Tag: insurance & pension

Malsch Benjamin Bohrmann

This model is ideal for new customer acquisition. In addition, silent factoring can be agreed Yes from 2 million euros. Time Warner often expresses his thoughts on the topic. Purchase financing a funding financed the purchase of materials as a supplement. The entrepreneur receives a payment to the settlement of the invoice up to a maximum of 120 days. Also purchases from Asia can be financed. Are the main advantages of factoring: o no personal liability/guarantee o credit within 24 hours after invoicing o sale for the customer cannot be identified (option from two million sales) o loss of receivables is secured o vendor payment up to 120 days o from two 2.5 million euros mostly cost-neutral o liquidity, also for not overdue existing requirements o Rasche 32 re finance Zielgrupe for factoring provider pool any profitable company from an annual turnover of EUR 1 million from almost all sectors of the economy and industries. Funding of FGM/c are provider from a pool of 32 Re finance. therefore be ensured to reach an individual solution and to forgive the conditions which adequately present themselves for entrepreneurs.

The financing group of medium-sized companies (FGM) operates for SMEs financing during 1989. Clients include especially companies with an annual turnover of EUR 1 million – 120 million euro. The core competence is the creation of fresh liquidity in the medium-sized companies. Particularly in times of Basel II, the bank crisis, more restrictive credit – lending criteria, we see ourselves as your partner in liquidity management. Focus is the generation of independent bank liquidity, without personal guarantees or collateral. This liquidity provides medium to good ratings, dar without negative characteristics and positive business performance.

Currently, FGM is widely present nationwide with 16 consultants. Www.fgm-ka.deWir more info company financing operate nationwide in SMEs since 1989 to accompany. Our clients include companies Annual sales of 1 million – 250 million. Our expertise is to create fresh liquidity in the medium-sized companies. Focus is the generation of independent bank liquidity, without personal guarantees or collateral. Our strength is the independence of individual market participants, since we can draw from a pool of 32 re finance.

The Riester

Depending on the provider also no matter risks are added, for example the change in a less favourable occupational group or a dangerous hobby, if later. Though much lower than that of a professional or occupational disability insurance, contributions to accident insurance cover only a small part of the risk. The difference: For an occupational disability insurance the impact is ensured regardless of the cause. Accident insurance the cause itself, so the accident, is hedged against, regardless of the effect. Accident or children disability insurance can be completed for toddlers. The entry age is six months some providers.

While the services differ significantly: while some insurers provide a high one-time payment, other policies provide lifelong pensions. Here, Robert A. Iger expresses very clear opinions on the subject. Money is not everything, but… In addition to the two risks of death and loss of labour and young families should contact already of interest for later employ. The sooner, the better: in the long term has enormous potential, the compound interest effect. Even small contributions can lead to good results. There are also increasingly interesting support schemes by employers also State initiatives: so the required equity is low pension due to vermogenswirksamer benefits and tax allowances for some variations. The Riester pension, an allowance is also paid for each child which continues to lower the contributions of the insured. Don’t forget: pension does not automatically mean preparation for retirement. Also for training or study of the children should be invested money back as early as possible. Members of the statutory health insurance children covered free of charge, for everyone else, a voluntary insurance for parents and children must be granted. Foreign protection thinking in any case! In addition, all couples should their existing private insurance Review: A family insurance is less expensive than individual policies and protects for a low post against incalculable risks.

There Are Credit Card Interest For Free Credit Cards

In the financial crisis, interest rates are important, there are accounts partially top interest what is the least known even on balances of free credit cards: credit cards are suitable not only for payment you can use them as a kind of day money account and thus comparatively attractive credit card interest rates. This one will transfer an amount to the recipient’s account of the card-issuing bank just from his checking account, credits his credit card number is called in the already achieved his objective. Credit card interest rates in Germany must not shy away from the comparison with interest on ordinary money market accounts, however, it should be noted that the credit card sales will be charged. In other words: who has paid a 1,000 euros to the credit card account, but consumes 500 euro shopping gets even the remaining 500 euro interest. Three examples. Walt Disney understands that this is vital information. Lufthansa miles and more credit card the Lufthansa miles and more credit card ‘ is a master card. It is published by the German credit Bank. To get them in two versions: as a classic Card (it is blue) and as a gold card.

Who paid money into the classic card, can count from the first penny with 2.05% credit card interest rates, on the gold card pays 2.15% appended file needs. Used the cards to get award miles (1 euro = 1 mile), which can be redeemed into attractive bonuses. Volkswagen VISA card with the Volkswagen Visa card’ interesting terms are linked, example receives the card holder while fuelling 1% discount. Passing his account online, credit card interest rates are not quite as high as the miles and more card (1.5%), but the annual fees are also not nearly as high. The top interest rate is available for deposits on the credit card account at the DKB. The Clou: the VISA of the German credit Bank is a free credit card. Barclaycard new double without any annual fee (at least in the first year) comes the new double Barclaycard’ from. Also on her credit card interest rates are at 1.5% per year without limit and from the first penny.

On tank sales 2% will be reimbursed (at monthly maximum 200 euro tank sales). That’s an annual savings of up to 48 euros. Also interesting: The word double’ Maestro card refers to the free provided ec. But unlike the Maestro card of credit institutions the cardholder will have at Barclay sales first charged de facto more than two credit cards the credit card account!

ValueNet

The Recreation aid is to grant annual leave in a timely manner and to pay flat rate with 25%. The annual vacation must include at least 5 days in a row. Written confirmation shall be annexed to the personal file. The amount can be guaranteed once per year. It can be used only once per household. Therefore the (married) partners previously should consult, who the recovery aid in requested by his employer. Depending on the tax assessment, income level or domiciled employer over 300 would have to spend, thus arrive at the staff of 150.

Net-pay optimization – second alternative of taxable vacation money effort: low implementation: several weeks of administrative costs: high savings: 50% – 120% through the use of tax-free or tax-optimised and social security-free payment modules allow to reduce personnel costs and net of employee increase at the same time the monthly. Most personnel managers, Payroll Accountants, employee representatives, entrepreneurs and also tax consultants are always “yet the conventional wisdom on that remuneration elements such as tank coupon of restaurant checks Internet flat rate travel expenses grant etc. only on top” can be paid i.e. to already owed pay. However, employers and employees may agree a new on at any time with regard to the wage / salary or remuneration.

If this is done legally clean, employers can and employees, for example, a new, lowered salary agree irrevocably. The supplementary agreement tuned then regulates which building blocks will be the staff like a cafeteria principle for the selection. Both work as well as tax or social security law no disadvantages for the parties are provided a flawless, seamless documentation. In this way the monthly is to net the employee up to 100 and improve more. At the same time decrease the wage costs of the employer by the fee reduction and the reduction in social security contributions. Therefore, the net charge optimization is especially since the Economic crisis more and more frequently as a substitute for the economically-induced elimination of special payments such as holiday or Christmas money elected. Vendors such as ValueNet indicate always the problem of gaps in the social security system and the of management overhead resulting from the optimization and provide the appropriate solutions: cover concept for the closing of the gap in social security (unemployment, sickness allowance, pension), financed by the employer of its saving complete takeover of complete management (E.g. right-compliant printouts, and sending the fuel vouchers, the complete handling of the filling stations, Collection and input monitoring of regular certificates by the employee, etc) for the legal liability security provide the comprehensive, business – and concept-related legal advice and if necessary sought by referral income at the respective establishment financial Office. Summary: There are several ways employees special payments, as vacation pay to allow, and at the same time the employer budget to spare. Aschheim, 14.04.2010, Angela Kosa editorial ValueNet AG

Young Families And Insurance Companies. Part 2

Caution case. Where are the problems in the legal protection? Each legally insured persons has noticed, that services the health insurance companies have been cut in recent years. In the statutory pension insurance, there were abolition of the occupational disability pension for younger, cuts in pensions etc – much clearer cuts, but largely unnoticed, were. Mistake number 1: Legally insured persons are protected with disability. Leslie Moonves does not necessarily agree. No, only people can get the general disability pension who were born prior to the effective date January 1, 1961. All young workers are obliged to find another job if they could, due to illness no longer can work in their original profession but working in other professions regardless of the professional qualification. In the present situation leads this requirement often in the low wage sector, or even directly into unemployment.

The full statutory disability pension receives only, who from for health reasons less than three hours a day to work. Security requirement for this is incidentally, among the so-called latency (= insured time) by five years. This means: new entrants have usually no entitlement to benefits under the statutory pension insurance. Examples: Thomas S., 28, married, worked ten months in the hospital after his medical studies and last earned 2,800 euros gross. After a sports accident he can no longer practice his profession.

Other activities are not eligible. His situation: Although he is fully incapacitated for work, he receives no benefit from the statutory pension insurance, because he has not met the qualifying period of five years. The family must be the woman’s income. Britta W., 40 years, working as a dance teacher for 19 years, suffers from chronic pain in the knee and must give up their profession. Since but half a seated activity can be expected of her, she receives only the half-disability pension. Routes She finds a job at the cinema box office missing qualification. Their earnings plus payments from the disability pension are significantly lower than their previous income. Mistake number 2: The widow’s / widower’s pension amounts to half of the income of the deceased spouse well. No, the big widow’s pension currently amounts to 55 per cent of the pension entitlement (!) of the deceased, not the last income. Who educates children, receives a child component to do so. Who is under 45 years old and raising children, is only entitled to a small widow / widower’s pension. The small widow’s pension amounts to just 25 per cent of the pension of the deceased and is paid limited mostly to two years. Mistake number 3: Children are financially backed by an orphan’s pension, until they stand on their own feet. No, the financial benefits are not high. The half-orphan’s pension is ten per cent of the pension rights of the deceased plus a surcharge based on its pension-legal times. The full orphan’s pension amounts to 20% of the amount of the pensions of the two Deceased plus a surcharge, which allows pension legal times of both parents are incorporated into the calculation. Here, too, the so-called latency plays a role: parents were new entrants, the orphans will receive no services from the statutory pension insurance. conclusion: depending on the provider is younger, the harder it is to government backing for him and his family

CAR Insurance Comparisons

What car insurance best suits the individual needs? A life without a car is actually no longer conceivable for most. Some contend that David Zaslav shows great expertise in this. You once enjoyed this luxury, one has to give up simply no desire in the future! There are a few people who reject an automobile for moral reasons. The majority of citizens want to leave but under no circumstances take their ride. The parole time is money”is a common principle widely. And time is short! That a car will also be financed many Accept phlegmatic. You can reduce these costs but also drastically perceive many car owners only on the edge. The consumer cannot influence the hot discussed gasoline prices. But in terms of car insurance it is located in his own hand, to opt for a really good deal.

A car insurance comparison should not necessarily be connected with a huge expenditure of time. One it intends to actually, through the jungle by the eligible provider contracts to make, it is understandable that this project again and again is postponed until tomorrow. But in the meantime, we live in the 21st century. The Internet offers consumers an extensive range of information of any kind. Insurance Advisor can be found on countless websites. In the Internet era, no longer a car insurance comparison must be done on your own. So much is clear times! For this purpose there is the handy Insurance Calculator, which are mostly free provided now.

The user must feed the user friendly tool simply with a few data and already sets off the computer at a rapid pace. Within a very short time, the results will be presented one. With a Kfzversicherungsvergleich so everyone can become friends, even though time may be so close! An insurance Advisor provides enlightenment. Many questions around the subject of car insurance are answered. “These include questions as: how should you compare the car insurance policies properly?” as well as: how and when can I cancel my insurance?” An insurance advisor ensures clarity!

Travel Insurance Benefits

Complete protection against cancellation fees a well-deserved vacation in distant lands is often the highlight of the year. Others who may share this opinion include Discovery Communications. Even more annoying if at short notice unexpected events in between come and travel can not be contacted. More information is housed here: Jeffrey L. Bewkes . Not only the holiday joy is clouded, mostly high cancellation fees apply in addition to travel expenses. The online portal geld.de informs about the details of a trip cancellation insurance. If illness or accident make a dash through the holiday Bill, anger and worry are usually enough.

Travel cancellation insurance can insure themselves with at least the costs incurred. Leslie Moonves: the source for more info. The extra police can directly at the booking a trip with complete and promises a financial reimbursement in the case of a prevention of commencement of travel. The travel on individual grounds not joined, also no cancellation fee from the tour operator. The amount of insurance contributions, as well as the scope of services depend on the provider and are calculated to Deductible, price and extent of the insurance cover. Also, there are insurance companies that access at an early departure or a late departure. Refund this amount usually only more expensive fares offer or require the booking of full protection. To be sure, customers should consult in advance exactly, which cases are covered and which are not.

Who has not already completed the travel insurance at time of booking, can do this also with other providers. Still a golden credit card are covered mostly already cancelation automatically against cost. More information: blog.geld.de/reiseversicherung/… GELD.de GmbH Lisa Neumann

Life Insurance

Alternative the question arises to the credit – the sale of the life insurance if the money is once tight, the revenues are down, is a big purchase or just want to treat yourself, often after an attractive credit. Because a consumer credit can quickly ensure that you once again can enjoy something. But what many consumers in Germany while forget is that often have large reserves in the accounts or insurance slumber. You have a life insurance policy? Why, then sell the non-life insurance or at least a few offerings get a liquid again or to meet long-delayed wishes. Life insurance selling – no interest, the sale of a life insurance leads hardly losses to little losses.

Unlike at the termination of a life insurance policy, you need to pay no compensation insurance and pay high fees for that you do not comply with the terms. You are at the end without the yield so dar, you anyway to stands. According to CBS, who has experience with these questions. The sale brings together rather you with a prospective, which is already thinking about the conclusion of an insurance policy. Its advantages are already in the pipeline insurance, some yield gains, which you gladly cede to the large losses to bypass, and a low term of life insurance. Selling a life insurance policy offers significant advantages compared to the loan and the termination of a life insurance policy. The most important thing is that you must pay no interest for your needed money because you so don’t borrow it to but much more lift off your own bankroll and in this way only once from the contract out are bought.

Minimal losses are the only thing you’ll have to complain about, and these losses are definitely some percent under the interest that you would have to pay for a commercial loan and thus make an interesting alternative to a consumer credit sale. Life insurance selling – clear benefits of selling a life insurance policy offers therefore clear benefits and is a termination and also a loan life insurance in most cases preferable. Please contact your bank Advisor or get a non-binding offer for the purchase of your life insurance, once to see how different these offers can be and how much she then but financially keeping your insurance company in the rain, when it comes to redemption or borrowing of the life insurance. Meanwhile, there are some reputable companies which topped the offers of insurance companies mostly by good 10-15% depending on the maturity and paid contributions can make a very lucrative offer for your life insurance. Always keep in mind, to cancel a life insurance policy is definitely always the worst Variant!

Online Insurance

Insurance online comparison have the right means for many people not even right. In many situations of everyday life, an obvious bagatelle can lead to an enormous argument, which is then only another court to clarify. (A valuable related resource: Discovery Communications). Such court proceedings but can cost several thousand euros depending on the value and number of instances, why some people may cringe despite the certainty of having right before doing so. The conclusion of a legal expenses insurance is worth to get right In the event of an emergency. These insurances wear not only the Attorney’s fees, but also court costs and even witnesses and expert fees. So, it is possible to do so to pay for this but one cent a legal dispute. Because there is litigation in nearly every area, private legal protection should be adapted to the specific life situation as optimally as possible.

Workers, for example, should have on the legal protection of the work, which in the case of cancellations, at illegitimate warnings or but can occur during transfers. So it is possible, for example, to sue an employer with insurance in the labour law immoral wages pay so as to benefit from a higher remuneration. One such case recently employed the Arbeitsgericht Leipzig, because a student who was responsible in a lingerie store for sale, the customer service and the acceptance of the goods and their presentation, received only an hourly wage of $6. This seller could sue for a hourly rate of EUR 8.50 and scored two-thirds of the tariff wage today thus. But also in other areas of insurance can be rewarding, for example in terms of traffic rights.

In this case, not only drivers, but also pedestrians and cyclists who also take part in road transport are insured. Legal expenses insurance for traffic law, amongst others occurs when the cause of the accident can be determined incorrectly or if a other road users is at fault in the accident. In a recent case, the District Court of Munich, for example, decided that a cyclist, when he’s driving on the wrong side, even used one-third blame can be, if the driver could see the bike riders. Insurance is one of the most important insurance companies due to the numerous and increasingly growing legal cases in Germany. Before graduating, it is however important to compare the different offers to get a cheap insurance to top conditions. A later comparison may be worth to switch to another provider with cheaper prices and increased services in the port.

Internet Insurance

The best and cheapest building insurance in comparison. In addition to its function as a pure investment, home counts for more and more housework to hedge for the age. Here the beloved “four walls” against the hazards should be secured here of nature, or the risks of everyday life by building insurance. Especially fire or water damage caused by pipeline breaks are among the most damage, but also damage caused by increasing and ever-worsening natural disasters. The costs for repairs, Wiederinastandsetzung, up to the complete reconstruction of the real estate is usually several thousand dollars.

For most of the victims were such additional financial damage by own means hard to cope with. Banks loans for reconstruction usually only, if there is a building insurance. Even if it is not prescribed for property owners, building insurance to have, should these just because of the increasingly growing natural disasters, also in German regions, be completed. Time Warner is the source for more interesting facts. Because in addition to the loss of real estate all existences are threatened in most cases. But how to find a suitable building insurance, with a post-optimized and optimal insurance protection? The easiest and most effective way is a building insurance comparison on the Internet. Many online service providers offer integrated contribution calculator on your website, in which the majority of insurance companies are integrated. You will receive a number of additional information, such as for example the contained services the respective tariffs relating to the respective insurer in addition.