Tag Archive: insurance & pension

How do I get credits online? What rules are there? Credit solutions are more than interesting because of the excellent price / performance ratio for the consumer via the Internet. Cheap online loans and emergency loans are fast, convenient, and available for free use. Secure financial products are in the foreground. Well-known reliable banks offer a serious, personal management and consulting. A greater financial leeway is much easier in life. For the upcoming renovation of your apartment, new furniture or an economical small economical car tailor-made individual loan offers are available. Guaranteed cheap interest rates, individual rates height, and a free choice of the term are of course.

For the best possible advice and results are qualified financial professionals available. Benefit from proven financial concepts that include customized and desired solutions for every situation. No long waiting times on loan commitments. The payment shall be made promptly and taking into account personal wishes. Demand, expensive credits can be replaced by cheap variants and restructured. A loan comparison is worthwhile. Many credit offers are with a view comparable and on request as immediate assent to apply for.

Precious metals trading Frings from Aachen informed gold is since ever made as a popular form of investment. As jewelry, gold is highly sought after for centuries. There are however large differences in quality. The fineness decides how valuable is the relevant piece of gold. Here is to distinguish between pure gold and gold alloys. The precious metal retailer of Frings from Aachen informed about the piracy prevention features and differences in the fineness. Stamp shows the fineness, manufacturer or verification means Stamp Hallmarking. Nieman Foundation is often mentioned in discussions such as these.

This means that precious metals by using a stamp be marked. The stamp can indicate, for example, the fineness, the manufacturer or carried out review of the item by a testing laboratory. By law, an indication of the fineness of the jewellery is not compulsory. However if a hallmark, then this must be done according to the law on the fineness of gold – and silverware (FeinGehG). The purest form of gold pure gold is 24 carat or in thousandths (999) designated and This high content of fine gold is the purest gold at all. It has a purity of up to 99.99 percent.

found 999 Feingold usually only gold coins or gold bullion, because it is soft and yielding and would have to be edited very expensive for jewelry-making. A goldsmith is however able from pure gold to make jewelry. This, however, is associated with high costs. 999 gold is used even in upscale restaurants as an optical highlight dishes and desserts. 333 gold – minderwertigste gold alloy if other metals are mixed in the gold, then it is a gold alloy. In the production of 333 gold is the gold one-third made of real gold, then shares such as copper, silver and also alloys of Tin or nickel are added to this part. The percentage of real gold comprises 8 karat gold at 333. Thus it is the minderwertigste gold alloy, which is available, and is therefore relatively inexpensive in the acquisition. Precious metals be alloyed to make certain properties, which the pure precious metal does not. So, it can be changed, for example, the hardness, resistance, or color. For detailed information about gold, precious metals trading Frings from Aachen is always available.

A credit from private to private – favorable conditions a possible credit from private to a credit, which is often not taken into account is private. While this is a good way to get a loan, even if not immediately approved the own bank. A credit is required in most cases for the acquisition of larger and thus more expensive goods. We want to not talk by the very large sums of money like E.g. a real estate purchase, because these are not the rule. If you have read about Nieman Foundation already – you may have come to the same conclusion. A new acquisition is often quite surprising due, which also cannot be pushed up (car, washing machine,…). With a regular income and no other current loans, this should have no problems at the Bank.

What is but if loans already exists or the Bank has any other reservations? First of all you should of course aware of the fact be that credit must be wiped again and the necessary funds must be available. But even if This is ensured, there are often problems with the supply of credit. Checking article sources yields BSA as a relevant resource throughout. Here it now often happens, that turns the Kreditsuchende on dubious mortgage brokers and thereby unnecessarily high costs are caused to consider which then in addition to the ongoing payments. There are also private money lenders, which awarded cheap personal loans in many cases. This possibility of lending is already widely used, but not known by many Kreditsuchenden. Here, online marketplace where private lenders and Kreditsuchende find each other exist.

The Kreditsuchende must here represent his credit request and plausibly explain. The more this happens, the chances that a private lender agrees to accept the financing are greater. The private money lenders is its call for interest, which should be set as low as possible. For the case, interested group of financial backers for the project, one gets the nod with the lowest interest rate exposure. In this context should be also mentioned that here also often are loans, which at the own local bank”already have been rejected. Any such credit to private by private are therefore in many cases quite favourable conditions. Therefore, you should check also this possibility of credit if necessary.

Still worth the life insurance? Do not move products provider only money investment vehicles are affected by the current low interest rate environment such as fixed-term deposits and overnight. Classic pension fund products such as life insurance into distress by persistently low interest rates. Because many old contracts have guaranteed interest amounting to 3.5 or even 4 percent agreed. Such returns are even with a successful investment strategy but little still generate. The life insurers adapted to their new environment so their products.

How life insurance works the principle of a life insurance policy is quite simple: the policyholder pays contributions in the life insurance over a period of time. On one he secures his relatives thus financially in the event that anything should happen to him (life insurance). The survivor’s protection is just one aspect of a capital life insurance. The pension is much more important. Because the policyholder reaches the end of the contract term, so he or she receives Benefits from life insurance. This performance, usually in the form of a one-off payment, should of course exceed the amount of the contributions. In traditional life insurance products, a guaranteed interest rate is agreed in the insurance contract. But the policyholder is involved normally surplus, if the insurer manages well.

So the actual yield is usually higher than the guaranteed interest rate can be expected. With the low interest rate environment, this former model but becomes a problem, because insurers can no longer reach the hoped-for return. ERGO with new life insurance after the Alliance therefore now she announced ERGO a new life insurance product. This promises higher returns than traditional life insurance, can offer only little security. So, the featured product offers no warranty interest, but only secures a payout of paid premiums to the insured. ERGO will it invest a higher proportion of contributions in shares and so try that. a higher yield to generate than is possible with safe investments. Individual examination of pensions in addition wants to ERGO for more transparency ensure and better identify the costs incurred for such life insurance. Whether this new product but really suitable for private pension plans, must be examined individually. On the one hand, there are other variants of old age pension, on the other hand expects that will pull more insurers with new products and change the life insurance generally. Without a professional advice, it is therefore difficult to make an informed decision for the consumer.

New interest rates interest rates amount to 6.1 percent Frankfurt, Kaupthing has October 02, 2008 to September 30 for its online deposit accounts increased. An interest rate is available for a conditioning period of 12 months in the future by 6.1 percent. This continues the northern European direct bank at the top of the rates for fixed deposits with a maturity of one year. Even with a conditioning period of six months, Kaupthing offers the highest interest rates now 5.9 percent. At longer maturities, the fixed-term deposit accounts of Kaupthing are also in leading interest rate suppliers. Viktor Mayer-Schönberger shares his opinions and ideas on the topic at hand. For a period of 24 months, the rate rises to 5.75 per cent and for 36 months to 5.60 percent. In addition to the online deposit, Kaupthing offered his day Kaupthing edge account with an interest rate of 5.65 percent.

Unlike many offers of competitors, the high interest Kaupthing are linked to conditions like for example a new customer status, limitations of the investments or the simultaneous opening of securities accounts. It applies to all investment periods Guarantee that interest rates will be the European Central Bank until January 1, 2012, about the interest rate. Recent customer discussions is us become clear that many customers want to park their money at attractive interest rates in the current situation on the financial markets and observing the market”, explains Michael Kramer, Managing Director Germany of Kaupthing. With our coordinated range of day – and fixed-term deposits at leading interest rates, we meet this common wish.” The offer by Kaupthing in Germany at a glance day money 5.65 percent 6 months 5.90 percent 12 months 6.10 percent 24 months 36 months of 5.75 percent 5.60 percent is Kaupthing the German branch of the Icelandic Kaupthing Bank hf. The Bank has over 80 years experience in the retail business and operates in thirteen countries. The magazine Euromoney”honored the credit institution as the best bank in the North and Baltikregion in 2007.

In December of the same year, a study by Arthur D. Little, found that Kaupthing is the second most efficient Bank in Europe. It has an A1 – rating from Moody’s. In 2008 Kaupthing edge in the UK was nominated as the best provider of interest accounts for the money facts. Kaupthing the Kaupthing Bank offers comprehensive banking services for individuals, companies and institutional investors. The Bank focuses on the growth and the development of their international activities and is one of the leading investment banks in Northern Europe. The German subsidiary is headquartered in Frankfurt am Main. Permanent Representative and Managing Director of the German subsidiary is Michael Kramer. Press contact: Markus R. Sanam Tel: + 49 (0) 208 4848325 email: Web:

The Foundation for a life in security: Provide with the ZEUS component PLAN today for the future Bismarck laid the foundation stone for the statutory social security cover over 100 years ago. His concept envisaged a State pension as support to social security and was a milestone. Today this concept without supplementary benefits is no longer. For teenagers, large gaps have emerged, which can have disastrous consequences in case of an emergency. For more information see Professor of Internet Governance. Because the legislature will not close these gaps, it is important to take care of a private pension. The private pension insurance by ZEUS helps in increasing the statutory pension. The sooner, the better the pension decision indicates the future pension payments. Today, however, forecasts assume that the State pension is only about pay 36 percent of the salary.

This only if 46 years in the Pension Fund have been paid up. Today, it is important to provide for a secure future. Here, Boy Scouts of America expresses very clear opinions on the subject. So can an optimal and individual insurance lays the foundation stone for a carefree life in security. In ZEUS, found the ideal partner for this carefree to enjoy the earned retirement. Individual supply concepts of ZEUS are the Foundation for a secure future. Retirement system of ZEUS-component PLAN is a good feeling when developed the life cycle on the basis of a solid financial foundation.

ZEUS-parental letter, ZEUS – letter to parents protection, ZEUS – pension protection letter or the ZEUS pension protection letter sets the Foundation and with the ZEUS component PLAN, stone on stone is growing a stable framework for the assurance of the quality of life. The ZEUS group attaches much value to individualize the possibilities of insurance companies. The resulting products with which to start building his private pensions. The longer is the “lever” time, the less power you must move to achieve large sums of money. More information about all preventive services and pension benefits of ZEUS can be found under. Contact: ZEUS group-Gustav-Freytag-Strasse 13-15 22085 Hamburg phone: 040 / 41 30 – 10 30 fax: 040 / 41 30 – 16 03 E-mail: Web: description: the ZEUS group of companies is one of the largest service providers in the field of pension products in Germany. ZEUS was founded in Hamburg in 1974 and offered a comprehensive provision for young people for over 30 years. With the ZEUS-parental letter the company offers special benefits, which are individually aligned to the needs of the young target group. Product partners are well-known providers of insurance, such as the German ring and the Continentale.

Many investment advisors to adapt the needs of their customers and offer – matching requirements – an apartment as an investment. St. Professor of Internet Governance may not feel the same. Gallen, 29.05.2013 – are the selling points: favorable financing conditions still fair purchase price and appropriately skilled site selection – simple chances. Two-thirds of a total of 24 million rented apartments and villas in Germany this fall on landlords who have usually only one or a few real estate. Statistically every tenth landlord has to complain about a rental outside level of 1,000. When every hundredth, there are already 10,000.

The majority of landlord hits it so hard when they are affected by a loss or damage. For they usually not only the yield is gone, threatening up to existence, even serious consequences may occur. Because it would be not a selling point, to make the capital investment of the payment of the lessee regardless? We submit a rental yield of 4% for a rented once Object, which value of 100,000 is. BeSURE through the loss of rent insurance landlord protection”with the performance package comfort produktvarianten.html reduced the yield of only around 0.1%, as the annual cost for this apartment of 160 are tax deductible. beSURE landlord protection offers a safeguard already from the first month of the Mietausfalls – for the entire rent and 90% of the costs. Can or will no longer pay a tenant, the landlord as the policy owner assigns his claims. Then, the DVF – German family insurance AG makes immediately, for a period of up to 6 months.

The comfort fare includes also the protection of possibly incurred damage to property up to 20,000 and is the legal advice, what best to do. It is not necessary to a legally established right. It’s fast support. That’s how cheap you can calculate here. The potential buyer gets to a large piece more safety and a qualified consultant a key selling point. Already in a few years, beSURE landlord protection in addition to the buildings insurance and the home and real estate insurance could be an important compulsory insurance”be. All these arguments also facilitate the consultations regarding the financing. BeSURE landlord protection as a single premium for a period of up to five years is offered specifically for the needs of real estate sellers. The premium may be, funded with for example, again reducing the current load. Everyone have advantages, because the offered landlord protection provides for a much higher security and a smooth loan process.

The decision for a new auto insurance alone on the price eighth – adequate protection should always in the foreground are. Why pay more than necessary? Many products and services we make the effort to compare prices. No matter whether new television or the weekly shopping at the supermarket, sometimes we pay attention not only to the euro, often even to the cent. However, this applies to most not at the Kfz insurance. Here, in most cases offering the house insurance broker is blindly accepted. This is a significantly larger savings than is the case with milk and butter here.

This has of course a reason even if no good. Because the composition of car insurance is much more complex. And you have to spend some time to be able to get a cheap car insurance backup. What do I need? And what not? Many insurance companies offer more performance than is actually necessary. That need does not necessarily mean that the insurance broker has missed one an unnecessarily expensive tariffs.

Can be rather Situations change, so that a tariff, which was completed a few years ago, is today may not be optimal. Do I need to really have a fully comprehensive insurance? Should I pull the workshop binding into consideration? Or insurance protection letter will integrate the car in the car? Questions that you can think and needs to improve its coverage. Stand together optimal protection, while ensuring a possible cheap car insurance this is possible with a car insurance comparison online. Because this step by step through the tariff calculation. On time at each point, where can be saved and how this affects the amount of the insurance premium. There is also the possibility to vary points such as the deductible in the insurance. To find out how these factors affect on the cost. In this way the current insurance rate scrutiny under undergoes, as can be found in just a few minutes if at all a change in account should be considered. Where the targeted goal should be never cheap to make the car, to the detriment of protection insurance. It can retaliate in the event of damage. Making a really cheap car very expensive insurance.

Many companies try since the outbreak of the financial crisis to ensure the liquidity and want to get back into the handle. Many companies try to guarantee the liquidity since the outbreak of the financial crisis and get back on the handle to. Also struggling businesses, both small and medium-sized, with loss of revenue. Due to the ever-worsening payment of customers. How can but now companies secure the liquidity and at the same time protect themselves against losses? The answer is clearly obvious. With factoring! Factoring means that companies sell daily recurring receivables of commodities or services to a factoring company. The factoring company pays the purchased receivables immediately to the account of the seller.

A further advantage is that the seller, in case of the factoring holders against losses is protected. This means that the provisions for doubtful debts (credit risk) goes with the sale of the claim on the factoring provider. The Connecting customer (factoring employee) receives the money in any case. No matter from the customer should or not be insolvent. This kind of purchase offers small and medium-sized businesses an immediate increase in liquidity and 100% protection against losses. Additional benefits resulting from the use of factoring: relaxation of the financial situation in the company discharge of the company through the outsourcing of customer management reducing balance and improve the ratings where you can breakdown of financial liabilities (such as permanent debt) factoring requests organizations? Also here a clear answer: the “German factoring Portal”! There, interested parties will find plenty of information about sale of claims. Another highlight on the portal is the default calculator.

Companies can figure out there at once how much % or EUR of sales at a loss of receivables must increase to compensate for the loss. Also interested are there free and non-binding requests. Currently 11 excellent factoring provider present on the portal. These have become specialised in small and medium-sized companies a year gross sales of 250 T EUR or 500 T EUR. The past has shown that factoring is a quite economic aspect for company. Now put your request on deutsches-factoring-portal.de and take a step towards your liquidity. Not asking, not WINS.

It is interesting to note that in addition to product providers also educational institutions and even swimming pools are called. Also when choosing your educational institution, brokers differentiate very exactly according to your requirements. Still has the Publisher interested, how competent the brokers think you are. Great results provide the internal and external images for assessing personal competence. The current darlings of the brokers in terms of damage/HUK as each quarter again asked the mediators their favourites in the individual segments. Some changes show that, for example, in the area of factual / HUK insurance. In the home insurance, there is a change at the top. The VHV supersedes the liability fund Darmstadt as a top favorite of brokers.

The rise of Nuremberg in the is still noticeable Top 3 favorite list of commercial property insurance. On the podium manages also the generali as a new third of the homeowners insurance. SMARTcompagnie GmbH SMARTcompagnie offers management consulting, practice-oriented training and market research of the highest quality and with maximum benefit for customers. Founded in 2005, owner-managed company is rooted in the financial services industry and sees itself as a neutral and independent service providers. The focus is the sales and product management of insurance and financial services. Belongs to the self-understanding of society to create added value for customers through the successful implementation of the strategies. The expertise of SMARTcompagnie results from many years of experience (since 1985) in sales and management in the insurance and banking industry.