Posts Tagged ‘insurance & pension’

Disability Insurance

Wednesday, September 13th, 2017

So cut the tariffs of the Debeka in test from the protection of the own ability to work increasingly becomes the livelihood. Because while approximately every fifth professionals before entering the pension age is berufsunfahig, the benefits of the statutory pension insurance enough barely to cover the financial needs in case of incapacity or disability. Before taking out a private disability insurance worth but to put more apart with different rates. Many consumers consult first the tests of Foundation goods test & co. disability insurance test of Stiftung Warentest Stiftung Warentest in the magazine regularly publishes reviews about various insurance products.

Also the disability insurance has been tested several times. The last big test of the year 2011 (Finanztest 07/2011) reviewed also the top fare of Debeka insurance of professional impotence. This is the rate with the best achievements of the Debeka. The tester by Stiftung Warentest, 1.8 gave the total score the top fare. “This is a judgment of good”. The top rate is open but not for all occupational groups. Only people in a profession with low or normal risk have the opportunity to choose the best disability protection in the Debeka.

People with increased or high risk, such as nurses or construction workers, better rely on a different tariff. The Debeka offered strong differences between top and standard fare also standard rates in addition to the top-rate, however, have a reduced range of services. That was also when the test sentences the past according to. The BU test the financial test achieved an overall rating of 1.6, while the standard fare with a score of 3.0 in 2007 the top fare of the Debeka only achieved a satisfactory result. BU rating of tomorrow & tomorrow for the Debeka rating disability of the independent analysis House morning & morning reached the disability rates of the Debeka results between three and five out of five possible stars. The top rate cut much better here compared to the standard fare. The standard versions were unable to meet the tester above all terms of the contract, while the top-rate here is at the highest rating of five stars. Find the best BU rate different to the tariff variants of the Debeka results, that the selection of the appropriate BU police not should be taken lightly. Consumers have therefore the possibility is to create a free quote. So they know which is best suited for your personal needs. (L.Meier)


Thursday, August 17th, 2017

Overview and introduction to the ship investments of ship investments are basically no modern entrepreneurial participation form. The purchase or manufacture of a new vessel was always linked to the investment of a significant amount of capital. For this reason communities, such as for example the Hanseatic COGS, were founded, actually already in earlier centuries for the purchase of ships were the precursors of today’s Schifffsfonds, ship holdings closed shipping funds. Worldwide transport of goods is to a large extent on the shipping. In recent years, approximately 97% of all goods with ships were transported, and rising.

Ship holdings, created by experienced issuers can benefit and achieve sizable returns. Ship funds are closed-end funds, where investors with a certain amount of capital involved in a shipping company. Common denominations of participation are 10000, 20000 and 50000 Euro. Out of the assets of the ship funds are often under Absorption of foreign capital, either one or more ships bought, built or it is acquired a stake in ships. Massoumi has plenty of information regarding this issue. The ships will be chartered then via a shipping company at an agreed daily rate to other companies. The Charter fee covers the distributions of the Fund shareholders, the operating costs of vessels and the repayment of the debt.

At the end of the term of ship funds, the ships are sold and the Fund dissolved. Ship funds be set up today mostly as a limited partnership. With this legal form, the liability of the investor on the excellent investment amount is limited. Ship funds are closed-end funds, where investors with a certain amount of capital involved in a shipping company. Common denominations of participation are 10000, 20000 and 50000 Euro. Out of the assets of the ship funds, often referring to foreign capital, bought one or more ships, rebuilt or it is acquired a stake in ships. The ships will then via a shipping company at an agreed daily rate to other companies Chartered. The Charter fee covers the distributions of the Fund shareholders, the operating costs of vessels and the repayment of the debt. At the end of the term of ship funds, the ships are sold and the Fund dissolved.

Franz Financial

Monday, February 13th, 2017

The stock exchange tax what 2014 on us to come off 2014 the financial transaction tax should be used to plug financial holes. Especially yields, Riester pensions and retirement benefits are strongly influenced by the levies. (Not to be confused with Confluence Investment Mgt!). Yields on mutual funds and private pension plans associated would be less with the entry of the stock exchange control. The State pushes the Germans really do this to protect themselves through a private old-age provision. A timely protection is recommended by a high risk of poverty in old age, can prevent any major pension gap. 2012 the Federal Minister of labour has already tried the pension obligation for the self-employed to introduce social Affairs Ursula von der Leyen (CDU), this edition of law could not enforce but in the Bundestag Additional burdens for citizens the GDV requires that pensions should not be burdened with the transaction tax. For Riester-savers, it would come to enormous losses.

Like this this example calculation shows that a monthly deposit of 100 euros in a Riester fund plan accumulation phase around 14,000 euros would be lost after 40 years. The financial plans should relate to other pension products, such as life insurance and private pension insurance. The financial transaction tax should be introduced not only from 2014 in Germany but also in 11 other EU countries. Politicians have already turned on to find a way, with the citizens and the State are satisfied. For example, should not only 11 EU States of the stock exchange tax are subject to, but a total of 27 EU Member States. Wolfgang Franz emphasised that this implementation would take longer as sweet and you should therefore implement the projects from next year.

Bad advertising for retirement must pay from 2014 small savers Exchange tax on their pension products, will be to see a decline in the numbers of accounts for new pension products. Losses in the private pension will be between 2.5 and 5.5 per cent. The Riester Fund is there with the biggest loss cut off this worst, there expects.

Courage To Change The Electricity Provider

Wednesday, April 6th, 2016

More money by new power suppliers increasing are the posts of health insurance, the tariff change many customers or switch to a new health insurance scheme. At current prices, however, many customers don’t dare the step to change the. Get more background information with materials from Bernard Golden . Just electricity customers when changing providers can save considerable sums. The Internet portal tells why a change of the provider and how easy it actually is. Power is impossible to imagine everyday life.

The fear, suddenly without a refrigerator, available as radio and light, is one of the most common reasons why clients changing the electricity provider rather hesitant trade. The uninterrupted energy supply by the respective local basic utilities is required by law and therefore invariably backed up even when switching to an alternative provider. The most current customers do not exploit therefore high savings potential, which brings a provider changes. Almost half of German households is still the expensive prices of basic utilities. Often the amount is also Difference between the annual cost of electricity in the old and new rate underestimated – in some cases up to several hundred dollars a year.

Yet only seven per cent of all electricity customers to a provider change decided even 2010 according to relevant political and business. Switching to a new provider is easy and can be done usually even online. Usually the new electricity company takes over the termination of the current agreement and the customer noticed the change only in the form of a much lower discount of the month. More information:… GmbH Lisa Neumann

Bank Of Scotland: Euro 30 Day Money Start Bonus Until End February 2011

Friday, April 1st, 2016

Bank of Scotland convinced with 2.20 percent interest and 30 Euro starting credit customers who opt for a day money account of the Bank of Scotland, get to the very attractive interest rates until February 28, 2011 a generous sign-up bonus 30 EUR. Thus it has extended of Scotland the action the Bank again for a month. Currently, customers receive 2.20% interest p.a. on their day money. This above-average interest rate given a place at the forefront of financial comparison under the Bank of Scotland already for a long time. Customers are looking for accounting charges and the minimum investment sum in terms of the Bank of Scotland in vain. The day money account is completely free and interesting interest attacks already from the first landscaped euro. The running interest is credited at the end of the year.

Investors can create up to 100,000 euro completely risk-free. Because this amount is protected by the British deposit protection fund in the event of a collapse of the Bank of Scotland. Could customers last year just 50,000 euros create without any risk, the amount was doubled in early 2011 and adapted so that EU wide. Savers who place emphasis on the safety of their deposits, could exploit the deposit protection limit with a part of their fortune and simply spread the rest of the money to other investment accounts. The multiple day money or deposit accounts is no problem. Investors should only make sure that the saver standard amount optimally is split, so that none of the worked hard”return is lost. With an exemption order, it is the bank credit institution, to exempt investment income from the access of the financial Office. All exemption orders provided from 2011, must be provided with the personal tax identification number (tax ID). Christina Korpert

Home Equity Loans Execute

Tuesday, December 22nd, 2015

Home equity is the safest and secured method for acquiring the loan amount for the fulfillment of needs and requirements. In this process, calendar charge low interest rate… Nowadays, acquiring loan amount for the execution of needs or desires have become easy especially if you have a home. Having a home in the United Kingdom is a matter of honor and prestige. It boost your confidence level as well as maintain your good credit score in the market.

Home is secured factor which you can use for obtaining the loan amount. Availing loan amount on the basis of home, it becomes more convenient and easy for the lenders and they offer good terms and conditions to the borrowers. All this is a part of home equity loan. The term equity defines the market value of home minus the outstanding dues on the home. So, lenders grant only that much amount which is equal to the equity placed in the house. This is the main reason, home equity loans are the secured loan and the placement of the valuable asset makes it more secured. Home equity loan are mainly designed for the execution of multiple long lasting needs and demands like consolidation of multiple debts, going to to abroad for the higher studies, renovation of home, wedding expenses, cosmetic surgery expenses, home improvement, buying luxury car etc.

Possessing home as a collateral, borrowers can avail loan amount ranging from $5000-$ 75000. lenders offer flexible repayment duration for returning the whole loan amount and it caries from 5-25 years. Since, this loan option is totally collateral based, lenders charged low interest rate. In the loan market, home equity loan are provided in two norms. The first loan option is a closed end home equity loan and it provides a one big amount for the needs of the borrowers. The other option is the open end home equity loans such as HELOC. It acts like a credit card and according to the needs and demands, borrowers can withdraw amount. Home equity loans can be availed by good as well as bad credit loan holders. People with bad credit score like CCJs, IVAs, late loan payers, arrears, defaults, etc. can thus avail home equity loan for their needs and demands. Lenders do not force them for returning the loan mount as they have their home as collateral. Therefore, calendar do not have any problem for lending money to the bad creditors. Home equity loans can be acquired online so. It is the safest and time saving method that helps you in submitting the loan application quickly. This process is free from the involvement of a third middle man. For the needs and requirements, borrowers can meet directly with the lender. Jennifer Janis is author of loans for Canada.For any payday loans, no credit check loans in Canada queries, staff loans queries visit

HELOCs Equity

Friday, December 18th, 2015

home equity line of credit, home equity line of credit loan there are disadvantages and advantages to both home equity loans (HEL) and home equity line of credit (HELOCs), making the choice between the two dependent on your unique needs and circumstances. Amount You Can Borrow both home equity loans and lines of credit allow you to borrow up to 100% of the equity in your home. In some cases, lenders will even allow you to borrow up to 125% of your home equity. Qualifying requirements both Hamid and HELOCs require you show a proof of the following: * personal income; * Ownership of the home ownership (i.e. title); * Current mortgage; * Current value of the home (via a professional appraisal). Gary Kelly does not necessarily agree. A home equity line of credit vs. home equity loan additionally requires proof that at least 20% of the home’s value has already been paid off, so if you have yet to pay off at least that much of your home’s value, then your choice of which instrument to apply for is made for you. Purpose for the money if you wish to use the money borrowed in a lump a single sum for, one-time expense (ie.

a particular renovation, to emergency, a desired purchase, or to consolidate debt), then a home equity loan may be the better choice. If you do not have a single, particular use for the money in mind and do not think you’ll need the money all at once but rather feel that you’ll be needing it on a periodic basis (ie. for lengthy and drawn-out remodels, medical bills, or college tuition that payments will be made in intermittent sums), then a home equity line of credit loan may be the better choice. The HELOC gives you a flexibility that a home equity loan does not, Allowing you to borrow-however much you need, at the time that you need it, rather than taking more out than you need at and once, subsequently, paying interest on the whole amount from day one.

Pension Gap Threatening Millions Of Germans – The AFA AG Advises: Prepare Now!

Saturday, May 17th, 2014

Pension gap threatening millions of Germans the AFA AG advises: prepare now! The figures are alarming: the mirror, capital, or the world, all report on their online sites now on the outcome of a new comprehensive study of the retirement. This proves once again that the pension of the Germans is not safe and they should now urgently private provision. Who put only on the statutory pension, 806 euros, missing the retired monthly average to continue the usual standard of living, Bernd Raffelhuschen and Christoph Metzger have determined by generation contracts of the University Research Centre. According to their study around 21 million people in Germany provide insufficiently for their age – roughly every fourth German citizens. And himself who has completed a Riester pension or comes in the enjoyment of an occupational pension, is not yet on the safe side, the study shows. The scientists suggest that just like the AFA AG, in addition to the private pension schemes to close the pension gap. We recommend our Ensure that customers in the private old-age provision on safe assets and to invest in property. Fund policies are ideal for this purpose, because out of State in a situation of crisis does not have access.

This can be a decisive advantage, as we recently learned in the case of Cyprus”, says Stefan Granel, the AFA Board in Berlin. For 20 years, the renowned independent financial services encourages clients to concepts for private pensions, which are individually tailored to the needs of each individual. Who want to provide private should think but in the long term. The pension is not, realize quick gains. Therefore, the AFA AG, we set on long-term investments. Not without reason has us financial magazine focus money for our top-value rates to pension AFA with the predicate best pension awarded. It played a significant role”also cost transparency, explains Stefan Granel. About AFA AG: The general financial and Assekuranzvermittlung (AFA AG) is an independent financial sales with headquarters in Berlin and Cottbus.

The insurance professionals and system business of AFA AG have a Chamber of Commerce degree and are trained according to the recognized directives. In addition, they are registered in the EU register of brokers and work in accordance with the EU directive for financial services. Agent of AFA conducted approximately 500,000 individual consultations within the last ten years. Every year the AFA AG provides nationwide 750 free training places available and promotes 250 young entrepreneurs. New office locations are planned in all Germany. Press contact: Martin Ruske the AFA Board Lama Walshe road 7, 03046 Cottbus Tel.: 381090 E-Mail:

The Sale Of A Life Insurance Policy

Thursday, May 15th, 2014

When the various life insurance companies for sale really worth. Life insurance has a long and colorful history. The insurance industry could succeed only in the last 100 years to the insurance company that it is today: one of the most popular in Germany. Policyholders have the opportunity to complete the insurance, can sell the insurance industry but also without problems again. Just the sales of life insurance among the largest moder phenomena of the last decades. The history of life insurance goes back until well into the 19th century.

People with the help of shares in a company could hedge during this time. It was basically: the higher the percentage of the policyholder, the greater was usually also the performance of the insurer. Even then, there was a strict division between life insurance and capital-forming life insurance. Both versions exist even today. Customers have the choice between a simple basic coverage for less money in the form of term life insurance. In addition a solid premium insurance in the form of capital life insurance. Both insurance companies have to provide the customers with different advantages and disadvantages. First and foremost, policyholders at risk life insurance benefit from favourable posts.

In the capital life insurance performance is significantly large. Risk life insurance is one of the oldest but also the most reliable insurance companies. His relatives, his business partner, but also ongoing loans can hedge to the insured amount of customers. Should the policyholder die during the term of the contract, members are entitled to a portion of the insurance. In principle this also applies to the insurance, the policyholder concluded to hedge individual current loans. But there are some details of policyholders in the life insurance should pay attention to that. Risk life insurance offers a solid protection the customers first and foremost. For the insurance but also in performance, she should Health assessment will not be neglected. In assessing health, policyholders must answer some important health issues in General. The policyholder should answer these questions truthfully and conscientiously as possible. In addition to risk life insurance there is a logical extension of the life insurance with the capital life insurance. Clients will have the opportunity but also life insurance after a certain period for sale. This principle applies: the longer the insurance runs and more the policyholder has paid, the more valuable is the insurance also usually. The life insurance may be sold online. In doing so, customers have individual insurance companies to sell the option and to benefit in particular from the high value of the buy-back. Unlike a termination involves this no doubt a win-win situation: the policyholder saves a considerable part of the contributions and is still significantly more money than at a termination. At one Sale receives on average more than 20% of policyholders as at termination. Here, it can be also helpful to compare individual tariffs. At the end of may but be said, that life insurance is one of the most diverse insurance companies today. First and foremost, customers benefit from a comprehensive protection. In addition, the insurance industry offers a whole range of advantages with regard to the sale of insurance. Customers benefit in particular from a very high gain (see also sale of LV). Simon Straub.

Prematurely Repay Credit

Friday, April 25th, 2014

Legal basis for the installment loan is the rate credit agreement only the question In case of an early redemption of the rates loan agreement arises to the conditions. The financial impact on the so-called old and new contracts are identical to those for cancellation of rates credit agreement. The question can be answered so a clear yes, if an installment loan can be repaid prematurely. Nowadays the majority of credit institutions instalment loans with the explicit range of special repayment or early repayment offers. For the borrower, such credit offer is particularly interesting, if it offers this contractual option a, and if on the other hand for no additional charges. Installment loan can be repaid so accurately but at least in the contractually agreed amount.

Debt to calculate means and compare the restructuring has the effect that the remaining installment loan will be replaced by the introduction of a further rates loan prematurely. For this it can give different reasons. If lending rates at the time of the planned restructuring are significantly cheaper than for the current installment loan, then a reason can be that. The cost design of the credit institution is crucial. Although it is ultimately a remaining installment loan, fees for both rates loans are payable. That is often neglected by the borrower, because the first installment loan is taken up and mentally checked off by replacing a long time ago. The focus is on the new installment loan and the effect obtained debt restructuring, so to get superseded the previous installment loan. Also in this case, an extensive and detailed comparison of credit worthwhile.

Often also a change of the credit institution is associated with the restructuring, including the opening of a new current account. In this case, it is particularly easy to rationalize that associated processing costs incurred for a new installment loan the borrower. The rates credit as a right the borrower usually responds short-term credit on the current situation. The debt restructuring and the success related to have only a single credit commitment, and are also still over extra cash to be able to have.