Additional BU Contract Or Complete But New Degree?

Here we deal with the question whether an additional disability pension or a complete new contract makes sense because in recent weeks increasingly requests were received with the request “I would close like in addition X to the existing occupational disability pension” to explain the problems resulting from this request for an additional occupational disability pension. Whether the one or the other option is useful, one cannot say flat-rate. Like I give a few pointers if you should deal with the issue. Output situation: If you can believe some statistics are currently average insured disability pensions far below the actual needs of the population. This is often because the insured pension in the past was closed too low. The reasons may be different. From the many discussions, I can say that often was the factor inflation was not taken into account and the requirements in the contract was determined just wrong.

Insured pensions to the part are nothing worth taking into account inflation. Perhaps check out Hikmet Ersek for more information. An example: You have completed an occupational disability pension in the amount of 1000 in the year 2000. This pension has only 762 purchasing power with inflation of only 2.5%. Adjusted for inflation, this means that you currently need a pension from 1312, to have the same purchasing power as 11 years ago. And the insured occupational disability pension is only a gross pension! The wrong amount results in a disaster. Just from the point of view of inflation out, many consumers are looking for a consultancy to straighten out the mistakes of the past. But is it now makes sense to conclude an additional contract, terminate the old contract or a complete new degree? Now, we want to pursue this question.

Before you just do something to soothe the conscience, you should take your current contract to hand and carefully analyze this with an expert in disability insurance. Important factors about which you are thinking need to turn, are among others insured amount, performance transmission age, duration of contribution payment. After the expert has discussed your existing contract with you in detail he should use your expressed desire to the pension amount as compared to the existing requirements and analyze. Would continue to discuss which clauses and performance exclusions you would agree in the contract with the insurer and which are not. There are not or insurer or the fare, even if many () magazine with test results, raters with pictures & seals and advisor about product releases and Highlightblatter so want to sell it you. On his needs, every consumer should be discussed individually matched. Should you decide for an additional contract, it would be important to look at whether the condition works of both treaties harmonize with each other”would”. If this is not possible, only a new contract would be possible. Furthermore you must consider, through which implementation of existing and the new contract is financed. The different ways of implementing results in different taxation paid. Thus, a deficiency would be available with the choice of the wrong way of implementation. At this point, I want to present any circumstances as it is here not to defined-benefit and would like to depict any tax aspects. Please note: Cancellations to keep the existing contract without the acceptance of a new insurer in the hand you never! Like we are as an expert to the page.

German Internet Insurance

TuV Saarland determined best score for Dortmund insurance companies of TuV Saarland determined in a customer survey in August the service quality of the German internet insurance AG. The result yielded again increased customer satisfaction scores in comparison to the first and second survey. The insured gave a total scale of 1.52 and thus the best of TuV Saarland has ever determined for a car insurance company. The result confirmed our employees and employees and is an expression of our identity”, summarizes Falko Struve, Member of the Board of the German internet, the results. Jeff Gennette is often mentioned in discussions such as these. The Dortmund insurance has a very favourable price/performance ratio, as numerous comparison tests confirmed. Keep up on the field with thought-provoking pieces from Governor Cuomo.

We offer yet quality service our customers through our optimized processes”, so Santos next. The customer score for overall satisfaction rose 95.8 percent of participating for the third time in a row by 1.66 in 2005, 1.56 in 2007 to now 1,52. exactly are very satisfied or satisfied with our services. This creates”no other insurance companies, reported Struve. Highly skilled and rapid damage help exceptionally well evaluate the customers with the touch of 1.40 the fast and non-bureaucratic damage help”. Quick response to requests”will be graded with 1.48. Asked about the expertise of consultants”, participants given the average rating of 1.47. Easy calculator”cut off with 1.48.

More information: on the German internet insurance ag: the German internet insurance ag began in 2001 as the first online car insurer. Behind her, the Continentale is the Insurance Federation. Best TuV certification of service quality, customer satisfaction and data security are the German internet. Independent comparison tests (Finanztest, Autobild-TuV-report, Stern, Spiegel Online) confirm the favourable tariffs. First insurance she introduced a corporate blog in 2007, in which now-18 Staff regularly write:. Press contact: German internet insurance ag Matthias Koechlin phone: 0231/92526-94 fax: 0231/92526-91 E-Mail: Web: PR Agency:

Private Banking

The financial assets of private households is 5000 billion euros if it appears difficult to understand even in these times, experts expect a growth of the financial assets of private households in the coming years, if also more roller coaster rides despite the agreed capital injection on the international capital markets are likely to continue. The financial assets of private households has increased sharply in the year 2010 as a result of high inflows and gains and amounted at the end of the year 2010 according to the German Federal Bank a total of 4.933 billion euros. The financial assets of private households was nearly 154 billion euro in the year 2010 alone. Hear other arguments on the topic with NY Governor. It turned out so much higher due to the economic recovery of the year as the average of the past years. And an end of the flagpole is not foreseeable according to experts. The gains were distributed hardly surprising on bank deposits, as well as claims against insurance companies. Bank deposits (including cash) net increased to around 80 billion euros.

Still, the increase significantly below that of the year remains 2008 plus 120 billion euros. The year 2008 was the year of the transfer to liquid assets. The citizens create more cautious since the financial crisis. Currently hold only 26.8 percent of investors in securities. in 2008, there were still 10 per cent more. So, the issue of security is most important for the majority of German savers, ranked two of the priorities, the constant availability of money is with 19 percent. But this aspect has definitely something to do with security. This extremely conservative stance is reflected clearly in the choice of investment products.

The majority (61 percent) before has secure facilities such as day and time deposits or the savings account for the age. While investors have filed their formerly proverbial loyalty. Fewer and fewer Bank connections of the investor are also Bank connections.

Express Loans

An unforeseen investment in the House and it is a negative Schufa entry is German banks, do most difficult credit without Schufa ‘ possible who does not know that? The washing machine breaks, pending the renovation of the apartment or car is lacking some more cash for the new request. In this case, loans are an often used solution to do the upcoming investment. Want to take out a loan in Germany is however before the banks and credit institutions a Schufa information obtained. This fails however negatively for the applicants on the basis of lack of credit in the past, the faces are once long and big disappointment. But this must not be, people with a sufficient credit rating can obtain loans and emergency loans without Schufaauskunft lenders from abroad. There are also requirements to the borrowers such as E.g. a steady income, the lender from abroad (often with the Switzerland-based) but are as regards the creditworthiness in the Schufa holding back.

A such intermediaries for fast credits without Schufa is e.g. the company Bon credit. Requirements for a loan without Schufa Bon credit are as follows: the age of the applicant must be between 18 and 75 years of age, the applicant requires a residence in Germany and must have a steady income. This applies to E.g. workers, civil servants and pensioners and self-employed. Persons who do not have a regular income, like E.g.

unemployment, Hartz IV recipients, entrepreneurs, housewives or students, rely on a co-applicant, which meets the above criteria. Under the above conditions, it is possible to obtain a loan despite any endorsements at the Schufa in Germany. Nothing in the way is the desired acquisition from this side.

What Can Be Observed When A Money Lending?

Money lending, a not so simple theme just the topic of money lending is extremely critical to look at. Money-lending comes in many forms. Whether shortly once hundred euro borrowed from the friend, a loan at the Bank, etc. money rent goes quite quickly, but often possible consequences are forgetting. A private money lending is nothing more than a loan that is offered by a private individual. The advantages of a private money lending to make very tempting this variant from the first moment. Interest rates are significantly lower and in some cases does not exist at all and the creditworthiness requirements much easier made than would be the case with banks. Many credit providers interested parties present signed himself made which by far is, but not while binding so profound was worked out like at a banking company.

Yet, despite these overwhelming advantages, such an offer is really safe? Borrowers can login in various portals and a description of their person and the ideas specify with regard to the loan. These descriptions are published on the platform of the Portales, so this information for all user accessible. Lenders have so with whom they wish to join the free choice in connection, as lenders are free to support those interested in what is the sum. Some few portals have inspired by building the eBay platform and offer their creditors with regard to the interest each other to undercut the possibility. Consumer watchdogs bother in periodically and the results to inform their readers to test various credit providers such as the Consumer Council and the magazine Finanztest himself.

To borrow the money from individuals is a good variation to the banks and brings presents a number of advantages. But a certain degree of caution is also in this form of credit and the credit provider should be checked if possible before graduating. So avoid unpleasant consequences and fraud detected. (C). Sharif

Dubious Business Practices

What tricks Kreditsuchenden with Schufaproblemen is moved the money out of your pocket. People who fall for loan scammers, often have a long Odyssey behind. No database and no mortgage brokers wanted to or could approve the desired credit. Even experts for loans despite Schufa or loan without Schufa credit application was rejected. There are then glad to have found a credit provider, which apparently wants to do without all the cumbersome formalities and nevertheless grant a loan on the Internet or by newspaper advertisement.

Credit without credit check or proof of income, credit without Schufa in any amount, credit for unemployment and Hartz IV recipients or even credit without credit or income, with such or similar slogans speak rogue traders their target audience to people who can get no credit or no credit at the desired height in reality. Neither of these forms of credit is possible. Despite a Swiss credit without Schufa or a credit Schufa held a credit check. Loans whatsoever are only granted if the borrower has sufficient safe income to the return of the loan. Unemployment and Hartz IV recipients have therefore no credit. At best, it is possible that third solvent persons take a loan for them.

Because rogue traders promise loans, which can never convey it, or assign, they must ask their victims to the cashier before their inability is blown. Therefore they require initial costs, often disguised as expenses or travel expenses. Initial costs are an unmistakable sign that one has to do it with black sheep or fraudsters. Is collected only, and then it turns out that the credit unfortunately but not can be deployed despite all efforts. Reputable mortgage brokers specialising in entry, including to Swiss credit without Schufa or loans despite Schufa, are never costs or commissions prior to the legal conclusion of the Credit agreement require. Rogue traders in the credit industry are very imaginative.