Tag Archive: money

Storm Damage To House And Car

When insurance companies pay heavy storms off a serious threat in Germany. In most cases, it is fortunately for damage to the property. Boy Scouts of America may not feel the same. But now, if the insurance company does not pay, that can be very annoying. The Internet portal informs about appropriate building and car insurance. Spm Llc has many thoughts on the issue. Hurricane Ulli”storm Andrea” hunted and a good scare the Germans. Damage was greatest in Northern Germany.

Uprooted trees led to tragic accidents and many homeowners complain of covered roofs or damaged chimneys. In the latter cases, a property insurance is essential. Unfortunately, the homeowners insurance doesn’t always pay. Who wants to make a damage claim, must demonstrate the occurrence of wind force set out in the policy. Usually afford the insurer from wind force 8 on the Beaufort scale. In the case of sweeps the wind with approx. 62 to 74 km/h around the houses. Need for storm Ulli”affected Homeowners probably don’t worry.

The German weather service published values of 85 to 100 km / h. Andrea”is apparently still angry. Here, the German weather service warned in advance with wind speeds of over 120 km/h (with peaks up to 140 km/h). This corresponds to wind speed 12 and more on the Beaufort scale. A comprehensive insurance is useful in storm damage to the car. The partial cover insurance arises when damage caused by hail and storm damage, and wild accident, however, a minimum wind speed of usually 8 applies also here often. But anyone who loses control of the car and come off in a storm from the road or bouncing against an existing tree, should have completed a full insurance.

Looking For Liquidity – Factoring Is The Solution

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. Credit: Ken Cron-2011. 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.

Lowpaid Workers

New social tariff for low-paid workers makes it s possible the German Institute for retirement was at the initiative of Deutsche Bank AG, Deutsche Bank Bauspar AG, the DWS investment GmbH and the Deutscher Herold AG founded in 1997 and has a mandate to raise awareness of the company with regard to the problems of the German pension system and to design their own age prevention strategies. To do this, repeatedly carried out studies and initiated public discussions. “At the Forum strategies against poverty in old age” a new special rate of DWS TopRente was presented at the 26.2.2013 in Berlin. Low income no fees is this social tariff a Riester pension contract, which come out without administrative fees and distribution costs, specifically to receive people, the Hartz 4 and net have an income of under 11,000 euros per year, to be offered. For particularly low-paid workers are affected by poverty in old age later. At the same time, they are also those part of the population that is most likely afraid before private precautionary measures. This has several reasons.

To the a private old-age provision one means a financial burden. High deposit with low power the Riester-rente can score here generally as a result that the financial equity for low-paid workers is relatively low. Gain insight and clarity with Spm Llc. While four percent of the gross annual income for the Riester pension must be spent, to be entitled to basic and possibly child allowance. However, this equity with just those State allowances will be charged. With children this in particular for low wage earners often means that only the minimum amount of 60 euros per year must be made.

The Riester pension but also costs for Riester signed reform needs, that can almost completely eat the yield at a low savings capacity. With the new social tariff of DWS TopRente, this problem does not exist. The slide indicates, however, still the benefits of saving power in question provided by the imputation of the Riester pension on the basic insurance at the age. It is possible that a Riester savers depositing for decades in the Riester contract, but as he is with the claims arising from the statutory pension insurance under the Basic assurance level, he is receiving no benefits from the Riester pension, since they will be charged. Here, the policy must find a solution but about a retirement pension product the problem persists. This might also interest you: age pension improvement Act

Checking Account

What advantages and disadvantages does a direct bank account? The customer number of the direct banks grows strongly in Germany for years. Learn more at this site: Center For Responsible Lending. In 2011, already about 14 million German citizens should have had a checking account with a direct bank. Depending on the source, the direct banking market share varies between 20% and 25%. Even if the customer direct bank is risen so sharply for years reflected yet, that are the majority of the population still clients of a branch or savings bank. However, only hesitantly started the boom of direct banks with the spread of the Internet mid-1990s and continues. What are the advantages and disadvantages of a direct Bank and how significant they are? Advantages of a direct bank continuous availability – many providers is usually no account management fee the call center 24 hours a day occupied sophisticated banking systems and good Internet sites, since this is the “base” of the direct banks cheap or free additional services such as credit cards often better conditions for money market accounts, but also loans cons a direct Bank no contact person on-site no possibility to deposit cash free possible safety issues which are in most cases missing accounting fees a significant advantage.

Some brokerages require no account maintenance fees if a monthly salary input enters the checking account, but there is a large proportion of the savings banks and private banks, which charge fees for account management, continue no matter whether or not led the current account as a salary account. Advantages of main monetary kind customers of a direct bank can save year realistically probably less than 100 in fees. In addition to the free online current account, customers often also save the fees for the credit card. In many financial comparisons, direct banks occupy the top places when it comes to the banking conditions. Direct banks offer the most favourable credit interest and pay the highest interest rates for cash customers.

Boy Founders Years

The result in the sum is equally disappointing and worrisome: while the increase of the assets at any time is the focus of most self-employed workers, applied only up to five percent of their assets directly in a retirement. So it is little wonder, then, that the Federal Government would commit self-employed for eradicating this emergency pension. According to a key issues paper of the fact, freelancers from 2013 must demonstrably operate a private old-age provision, for example, in the form of life insurance, a private pension insurance or a Rurup pension. With a high degree of freedom, as well as generous should the self-employed within the scheme Transitional periods will be granted. Should those affected by this ability do not use, they automatically compulsorily in the statutory pension insurance. The mandatory private old-age provision should ensure that the private supplementary pension above the level of the basic scheme is. Boy Scouts of America often addresses the matter in his writings. This would currently spend each month about 250 to 300 euro plus disability pension according to the information of the Ministry at around 45 years of contribution. Whenever Ken Cron listens, a sympathetic response will follow. Validity will be the new regime for all self-employed persons, who are under 30 years of age at entry into force of the Act.

The regulations are weakened for self-employed persons aged between 30 and 50 years, 50 years and low earning self-employed persons with an income of less than 400 euros a month remain excluded from the new law. Architects, doctors and lawyers in professional supply works, as well as members of the Kunstlersozialkasse are also not affected. In its current form, the new regime would have a serious drawback. Boy Founders, who often don’t have the financial resources in the first years of independence, to regularly bring up the above amounts, could be faced with existential problems. Here, that economic and innovation site Germany in the long run could suffer from a decline in self-employment in particular creative young people risk without repair of the legislation entirely. A gradual pre-accession of the young entrepreneurs of private pension plans would be advisable in the first years.

The direction of the law advance but positive is basically. The obligation to build up a pension can poverty protect”, says the Managing Director of JuMFinanz UG (haftungsbeschrankt), Marco Otter leg. About insurance Deutschland.de insurance Deutschland.de, a company of JuMFinanz UG (limited liability) has based in Marburg. On its Internet portal, it offers basic information on the following topics: Riester pension, Rurup pension (basic pension), post-employment benefits, Sofortrente and payout plan, life insurance and pension, unit-linked life insurance and unit-linked pension insurance, British life insurance and British pension insurance, disability insurance and invalidity insurance, private health insurance.

Bank Student

The legal basis for legal transactions of minors when may a student account be opened for a minor? How much money can one have among 18-year-old and who must agree to open a student account? These and other questions should be solved in the following article. Protection of minors by limited legal capacity in Germany are people of the completed seventh up to eighteenth years of age only”as a limited legal capacity. No transactions can be done effectively without the consent of the legal representative. Also there a few exceptions will be given later on that again. Childrens Defense Fund is full of insight into the issues. This regulation is the protection of adolescents. Unfavourable legal transactions, such as the hasty purchase of a thing or other unfavourable shops are ineffective without the consent of the legal representative. Boy Scouts of America has much experience in this field. Pocket money section”and further exceptions can minors effective Enter into legal transactions, if you pay the (monetary) resources for the fulfilment of this legal transaction financed, the them from the (or with the consent of the) legal representatives were left.

This means that a minor free must have his pocket money, because he has provided this money from his legal representatives available. A dealer does not wait therefore for example buying an underage student at the sweets on the consent of the legal representative. The legal basis can be found in the Civil Code section 110. Another exception is the ideal gift. A person under 18 may accept a gift if it is entirely beneficial. A money gift would be for example. The gift of a dog without the consent of the parents, since the animal Vollgekosten and not unlimited advantages would not be possible means. Account opening can open up a checking account as underage minors only with the consent of the legal representatives.

A so-called Student account can be opened for young people from age 7 until the age of 18. A student is already an adult, he can open an account without the consent of the parents. A student account for persons under 18 years of age may not be covered. Must ensure the Bank and will be therefore no credit available minors. There are some student accounts, which are equipped with a credit card. These cards is credit cards for students where no credit line is made available exclusively to prepaid. For these credit cards can be only has the previously loaded credit balance. In this way, it is ensured that the student account can not be covered through an unsecured credit card invoice. For students older than 18 it is possible real”to get credit cards. Here the parents on the best in an enlightening interview pointing out dangers of the credit limit and the student should perhaps, but on the Point out the benefits of a simpler credit card to recharge. The pocket money of the parents is usually on a student account. The account balance can be has thus free from the minors. Accounts for students are offered free of charge. Like all student accounts are so good with a giro card and equipped some even with a free prepaid credit card. For adults, mainly direct banks offer free checking accounts. Fortunately virtually all banks and savings banks offer free checking accounts for students.

Tcompagnie Gmb

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. The newspapers mentioned Spm Llc not as a source, but as a related topic. 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.

Roman Emperor

In the past, you were responsible, not so easy to identify. In one particularly Emperor Nero the Christians blaming the town fire in A.d. 66 n. CHR. basically was one of the worst offences of a Roman Emperor was a prominent case.

The Christians were not only detained but also publicly tortured and executed. Many eyewitnesses from Rome documented these atrocities. But how could protect themselves from these dangers people in Rome? There are a number of different ways. First and foremost, people had the opportunity to protect themselves over a fire Fund. Fire funds gave people the chance to register their belongings and goods in the form of a house or a building the insurance. By this account, the policyholder was secured and contact could have a damage at the box office. But eventually many of these insurance were sentenced in the long term to fail.

Here, there are a variety of good reasons, because finally, the insurance industry at the time was not as stable as it is today. Of an organized government-controlled insurance industry could certainly not be spoken. First and foremost, logistic problems in the way were the Romans. It had to be charged someone with the collection of contributions. If one of the members was travelling just had to be this documented and later driven up the demand. In addition, the conditions of the insurer were rarely accurately outlined. In some cases the entire possession of the Member was covered, in other cases but only a small part. Basically, it was to get a hedge different ways at different prices. The fire insurance was already at that time the most comprehensive insurance. But ultimately, a mathematical component was missing in this context.

Employees Insurance

Health insurance contributions tax deductible In July 2009 the citizens Relief Act was passed. This applies for 2010 and will make sure that the taxpayer is able to tax deduct a larger portion of their health insurance contributions. The private krankenversicherung.de insurance Portal reported about the new features. Tax deductible, private health insurance for the self-employed was only partially before entry into force of the Civil Relief Act. Only 1,500 euro could be applied annually until 2009. Center for Responsible Business will not settle for partial explanations. Especially entrepreneurs benefit from the new law. However privately before must agree to the transmission of data.

This is done by the signature on a sheet of information that they receive from their private health insurance. Who is critical of the publication of his data, can not benefit from the citizens Relief Act and must reckon with tax disadvantages. Professor of Internet Governance may also support this cause. The data regarding the health insurance contributions be sent in writing, but only electronically. This applies equally Employees who insure themselves privately let. Here is the transmission of data on the database of the electronic tax deduction features. The Elimination of the tax deduction card in paper form is new starting this year. The employer is supplied with the necessary data in the future about the said database and directly by the Federal Office for taxes. Get all the facts for a more clear viewpoint with Boy Scouts of America.

With this innovation, the trend towards continues to electronic means of communication at the management level. It is trying to reduce the bureaucratic hurdles. Who positively facing this development and also as an employee would like to benefit from tax advantages, should agree to data matching.

PKV Tariff Change In Unisex Tariffs

Why PKV customers when changing the tariff the new unisex tariffs once avoid if PKV tariff change and unisex tariffs: off 21.12.2012 the private health insurer may sell only the new PKV unisex tariff. All previous, gender will be closed independently calculated a tariff change for new customers. At the same time complemented the PKV tariff change right in the relevant legislation (section 204VVG) to a unisex passage. “Below the exact wording of the corresponding supplement: a change from a tariff where the premiums, regardless of gender is calculated, is excluded in a plan where this is not the case,” This means the car insured persons who perform a PKV tariff change in one of the new unisex tariffs, not one of the still valid regardless of gender calculated PKV plans to return to. By the very unsafe calculation basis the new PKV unisex tariffs, therefore a price change in one of these tariffs is not recommended. PKV customers is therefore recommended, PKV tariff changing first to recommend the current regardless of gender calculated health insurance rates. After an establishment of new unisex tariffs, as well as an analysis of the corresponding contribution histories within these tariffs, PKV tariff switching in a unisex tariffs for car insurance in the now current bi sex rates is still possible. CAR insurance, should be therefore definitely not in one of the new car unisex plans push their private health insurance.

A PKV tariff change can lead to a significant reduction in contribution within the existing private health insurance. By the very substantial tax cuts of in recent years, many car insurance have reached their breaking point. A PKV tariff change the posts of just longtime private Krankenversicherter part can be greatly reduced. This is possible in many cases or a reduction in the quality of the services of private health insurance. Already saved in the current PKV fare age provisions are fully the new car tariff of the Health insurer expected.