Increasing importance for the protection of the labour force the Germans are very comprehensive in many areas and (too often) expensive insurance. The protection of own labour power, however, is but still not widely used, although the personal labour for most people is the most important source of income. Who can no longer exercise his profession for health reasons, in danger of a social descent. The Government services were restricted and enough even under the Hartz-IV level. The early statements protects private disability insurance, which pays an agreed monthly pension as a substitute if you no longer are able for health reasons, his previous profession. However, many people underestimate health risks, having to give up their profession prematurely. The statistics of the Deutschen Rentenversicherung say federal, that now every fourth worker and every fifth employee in advance on the basis of health complaints his profession must give up. Government backing in the event of occupational disability was in fact abolished some years ago. Perhaps check out Drew Houston for more information.
There is only a certain protection for the cases in which it can exert no profession at all. This so-called disability protection not sufficient however by far, to secure his current standard of living. Even consumer watchdogs call the disability insurance therefore in addition to the liability and health insurance as the most important insurance coverage at all. With appropriate disability insurance, you can ensure that you can maintain his standard of living in the emergency of a disability and don’t fall through the social network. A combination of occupational disability protection and pensions can be sometimes useful. The prices for a good disability protection depend on the age at the conclusion of the contract, exercised occupation, gender, health status, the insurance period and the amount of the pension.
Also from the selection of the appropriate Insurer. The price differences are here: enormous. However care must be taken in addition to the price also on other criteria such as the conditions of the insurance, the financial strength and reliability of the insurer or individual aspects. As a principle: the younger and healthier you are in the contract, the cheaper and better you can get a good disability protection. More information on the disability insurance as well as the possibility to request an independent comparative calculation can be found on the website. Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 E-Mail: contact person for the press: Bogdan Kalid image source: (c) kraska fotolia.com the Bergische insurance brokers diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker founded. With the Internet presence of young Insurance.de, the company has specially on the Specialized needs of private individuals and professionals would want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies. Bergische insurance broker has connections to more than 100 different insurance companies. There are special rates available for various professional groups such as students, trainees, graduates, or certain traders. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since 1998 in the insurance industry are active customers via the Internet, by telephone and by post served – when preparing offers, as well as in the event of a claim. The strength of the Bergische insurance brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With one individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.
Credit recording made easy. Without bypass problems at the present time to want to or must more and more people take out a loan, to meet certain requirements, such as a trip or a car, or a bad financial situation. Before you can take out a loan, you should inform about the different offers and take then also the time for a loan-comparison without the nowadays hardly can be found the really good and cheap deals. Who wants to take out a loan, selects of course best quotation, which is particularly favorable, so the credit as possible so little cost. If you want to take out a loan, ramming usually also on the deals of the Creditplus Bank, the loans at different heights and has to offer at different rates. You want to record also the own credit at this Bank, it is worth before usually perform an appropriate comparison, where however usually also Creditplus Bank can be found on the front ranks, since these in their conditions certainly the better Party belongs to and worth watching. Living on credit is the new trend in Germany.
20% of consumers finance spending already. 2009 increased the sums of newly signed credit contracts by 30%. Automakers such as Volkswagen and Peugeot, textile brands such as C & A and of course the financial institutions have prepared already. The reason: never lending rates were so cheap as it is now. But not euphoria, but information and comparison are announced.
On the Internet, take credit can be seen, the banks still are different. . The site also has the advantage that the user can now test its own credit needs. If he gives a loan amount and term in the search form, the loan calculator presented the ranking with the best deals for him in seconds. Then, it is also quick to see that up to seven per cent difference in the interest rate can have extreme consequences. With the wrong credit do you lose thousands of dollars, in the worst case even twice as much compared to a better conditioned credit agreement. Provider details but is warned and informed. There is no better introduction to find the right loan. On the occasion also equal once the check should the payments for the own disposition and rather agree a cheaper call loan rates above 10%. In Germany, every adult who has a permanent resident (and no entry at the Association for the protection of the General credit protection), can take out a loan. At the historically low level of interest rates that are (see trend) to do more and more. “The owner of the domain kreditaufnehmen.org”, is known for their optimized websites and the best references gained in five years on the online market. Their successful systems are also used in areas such as mobile tariffs or car insurance. Now, consumers also benefit from the up (or trend-oriented traditionally used for larger purchases) the loan comparison interest.
In the following four months, he tried his luck with working from home”, but they were all scams. He sent more than 50 applications to mount pictures, chain, or similar at home and gave it to the Closing date for files that little money he had left seemed to be more a hoax than true the initial idea, easy to make money, and overpriced phone calls. But he didn’t give up. He was adamant that there had to be a formula somewhere to earn money immediately. So he was always more, incidentally making money other ways, and read, paid Internet surfing, reading E-mails advertising.
The end result were four lost months, out of the window advertisement money and frustration. It is said that those who constantly are looking for their opportunity, eventually find them and also Juan was no exception to this rule. Despite the bad experience was Juan intimidate and looked further tireless. He wanted to get rich not by overnight. Only a few hundred euros every month, to pay the rates, which the Bank on time on the account charged. He could imagine little or nothing at all, what should happen on the 24th March 2010. A date on which he is for will always remember. On this day, about 11 o’clock in the morning, he surfed the Internet and came across the impressed indicator, which assured him to make quick money in Internet online.
There was no experience needed and there was also no sale or other, what he had already done. He was not very excited, but the display made him curious and he clicked on it and came up on the appropriate page. He had time and therefore he read through this page in peace themselves, to understand the system there, with which you could simply earn money. “When he was finished, he first thought: again a scam”, but he looked the page to another quarter hour.
Create a range of new Bavarian officials Lebensversicherung AG for private retirement savings yield strong and while the savings don’t risk – for private investors, this is often hardly conceivable. The stock market is too unstable, as that could rely on constant profits and safe interest-based money. With the strategy pension XXL of the new Bavarian officials Lebensversicherung AG (BBV), a secure retirement, with prospects for high returns for their own retirement is now possible. Who want to do something for the private old-age provision and thereby aims to achieve a high return, not just easily has it as a private investor. The market is too confusing and fast-moving, especially, when it comes to stocks. But high interest rates are no longer reach with depositing a savings amount on the savings account. A leading source for info: Kaihan Krippendorff. ht to the discussion.
According to expert opinions, the way not to an investment in shares or securities passes here. However, fluctuating market situations also any security created money is often lost with impact on the standard of living in retirement. How apply so return strong and still stay on the safe side? Investors should set yields the BBV-strategy-rente XXL achieve when it comes to private pension plans, to the experience of established as well as innovative provider. The Bavarian officials are proven specialist for old-age provision and capital construction insurance for generations. The latest pension product of BBV, the strategy pension XXL, which received a top ranking by the independent rating agency tomorrow & tomorrow, can be for many investors with the desire for safety and a high minimum interest rate (2.75% per year to the end of the term, regardless of the stock market situation) the right solution. With so-called warranty certificates, issued by the product partner, Deutsche Bank AG, promises the BBV-strategy-rente XXL high security and connects them to the return potential of the largest European companies. You can find more information about the product of the BBV also on
But the Federal Government has through billions for probably the worst in the German real estate market prevented largest real estate Bank. The first news of the beginning of the year 2009 did not take seriously even the most. Bausch & Lomb can aid you in your search for knowledge. But the development on the real estate market in the United States and in Germany the first alarm signals, which penetrated to the public and which finally ended in the economic and financial crisis. The consequence was, that distressed sales accounted for many Americans who had their loans at a real estate Bank had to and were either homeless or with friends had to accommodate until they found an emergency stay. Even in Germany there were and many non-performing real estate loans. But the Federal Government has through billions for probably the worst in the German real estate market prevented largest real estate Bank.
From mid-2009, the real estate crisis in Germany had pressed but also the prices for houses in the cellar. So 2009 was not a good year for a real estate Bank. The current development is impossible to judge. While the Economy recovers around the world, it was also great now parapublic real estate Bank in Germany possible again to pay back some of the aid granted by the State. But the experts agree regarding the German real estate market: Germany is escaped relatively unscathed.
The financial and economic crisis is not passed but also without a trace to the commercial banks, which themselves have not zeroed on real estate. Consumers also have noted this looked at money market accounts or current accounts compared in recent months. Especially in the current accounts, which pay interest on balances, there were changes. These have been partly unchanged, other money market accounts or current accounts in comparison, however, the interest rates on the deposits interest rate has fallen by significantly.
Court obliges insurance undertakings of private dental insurance obligation OLG Karlsruhe forcing the Swiss insurance company with German approval for the reimbursement of dental prostheses (OLG Karlsruhe, 27.06.2013, 12 U 127/12). The Versicehrungsunternehen of private dental insurance did not pay out its obligation due to the subordinate “pre-contractual duty of disclosure violation”. Each legally insured knows that a dentist is no longer paid special prevention. This provision is useful in the future to get as long as possible maintained his own teeth. Of course, you will be asked firmly in dentures to cashier. For this reason, many members of the statutory health insurance (GKV) complete a private dental insurance. These aims after the latency or the generally existing Dental Squadron, the secured services and costs in the future.
Facts dental insurance insurers denied its obligation: A member of the statutory health insurance August 2008 had let visited his dentist, make an X-ray and perform a PA treatment. Due to this treatment was a tooth replacement (15 17) has been established, which was not ideal bite State. However, the Fund member was asymptomatic. The dentist saw no current need for action here. The legally insured.
graduated from a private dental insurance in November 2008. 2010, the patient went to his dentist because of severe toothache in the above-mentioned posterior region (cyst). 2011, the Member received (15-17) implants, the statutory health insurance (GKV) at the listed teeth. His private tooth insurance should take over 80% (MB/KK => 5.534,67 incl. interest) the cost of the dental Bill.
Growing need for dental insurance according to financial test Stiftung Warentest tests vacuum cleaners, camcorders, refrigerators and even insurance. Every year again and dental insurance. Correctly determined that the demand more and more increasing for dental insurance, because the statutory funds assume less and less. It is also true that the insurance must necessarily be completed before a treatment is applied. In the new test in the may issue of financial test distinction is made between insurance like life insurance it age provisions are made, the contribution is incremented only for premium adjustments, and depending on the insurance contribution varies also with the age. Of this year’s test clearly shows that it’s always, what the emphasis when you only sent enough chooses the criteria, can rates first appear, rub the eyes where experts. The market of dental insurance is just because the demand is in motion. So it may of course happen that new tariffs not yet compared occur as the new fare of Continentale (CEZP) or Alliance (740).
Missing criteria, such as z.B bone reconstruction with implants, which is necessary for many implant restorations, are serious and if it is not, the equity rises. Stiftung Warentest sets the tariff of the Hanseatic League mercury in the first place, but at the dental implant treatments do not, that the bone structure is not insured. It is even more serious that the Hanseatic League a thing cost list has integrated mercury in their insurance conditions, which benefits may reach not the promised 90% including statutory fund, there are ceilings for certain treatments. This was not taken into account. The tariff is EZ + HTS + EZP by Hanse Merkur sure no poor fare, but from this point of view on the first place to put it, is not comprehensible. Next is to take into account that this tariff has a fairly low sum limit in the first 4 years if there are in the first years to Dentures cost comes, are here quickly reached the limits. This is even more extreme at the other winners, the ERGO direkt.
This can be settled in the first 4 years maximum of 1000. Possibly you need within the first 4 years an implant that is then the time at which one no longer understands the recommendation by Stiftung Warentest. Tests and comparisons are important, especially in the area of dental insurance, because it is almost impossible for the uninitiated to compare the subtleties. There are however some portals on the Internet, that make this responsible, as a financial test.