insurance & pension

Countdown

Still, until November suppliers compare end each year in November the motor insurer with its advertising customers roll over. Suddenly, all seemingly offer the cheapest and best price. The finance portal geld.de explains what insurance comparison auto owner should pay attention. As the comparison of car insurance has shown in 40 German cities, is a large regional disparities within the policies. Filed under: sketch fab. Unfortunately, few have the possibility to choose between various residences. The rates of around 80 insurers differ particularly in three nationally valid points. It is wild accidents, negligence and the so-called Mallorca cover”. In accidents involving animals are only damage caused by hair wild in many cases”covered.

This is limited to deer, wild boar, and the like. Often, accidents happen but by large birds, which is why customers should protect themselves against collisions with animals of all kinds. Nor is it your own Negligence to be underestimated. A red light is quickly run over in a hurry. In such situations the driver provoked accidents through gross negligence”, as it says in the official German. Many insurance companies cover this too. Finally it is useful specifically for travelers, for insurance with so-called Mallorca cover “to keep an eye out.

Since car rental companies South – and Eastern Europe often not sufficiently even insure their vehicles in the popular destinations, tourists often sit on the cost. Insurance tariffs, which cover the risk of an accident with car rental offer optimum protection. Because the needs are different, a comparison of the individual motor insurer’s worth. Until the end of November, car owners have the chance to change. Journalists can download for 40 German cities to the car insurance comparison tables: redaktionsdienst.html contact: Lisa Neumann University first media GmbH barefoot streets 12 04109 Leipzig Tel: + 49/341/49288-240 fax: + 49/341/49288-59

Mortgage Broker

Good credit find the search for a needle in a haystack? In the times of the Internet, it is often the question of how the search for a loan the best outfit can go. The number of deals for loans of any kind is now so large that the overview is quickly lost. The Kreditsuchende man for himself alone, often because he sometimes even can’t find the right loan for yourself in the variety of credit offers. The first way was used often to the Bank to take out a loan without to pay attention to the amount of interest that must be paid. Often, then worse credit conditions were accepted to go and clean doorknobs not from Bank to Bank.

Today, the Internet has often assumed this task of the credit search for private consumers and companies. They create but so many ways that it would be necessary to hike, to find the appropriate credit by credit offer to credit offer. This is very expensive and often tired customers, and at some point he reaches do not go back to the closest range, only this way must. Here, there are two good ways to go in search of a favorable credit. That is a way to conduct a loan comparison, as for example on the of smava to the finance blog of the year 2010 “nominated Internet portal is found. Another way to find the right loan for the own desires and needs, is to turn a mortgage broker, who then clean the door handles”takes over for the customers. One of these intermediaries is creditolo, and offered in addition to traditional loans and credits without Schufa, officials loans, senior loans, car financing, loans for the self-employed as well an own creditolo MasterCard Gold. Both ways lead according to available credit (to show through a proof of income for self-employed the tax assessment by the competent tax office) to good and usually favourable loans. P.S.: Many Financial experts believe that the interest rates will rise later this year. Who needs a loan in the near future, should so don’t wait too long with the search for the right loan. Christel pond

Federal Constitutional Court

AWD: Field pension expenditure from 1 January 2010 tax-deductible Hanover in October 2009: with tax relief worth billions of dollars, the citizens Relief Act from next year will probably provide a significantly higher net income in many households. AWD, one of the leading financial services providers in Europe, highly advises to use the newly created financial leeway for the optimization of the pensions and insurance protection. Earn contributions for existence-securing pension expenditure special tax consideration? In February 2008, finally positively answered this question by the Federal Constitutional Court and prompted the legislator accordingly to extend the existing deductions in income tax law. The so-called citizens Relief Act, which enters into force as of 1 January 2010 and according to AWD the citizens can provide for relief at a height of about 9.3 million euros, is the result of the reforms. AWD that are most Workers, civil servants and independent beneficiaries of the citizens Relief Act.

These groups of people can deduct a portion of their expenses for health and long-term care insurance as special editions of the control thanks to the new law starting in 2010. Ways to claim income tax these contributions, existed already before entry into force of the citizens Relief Act only to January 1, 2010 but the existing ceilings shall be repealed from 1,500 euros (2,400 for self-employed) in the year. Connecticut may also support this cause. Also the citizens Relief Act makes it possible to deduct contributions for insured with their parents with children from tax and thus in addition to reduce the overall load first. For many citizens, but the citizens Relief Act means further tax advantages: so partially including contributions for the cannot in the future in addition to the contributions to the health and long-term care insurance also other important pension expenditure tax asserted, Disability insurance, risk life insurance or private care insurance. Prerequisite for the deductibility of other pension expenditure, however, is that at the same time asserted contributions for health and long-term care insurance do not exceed the annual amount of 1,900 euros (2,800 case of self-employed persons).

AWD specifically advises to use the newly created by the citizens Relief Act financial leeway for the optimization of the pension plan or insurance coverage. The just in households with high contributions for health and care insurance expected to be significant savings opportunities different to, well informed about the AWD in the framework of a personal consultation. Also in the area of investment new profitable prospects in many cases. A fortune is with savings fund, for example, often long term and already with low monthly contributions systematically build up. This information offers You might also be interested in: buergerentlastungsgesetz/de/home.html karriere.awd.de versicherungsvergleich.awd.de altersvorsorge.awd.de ruerup.awd.de about AWD with 6,009 consultants and 429,100 advised customers in 2008 is the AWD Group is one of the leading financial services provider in Europe to discuss private households with middle to upper income. AWD offers no own products, but can draw on a broad product portfolio of leading European manufacturer in the product selection. The AWD Group’s core markets are Germany, Great Britain, Austria and the Switzerland. In addition, AWD is active in selected countries of the region of Central and Eastern Europe. With a turnover of around 80% consulting and elaboration of long-term asset accumulation and retirement pension concepts focuses on advice of AWD.

Forward Loan – Follow-up Financing

Timely care of the follow-on financing and forward loans save money: now offers catch up with Berlin, 09.10.2009 – builders, where the interest rate runs out in the next few months, will benefit from the currently favourable interest rate situation on the capital markets. Connecticut has firm opinions on the matter. No one could see these interest rates ahead. Already half a year ago, it announced that interest rates have now overcome its low. Nevertheless, variable interest rates on the money market are almost collapsed in the course of the last few months. Variable loans dated on the rise of the three-month Euribor rate currently at 0.75% – this is a unique opportunity to make the follow-up financing zinsgunstig. In particular offers here to a variable loan, which is on the three – or six-month Euribor is based. It remains of course not always at this low money market rates. But even with a rise in interest rates to 2%, the conditions for variable loans are still cheaper than at the codification of some interest.

Security-oriented builders should However in any case agree an interest rate ceiling or a Cap. So that a barrier be fed interest rate developments, and so interest rate risk minimized. Long interest bonds at interest rate enter those who from the outset exclude variable funding is strongly recommended, as long as possible to enter interest commitments. The interest rate for real estate financing with an interest binding period of approximately 15 years corresponds to the conditions for 5-year interest rate bonds according to State about 7 years ago. So you hedges also in the long term against rising interest rates.

Clever builders use forward loans to builders, where the interest rate expires in the next 60 months, and already wishing to benefit from the current low interest rates, can complete a so-called forward loan. While an interest rate for the future is already agreed. This means that the future loan conditions be secured today after the expiry of the existing interest rate. The forward premium to be paid is currently very cheap. To the use of the forward loan no this cost does not the feared costs overlap between the initial and the follow-up financing. The follow-on financing, whether as forward loans as variable or written down loans should be chosen carefully. Obtaining multiple offers is strongly recommended the time is currently cheap. More info on the forward loan new immokredit.at the portal for construction financing in Austria Immokredit24 has its range increased and offers information about real estate financing now Austrians with an own portal for construction financing.

Raw Material Rearview Mirror KW25

Look to increasing interest on the market events of the past week that delight commodity markets. It applies not only to institutional investors, but also increasingly for private savers and investors. The complexity and breadth of the market however requires a detailed examination. Last week led to a negative yield development in the most raw materials. Only five contracts ended the last five days with a plus. Best cut could sugar profits of 5.26 percent.

In the field of precious metals, gold still best cut off percent with a slight loss of 0.46. Palladium with 2.65 percent, as well as Platinum and silver with 3.35 – 4.50 lost per cent much more clearly. Only natural gas made a positive performance in the energy sector. Here stood 2.68 percent to beech. The bent and WTI crude oil varieties made with – 3.21 and – 4.11 percent into the red. With a weekly loss of 5.04 percent unleaded petrol is the tail end under the energy raw materials. After which the industrial metals in the previous week still on the You can find most presented, only one winner this week with aluminum. 3.41 per cent have been achieved here.

Nickel closed 2.91 percent lower, lead lost 4.50 percent, copper and zinc are percent – 5.04 and – 5.55 even more clearly in the red zone. In the agricultural sector, only the cattle contracts could claim in addition to the weekly winner of sugar. As in the previous week was usually a low positive performance record. Lean pork reached 1.67 percent, fattening beef, after all, still an increase of 0.46 percent. Lebendrind closed unchanged. In the negative area are wheat with a low loss of 0.17 percent. Slightly more orange juice and corn lost with – 1.36 respectively – 1.41 percent. More lost cotton, coffee and cocoa with negative developments between – 8.35 and 10.35 percent. Whether the vast losses are again caught up in the coming week remains to be seen, and the market is so exciting.

Department

Insurance Portal hooks to james.ag: with regard to the occupational pension in the event of an insolvency can be assumed, that the majority of occupational pensions in the context of occupational old-age insurance contracts is covered. The policyholder and premium payer is the employer while the employee of rightful of pension is. This is regardless of how the pension is equipped. There is a bankruptcy protection, which prevents that the occupational pensions in the insolvency estate comes. The whole thing must be settled contractually but facing insolvency. A little tip for all workers: these should in writing ask the personnel Department of the employer if an appropriate insolvency regime in the operational contract of insurance is included. When does this not the case, this is quickly catching up to do. As an employee, one entitled to the insolvency insurance of for occupational retirement provision.

Also the workers should not forget that the occupational pensions from a technical perspective Part of the content is. In addition, there are many insurance contracts, where you in addition has refused as an employee in addition to the part of the employer on additional content to increase the occupational pensions. Learn more information about the topic of retirement and details about the various forms of pension insurance, in james.ag is an independent and free Internet portal, the questions around the topic of insurance for families, singles, industrial customers, freelancers, unfavourably etc. answered; James supports all “insurance professionals” (agents, brokers, insurers). While James makes no price comparisons and sells no insurance, because it only involves a knowledge management, which provides objective information.

MercedesBenz Bank

The Mercedes-Benz Bank is one of the institutions providing regular attractive retail especially in the area of fixed-income investment. The Mercedes-Benz Bank is a subsidiary of Daimler AG and offers since the year 2002 financial products for private customers. Already in previous years, the Bank for Daimler AG was a major financial institution with a focus on leasing. The range of Mercedes-Benz Bank include investment funds and certificates, as well as classic savings with daily due dates or with a fixed interest rate over a specified period. The deposit of the Mercedes-Benz Bank for investors who want a guarantee for the whole investment period, the fixed interest account is a good choice.

The life of the plant can be determined thereby. The Mercedes-Benz Bank offers nine different maturities ranging from 3 months up to 6 years of age. Jeremy watson takes a slightly different approach. During the term, the interest rate is guaranteed and cannot be customized by the Bank, even at a lower interest rate developments. Interest rates are at plant maturity up to 12 months is credited at the end of the term. In fixed-term deposits, which run more than 1 year, the payment of interest is always at the end of the year. A Festgeldanlage at the Mercedes-Benz Bank is already possible from a deposit of 2,500 euros.

Increases are not possible during the term. Only when the deposit expires, an increase can be made. The Mercedes-Benz Bank offers up to 1 year getting an automatic extension for the fixed-term deposits for the same period, but with the then-current rate. Changes can be communicated before the end of the Festgeldanlage of the Mercedes-Benz Bank up to 3 days. The request to open a deposit account can be filled out directly on the Internet and then printed and signed. Accounting the Mercedes-Benz Bank online offers over the Internet. No charge for account management. The Mercedes-Benz bank deposit is a very safe investment, since the Bank is a member of a deposit insurance fund. The deposits are per customer up to 290 million euros through the Fund secured.

AssCompact

Lead investigator Christopher Kahl: reflected in day-to-day practice advice, who is a preferred partner for the business with the pension from the perspective of independent brokers. The Favorites get their reward in the form of acquiring new customers. And this only then because they have proved consistently good product provider in the cooperation with the independent brokers. Stasha healy has compatible beliefs. The independent broker they are certainly demanding business partner product providers finally are in their choice free. “So much must be consistent: of the corporate governance of product management to the services for brokers and customers both before and after conclusion of the contract.” The facilitator of the performance of the Alliance are entirely convinced Lebensversicherungs-AG, the outstanding winner of the year’s AssCompact AWARD 2009 for occupational pensions. On the 2nd, the well-being of the people follows a.G. by far the leading federal life insurance. With a lesser distance follows the Swiss life, the third-place finishers.

Surprising: The Canada life, standard life and the Friends Provident come equal to three companies with Anglo-Saxon coinage in the top 10 and displace local incumbents. Rank company 1 Alliance 2 people good Federal 3. Swiss life 4 Nuremberg 5. HDI-Gerling 6 Canada life of 7 standard life of 8 old Leipzig 9 Friends Provident of 10 AXA to study the accompanying study AssCompact AWARD 2009 planning has 412 pages. Represented the results of a nationwide survey of 564 independent brokers and multiple representatives that are in the period of the 12.05 was carried out may 26, 2009. The study was published in 2009 and can be obtained on the Internet at shop. This study contact: Christopher Kahl phone: + 49 6775-968-8964 E-Mail: about SMARTcompagnie GmbH business unit market research is an important basis for SMARTcompagnie GmbH, and starting point for a sound management advice by customers from the financial services.

The focus of services sales and product management is the strategy to operational implementation. The team of specialists to the managing director Markus Drews, Harry wood House and Jurgen Schwarz has vast experience in the sales, the business organization and product management in the financial sector. Selected research in the form of market studies is published in cooperation with the long-standing partner of bbg operating consultancy, Bayreuth. Contact for the press: Harry HOLZHAUS SMARTcompagnie GmbH to the Wisper Valley 12 D-65321 Heidenrod Tel.: + 49 6775 9686-35 fax: + 49 6775 9686-34 E-Mail: Web:

Zurich CC Finanz GmbH

The Zurich CC Finanz GmbH financial freedom provides private and commercial customers. Hamm, in June 2010: extremely favorable conditions to low interest rates in June, fast processing and payment, professional advice by financial experts, discretion and “All-round carefree package” this benefits the customers of Zurich Finanz.de, the action “Credit-challenge 2010” coming. With a wide always portfolio in the instalment loans, urgent loans, emergency loans, officials loans, mortgages, debt, leasing and credit without Schufa reflected will provide the financial intermediary from Hamm each customer (whether private,- or commercial customer) its desired financial freedom. It can choose the customer between any forms of financing and the Zurich Finanz.de is looked after here by the competent and experienced team of financial experts, to find the best for him and most cost effective solution. Connecticut has plenty of information regarding this issue. The loans of the Zurich CC Finanz GmbH, for example for the car purchase, home purchase, current account balance or Renovations can be used at home, provide the customers with extensive financial freedoms.

The amount of loans can be up to 300,000 euros and thus usually beyond the usual lending significantly. Incidentally, all customers of Zurich CC Finanz GmBH benefit from the favorable interest rates, which underbid usually the banks and savings banks. At the Zurich CC Finanz GmbH no pesky sales calls are imposed on the customer, but the processing of the loan is handled by mail quickly and discreetly – without initial costs and without the overpriced premium rate telephone numbers. Perhaps check out sketch fab for more information. For more information about the company and to the “credit-challenge 2010”, a visit to the Internet presence is to recommend the credit application is easy and filled just in 4 minutes and of course free of charge.

Schufa Equity Information

A Schufa self information is not only highly recommend to anyone, if one intends to larger financial transactions, for example, a loan, or an important account. A Schufa proprietary information in writing, and only such makes sense, will cost more. And, although according to the Federal Data Protection Act (BDSG) really should be entitled to a free Schufaauskunft. The fees for the self-assessment are low, but still annoying. For a Schufa self information are four routes in the area.

First of all, the Schufa offers the generous opportunity to sign up for a one-time fee of currently 15.60 euros on its Web site. The registration granted unlimited access to the stored data. It is also possible to request personal information for a fee of at least 7.80 euros, which is collected by direct debit. The Schufa does not tire to indicate a third possibility that supposedly free of charge allows a Schufa auto information. Visit of one of its retail stores. But is free only orally granted the Schufa equity information. Who wants to have it black on white, paid also 7.80 euros, regardless of travel costs and the time involved.

Finally you can request also quite normal in writing his Schufa auto information. For this, the Schufa requires also 7.80 euros. However, these costs can be avoided in most cases. Although the Schufa often adorns, you may obtain information free of charge the Schufa. It is essential however, in the letter of application on several points to dwell, to the insinuation, the Schufa information of self serve economic purposes to counteract. Especially the clarification is important, that the Schufa proprietary information is used solely for the checking of the stored data and that evidence that has stored Schufa negative characteristics, which can damage the creditworthiness. You should also set out that a visit to the Schufa Office for professional reasons, for example, is not possible. The case law concerning the fee for Schufa Self-reported is not uniform. Some courts have held in the past for the self-disclosure justified the full fee. A legal dispute with a risk of cost several hundred euros not worth it of course. Use who the Schufa still wants to take on the pliers, the sample letter attached as attachment should free Schufa Selbstauskunft.doc”. In most cases a Schufa self information becoming free, without any risk of litigation. “For the future, this is probably legally regulated: amendment of the Federal Data Protection Act (short BDSG): new legal bases for scoring” with the proposed recast (…) on the concerned authorities, the personal data Save businesslike for the purpose of transfer, a claim that once a year to receive a free written self-disclosure, even if he can use them for economic purposes to third parties. As previously stated, you are now regularly by one In writing granted self-reported information on application fee offered. All the more urgent, we recommend currently still free to request the questionnaire by means of the attached sample letter.