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 krankenversicherung.de 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.

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 geld.de 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 GELD.de GmbH Lisa Neumann