Tag: insurance & pension

The Funeral

Payment and waiting times paid many people close funeral – payment and waiting a funeral from aiming to charge the relatives with the cost of a funeral. But what if the death occurs and the funeral yet not at all or only in the small scale? The possibility to inform themselves in advance of the funeral services. Independent insurance brokers can cater to the wishes of the customers, because they can draw on a variety of companies. Active since 1984 Versicherungsmakler IAK GmbH provides an overview from over 30 plans for the funeral. The latency of a funeral is usually three years. When it come to the funeral, only the contributions less expenses are paid in the first three years.

For many members the sobering-up added to death, if not even nearly covered the cost can. At the funeral, some companies offer different models based on shorter maturities. The GE-BE insurance in Bremen allows concluding a burial without having to wait. Here the insured person must confirm but with conclusion of the contract, that he is healthy. The Munich Funeral Association (MBV) under the umbrella of the LV 1871 offers another variant of Munich.

In the MBV, latency is staggered according to the age. Until the 49th year of life is here also the waiting period of three years. From the 50th to the 59th year, the wait time is two years and from the 60th year of life 12 months waiting period will apply. Also the services be paid out in the waiting time from 60 years graduated after six months. The insured person dies after seven months, half of the insurance amount will be charged. From the seventh month, performance is then lifted to 1/12 so that after 12 months, the full service is provided. The ARAG offers a different model with her funeral: you refundable after one year two-thirds of the sum of insured will be one-third of the sum of insured, after two years due. More exceptions are the twelve months, the Condor with 18 months and the SwissLife Itzehoe Lebensversicherungs AG, as well as inter life insurance with 24-month waiting period. This resulting in a whole range of variants, according to which the insured person fitting his burial can choose.

Car Loan

It is not easy to get a car loan if you have a negative Schufa or the credit rating is not sufficient at a German bank. Private credit agencies can be an alternative. Who can get a car loan without Schufa? In principle, everyone belongs to the Group of customers, who can apply for a car loan without Schufa. Of course can be only such a credit request, if you are of legal age. Also, most banks for the car loan without Schufa have set a limit. The majority of the providers schufafrei more enough no car loan credit interested who have reached the age of 67.. Who still needs a car loan without Schufa as a pensioner of that age, who must rely on that someone with enters as guarantor or as a second borrower in the contractual. Also with students there are in the car loan schufafrei some differences.

The cover of BAfoG alone is not sufficient to be able to get a loan for a car purchase at a bank. Here one can score, which is a good Part-time job was able to secure from the he refers to an income, in which the banks of think credit consultants are that from the living as well as the payments for the car loan schufafrei can be paid. ty. Prerequisite for the recognition of that income for the car loan without Schufa is that it’s a permanent employment and not only to a temporary job at the semester break. Generally, income from dependent employment must be demonstrated in the application for a car loan without Schufa. The employment contract must be out of rehearsal time and also you must able to demonstrate without a doubt that the employer pays the pay contractually agreed to time. When independent trader, this evidence is much more difficult, because you not only have to the last three months, but in most cases to prove five years. Balance sheets and assessments to income tax are suitable for it. Kathrin Musch

German Current Account – Provider Compared

From the free checking account up to the checking account without Schufa we have put together these 3 offers a checking account comparison page, can be found under. For even more opinions, read materials from Abraham Maslow. Reading is clear, that it involves 2 free and a paid – but schufafreies – offer. The selection includes a free checking account of the netbank AG, as well as the special offer of the Swabian Bank AG next to the Deutsche Kreditbank AG (DKB) bank account: global MasterCard Premium including checking account without Schufa. On the website you will find the most important information about these 3 Giro accounts, as well as a compact bank account comparison. The facts are updated regularly, so that the reader is always up to date. For questions regarding the offers a free hotline available, largely answered all questions before ordering to the bank accounts. The current account without Schufa a peculiarity is the global MasterCard premium of the Swabian bench dar.

First and foremost it is a prepaid-MasterCard for world-wide use in the context of the credit. The Plus is the pre-configured account function, which allows the account holder to participate in the cashless payments and recorded as salaries or benefits. The balance property excludes Schufa checking as well as the Schufa entry. In addition, the Bank refers to the possibility of private and commercial use of the current account. For more information on this offer can be found on about Germany Girokonto.de Germany Girokonto.de is a financial portal to compare current accounts of German provider. Offers are analyzed and weighed the pros and cons. Controlled information about the individual products guarantee the topicality of the offers. The portal is operated by DynamicDrive GmbH & co.

KG, Dresden. About DynamicDrive GmbH & co. KG the Agency was DynamicDrive 2004 by Dipl.-ing. Olaf Kerner in Dresden, Germany founded. The field of activity covers since then innovative solutions in the online marketing field from among those particularly context-sensitive advertising networks such as Google AdWords. Especially when the switching of current accounts, credit cards and loans the Agency has made a name for.

Parental Allowance Important

The financial injection for new parents many parents become worried about the change in the financial situation after the arrival of the baby. However, in many a parent money calculation is sufficient to make your worries disappear. Who does everything right can look forward today about a bailout not to be underestimated. The parental allowance is effects of parental allowance requirement, that to many families, in which both adults work that afford a child at all. Parental benefits makes it easier to stay after the birth of the child up to 14 months (single parents) at home and to take care of themselves to the care of young mothers and fathers. Find out detailed opinions from leaders such as Stephen Porges by clicking through. So important acquisitions such as healthy baby food, baby clothes, bed and toys must not be financed on credit. Cardiologist is a great source of information.

Previously, so little was paid with maternity leave and parental benefit that many parents were forced to resume their work at an early stage or caught in a debt trap. Some low-earning parents are also aware childless. Minimum and maximum amount for parental benefits parental benefits, which exists since 1 January 2007, makes it possible maintain their standard of living to the young family. It can be scheduled earlier young, because the family is better financially secured. The amount of parental benefit is based on the last income before the birth. There is a maximum of 1,800 euros and amounts to at least EUR 300.

Multiple births increases the parents money to 300 euro for each additional child. Parental benefit is good as a second income if within parental leave a parent not more than 30 hours a week: in this case, the State pays the minimum of 300 euros. Exactly this amount is also unemployed and welfare recipients credits free and so is the social weak families in addition to available. However, the workers not to work is required during parental leave, during which the worker may be not terminated also. Training is permitted during parental leave. Conclusion and the answer to the Question: Who gets parents money? Parental benefits resulted that especially mediocre earning professionals thought increasingly about young. Parents who care for their children at home even, not more than 30 hours a week working and earn twosome no more than 500,000 euros a year are entitled to parental benefit. Baby vacation take parents for various reasons, including Grandma and Grandpa, and the siblings of the parents can receive in exceptional cases instead parents money.


or: What is to keep such promises exactly this statement I was told today by a customer. On my question why, he told this story: I am now 3 days dealing with the topic of private health insurance (PKV) and have interviewed four comparison calculator on the Internet, spoken to two consultants, had then called me. Three of the machines have recommended me this (Gothaer MediVita 500) tariff, another nor the rate of CVD by the Hanseatic League mercury insurance. Find out detailed opinions from leaders such as Dr. Caldwell Esselstyn by clicking through. I asked back as occurred because the “recommendation” and what criteria were created because underlying. The answer was “not scary” but as expected.

The prospective buyer told me on the following: “it was the excess should be how much, which supply dental treatment and replacement should be reimbursed asked. Continue to the asked me whether a performance for eyeglasses is important to me and of course even if I’m employed or self-employed. I have answered all questions and then there was the recommendation.” Let’s now once the criteria and the guidelines on and the rates: both tariffs offer of goggles replacement certainly, also dentures and dental treatment a sum will be contributed to X. Even a deductible levels is selectable. That would the criteria be met, or maybe not? The criteria here are completely unsuitable. Inappropriate because sufficient to even begin them unsuitable on the other hand, to choose private health insurance as a lifelong product. Imagine you wanted to conclude a contract for a home purchase instead of the car. The broker asks you what must meet the House because for requests and reply: “a Brown carpet must be in there remains at least a bath and… Oh, a roof must also have it.” It’s funny, or? Would you choose as your home? What about factors such as location, size, amenities, number and layout of the rooms and the like? All matter? Which of the houses would you do? < Find the colorful She dare something? Something to individually? That is, also the private Krankenversicherung (PKV) follows a uniform pattern, but is individually agree to personal needs.

The Court

It is already not apparent that this should be regulated, that at various available tools only the lower cost to be refunded. Also has 2 MB / 94 KK 1(1) to see, so that this regulation only if are two same tools available to cure the disease or to relieve, resorting to the more cost-effective is. “Is present but the disputed knee 3 C100 following the presentation of the experts much better suitable than any alternatives.” The clarification regarding the “medical necessity” is gratifying. This leads in practice often controversy, as can be not clearly defined, what is actually meant by the medical necessity. The reminiscent of the medical need in which is governed pattern conditions to the health insurance (MB/KK).

Paragraph 2 States in the appropriate paragraphs of 5 There: (2) exceeds a treatment or other measures, for which benefits have been agreed, the medically necessary, so, the insurer may reduce its benefits to a reasonable amount. Are the expenses for the treatment or other services in a striking disproportion to the services rendered, the insurer in so far not to the performance is obliged. Therefore if the insured (MED…. Treatment just not the cheapest, but exactly the treatment that best allows an appropriate cure or relief. This concept is gratifying because the restrictions and cuts had been otherwise, quite large burdens of several thousand euros, or one would have ultimately prevented a suitable treatment. The Court of appeal in his explanatory statement performs here expanded: “the AG as a result as well as in the explanatory statement quite rightly complaint upheld. The interpretation of the disputed terms and conditions of the She has carried the AG, the only one that accepts the idea of a circumspect UN attentive review of the conditions and taking into account the apparent context is defendant.”and further, and in my opinion very clearly says the District Court: (…) Because the not wealthy UN remains no choice.

He not yet had further renounce the so-called “simple” tools for health reasons to harm, and on the other tools for cost reasons. Such an interpretation of the clause of “simple version” not the reasonable UN opens up, it is simply not acceptable. “What can you do if you are affected: in the tariffs (for example) are also the continental insurance health insurance (GS1, GS2, comfort, economy, BT1), so when the supply of AIDS that the performance will not cut them with such justifications or completely denied.” Proceed if necessary legal action, however, because as the two Judge (even if not hochstrichterlich) to see the dishes in the opinion are quite conform. An open catalog of AIDS, as the Continentale wants this so often as important and indispensable turn out good in this case however little there are phrases like “simple design”. It so once again to the topic of “Truth and reality”.

The Withholding

And this uncertainty of the markets and of course also the investment professionals the customers is not hidden. Leverage flat tax not just simplifying the introduction of the flat tax affects in the coming year on the choice of the correct timing of the entry. Although investors through timely action can work around the flat tax before the end of the year with the right equipment. If you would like to know more then you should visit Francis Collins. But we want to warn to let is squeeze this State-generated investment pressure on hasty purchase decisions solely on the basis of tax-relevant characteristics. Investors should bear in mind that the quality of target investments and the appropriate mix of different asset classes of much greater relevance to investment success is, as the impact of the withholding tax. No crisis, no chance but it is not our intention to engage black painting.

Because in every crisis”is of course at the same time a chance. And we see this opportunity in products that can operate largely independently of the General market development. Where we consider it not necessary, customer deposits, consisting of the classical segments of asset such as stocks, pensions, money market, or real estate to change completely. It is from our point of view in most cases to complement investments absolutely sufficient existing customer securities accounts with low-correlated alternatives contemporary establishing a depot. “Hedge funds: not a panacea but an effective stabilizer of the Depot” hedge funds serve for foundations, family offices and institutional investors for many years. Especially the low-volatility products evolve much more reliable than many stock investments. The advantages of this asset class are simply indisputable. Because just the good hedge funds are characterised by a relatively low risk. Products are high quality, absolute return the promise for reliable yield across the investors actually redeem every year. In contrast of to many German absolute return, good hedge funds can prove this performance based on real historical courses in almost every phase of exchange products! There are the bare facts are convincing.

Accident Insurance

Accident insurance and insurance for accident information why is a casualty in the fall and winter is important? Financial ruin can happen quickly if not properly insured is in an accident. Accident insurance is a very important insurance right now in the autumn and winter, because it secures the damage caused by an accident. An accident can happen quickly, daily. Then unprepared life changing circumstances arise which are anyway very difficult, for example, that you can no longer enjoy the regulated work. If it is then not sufficiently insured, the financial ruin is pre-programmed.

Accident insurance must in any case before an accident and be completed. Because you never know when an accident occurs, it is important to have accident insurance at all. What kind of accident insurance is particularly cheap and powerful? The comparison of accident insurance allows to compare all available insurance consumers directly over the Internet. The result will be displayed directly online and sorted by the lowest insurance first, that is to say, the accident insurance with the lowest insurance premium will be displayed first. In addition, the consumer finds more information to insurance companies. Information about accident insurance: to conclude an accident insurance it is no longer necessary to seek extra insurance agents, on the contrary, in times of the Internet. An insurance agent represents generally a certain insurance company, the name says it. The consumer wants but like to know what insurance there is and itself transparent to see an overview of the different insurance premiums.

The consumer comes his accident insurance, specifically on him so fast and well informed to its security in the event of the accident, personally tailored to, on the desires and needs that each accident insurance has. Thereby, the consumer has the advantage that he can choose his own insurance and the even after the best price. The performance comparison of accident insurance shows in addition when selecting multiple in question future insurance companies transparent and specifically, what are the differences of the insurance offers.