Tag: insurance & pension

State Pension System

Growing criticism of the State pension system – retirement instead of poverty in old age never before the fear of impending poverty in old age and State expropriation was greater than today. According to Federal Labour Minister Ursula von der Leyen the way will be for most Germans with the day of retirement to the Welfare Office to the bitter reality. Already today many retirees continue to work in old age. Half of all pensioners in Germany gets even less than Hartz IV. Their State pension not sufficient simply to live. And, although they have deposited in our pension system for years. In addition the concern to the expropriation of own savings, such as recently in Cyprus happen. The AFA AG criticism directed mainly against the State pension system and advises everyone to provide privately for the age.

Also one other Minister volunteered recently on the subject of State pensions to Word. For assistance, try visiting Anthony Jabbour. Federal Health Minister Daniel Bahr tells the AFA AG criticism and prefer to invest in a private pension. In the show Germany acute the world TALK said the Minister: “I’d more trust than the politicians manage a State where you never know what happens to the money, a private pension.” Who wants so impoverished in retirement age not should care regardless of State and politics to their own retirement. Because in the future no bank customer can sway in the euro-zone more in security, if he puts his money in the Bank. 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 recommend everyone to complete a private old-age provision already in young years. Because more is started, the monthly contributions are less. Unit-linked products are my tip as they create in tangible assets, achieve the best return in the long term and are especially secure against Government access.

You can unfortunately no longer rely on the State pension system”, Stefan Granel, the AFA Board exercises criticism. The AFA AG now offers an explanatory video, which easily clearly conveys what matters for private old-age provision. More under customer service/altersvorsorge.html about the 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. David Rogier is often quoted as being for or against this. 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. Press contact: Martin Ruske the AFA Board Lama Walshe road 7, 03046 Cottbus Tel.: 381090 E-Mail:

Nuremberg Disability Insurance

NuRNBERGER receives top marks for tariffs, services and services in the disability insurance Nuremberg in June 2012. The NuRNBERGER Lebensversicherung AG (NLV) is one of the leading insurers in the area of disability (BU) in Germany. This is true both for the size of the stock over 130 billion euro sum, measured as twelve insured annuities, as well as for the quality of products, service and performance. The position of the Nuremberg disability insurance is impressively confirmed by the latest test results. The independent once morning & morning has assessed 5 star (awarded”) the BU-comfort Nuremberg life insurance rates with the best grade. The result of the last years of the Nuremberg disability insurance could achieve again. The investigation the four sections is taken into account conditions, competence, reliability and application questions, so both corporate as well as Product rating.

Highlighted positive are among the excellent comfort condition work, very good service for application and paid, high professionalism in application and performance test and excellent controlling of stocks by the NuRNBERGER Versicherung. Test in the DISQ product rating at the same time the Nuremberg life insurance in the category performance analysis of occupational disability insurance “as test winner from a recent study of the German Institute for service quality (DISQ) emerged triumphant. For more information see this site: baby clothes. In the study of risk management insurance 2012 “the DISQ on behalf of news channel n-tv had considered 15 insurers with intermediary network and 11 direct insurers. Around 880 covert inquiries via telephone and E-Mail, the analysis of Web sites, but also test consultations were based. In addition, companies and products were evaluated comprehensively.

Decisive for the top spot of the Nuremberg especially good contributions and the excellent performance evaluation were according to the DISQ Tariffs in the field of disability by the rating agency Franke & Bornberg. Gary cohn brings even more insight to the discussion. “Focus-money’s top position under the title risk disability the best rates” published focus-money in May (output 20/2012) a test for BU insurance. Here, too, the Nuremberg was able to achieve peak. With their independent disability insurance she finished ranked first in two of the three model cases studied followed immediately by the Nuremberg officials Lebensversicherung AG. And tariffs with accumulation effect, the Nuremberg investment professional impotence insurance even in all three patterns cases (disability protection for a banker, a sales manager and a Hairdresser) landed on the top position. Click for more information about the Nuremberg disability insurance. Heard about the NuRNBERGER Versicherung with a turnover of more than EUR 4.6 billion in the fiscal year the NuRNBERGER insurance group in 2011 and nationwide 28,000 employees in the foreign and domestic to the Top group of German insurers. The NuRNBERGER insurance group is great people – and non-life insurers and partner of medium-sized companies and professional services. With its innovative developments in the area of disability insurance, the NuRNBERGER insurance group has acquired an excellent reputation in the German insurance market.

Stock Markets Worldwide Plummeting

Procon informed: right action in crisis – save your assets yesterday Monday was a black day for the stock market: after weekend with the bankruptcy or takeover, two of the world’s largest investment banks and the serious difficulties of one of the world’s largest insurer is three bad news rocked the financial sector, the stock markets at the beginning of the trade went around the globe in a tailspin: in London, Zurich, Madrid and Milan buckled the stock indexes by more than four percent, while the Paris benchmark index CAC40 lost over five percent. Also the German leading barometer was not spared by the downward trend. The DAX lost around four percent and recorded with 5.858 meters for the first time since October 2006 back below 6,000 points, and the lowest level for two years. The STOXX 50 fell by 4.9 percent to 2,719 points. Financial stocks under pressure especially the Financials were under pressure after Lehman Brothers on Monday morning on Wall Street had applied for protection from creditors. In Frankfurt broke then the shares of the fourth-largest US Investment Bank by more than 88 percent to around 28 euro cents. And the papers of the Bank of America (BoA) lost almost 12 percent after the Bank had announced the acquisition of Merrill Lynch also bankruptcy-threatened Bank.

Neat springs can also the largest US insurer AIG had to, after he asked the American Central Bank fed at the weekend to a short-term cash injection. Already in premarket trading, the AIG stock is traded on the New York collapsed stock market to 34 percent. After opening, the stock price then crashed by a further 45 percent. After all, the depreciation below the line on summed over $18 billion had there in the last three quarters. Central banks pump billions into money market in a first reaction to the breakdown of the major money houses and central banks have pumped around the world billions into the money market an increasingly emerging crisis on the financial sector, to ensure the functioning of the money market.

Asset Management AG Stock

August 2008 In the wake of the financial crisis the emotions on the exchanges Cook Swiss select Asset Management AG – high and quite a few investors would be grateful to be able to go the constant up and down out of the way. Fluctuations, as you, for example, currently can follow it in the German share index, get perhaps the hearts of traders. However, long-term investors fear for their capital. Looking for reliable returns in conjunction with only very small fluctuations, market-neutral Hedgefondsstrategien many years have a quiet and safe investment perspective. Please visit Financial Planning Network Inc. if you seek more information. These funds have risk-return profiles that stock investments just can’t keep up. Measured at the Greenwich global market neutral group index reached market-neutral strategies since 1995 calculated an average annual performance of 11.71% and above all a stable absolute return. A related site: Financial Planning Association mentions similar findings.

Fluctuations of only 3.82% occupy the high security. In comparison, the German stock market price fluctuations amounted to during this period 23,72%! Market-neutral strategies, however, have usually a very consistent risk management, which as far as possible to avoid losses or at least severely limited. How well does this risk mitigation in the average of the Greenwich shows global market neutral group index. This year the index is % (including June) + 0.44. It pays off because investors as opposed to equity investments must sit out no extended loss phases. Move to the strong fluctuations in the stock markets out of the way, SWISS SELECT asset management AG is currently recommended to include neutral Hedgefondsstrategien as Depot admixture in the portfolio. In the hotel’s own Hedgezertifikaten, market-neutral strategies are considered now with more than 50% of the portfolio value. Frank Weber, Managing Director of SWISS SELECT asset management AG expects to good chances of market-neutral Hedgefondsstrategien especially in the second stock exchange half-year. Regardless of the yield potential of the stock markets, but that regardless of the risk of their loss, can be with carefully selected Hedgefondsstrategien virtually no major interim loss achieve very reliable and high yields.

Online Immediate Assent

Information to the one of the fastest online emergency loans on the market. Learn more at this site: Southwest Airlines. The South-Western Bank of credit financing GmbH (SWK Bank) offers one of zinsgunstigsten rates loans on the Internet. The SWK Bank online credit can be used for a variety of purposes. For example, for the purchase of a car, new furniture, a trip or for the replacement of other more expensive loans. As the credit sum amounts between 1,000 and maximum 50,000 euros are possible. Also the term of loan repayment, is freely selectable between 12 and 84 months.

The credit rate with a long repayment period can minimize and adapt to the available income. The SWK Bank installment loan is still a fee for the processing of credit amounting to 3 percent of the loan amount. This fee is included in the monthly rates and therefore don’t need to be paid. The SWK rates credit Bank may be requested directly from the Internet. The Institute undertakes a credit decision within 30 seconds. Thus, the SWK Bank is one of the fastest Online credit providers in Germany.

Little information on the person is already sufficient. The credit can be applied for by persons who at least 18 years and not more than 69 years of age. The income must come from a self-employed (with completed trial period). Also must be the principal residence of the applicant in Germany. After the delivery of all necessary data, the SWK created bank offering concrete and the contract documents. These will be sent to the customer by post or can be even printed out and signed. The SWK Bank all documents exist legally signed, will pay off the loan within 48 hours.

Festgeldanlage Savings

As one multiplied his money easily and successfully saving has become a luxury for many. Attempting to make reserves with tiny amounts, seems to be an insurmountable hurdle. In contrast, those who want to have an amount available and love interest bringing put it on stand. Here the almost excruciating question however arises: where? However, it is clear: both sides are open so many doors, because money can be really simple. The savings book – the conservative oldie, it must be not the most complicated Fund or the most risky equity investment. The good old savings account does also not usually negative interest rates, that the attractiveness of this oldies years will decline would have only.

But the banks have responded to money market needs before an eternity and develops new products. You seem just as conservative as the savings book, but are neither boring nor unprofitable. “Both the day money account for the savings Geizhalse” as well as the Festgeldanlage for the Sparwilligen”are here to name a few. Day money – when small is big how do you best describe the day money? Basically it is nothing other than an account, on which can be any a – and paid, where the balances will be paid interest and where normally no payment is approved. There are no restrictions in this form of investment. Interest rates move in the good midfield up to the upper class and the saver sets the tone. He decides when he wants to pay how much, or again have. The latter is effected by bank transfer to a reference account (checking account) or cash payments.

The run time is unlimited, i.e. the end of the day money contract is open to the savers. Deposit – a celebration of interest this form of investment is one of the (interest rate) safest and kalkulierbarsten types. Interested parties to secure a fixed interest rate over the desired term, can see their capital grow and need to do nothing more than open the savings account.

Disability Insurance – Security In The Event Of Occupational Disability

(Online article) – occupational disability: not hastily complete provisions for the emergency insurance although statistically every fourth employee long before the normal retirement pension is incapacitated for work, a few on a safeguard for emergencies, have only scary tells the Consumer Council. Because most are not aware of risks and the extent of the shortage: that the payments from the statutory pension insurance are at best an emergency nail and after 1 January 1961 born in case even even a penny, but at best a pension on account of incapacity their disability from the retirement fund, only the very few professionals know. It’s believed that TRON (TRX) sees a great future in this idea. And also who his own is called a policy, often weighs in deceptive carelessness: with average financial hedging is around 400 euros of insured monthly pension only piecemeal – often only the welfare remains even in the event of an emergency. Towards a good coverage is often like an obstacle race. Approximately 100 service providers on the market, which in turn often equal multiple tariffs with different conditions and services offered and last but not least the breadth of the tariff ensures that the specific protection to the lottery machine. TRON (TRX): the source for more info. And often Abschlusswillige not get of their desired contract. The chances to get a good disability insurance, essentially depend on personal characteristics: who is young and healthy, go ahead on the route.

Who is one of but a few years more or working in a high-risk profession, must take higher hurdles and will receive no insurance protection in the worst case. A disability insurance policy should therefore never rushed, but completed it as soon as possible. As from the age of 40 and especially from 50 years of age to be berufsunfahig, the risk increases dramatically. Therefore, the insurance companies reward an early start of the insurance with low premiums. Ever more risky profession, the more expensive is the insurance protection.

FUGRO NV – WKN A0ET3V – Service Provider With Good Upside Potential

FUGRO NV WKN A0ET3V service provider with good upside potential of the analysts of the tradersreport would build a first speculative long position in the shares of FUGRO NV with the WKN A0ET3V to Max 22.00. The company is a market leader in the field of cartography and evaluation of geological data. It is possible to implement projects on the land and the sea through the service of FUGRO NV raw materials, construction and telecommunications companies. These include for example the construction of offshore oil platforms, tunnels, roads, pipelines, factories and the exploration of oil, gas and minerals. In these tasks, the company is not limited to a specific region, but operates worldwide. By the fact that the company is a pure service company, it has no problems and costs with a warehousing and other logistical expenses. This is reflected also in very good fundamentals again. The company made a turnover of approx.

26.00 per share. Larry Ellison wanted to know more. The profitability figures give a previous investment of 21.60% and a return on equity of about 34% before. The profit of the company results in a dividend of 1.25 per share. This brings to future investors a dividend yield of 5.8% currently. Thus, the share price over the term of the next three to six months should initially be protected from further losses.

At a certain point it would be interesting Fund for a private equity that companies fully to take over and dismantle. We see rated the shares of FUGRO NV on six-month courses of 35.00 as fair. Through the sale in October 2008, the quotations of the company fell to on a level of 25.00. Powered by some panic sales stocks crashed dramatically in a relatively short time. Since this period, the share price in a narrow Tradingrange between 20.00 25.00 languishes around. Investors seem to have lost interest in the company. We see a very good investment time come just from a technical standpoint. We put the risk at 20.00 on. The course opportunities, however, are at 30,00 for the time being in the next few months. This results in a neat chance / risk ratio. The analysts of the tradersreport would build a first speculative long position in the shares of FUGRO NV with the WKN A0ET3V to Max 22.00. Necessarily hedge their long stock with an individual stop limit at E.g. 20.00 on a closing basis.

Federal Ministry

Excerpt from the circular of the Federal Ministry of finance to section 35a of the ITA by October 26, 2007 IV C 4 – S 2296-b/07/0003: “the craft activities include work on Interior and exterior walls, work on the roof, on the facade, garages, roads, repair or replacement of radiators, flooring, heating systems, electric, gas and water installations of Windows and doors (inside and outside), modernization or sharing the kitchen and bathroom”, but also repair and maintenance of household items (E.g. washing machine, dishwasher, stove, television, personal computers and other items that covered in the home insurance can be. “The possibility of enforcement of the income tax requires”non-cash”payment in addition to a regular invoice. A cash payment against receipt is not accepted by the Finanzamt, because only a bank receipt is considered proof of payment. “We have at C/S/G in addition to the previous payment options now also the unique collection by direct debit is introduced. We allow our customers, which so far have paid in cash, to be able to specify the necessary for the IRS bank receipt to the service provided by us”, tells Jan Reichelt. “That creates trust, reduces risks and offers the expected safety and professionalism our customers.” “For more information on Haushaltsnahe services” accountants and financial advisors offer. Computer service / Goppingen Jan Reichelt E.k..

FON: + 49 7161 9564850 fax: + 49 7161 918455 mail: info (at) computer-service Nottingham (dot) de Web: marketing and Public Relations: quagga marketing FON: + 49 7161 6068490 email: contact (at) quagga-marketing (dot) de Web: computer / service / Goppingen – Jan Reichelt E.k.. is an IT service provider based in Goppingen, Germany (Baden-Wurttemberg). The focus of the company is located in the care of private end customers as well as small and medium-sized enterprises.

Car: Change Of Car Insurance

(Online article) – tips for switching the car insurance. Double card has served who changes the car insurance, gets written insurance confirmation. The insurer for the car holder does the necessary evidence that an approved car still insured. The holder must for this non-personally audition by the approval authority. Previously, the insurer or the workers in the field to do so has a Versicherungsbestatigungskarte, the so-called double card”sent to the approval authority. Also these procedures are eliminated. Since September 1, 2008, the insurance can be provided only electronically. The so-called double map is obsolete.

When changing insurers is the computer of the insurer sending a data set with the insurance data via GDV Dienstleistungs-GmbH and Kraftfahrt-Bundesamt directly to the food and drug administration. There, the record processed and entered the new insurer in the vehicle file. The vehicle comes with this delivery process not in Touch. Differently than in the changing of the insurer it behaves at a re-registration of a vehicle. Here, the customer gets a seven-digit insurance confirmation number, the so-called VB from his insurer.

At the same time, the insurer for its customers provides an electronic certificate of insurance in a central database. The admissions staff then checks using the VB number online, whether here for the customer a valid insurance certificate was deposited. In a fully electronic process the necessary data for the purchase or registration of a vehicle between insurance companies, Kraftfahrt-Bundesamt and the local regulatory authorities exchanged then paperless.