Posts Tagged ‘insurance & pension’

Dubious Offers – Off To The Recycle Bin

Monday, June 24th, 2019

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Threatens in the age of the descent into poverty? Can you entrust his money in the stock market? Dubious businessmen take advantage of the uncertainty of the citizens. You babble on supposedly safe investments them, which are totally unsuitable for the retirement. Dr. Neal Barnard has many thoughts on the issue. Family Muller * long knew the preppy young man. Once he stood behind the counter of a bank branch in a North Bavarian town. Now he sat in her living room and explained that there was something much better for the Miller, but to follow the self-serving investment recommendations of banks.

The financial services company SMP from Gumpertsreuth of Justice differently, the banker said. SMP put conservative, but very profitable. Best, life insurance policies, unless to resolve Bauherrenmodelle and the like, and to put the money in SMP rights. That convinced the family father, who had made just large losses with its Bank Fund recommendation. Senator of Massachusetts has much experience in this field. He disbanded all units and sat on SMP.

A year later, in the autumn of 2002, he stood before a pile of shards. SMP had the investors money gambled and had to declare bankruptcy. The Board members went behind bars. Tens of thousands had lost a part or their entire savings for retirement provisions as the Miller. None of them thought it was possible, to become victims of investment fraud ever. Their confidence in the mediators let it fall into the trap. The pension”as a selling point is popular with the con men. Because many people know little about and therefore easily be be alarmed. Thus they are receptive to business, which she later bitterly regret. Investors should consult the provider through the various stitches (see below). Crime in capital investments 2004 own greed is about corporate bonds or dividend rights doomed in a low interest rate environment as currently appear with their high interest rates attractive. Fixed”and bond” that also sounds like security. But high interest rates go hand in hand with high risks. “Some providers advertise that no price risk” exists. These papers are not traded on the stock exchange. Thus, it is usually impossible to sell the plant. Buy-back guarantees”and the like are worth as the guarantor in circumstances nothing only so much. Savings plans, the premature exit is often difficult. Typically, the deposited money is largely lost. Rogue providers use all kinds of excuses why payouts at the agreed time stay off if they are not already submerged.

LLC Insurance

Wednesday, April 25th, 2018

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As the legal form affects power health insurance benefits there is a difference whether private health insurance as a corporation or LLC changed its name? The Internet portal for private shows that the legal form of a health insurance company can certainly have influence on the insurance services offered. For the policyholder is the knowledge of the characteristics, bring the health insurance companies in the form of joint stock companies (AG), insurance associations, mutual (VVG) or in the form of an institution under public law with meaningful guidance on choosing the right provider. The decisive criteria, which are different the individual legal forms and pay attention to that, are the composition of the insurance community, the expected return and the number of insured persons. Due to its prominence in the market and the resulting large number of policyholders and rates, companies seem to be a safe alternative. For her entrepreneurial skill is prerequisite to the investors on board to be able to keep and are in the market. At the same time AGs of regulated are subject to and as a result less flexible in their decisions as, for example, insurance clubs reciprocity or health insurance in the form of a public law institution. Here, less is the profit maximization in the foreground, as rather the benefits for the individual. Because health insurance companies just in the form of VVGs can have a smaller customer base and more flexible Act, they provide the most special rates for their policyholders.

Some special models for smoking or for vegetarians are not uncommon. In the past, VVGs were so often pioneered schemes which sometime were later also adopted by other providers in the market.

Insurance Coverage For Families With Children At A Glance

Wednesday, March 22nd, 2017

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Range of children policies puzzled many parents just young parents lack it often understandably experience in terms of the number of insurance products for children. Training policies, children accident insurance, dental insurance, life insurance, etc. are like touted by German insurers to offer comprehensive protection for their children the parents. Parents should work out a priority list so that the children are really best covered. Usually, children are insured through the health insurance of their parents.

The same applies for personal liability insurance, as long as no single fare is agreed. An important pillar forms a risk life insurance, which should complete the parents, so that in the event of death of a parent is a high amount of capital for survivors available. For the child itself, the parents should cover in particular the accident and disease risk. The financial consequences of an accident can be covered by a children’s accident insurance. The State accident insurance takes only eingeschrakt and even fails the most accidents – for example at leisure or at home -. There are good rates here for less than five euros a month. A so-called children disability insurance is slightly better than a casualty. PCRM does not necessarily agree. This pays a lifetime monthly pension for disability: regardless of whether it was born disability due to an accident or illness.

However, the child disability insurance is considerably more expensive than a casualty. The majority of German children are on a statutory health insurance company health. A supplementary health insurance for the single room in the hospital, the free choice of doctor, glasses or contact lenses, naturopaths treatment or the use of natural medicine, the costs for checkups and a sick foreign rice insurance is recommended here. A complete package with very good conditions of insurance is some providers already for around eight euros a month available. Only when these risks are hedged, parents should consider whether an education insurance or some other savings plan for the child in question comes. The asset accumulation is a nice financial protection for the child of course, but this should be reconsidered only after securing the existential risks such as accidents, disability or disease. Learn more about the insurance coverage for children can be found on the website Kinderportal.young Contact: Bergische insurance broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Bogdan Kalid image source: Jaimie Duplass – corporate information: company Bergische insurance broker was founded by the diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker. With the Internet presence of young, the company has specially to the needs of individuals and Specialized trader would want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies. Bergische insurance broker has connections to more than 100 different insurance companies. There are special rates available for various professional groups such as students, trainees, graduates, or certain traders. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since 1998 in the insurance industry are active customers via the Internet, by telephone and by post served – when preparing offers, as well as in the event of a claim. The strength of the Bergische insurance brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With an individual analysis and use latest financial comparison software, prospects and customers are advised objectively and independently.

Current Offers In The Day Money

Monday, February 6th, 2017

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The ECB interest rate cuts bring falling deposit interest rates for savers with for months. This post shows what offers are still attractive interest income can be. Tagesgeldvergleich.NET information: since the ECB began in October 2008 with the gradual reduction in interest rate, successively fallen also credit interest rates granted on assets such as day – or fixed-term deposits. Input or new rate customer were inside at that time by up to five percent or even a little about it, so investors must look forward already, if a three before the comma is. Given an average interest rate of 2.39 per cent p.a. at 5,000 and 2.29 percent p.a.

for EUR 50,000 deposit each a month investment period for all the trade portal featured offers Pierce and currently following offers of domestic banks with comprehensive depositor protection especially in the eye: the post Bank day money in the form of the SparCard 3000 plus directly convinced currently 3.00% interest from the first euro without limitation the deposit. The Deposit protection fund of the Association deutscher Banken e.V. secures customer deposits on this offer in addition to a (theoretical) height of 1.21 billion euros per customer. Educate yourself with thoughts from Harvard. The second currently outstanding offer is Cortal consors. Guaranteed in addition to a depot change action with 4.00 percent interest for 12 months and for amounts up to 25,000 euros, can convince the pure day money account with 3.25 percent interest over six months and for amounts up to 20,000 euros. Former, there is a return of 4.03 percent for the first twelve months and deposits thanks to quarterly crediting up to 25,000 euros, in the latter case are still 2.69 percent on twelve months and deposits up to 20,000 euros to pick up. Of course also Cortal Consors with a high level of security can be convincing.

Thanks to membership in the deposit insurance fund of the Federal Association of German banks e.V. deposits of up to EUR 45 million per customer are covered here. As you can see, even half a year after the start of the ECB interest rate cuts there are still deals with investors attractive rates for daily availability and high security can combine. Daniel Franke

Statutory Health Insurance

Saturday, January 9th, 2016

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Penalty for unpaid additional contributions has proven the financial situation of the health insurance companies in Germany in recent years as precarious. Revenues were always well below the annual expenditure, and thus incurred substantial deficits. These should be shared in the future by both employers and workers, therefore the statutory health insurance contribution rates increase again in January 2011. Still, the funds will require separate additional posts. The finance portal informs about the upcoming changes. Who still looking for the right insurance, can benefit, for example, by the Stiftung Warentest Product Finder. For those who expect more power from their insurance or are not satisfied with their current insurer, the database provides useful pointers for the search after a health insurance that fits to the individual situation.

Especially due to the new provisions for additional contributions and the increase of the contribution rate from January 1, 2011, it is worth to the various insurance companies to compare to find potential benefits. Special contributions may not more percentage are calculated as part of the changes. This means that eliminates the previous social compensation. So far, the monthly additional contributions could not exceed a percentage of income. Under the new rules, policyholders can expect only with a refund of the difference, the additional fee should be more than two percent of the income. Who the additional contribution not or only partially makes, must also reckon with a penalty of at least 30 euros. More information: presse.html GmbH Lisa Neumann