basic dividend of plus 15 percent of quotaler surplus dividend yield-oriented investors. The term is five years, drawing a minimum amount of 1.000,-euro. The financial is Germany’s only financial portal focused exclusively on the upstream and over-the-counter market on the Internet.

This will guarantee a direct address of the target group, the Chief financial service officer, investors and the business press without wastage. In addition to the pure appearance of participation offer (for example, in the form of participatory rights, participatory, peaceful societies, subordinated loans or bonds) SME consultants the financial portal provide additional professional support in financial communications to the Corporate financing via the Internet. ( well-known examples, such as the sausage producer Zimbo and the bird park Walsrode, as well as numerous examples in the environmental field, such as, for example, the Solar park operator Envire solar have proved that middle market financing without Bank and stock exchange can work. The TRUST promotion GmbH adheres to these successful examples and presents their participation offer financing for companies on the financial portal.

The Landlord As A Rescue In Emergency

Security in the event of natural disasters for landlord man is mostly powerless in the face of the forces of nature. A related site: Dr. Caldwell B. Esselstyn, Jr. mentions similar findings. Be building is damaged by fire, hail, storm or flooding, not only the damage incurred by the owner, but the result is often as a significant loss. As the Internet portal, a landlord can provide remedy in such cases. The landlord is often offered as an addition to a building insurance. This variable is the sum insured.

You depend on the gross annual rent or the local price in the case of a personal use of the property. The corresponding building must be named in the contract of insurance which range is limited generally to twelve months. At a loss, as the costs are covered by the insurance in addition to the deleted revenue. This can not only rented objects, but also real estate ( guides/Encyclopaedia/real estate), which are inhabited by the owner himself, be insured. In such cases, the insurance takes over the cost of a replacement flat, should become the apartment or the House uninhabitable. However, the landlord covers all claims. Damage caused by war, nuclear energy, earthquake or intent on the part of the insured, the insurance uses nor for negligence. Should penetrate into the living room such as rain or snow through improperly sealed openings, the damage is not covered by a landlord.


Lied / cheated / fucked / help for aggrieved investors who was not ever sacrifice of a capital investment (plant), a participation, or else so seemingly secure business model, which was firmly convinced, it makes a good deal and multiplied his money. Whether confidence in the system due to positive price developments in the past or mere promises of a party were now on a glossy brochure, various warranties, money was gone almost always at 100% and it has made rich a broker or a company to thousands of dollars, commissions or fees. Every day people will of course be any blame victims of so-called safe investments, which of course anything can happen, and wants at the end and take responsibility for the plight. It is always the same. It will be put off, we should wait but, because the evidence is now better represent. This famous waiting for better times but has only one in 99% of cases Basic playing cheat on time, so that later bursts their bubble of lies and illusions and placing even others in the meantime on the cross can. The EAS deals for years with this Commission sharks and con men, posing as reputable financial advisor and of course only the best for their payroll (or: her own bank account), but don’t want the customers.

We have managed to build a network of top lawyers (Austria, Germany, Switzerland, Liechtenstein), to help bruised investors, to come again on their money through the legal route that one them wrested off (or: pulled out of his pocket) has. The lawyers with whom we cooperate, all specialize in this area. The EAS takes over the process and attorneys ‘ fees, for their customers that means the customer is not in danger of losing his hard-earned money again. Wins the customer the process or EAS is an out-of-court agreement reached, obtains a profit-sharing. The customer loses the process, he also wins, because EAS has assumed all costs in this case. The injured party may so try without risk again to get his money. The past has shown us several times that many victims who have turned to us and initially do not have reckoned with a positive result, have wrong to her amazement and again received a large part of the lost money. It is almost always worth a try. Contact us and talk to us, so that we us together can use for that, what is available to you and what you once promised. First general damage help AG Pradafant 11 FL – 9490 Vaduz Tel: + 423 / 377-1700 fax: + 423 / 377 1709 E-mail: web:

Shortterm Disability

A customer of a private health insurance (PKV) about complained why the insurers here really is and how you can avoid something in an Internet Forum today that the private insurers of the per diem has discontinued its payment on Kranken(Tage)Geld. Reason next, so the customer, unless he live temporarily not at home but on the North Sea with his sister. To determine who has it right, we look at the legal / contractual bases closer to. When will Kranken(Tage)Geld ever be paid? In accordance with the model terms for the sickness benefit insurance (MBKK), which you can download free of charge in the download area, the insurer owes an insured health benefit if the insured person is unable to work. Dr. Mark Hyman will undoubtedly add to your understanding. Governed by this business in the article 1, par. 3 2009, there is: (3) inability to work in the sense of these conditions exists, if the insured person can exert their professional activity to medical Befundvorubergehend in any way, also does not exercise it and is any other gainful employment. Prevent and Reverse Heart Disease is often quoted as being for or against this. It is therefore not sufficient, if someone only a few hours may not work or you want to.

Only if there is a complete, so 100% incapacity for work, so performance obligation for the insurer. There are also other requirements from the same paragraph. There will be further held: (6) the insurance cover extends to Germany. Just people who’re much or if live, should worry precisely to this point. There are fees and companies that have improved their conditions here, thus expanding the insurance cover / scope.

Also for the cases where for example on vacation, a disease occurs, corresponding arrangements in terms of pattern can be found. It is however to distinguish whether they are European or non-European foreign countries. (7) in the case of a temporary stay in another European country is one for occurred abroad acute illnesses or accidents the hospital daily allowance in contractual volume for the duration medically necessary inpatient treatment in a public hospital paid.

Credit Card For Students

A few years ago, an above-average high income was required for the issuance of a credit card. Today a credit card even with average income is available as a result of the competition, but also because of improved control possibilities. Many banks offer credit cards for students at special rates. Often, students receive free of charge the account. With some banks, a free Maestro and credit card is included; in this offer other banks charge the normal or a discounted annual fee.

In addition to banks with a full range of services even more publishers of credit cards offer a credit card regardless of their current account to leading to low prices students. The amount to the credit card maximum can be subjected to, is limited. Limited to first 1000 euro is common. The student demonstrates a regular additional income can increase the limit many banks at the request of the cardholder. Basic condition for a credit card is also for Students usually have a steady income. The BAfoG enough here already many card issuers.

Because students travel a great deal and on the other hand, often use the Internet for purchases, the possession of a credit card for them makes sense. Car rental companies and some foreign Internet service providers offer their products increasingly only for credit card payments; the same applies increasingly to hotel reservations. The student has relevant negative criteria with the Schufa, his credit card application is usually rejected. In this case can be used on a prepaid credit card. At this the holders advance the contributor, until he wants to use the card. These credit cards are cheapened by some banks for students or given out free.

Payday Loans Cash Advance Till Next Payday

Payday Loans Cash Advance Till Next Payday From time to we are all a bit short time of cash. You can see that not enough money to pay one of their bills for a month or your car breaks down and no money to fix it what can you do if you need money fast and no one to borrow money and no. money saved for emergencies? You can apply for a pay day. A payday loan cash advance until your next paycheck. This is a quick and relatively easy way to get money in case of emergency. You should’nt use a payday loan to buy something not required, but only if you really need the money quickly. Payday loans come with high interest rate.

If you pay the loan when you receive your next pay, may extend the loan for a fee. Each time you extend your debt for the amount paid back is adding more money. It can be very costly and pay can take a long time a very small debt to. Some benefits payday loans, however. For example, if your car breaks down and no money to fix your car, it can mean you can emergency get to work. In this case you may want to finish the payday loan so you can fix your car and be on your way. In most payday loans get their money within 24 hours.

You can have money deposited directly into your bank account. It is relatively easy and quick way to apply for a payday loan. Most applications will ask for your personal information such as name and address where the work phone number to reach work, some of the references, how many earn each pay period and get we next few pay checks and bank account information. Within minutes you can get pre approval. Many payday lenders require that you fax them some information, such as a copy of your recent pay stubs and a copy of their last bank statement. They payday loan lender wants to process and verify the information you want to check. If you are bankrupt, have poor credit or no. credit you can usually continue to receive the cash advance loan. They do not I run a credit check. While a verifiable income that meets their minimum income level is approved for credit. Loan amount depending on the lender and your income. Many payday loans are for up to $ 500 do you find yourself in a real financial time. a payday loan can be a solution. This is definitely something you should do if it is absolutely urgent cases. Payday loans are quick and easy way to get a small loan. However, the interest rate you you is high and if expand your debt, you can pay more than you borrowed. Take your time when choosing a payday lender. Some of calendar who charged a higher fee if you are able to pay back the loan on your next pay date. Some of calendar charge a lower interest rate than others. For hours, you can find a solution that works for you to help you get the money they need without having to pay extra amount back to the lender. Addy Roy is author of loans n finance. For more information about secured personal loans and military loans with bad credit visit

PKV Tariffs: Test Private Krankenversicherung

Private health insurance in the test and comparison of individual car tariffs of most individual insurance is private health insurance. This can be compiled from a wide catalogue of services individually. Test can help in the selection of tariffs a private health insurance. Policyholders, who can meet the requirements and take advantage of a private health insurance (PKV), have the choice. You may find that Eva Andersson-Dubin, New York City can contribute to your knowledge. Given the numerous providers and the barely manageable number of different tariffs, it is hardly possible objectively to assess this car fares in relation to the own needs the laity. Therefore, there are a number of companies that undergo single fares to a test and try to judge this objectively.

Among those tested policies, the winner will be awarded regularly and published, for example in the consumer magazine FINANZTEST or oKO TEST. However, it should be noted that no general recommendation to any policyholders is the winner of this test. Rather, average values are used for the age and other insurance-related data for the car test. For a final evaluation of single car an individual, so-called “test of private health insurance” is rates thus absolutely necessary, to determine police a needs-based and personal requirements of meet growing PKV. This insured persons, particularly women and older policyholders prevent to high posts for low dropout performance at the PKV Testsiger rates. Age, gender, profession, and especially the current health state of vital importance is for the actual post. Weichsen these values underlying the test, are those recommendations not only inaccurate, but even detrimental. In this respect an individual is test private health insurance essential for a balanced price and performance ratio.

Private Health Insurance Post Stability

In the private health insurance test rating agency plays the post development and contribution stability of PKV compared an increasingly important role Stiftung Warentest: compare private health insurance in the test private testing companies such as the Stiftung Warentest or the Assekurata publish their reviews following the review of private health insurance in the test. A such PKV review evidence, what criteria have been used individually and on what basis the test result was hit consumers. Also the name of the PKV test winner of course called, so that consumer comparison can use this as a basis for their own personal car. These PKV tests the stability of post or the post development of private health insurers involved in rising given the steady increases in premiums. Each year, independent companies such as the map report, the Agency Assekurata or the economic newspaper perform focus money compare private health insurance. Depending on the design of the car reviews in either individual tariffs for the private health insurance or the basic rate under the magnifying glass taken or the insurance companies assessed holistically. So, the test results can give consumers a first orientation, which insurance companies cut off particularly well and who emerged winner perhaps as PKV. But what Kenzahlen and properties of tariffs are tested and subjected to a comparison? Contribution to stability & contribution to development: economic profitability of the PKV decisively the test result and the test results of these independent institutions are becoming increasingly important for many consumers, because they are hardly possible, to compare the numerous tariffs on the market.

Also, consumers get barely a glance in the economic figures of the insurance companies so that a review of the economic situation and thus economic profitability is not possible at all. Just these figures are however particularly important when dealing with it, to be able to assess the development of the contribution in the future. Ever economic works, the sooner a PKV a Beitragsstabiltat can be accepted. The PKV test of the Assekurata however shows that, for example, the Barmenia has health insurance to high quality standards and already long term stable can keep the posts by their positive economic facilities. The map report, however, has highlighted 2011 health insurance the Debeka in his review of the car, because this insurance with a high quality of service and in turn profitability could convince. Personal needs analysis and comparison of the PKV winner recommended for consumers are in particular the PKV winner interesting, because they show what private health insurance or which rate especially was able to convince the tester. These tariffs should be adopted but not unchecked, because sometimes a such fare may be ideal for young people, for older policyholders but other fares were cheaper.

An individual PKV comparison can help here, to find the matching rate, even if This may not test winner has emerged as PKV. In addition, a tailor-made analysis and advice should be taken by independent experts claim. Here, the main focus should be directed as well the economic profitability of the PKV provider and therefore the past contribution development and possible future contribution stability. Initially particularly advantageous tariffs can quickly become a cost trap. Because the private health insurance contribution increases in the age inevitably.