Month: March 2018


Vorabanfrage Insurance

March 20, 2018

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And as insurance must try to insure people who are not berufsunfahig to an insured person, who receives disability pension also can finance, yes exactly checks whether an application or not accepted. But not only the fear of the insured could be berufsunfahig before retirement due to mental illness, the insurer makes careful. There are also the health dangers that brings especially high obesity with it. Cardiovascular diseases are here to speak, but also joint inflammation, diabetes and more. Is recognizable for the insurer that an eating disorder is currently available, which also handled, a launch of a disability insurance will hardly be possible. There is however no distinction when possible, when no longer.

Affected parties should find therefore a consultant, who is independent, and also before application of different (!) Insurers medical Pre-confirmation can perform. A medical Vorabanfrage is anonymous. Specified are age, gender, desired occupational disability pension, vocational and health problems of in recent years. The insurer can answer it without any obligation. But even if the answers are not binding, a successful conclusion, a conclusion with exclusions or risk or even no degree give them a good overview of what is possible. Who can make no conclusion, should not despair about getting. Hear from experts in the field like Larry Ellison for a more varied view. Approximately 75% of citizens do not have this important protection.

The reasons are varied. Partly lack the funds for the contributions, it is partly simple ignorance and the part is just pre-existing conditions. However, the protection is important and who can’t get him, aware of the fact be that the support from the State in the case of a disability or incapacity is powerful lean. Who gets no degree, should play intellectually exactly therefore the situation of occupational disability and any other care, so make savings. A conversation with the family, where exactly is, clarified how it could help in an emergency, can be helpful. Contact: Antonie Muller bergmannstrasse 14 80399 Munich E-Mail: a.mueller (at) studentenmail .de Web: which has Portal Guide berufsunfaehigkeitsversicherung.de turned the questions about the disability insurance. The portal is completely independent of the insurance industry.


Occupational Disability Insurance

March 20, 2018

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The teaching has started, but it already needs protection? Thousands of young people have now the first two weeks of training behind him. To the training start, reads and hears everywhere by the disability insurance for trainees. What is the assertion that it would take the insurance already? You can be berufsunfahig at any age. The risk not to be able to exercise his profession, always exists. A published study of the magazine in July focus found that 43% of today’s male career starters in the course of their careers will be berufsunfahig. That is almost one in two. Women their profession no longer can exert to 38%.

The reason for the demanding on messages to the disability insurance in the last few weeks, on the one hand in this high risk, but also in the missing legal safeguard for trainees. Who is suddenly berufsunfahig during his apprenticeship, mostly unaware of father State receives. Since it bad enough is that a serious Having suffered a stroke of fate, which has led to the disability, obstacles in the way should be placed a young people not even in financial terms. The disability pension can help himself after the sad event back to move on and start again. Who would like to complete a disability insurance, should inform themselves well and compare terms and fees. Some insurers offer only a disability protection during training. Then only one would receive a pension, which can work in any other profession. The inclusion of a guarantee of insurance is important. Thus, the pensions of the professional and personal development can be adjusted without having a health review is due. finads GmbH


Insurance Cover

March 20, 2018

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Tips for the conclusion of the contract protect from nasty surprises you can protect themselves against injustice? Disputes often end in court with the neighbors, with the employer or on the road. Insurance can protect the defendant from huge legal fees, witness funds or expert fees, making the right affordable. For potential legal protection insurance, the insurance Portal finance-store.de made a tip list together in the consumers comprehensively can learn about contract details. These include among other things the differences between different types of legal protection or contract customization changes the situation. As legal expenses insurance products are responsible only for certain disputes, the policyholder must check before contracting out, that he chooses the correct type of redress or a combination package corresponding to his needs.

Tip: The insurer should take Member Versicherungsombudsmann e.v., an initial consultation by phone and the choice of law left to the accused. In addition, policyholders on the optimal coverage, the appropriate scope, right of withdrawal and cancellation policy must pay attention. For singles, seniors and single parents, there are often cheaper fares that make worthwhile comparing the right insurer. However you may not hedge against any dispute, so there is some risk exclusions, particularly with regard to the active case-law, disputes relating to construction or real estate acquisitions and some others, which is called the Advisor. If there are no or only low prospect of success in a litigation, a legal expenses insurers can also refuse performance. Thus, the insurer of an excess of claims or even provoked disputes wants to avoid.

A proverb says: in court and on the high seas, it is in God’s hands. This much is true. In addition, costs, resulting from a dispute, can threaten the existence of. Therefore, the legal expenses insurance, provides Despite possible denial of service, an essential component of basic insurance dar. finads GmbH


Insurance Tips

March 20, 2018

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Hints and tips for a smooth transition for a number of workers changed to January 1, 2010 the State health insurance. Which introduced, 3 – year period is now exceeded by many in 2007. Introduced regulation of workers is only insurance-free (and can thus change PKV, private health insurance,) If this exceeds the insurance limit of 3 years in a row. This is regulated in 6 of the social security code V. (1) Versicherungsfrei are 1 workers and employees, their regular annual pay according to the paragraphs 6 or 7 exceeds the year work remuneration and has increased in three consecutive calendar years Premiums, which are paid with respect to marital status shall be disregarded, therefore the workers must have exceeded the following income limits in 2010. 2007: 47.700 EUR, 2008: 48.150 EUR and 2009: 48.600 EUR more condition is also a likely exceeding the limit for 2010 this is 49950 EUR.

Only if all four conditions are met, can the workers now privately insure and emerge from the statutory health insurance. But it doesn’t happen. This is regulated in 190 B SGB. (3) the membership of persons whose insurance expires after 6 para 4, ends at the time provided for in this regulation only if the Member within two weeks after the insurance company about the possibility of leaving explains his departure. Coupang wanted to know more. The outlet is not explained, the membership as a voluntary membership continues. This means in practice, which is to wait for the release of the health insurance fund. Applies here, however, that a withdrawal can only be activated if a certificate of insurance will be submitted on time. This is not so, membership as a “voluntary membership” persists and regularly may be terminated with the period at the end of the following month. Let sufficient time with choosing the right private Health insurance. Before you rush into something stay please prefer some months longer in the statutory health insurance and cancel then later regularly. Further information: selection criteria for private health insurance and pdf questionnaire (* PDF) Guide to private health insurance (* PDF)


Child Accident Insurance

March 19, 2018

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You can look forward protection for children during serious accidents when children grow up, learn skating, are active on the playground with friends and play sports, as a parent. But how is it, if an accident happens to the children? A targeted hedging about a private child accident insurance is very important. A serious accident can entail high financial burdens and the statutory accident insurance is not enough mostly because they usually only in the kindergarten or school or on the way there and back pay. Accidents in leisure of State protection does not attack, however. An optimum hedging provides children accident insurance with 24-hour cover, large insurance sums in various areas, significantly improved security conditions and of course a very reasonable price. Insurance broker Dipl.

ok. Karsten Werksnies: Is the offer variety of accident insurance policies for customers even hard to overlook. However, especially for the protection of children a sufficient insurance cover should be present be. If you find a cheap provider, a comprehensive accident protection for his child already receives for a low subscription fee. KIDS children accident insurance is comfort, for example, 6.85 euros available with a comprehensive service package.” Include large insurance sums, improved conditions, but important also for parents additional services such as the rooming at the hospital in the first place, i.e. one parent can stay as a companion with the child after an accident in the hospital. More information for children accident insurance as well as the possibility of an online contribution calculation including Sofortabschluss 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 Kellinger the company Bergische insurance broker was founded by the diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker.

With the website has focused specifically the company on the needs of private individuals and professionals, who 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 characterized by a very high market coverage, highly trained Employees and offers tailored to specific audiences out. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.


Online Marketing

March 19, 2018

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AND THEIR WEBSITE IS A VISITOR MAGNET… The online marketing agency eMagnetix from Bad Leonfelden in Upper Austria is a young Start-Up company that 2009 was lifted out of the baptism. It came to the creation of the Agency by the two managing directors who already know each other from school, have decided to pool their knowledge and professional experience in the field of online marketing. The result is thus eMagnetix Online Marketing GmbH. At the beginning, the company as employees counted only their two managing directors. Today, there are six fixed employees and numerous other freelancers who can be engaged in Bad Leonfelden. Such rapid growth was only possible where you already at the beginning of the business convinced large and well-known companies of the own competences, could win them as customers and with their reference finally received more orders.

An excerpt from the reference list shows that this strategy was more than successful. So, for example, it supports online marketing eMagnetix today Agendas of the mobile phone provider A1, PEZ candy manufacturer, of Upper Austrian listed fire supplier Rosenbauer and Vienna energy utility energy. Recently, did the total 100th customer signed and sealed. eMagnetix sees itself as a competent and reliable partner for its customers in all aspects of online marketing. For this reason are not only finished at eMagnetix services sold, but customers that even extensive advice and informed.

The company’s core competencies lie in search engine optimization or search engine marketing, but also to new methods such as social media marketing or mobile marketing. In addition, the Agency offers its own online marketing seminars. Seminars are held here several times a year on various topics, whereby the basic concepts and opportunities in online marketing discusses the participants. As the target group for these seminars of are marketing executives and Managing Director, small and medium-sized enterprises. There are three seminars on the program which you even can log on to the part for this year. Press contact: eMagnetix Online Marketing GmbH contact: Verena Fleischanderl Tel.: + 43 (0) 7213 609 77 E-Mail:


Horacio Pozzo

March 19, 2018

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What remains of the entity, the bad part are the toxic assets that will remain in the hands of the State, or that will be assumed by the taxpayer. There is no doubt of that process will generate a radical change in the structure and composition of the financial system. Even the reform in its regulation, will also involve changes in its dynamics. It is for these reasons that this process of reorganization of the English financial system will not be immediate and it can extend for several years. While the British financial institutions with problems are more than concerned, with its executives sleeping only a few hours daily since they live crucial moments for the future of their companies, other banks come to these institutions with interest of acquiring them or at least part of their business. Santander would be interested buying 312 branches that Royal Bank is in England. Thus, the organization headed by Emilio Botin could consolidate its presence within the British banking and position very good shape to compete for the market. From the Liga although not be It has explicitly shown any interest, is seeking to regain lost ground in its competition with the Santander who has released several bodies of advantage thanks to its aggressive internationalization strategy that has led him to increase its presence in key such as the Latin American and the American markets.

Beyond’s success may have the British Government to stabilize the financial system, will be key to the future soundness, advances that are made on regulation, to avoid that it may lead to a crisis such as the current situation. Probably ourselves in the future with a more atomized banking system and a higher level of competitiveness, although this will not ensure fully good risk management. But this much won’t matter to those who want to take the opportunity to position itself in this market so tempting. Horacio Pozzo economics to understand the Chinese economy markets back to the path of vigorous growth. This will generate great opportunities for commodity-producing economies would you like to know future investment opportunities early by deciphering the information that provide us economies? To understand how the economy determines the great movements of the markets, became the basic economics for investors course which will provide you with the basic elements to understand the functioning of economies and anticipate its trends and markets. Click here to purchase the course. -Original author and source of the article.


Invalidity Insurance

March 19, 2018

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Supply gaps after the federal civil servants act for invalidity can be brought into retiring civil servants when they are no longer capable of because of a physical illness or lack of physical or mental forces to fulfill their duties in the long term. The social protection of civil servants is often better than the protection of “normal” employee or self-employed, however, revealed financial losses if the profession can no longer be exercised. A disability insurance offers sufficient insurance cover for civil servants only if an invalidity clause in the insurance terms and conditions. This is offered only by very few insurance companies, so many officials with a normal occupational disability insurance in the case of invalidity can get problems with the performance of the insurance. “In practice this may mean that, for example, a teacher or COP invalidity put in retirement is he this but still not automatically considered invalids and his insurance does not therefore apply,”explains Diplom-okonom Karsten of Wallace. Special attention should be paid when the invalidity insurance on the different quality of this clause because some insurers offer only a watered-down version. Independent intermediaries can find here about the pros and cons of the various clauses. A look at the process quotas of each provider should be thrown next to a comparison of prices and conditions of invalidity insurance for civil servants.

“First and foremost certainly quality insurance conditions when selecting the right provider and tariff are crucial, in addition to the price so that there are no problems with the payment by the insurance company in case of the invalidity. If the appropriate insurer at the same time still has a lower than average rate of process, this must be considered of course positive.” More information to the Invalidity insurance are for civil servants, as well as the requirement of an independent comparative calculation on the Internet page. 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 Kellinger the company Bergische insurance broker was founded by the diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker. With the Internet presence the company specifically to the needs of private individuals and professionals specialises in who 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. For different professions, such as, for example, students, apprentices, entry-level or certain traders are special rates available. 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 an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.


Detective Services

March 18, 2018

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Detective action and mystery in the reality but not always very tense is the work of a detective, a diverse field of activity a touch of tension is liable the image of detective: lengthy observation and finding out information can go to the substance and being sometimes slightly boring. If you have additional questions, you may want to visit Allegiant Air. However, and large it is the profession of detective actually a diverse and interesting job that requires a lot of things: analytical thinking, a good monitoring and rapid comprehension, discipline, secrecy are only a few aspects on this it arrives, if you want to be an investigator. Detectives on the Internet find an investigator you need for its own purposes, without that you would like to contact no matter what reasons directly to the police, then you should move the best on the Internet and there look around after an appropriate detective Office: online most provide a presentation of the field of their activity, demonstrate expertise and experience and offer a clear initial information for the uninitiated. Usually have the least experience in dealing with a detective agency as the least know a detective personally. Sure, you know the store detective, but mostly it will award the contract hardly one of those with a personal case. On the Internet you may contact however, whether there is a competent and professional investigator in his vicinity and what specialties he can have.

Detective much information, especially in cases concerning the private life of a detective is contacted frequently to record various details and clarify outstanding issues. For this reason, it is also important, that the detective appears trustworthy and discreet so to ensure that cases can be identified well. Also unobtrusiveness is an important criterion in the choice of a detective. What else should look, if you need a private detective, you can learn on the Internet.


Tablet PC Property

March 18, 2018

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METHOD DR. BARZEL real estate online rate more and more customers will take over the work that were provided exclusively by service providers without the Internet. For example evaluating a property is carried out including the answer of an online questionnaire, by customers. Information on the property, formerly a real estate appraiser, brought by interviewing the owner on the spot to paper to evaluate them later in the Office, may be today directly collected from consumers on the Internet and brought to the evaluation. Cooperation by simultaneously providing accurate location data of the real estate valuation service, the object information collected by owners or real estate buyers directly with the valuation system are merged.

After completion of object data for House, apartment or plot, users immediately know how much your property is worth. Equipment in the household or Office on the PC, Tablet PC or Smartphone is provided a detailed assessment of real estate consumers. This can on its own Hardware stores, sent or brought to paper. This means that customers can apply to collect information on the own property itself. You use for your own devices and, if prints the valuation should be separate paper. Just the facts include the evaluation accuracy of residential real estate is encouragingly high about the self-service.

The reason is among other things, that the determined real estate guide is achieved by object knowing the owners or buyers, as well as by current location data of the service provider. Unlike offer comparisons or rough estimates only object-related data be in the online real estate assessment applied. Emotional influences of the buyer’s or seller’s side remain real estate valuation method Dr. Barzel account. Self-service is booming this kind of service provision, in which consumers play a part of the service itself, is becoming increasingly popular. Prerequisite, however, is that the provided performance expectations of the Corresponds to the customers. In addition, the integration of the part to be provided by the customer must be understandable, transparent, convenient and safe. Ultimately consumers will use the self-service, when in addition to clarity, that ease of use is also a time and price advantage. The cost advantage is in assessing real estate over the Internet significantly time and cost advantage because the self-service customers assume the operational work. Regardless of the location, object type, and the value of a property, the fee for a Dr. Barzel method is flat rate real estate valuation. The low rating costs are in addition to the neutrality and the discretion with which a real estate online assessment to be a convincing reason for the consumer to operate even. Find more information at





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