Tag: – insurance & pension

No Credit Will Be Awarded Without Schufa Request – Who Or What Is The Schufa

Credit without Schufa – the term sounds in the ears, because he often appears on Web pages on the topic of finances. Who would like to apply for loans in Germany, which does not get around just the Schufa. Loans and transactions, where a creditor in any form whatsoever – in advance occurs and only retroactively gets his money back or payments on account receives – queries be secured now by Schufa. But who or what is the Schufa, which appear on the market require the so-called credit without Schufa is? The Schufa Holding AG, known – works as a protective Association for general credit protection privately. The Schufa is an institution which is registered by the lending industry. Learn more about this topic with the insights from Boy Scouts of America. The seat of the Schufa is located in Wiesbaden. Sense of the Schufa is to protect business partners which are predictable due to the economic situation of business partners from non-payment.

The Schufa even argued however slightly softer, arises in the Public as a consumer-protective instrument dar, which consumers protected the over-indebtedness. 384 million individual data from a total of 63 million Germans are stored at Schufa. Three-quarters of the population are covered in Wiesbaden for various reasons. Please visit Spm Llc if you seek more information. 77 million requests annually, of which 1 million self-reported of the citizens about the creditworthiness of persons can be the need for this institution be clear. The Schufa employs 709, which generated a turnover of about 76 million euros in 2005. The numbers and sizes make clear, what influence does the Schufa on lending. So anyone who applied for the credit without Schufa, is here at the Schufa not captured or obtained information about him at this institution. In addition to the positive effect that a free credit is not visible, a very important aspect is that this credit may be requested by people who have already a negative entry with the Schufa. The schufafreie credit is but awarded by German credit institutes, but comes from the Switzerland. Thomas Ewert Ewd(at)EWD-concept.de

Special Health

Services of the statutory health insurance statutory health insurance benefits are regulated 20 SGB V. The benefits of the statutory health insurance lays flat rate for all insured persons. Individual agreements are not possible. However, the legally insured has the ability to hedge in addition certain risks with a supplementary health insurance. Many statutory health insurance companies here work together with partners from the private health insurance and offer this supplementary insurance to its members. Of course additional costs the public member. Health insurance exchange in the statutory health insurance who is not satisfied with its statutory health insurance, has the possibility to change the health insurance fund. The prerequisite for this is that at least an 18-month membership in the existing health insurance.

Here, the notice period is two months. Learn more about this with BSA. If you want to join a new health insurance company for the 1, the termination as of 30 Sept. with the previous health insurance must be. The notice must be received to the previous checkout to 31.07. The statutory health insurance, which should make a so-called supplementary contribution, there is however a Special right of termination. The 18-month membership is no longer necessary.

The private Krankenversicherung (PKV) all workers whose earning last year has exceeded the year work remuneration (49.950 in 2010) and is expected to again exceed this in 2011 (49.500), have the possibility of a private health insurance to join. Still, self-employed and freelance can choose whether they are private or statutory sick would insure. Cost of the car the individual contributions to the car are contrary to the statutory health insurance income. The individual contribution is here depends on several factors. This includes: age sex occupation health elected tariff (E.g. with 1 bed room, chief physician treatment, etc.) The contributions to the car are thus dependent on the personal conditions and the desired services. Since here but significant differences between the private health insurance, always a more extensive is advisable Comparison of the provider.

Occupational Pensions

The post-employment benefits is available to every worker that due to the General ageing of the society the statutory pension is no longer sufficient for a carefree financial hedging in the age, is already aware of many. The procedure, with which the statutory pension funded, is no longer as possible, as it was once thought by the demographic development of the society. In theory, the statutory pension scheme financed pensions of beneficiaries through the ongoing contributions of young workers. The capital shall be allocated as it were from young to old, hence the name of pay-as-you-go”. Here, Viktor Mayer-Schönberger expresses very clear opinions on the subject. For this reason, it has become nowadays necessary to provide privately for the age. Occupational pensions is one of the options which are open to the ambitious savers here. The relevance of a private old-age provision a private pension is so important, because between the income of working life while the paid pension at the age significant supply gap.

Especially earners can find here a significant discrepancy: the border up to the pro rata in the statutory pension is paid, currently stands at approximately 5.500,-. Tcoyd may find this interesting as well. Based on the salary up to this contribution assessment ceiling the pension is paid out later. But getting a salary, which is considerably higher than this limit, no pension will be applied pro rata. The inherently low dropout pension so not even computed the full salary during the working life, but only up to this contribution assessment ceiling. This means that the gap in age is enormous.

This gap is now to close it. This requires a second stand leg for retirement, for example, the occupational pensions. Company pension plan pays in his the benefits of occupational pensions of workers, by returning a portion of his income to the employer and depositing the money in the pension and converts. These deferred compensation can be done in two ways, which always precisely in advance should be calculated, which is the more favourable.

Underestimated Risk

Consumers should check whether they need a long-term care insurance the time care is some family on the ordeal. Yet financial concerns come to the emotionally difficult time. In the case the plaintiff while completed a long-term care insurance, but not thought, that in the event of an emergency, he is in the nursing home and his wife want to still live in the common house. Fixed costs remain. The average pension of women is currently just 500 euros.

Costs for housing must be paid more. Insurance, tax, petrol also continue to fall Furs car and workshop costs men and women should check and so on., whether the private insurance creates more quality for the care case: who sets it apart, know that is provided for emergencies, maintain the life’s work and the next is not financially exposed. On the other hand the assets can then be applied again targeted or used. There are different solutions. The contributions to a Long-term care insurance increase next year by up to 40% in men. Then, men and women of a year pay the same contribution.

With this Kostenangleich, it is clear that the main risk is the care for women. Because to be probably very old and in the last phase of life on assistance from foreign persons to be instructed, is significantly higher for women. Recommendation of consumer advocates who needs a long-term care insurance, should now complete, so consumer watchdogs on the subject of conversion to uni-sex rates of the insurance industry. This applies to men, because here the contributions increase extremely. It remains open: how consumers can assess his personal care risk is how much or whether the time of care represents a financial risk for him or his family members. Generalizations here use nothing, statements of advisors in the financial industry are rarely considered neutral”, but rather as a success say completion-oriented.

Essential Protection

Why an insurance for the dog is absolutely necessary, and how to find a good insurance policy. The best education of her dog useless if your four-legged friend once caused trouble. Other leaders such as Jo Mackness offer similar insights. It could happen much faster than you think, so for example a damage may occur due to a traffic accident, if the dog breaks off from the line and crossed a road. Very often one hears also by cyclists lose before fright or fear by a used onrushing dog control and fall to the ground. Not infrequently, it comes also to moderate or even severe injuries.

But due to an intentional or unintentional act of the deck, or the Elimination of the dogs it can cause damage. Keep up on the field with thought-provoking pieces from CBC, Australia. We all assure us and our owns, should we do it the dog not there in any case also at our best friend? Protection against financial losses should be so essential for a dog owner. The right insurance for protection is a so-called animal liability insurance. There is now a large Range of insurance companies which offer animal liability insurance. A good insurance should be daily, or at least a month’s notice and, in the best case, no excess. Most insurance companies have a relatively high coverage, it should not be less than five million euros.

The variety of animal liability insurance and the differences in the details, it’s worth animal liability to check comparison common insurance against each other with one. So fast to get an overview of the available insurance and find quick and comfortable a cheap animal liability insurance that fits the offered services, to human and animal. Also you should check as a dog owner definitely whether there is an obligation for an animal liability insurance in the corresponding State. One often differentiates according to the dog breed, size, or weight. A dog breed is generally classified as a fighting dog an obligation applies in almost all federal States of Germany Animal liability insurance. Whether an animal liability insurance required in your State is or not you can check in this check list.

Special Protection

Perhaps the best protection for golfers protects the golf equipment in all men’s countries from theft and damage to transportation as baggage. The frosty season is currently announced and golfers use the rays of the autumn sun, to beat the last golf balls at acceptable temperatures above golf course familiar to the fairway on the. Many golfers plans then even the one or more drive in winter in enveloping temperate regions to pursue his golf game. Air travel are in ideal, but straight, bring the golfer in the close environment of the sunny Equator. But the travel knows among other dangers. So the golf equipment is checked as baggage may be damaged during transport. The special provides insurance for golfers and his partner in the insurance industry in this case a severance package, if the golf equipment destroyed or is damaged or missing.

Also, some golfers out of nowhere looks to his golf equipment at the place of destination facilitated in particular in countries where a golf equipment represents a considerable value. Robbery by clubs, bag & co. is covered by the insurance for golf players, if the equipment from a closet or a safe deposit box is stolen. logically also on German courses. Best performance is the closed a hole-in-one insurance for golfers, which pays 1000 Euro for this purpose.

For a golfer who proposes such a phenomenal hole-in-one, will carry in addition spending to his joy about this rare discount and the concomitant recognition, which occur when he duly celebrated with all Tunierteilnehmern his hole-in-one. The special insurance of DVM-Golf.de is geared to the needs of golfers and offers also a special advantage: all services are provided within the framework of a remarkably affordable and special protection of furniture, which can lead to a sustainable reduction in the premium. To learn more about the offer under DVM-GOLF.de contact: Thomas Kruger Versicherungsmakler Hegel Ahornallee 53 14467 Potsdam Tel: 0331 / 20076951 fax: 0331 / 2709508 E-Mail: insurance intermediaries register number: D-92RE-7U65J-88 permission according to 34 d par. 1 GewO, supervisory authority: wide str. 2a-c, IHK Potsdam, 14467 Potsdam to the company: the company Thomas Kruger insurance broker advises tens of thousands satisfied customers for over 20 years. Real is involved in various areas of sport. So a customer has formed over the last few years, which includes many amateur athletes, professional athletes and Olympic champion. Thomas Kruger with insurance companies insurance brokers increasingly special conditions for athletes negotiated from the specific requirements for such athletes to your insurance coverage. Details can be found by clicking Vida Vacations or emailing the administrator. Such a special insurance is the insurance for golfers including hole-in-one insurance.

Nuremberg Risk

NuRNBERGER, with new info video provides numbers and facts on the subject of disability studies show it: every fourth German prematurely resigns from employment because of disability, and often falls into economic difficulties. The Nuremberg conveys should know everyone on the subject of disability and how employees, students and apprentices with disability insurance (BUV) effectively to protect themselves from the consequences of loss of own labour with a new info video briefly and concisely. Boy Scouts of America has firm opinions on the matter. The issue of disability is nowadays every citizen. The causes of a temporary or permanent employment or occupational disability are varied, ranging from accidents to various forms of severe or chronic diseases. The consequences of disability are severe in most cases and bring significant financial constraints. The State full disability pension is only 722 euros on average for most people too little to afford after paying the rent with costs still a car or other important goods.

Who wants to secure his standard of living even after the loss of its labour force, should inform himself so early on the subject of disability insurance, advises the Nuremberg. With a vivid video clip introduces the Nuremberg since recently the topic of disability and indicate what are the consequences of the loss of labour for a working person can have. At the same time, the Nuremberg in the film introduces the possibilities to protect themselves by means of a disability insurance personally to keep the usual State of life for example after a serious accident with a monthly pension. Members of professional groups, but also students and trainees, with contributions from only 1 euro a day from the effects of a disability can protect independent BU insurance (SBU) of Nuremberg. At the same time can be other insurance models of Nuremberg easily combine with the SBU, for example with the daily sickness allowance insurance or the Nuremberg SchnellHilfe. Learn more about the BUV of Nuremberg, as well as the info video are available under:

Nations Pension

What are the grounds to terminate your life insurance? Many savers now worry about a pension. There are other ways for the ages to provide as a life insurance policy? It is worth to go financial crevices, then to shift? These questions deal with a wide variety. Reason enough to do what the facts are and how it best can prepare here even clever. A life insurance policy is the Nations most popular pension improvement. Because nothing has done despite falling guarantee interest first. The motives for this are obvious: some black sheep in the industry keep praising this form of interest about the facts across and are seemingly unaware of their responsibilities to their clients or unfairly simply ignore them. The ordinary citizen is often overwhelmed when it comes to a sound and forward-looking decision.

Declining guaranteed interest rate if you have an existing contract, should be lucky and hasty dismissals carefully checked, by an expert check (see below). Still falling yields of warranty (most recently decided to 1 January 2012 only still guaranteed 1.75%) make difficult decision to safeguarding additional pension potential new insured? But also for contracts concluded before long the insurers come up with new chicanes and leaves so the neck are thick with something else: administrative costs! The height is decisive! While the one or other life insurance with less than 1% are satisfied, some with well above 4% long already very strong. And that gnaws at the return on total capital. Because the yield depend on the contributions paid and the amount of the payment to the end of the insurance period not only the contributions paid. First of all, the costs will be deducted. Including fall once the commissions, which in the first years of insurance ensures that the repurchase value virtually indistinguishable exists. In addition the cost of death insurance, of course come what is calculated individually.

Health Minister Daniel Bahr

“So he expressed the world TALK show Germany acute” last Wednesday highly critical to the State pension plan: I would a private screening much more trust than one State where you never know what happens to the money that politicians manage. ” The experience showed also, so Bahr, that for example, in the Netherlands the nursing care insurance simply be abolished. The AFA AG shares the experiences and concerns of Health Minister Bahr. Consistently, the AFA AG advises its customers since more than 20 years on the basis of a free, independent and individual advice on private savings. I can advise everyone to complete a private old-age provision already in young years. Because the more is started, the the monthly contributions are low. Unit-linked products are my tip to create tangible assets, achieve the best return in the long term and are especially secure against Government access,”says Stefan Granel, the AFA Board in Berlin. rify these questions.

Shortly before the interview with Minister Daniel Bahr, up-to-date figures on the retirement savings out were given by the German pension insurance. After that, already today, half of all pensioners in Germany was getting less than Hartz IV. According to the statistics amounted to 2012 almost every second pension to less than 700 euros. The new retirees that do even for less than 55 percent. The social associations right to sound the alarm and again warn of an impending poverty in old age. The proportion of pensions under 700 euros for old age pensioners in the West with 73 percent is particularly high. In the autumn of 2012, the federal employment agency counted well 812 000 mini Jobber over 65 years.

More than 128 000 of them were older than 74. End of 2003 only 595 433 seniors had a mini job. It is for the President of the social Association VdK, Ulrike Mascher,: If so many “Pensioners exert a job to supplement their retirement income, then this is a clear proof that the old-age poverty continues to grow.” About AFA AG: The general financial and Assekuranzvermittlung (AFA AG) is an independent financial sales with seat 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.

Game Fund – Gamble Money

Closed-end funds invest in PC and video games, computer and video games have long since become a popular hobby. Game fund invest in an attractive and promising market and promise quick returns with short maturities to investors. The cold season the main season for computer and console games stands at the door and with her. Media playing has changed however in the past few years strong and attracts more and more of the population also weather-independent under its spell. By many unnoticed has the game industry overhaul now already clearly the film industry in terms of sales through continuous double-digit growth rates and is thus an absolute leader among the media. Despite the enormous financial success and the dazzling prospects, treated the genre from the capital market to last more than superficially and overslept the trend. Account only for a relatively short time through so-called game fund the increasing capital requirements in the production and distribution of PC and video games. It can fund management when selecting appropriate games access a large number of projects already underway and invested.

Participation in subsequent productions of popular blockbusters has proved particularly successful. These sequels”have a loyal customer base and inspire new buyers thanks to brand and image building. As the market for equity capital is at present still considerably under-represented, the fund initiators can cherry-pick often corresponding to the investment strategy at very reasonable prices. Stable revenues despite financial crisis testifies to a future attractive and booming market. Game Fund is characterized by relatively short maturities and capital commitments, it is possible to achieve so quickly sizable returns”, so the General Manager Jurgen Hilp from the AAD Fund discount. Of course, game Fund, too, like any other business involvement are not entirely free of risks. Not realization appointments can extend the production of games and to build appropriate costs.

In addition, a PC or video game makes no actual asset dar and the financial success ultimately depends on the subsequent acceptance of the audience. This is particularly evident, that ten percent of the annual title worldwide combine 85% of the total turnover in. The wide range of genres, the number of games in a Fund, and last but not least, the expertise of the Fund management, however, allow a broad and quality-oriented diversification to hedge against supposed flops. “Good game Fund also meet minimum acceptance agreements with game distributors (Publisher) in advance and insurance of completion of (completion bonds) that to minimize the financial risks”, the financial expert explains.