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Hamburg Accounts

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Testsieger.de compares money market accounts of 24 banks Hamburg, December 20, 2011 money market accounts enjoy increasing popularity. The banks offer their customers a low risk investment opportunity that promises great flexibility at the same time attractive interest rates in the ideal case. Because whoever puts his money on low-interest accounts, giving away money. But not all day money offers are equally good. Although the most important criterion is still the return of service should however also not neglected.

In December 2011, Testsieger.de has tested 24 money market accounts. “The result: test winner is the overall winner due to excellent service, the extra account of ING-DiBa with the note 1,47. Contact information is here: Nieman Foundation. secures Germany’s best day money account of convincing notes relating to product” perfectly complemented. As the only provider in the test the ING-DiBa achieved the overall rating therefore very well”. “The Bank was ranked the second of Scotland (well” touch 1.56): the day money account stands out in particular in the area of product “and can there be 1.30 the other competitors places reference part touch.

From total the differences between tested 24 day accounts are comparatively low, just an offer cuts satisfactorily”. VTB Bank with the highest yield the highest annual yield in the test scenario offered the VTB Bank. The young German market Bank convinces with an interest rate very attractive 2.7% p.a., which is paid quarterly. Continue to learn more with: Dr. Neal Barnard. Received in addition a bonus during the test period for each new customer by 40. Customer service, VTB Bank but leaves some points and must settle therefore overall sixth place. Services make all the difference while the tested money market accounts are relatively close to each other in their conditions, serious differences show up at the service. Only the winner of ING-DiBa achieved very well the note”(1.05) for customer care and thereby significantly differentiates itself from the competition. “Only seven more will be at the service with good” rated. Who his bank wants to reach by phone, comes with four banks on deaf ears: these were not available within the specified hotline times during the test period. “The E-Mail contact even eight vendors not come across a poor” out. “The with good ‘ rated banks however, impressively extended opening hours and expert advice. More information and results see: studies on Testsieger.de: the testwinner Portal AG operates a neutral and independent marketplace with integrated price comparison with Testsieger.de. Free numerous reviews and buyer reviews available to consumers. For each product, an own overall rating is calculated from all present test reports and over 500,000 buyer opinions: the Testsieger.de touch marks the winner the best assessment of the key product per category. A market place and a price comparison are related to product evaluation. With Testsieger.de consumers can quickly, safely, and easily the best products to the buy cheap price.

The Gothaer PKV And Your Promises

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How to customers and brokers for stupid sell – aid guarantee In the of August 28, 2009 (Permalink) I reported the Gothaer resource management my blog post about a positive innovation. Here you wrote the agents you could its “Optimize consultant liability”, because you do so much more than the aid referred to in the terms and conditions. You will find here the relevant annex to this mail. That looks well, I thought to myself and this told a customer insured at the Gothaer. They asked me so that it is documented right sure to inform it should be documented in the police or at least legally binding the Gothaer. So far so good.

You will find here the letter with the request. Details can be found by clicking Boy Scouts of America or emailing the administrator. Then, I had an interesting conversation with a very nice and competent staff of the headquarters about this issue and asked for more information. The result was unfortunately less amusing. I was told that these “extra” tools are not so calculated, you cannot afford this phone konneund it therefore not be can the appropriate information into the police come or be documented legally binding compared to the insured. What??? Because an insurer writes “his” intermediary how great he is, and is a resource guarantee down to “optimize” the consultant liability and then so what? What can a customer or intermediary believe yet? After a conversation with my client, which was very surprised, I asked the insurer again for a written clarification of the understanding. Then, I received a letter with the following text.

From my point of view, a company with such business practices themselves disqualified. Of course, you could go there and paid a prospectus liability lawsuit a tool to win, but seriously. Under, I needed a tool with a higher five-digit euro sum, I thought it would pay according to the warranty. Click Boy Scouts of America to learn more. How likely is it then, that I am financially and even able to deny such a suit way and if so, then when can I get it??? Now who claim the insurer does come back definitely. Now but has the Federal Supreme Court (case No. IV ZR 29/03) on 19 05 2004 decided that such a list of tools finally is already. (Link to the judgment) Touch we together: 1) a private health insurer declares to the broker with a brochure he is great and makes tools guaranteeing more than is in the conditions. 2.) then the customer would like to have declared binding it and the insurer says “Nope, we don’t make is Yes not calculated” 3) … and confirms in writing the tool referred to in condition factory Finally you are more do no word from the warranty and your insurance protection a favor. Believe only that which is governed by the terms and conditions of the insurance cover. Made get – forget about what you think of the prospectus or great stories there!

Build Coin Assets

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Back in fashion – in precious metals in the form of coins investing! Back in fashion – in precious metals in the form of coins investing! Nowadays a wide range of possibilities can be find and meet as capital investment, should investors look around for potential opportunities not only in the area of financial markets, but also coins made of precious metals as a very lucrative and attractive form of investment considered pulling. To consider coins as an investment is currently not only in fashion and as a topic in swing, but today again reached the popularity of yesteryear in which gold and silver coins were ever choice for own retirement or the accumulation of assets. Profit provides the right choice of course always a close look should be directed on the offer when buying corresponding coins. If you have additional questions, you may want to visit PCRM. There are great-looking silver and gold coins from around the world to Hakeem, but is the authoring the number for a capital investment not the appearance of important, but rather Embossing, the motif or but also the material from which the appropriate coins were minted. Your Diabetes to increase your knowledge. A focus on current trends and trends in the market can be found in some Internet coin forum or in corresponding Munzkatalogen, which represent the value of single, well-known coin and represent. Of course, it can be worth noting as a rule of thumb, that gold and silver is very popular as a material for coins, perfect conditions for a positive development of the coin in the future but, for example, a minimum number of coins. Coins in the right place to buy to buy bullion coins as an investment, requires some skill of course also in the shopping. When selecting the places of purchase are not only regional coin dealers to choose from, but also auctions, coin dealer on the Internet such as for example anlagemuenzen.de with his gold and silver coins or but auctions of shops can be quite very good opportunities matching Coins to purchase good conditions.

The less expensive coins are acquired, the better suited due to the good base as an investment. In the places of purchase of course also for the sale of own coins suitable, even if some have to be considered. Involves order imprints of a series, so the value of individual coins above all can be increased again extremely this, that it exists completely, what collectors all over the world in their calculus course plays and get the attention this can be. A very interesting option is certainly to see coins as an investment. With some a few rules of thumb best opportunities to be able to get a hold of valuable coins, which will certainly achieve a significant increase in value over the course of time will arise even for novices in this profession.

Provision For Women More Important Than Ever

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The private old-age provision from the point of view of the female sex difference between women and men on the statutory pension is not reliable. This is arrived at to most citizens. Also and especially women need to note here that there is a high supply gap within the framework of financial provision for old age in most cases. Women receive less pension than men from the State average. There are 495 in West Germany compared to the average pension of 987 for men. Why is there a difference? Mostly this is due to the significantly lower number of insurance years, which will be applied in the framework of the State pension.

So include longer job breaks due to child-rearing grds. not to the beneficiary insurance years. In the context of child-rearing periods is however to note that for all the children who were born from 1992 onwards three years contribution period can be counted. The average income is based here. There is only a year contribution period for children born before 1992. Even the employment a part-time job can reduce the claims arising from the statutory pension. For other opinions and approaches, find out what Nieman Foundation has to say.

The second factor in the significantly lower supply of women is that they get about 22 percent less content on average in their professional lives. Because the acquired rights are directly related to the income level. There are different ways how women can fill their gap through a private pension. A pension plan comparison by an expert is advisable here. There are special care products for women? No, women can use any forms of private pension schemes as men. The Riester pension belongs to the best-known form of private pension schemes. It can be used by persons in an employment relationship, because they belong to the Group of eligible persons. There is an allowance by the State and at the beginning of retirement up to 30% of the savings capital can be found. However, this form also has limitations. So during the accumulation phase, no capitalization of capital without this Government subsidies pay back to need possible. The private pension insurance is more flexible in this respect. The contributions to this form of private pension schemes first non State-promoted, which makes prevention very flexible. But then, a large part of the pension is tax-free in the retirement. What form of private pension schemes to a fit comparison must be tested in each individual case within the framework of a consultation and a pension plan, in detail together with a pension expert. It is certain: formerly started saving for retirement, the higher the subsequent retirement from the additional protection is then also in relative terms.

Rurup Riester Pensions

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Just go to the chaos in the pension Portal jungle the Rurup pension has many advantages. More and more freelancers and self-employed persons take advantage of this private old-age provision. Tax incentives give first and foremost the appropriate incentives and by the way even more money for the age is set back. The advantages of Rurup pension are clearly obvious: They are flexible with the choice of contribution payment. No matter, whether as a monthly or annual contribution or even as special payment, as long as you get a fixed maximum amount, to make very flexible contributions. The Rurup pension funded with tax benefits. Only the posts must be taxed in the payout phase. As but rather low fails the taxation of retirement age, the tax advantage used in advance is only slightly reduced.

Another advantage of the Rurup pension is the guarantee of a lifelong pension payment. Thus, a fixed income in the age is secured and can the evening of life without financial worries be denied. The Rurup pension certainly Hartz IV. In the event of unemployment or during insolvency proceedings the savings capital of pension may not be seized. The pension is still secured.

The withdrawal start of the Rurup pension can be set flexibly. Depending on the entry in retirement you can set, when, the payout of the Rurup pension should begin. The only condition: the 60.Lebensjahr must be completed. The exact beginning of pension payments will be laid down in advance in the Rurup contract, can be moved but afterwards again. A next advantage manifests itself in the protection of survivors in case of death. An additional protection for the nationals can be integrated into the Treaty. In this way, the savings capital of the Rurup do not expire pension in case of death. Spouse or children who are entitled to child benefit, then receive financial assistance through a regular disbursement of the savings amount.

Essential Insurance Protection

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Every homeowner should have a properly equipped homeowners insurance exactly what is meant by a homeowners insurance and what kind of real estate can this form of insurance be completed? Homeowners insurance is a general insurance, which belongs to the insurance form of building insurance, which is divided into two different forms, one commercial building insurance and homeowners insurance of. A distinction is made in the respective building insurance form especially the applicability. Requirement for graduating from the homeowners insurance is that to live useful purposes the area share amounts to at least 50 percent. This matter especially when mixed-use real estate a, if a housing units and on the other hand, for example, in the ground-floor level offices, shops, one commercial units, for a larger real estate, in the buildings to be insured or gastronimsche businesses and serving flats located in the above floors to the lodging and accommodation of people. In situations of building the commercial floor space proportion exceeded 50 percent, the commercial building insurance is necessary. Typically, a homeowners insurance as a so-called connected homeowners insurance is completed. For more information see this site: Jo Mackness . This means that the three types of insurance, fire insurance, insurance of the tap water, and storm – and hail insurance in an insurance contract are connected in the form of this contract. Following dangerous bubbles and risks are hedged by these three types of insurance, any damage, fire insurance fire insurance secured, which damage the insured buildings and of building elements either by fire, lightning, explosions and implosions, as well as the impact or the crash of manned aircraft, destroy or get lost.

Tap water insurance covers the insurance of tap water all damage inside and outside of the insured building arising as a result of the effects of frost, for example, breakage of water lines inside of the building, as well as supply and sewer pipes outside the building. Windstorm and hail insurance In the insurance coverage of the storm and hail insurance be secured all damages, which in a storm event with a maximum wind speed of 8, as well as hail precipitation occurred. For example, a tree is twisted by the gales and damaged parts of the facade of the House, or other building components. All damage caused by so-called acts of God, such as, for example, scree or snow avalanches, earthquakes, Earth cuts and landslide, volcanic eruptions, as well flood are excluded from the insurance coverage of homeowners insurance. To cover these risks, the residential insurers provide an additional police in the form of “elemental damage insurance”. To what extent the degree of such additional Elemtarschadenversicherung is useful, is located on the respective region in which resides, for example, mountain regions, the buildings to be insured, or Riverside. Due to the low cost (these are usually around 50 euro), which are connected with the additional protection of elemental, it is generally useful to include these in the homeowners insurance.

Sofortrentenversicherung: That Speaks To The Conclusion

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The reasons for concluding that pension insurance against one-time payment the big difference of the Sofortrentenversicheurng to the private pension insurance, as most know it: Instead of regularly to be save the contract, you pay once a fixed amount in the contract. The pension insurance undertakes in return to pay you off a lifelong pension. The saving will be deposited so, that last a lifetime a secure pension is payable, which may rise by additional surpluses and ensures a return commensurate with the security at the best sellers. A pension guarantee period is possible: in the case of the pension for an agreed period of usually 5 to 10 years will be paid even if the insured person has already died: so can provide at the same time the family or partner. The big advantage compared to Banksparplanen: A Sofortrente is safe for life.

Unlike as with the sampling plan it cannot you happen, that the capital is consumed at some point and you can treat yourself no more pension. Enjoy tax benefits tax is a Sofortrente. You must pay tax on only the low income portion of the pension age. It is a retirement age 65 only 18%. Further details can be found at Dr. Neal Barnard, an internet resource. In other words: in a personal tax rate of 30% go of 1,000 euro Sofortrente just 54 euros to the tax authorities. Another plus: If you create capital in the age, to it on their own to pay a pension, you have to pay 25% tax on the investment income year after year.

To avoid this tax at a Sofortrentenversicherung, because only the paid pensions with the small amount of income is taxed. You get wish you the Sofortrentenversicherung as Rurup pension a State promotion closed, secure themselves a rich more. Because you can claim then tax payment up to saleable maximum of 20,000 euro and 40,000 euro (single/married couples). Currently, so a tax bonus of up to 12,000 euros can be secure. For this you need the lifelong Taxable pension but with a higher rate, which currently stands at 62%. But it is important that you get a really good insurance: for a Sofortrentenversicherung, use this calculator to get the best deals. Thus, you back up a Rentenplus that can amount to several thousand euros. Different variants to choose the pension insurance against a one-off payment are 3 options available. First of all the constant pension. Here it is agreed that the pension is permanently stable and no longer increases. Traps can, however, already, namely the generated surpluses no longer sufficient to keep the pension level of previous years. Different dynamic pensions: when an once reached pension sum must no longer fall below, get the pension of generated surpluses does.

Honorary Advice

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Even Beethoven was annoyed over lost penny and that has not changed to this day. “Honorary consulting: search for hidden Dimes” is just as meaningful as true title of small documentation fee consultant Frank Fawzi, who has just gone at the start. The honorary consulting ekes out until now completely unjustified rather a niche existence, although it national politics (the profession of the honorary consultant will be in the next few weeks legislated) and even EU (the European Commission plans to introduce a Europe-wide ban on commissions for free financial intermediaries from 2014) is recognized widely as the better quality advice method. Said documentation by Frank Fawzi takes this issue aim and what does the honorary Advisory and shows how it is positioned compared to the conventional advice of the Commission, which is often found in banks in a simplified, but no less impressive little film. Whenever Physicians Committee for Responsible Medicine listens, a sympathetic response will follow. The experienced Honorary Advisor on the use of modern media, thus laying emphasis to address in particular the declared target audience of younger people. Because the sensible and responsible dealing with the own finances is the basis for the later prosperity during the occupation and the age, and with this in mind you can start little early enough, to deal with these issues honorary consulting opportunities in financial issues all, wishing the consumer from such advice: she’s absolutely objective in their judgment, it is geared to the individual requirements of the customers, and it is not driven by the interest of an agent at a highest possible Commission payment. So you can be sure as a customer to get a professional advice that actually deserves this designation.

Unlike one it often Commission-driven advice experienced, actually consumer the honorary consulting and concept-oriented, so as the professional Codex of independent financial advisors actually prescribes it. With regard to the fee you have to by the way not to worry: it is agreed between the customer and the consultant, in hindsight not so there are surprises.

Statutory Health Insurance Fund

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Back up 150.00 of your insurance company millions of U.S. citizens have the same problem. You are legally covered by medical insurance and fret about poor performance, repelling doctors, high co-payments, from next year on increasing contributions and not least through additional contributions that different fall out. The legal services of a health insurance company are laid down to 98%, only 2% offer scope for articles of association rules and thus not connected rare opportunities, members to convince that they are but the best health insurance in Germany health insurance. So bonus models offered by a variety of health insurance companies, whose meaning seems to which the insured person as often as possible to the doctor to send or to various courses or spas, to collect as many points and they later convert into cash. Problem: Who has the time to take advantage of these opportunities and – not least – if you look through the programs of the individual funds.

Ultimately you get maximum 100.00 up 120.00 if you perform all visits by the health insurance fund and courses. See more detailed opinions by reading what BSA offers on the topic.. Also, low-cost supplementary health insurance are propagated. But be careful: the supplementary insurance plans are linked to the membership. Change the health insurance, losing the extra insurance. For this reason, our recommendation to complete a supplementary insurance on health insurance never even if these 0.20 per month is cheaper, is directly at the company.

Compare worthwhile here. Usually, the frame rates of health insurance are often even worse than the regular fare of the society. Who would have it easy, the BKK Palatinate is advisable the. This requires that he once per year to the doctor and dentist is insured to perform the screening, and to date is the vaccination status, what should be actually also in their own interest.

Private Dental Insurance

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With a private tooth insurance to protect himself from suddenly costs who ever had tooth pain know how bad this is. It wants only one thing: stop the toothache! Costs, bureaucracy and insurance are secondary at this moment for the first time. Boy Scouts of America pursues this goal as well. But the pain is resolved only then often follows a rude awakening. The cost of a dental visit, if it is not just a routine visit, can be quite substantial. Never mind, it’s Yes the health insurance, thinks concentration. Many people do not know that is saved in the dental sector in health insurance. Many costs are not or only partly applied, or you have the choice between a really good treatment, you must pay, or less good treatment, which would take over the health insurance fund.

Many had to pay the surcharge and ranting on the sickness fund. To prevent such conflicts from the outset, many health insurance companies offer therefore a private dental insurance for additional dental protection on. Assume the additional cost in such cases wholly or in part, so that in combination with the normal health insurance treatment affordable. There are private dental insurance often for low monthly amounts. You get many dental protection insurance euro for 5-10 per month, depending on which services are included. The additional services of private dental insurance make sense for many people and it can distribute long-term high costs of dental treatment with small monthly amounts.

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