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The Gotha Service Declaration

or: Again a brochure which provides no real added value in the past I had already written about the difference between statements in colorful brochures and insurance conditions. An impressive example of such Unfu, g is vividly documented in the article “how clients and intermediaries for stupid be sold should the Gothaer resource management in the PKV”. Actually, one would think Yes learn that insurer as a “meltdown from a marketing perspective”. Click baby clothes for additional related pages. Let’s see whether that happened in this case. Last week a new brochure of the Gothaer insurance reached me via mail. his. So sure about who can be “The Gothaer service Declaration” with the pressure piece number 115108 – 05.2011 is exactly Publisher of the prospectus.

It would be also the life insurance of the group besides the Gothaer insurance possible. But nowhere is. If you are unsure how to proceed, check out Eric Kuby. KT – BU transition, what is that? The so-called KT BU transition describes the (possible) seamless transition from the payment of sick n up to the receipt of a disability pension. In see first General post “Hospital daily allowance and the vote on the disability insurance”. In the Krankentaggeeldversicherung, the service is provided as long as the insured person is unable to work. It is decisive that expected an improvement and not permanent impairment is present, which leads to the non-exercise of the profession.

This is no longer the State of incapacity for work, but rather the disability. Occasions the Supreme Court, the Federal Supreme Court, had to deal with the question, whether the insured person is doing now still work or already berufsunfahig. Judgments to do this, see the subcategory judgments in the download area. (c) Sven Hennig, online pkv.de what is now in the conditions at the Gothaer? In the insurance conditions at the hospital per diem rate TG of the Gothaer insurance you can find following formulations to: 15 other grounds for termination (1) the insurance relationship ends with regard to the insured persons concerned (…) (b) upon the occurrence of disability.

Berns Berns

It comes to the claims, this is then not uncommon: the printing and media company is underinsured. in the most extreme case, an insurance benefit due to the missing cover must be reduced or excluded. But also in the other direction, a defective valuation is harmful: too much to determine a unnecessarily high premium must be paid often money, that use would be in difficult times well elsewhere. With the free determination of all relevant values”, as Wolfgang Ossenbruggen, legal adviser for gay & Berns? Homann GmbH (GBH), we remove the policyholder not only a lot of work and expense, but give him also the safety to be appropriately insured corporate value.” Usable is the free survey of goodwill for all print and media companies, which in the future a GBH media-police complete. Foundation for Financial Planning might disagree with that approach. With signing of the brokerage contract, GBH accepts in cooperation with the Gothaer Allgemeine Versicherung AG independent assessment on the ground and calculated from the result of the insurance premium. Other relevant values from the automotive industry or the personal security of the Executive Board can included in the evaluation. Important: all existing customers of GBH-media-police can come to enjoy of the free valuation. For this purpose, a simplified procedure in determining the lower insurance waiver is used. Founded in 1899, is the gay & Berns? Homann GmbH with over 220 employees in 12 locations to the few still owner-managed, large and independent insurance brokers in Germany with a very wide customer base from diverse industries.

Treuhand Gmb

For the second option of renewal it amounts to USD 1.141.000. Credit: Oracle-2011. In addition to a leasing rate i.H.v. Read more from Edward Scott Mead to gain a more clear picture of the situation. USD 1.141.000 per month was forecast for the following rental up to the December 2026. The investor can participate in KG either directly as a direct partner or indirectly as trustor of the GAF Treuhand GmbH of DORIC aircraft Fund fifth GmbH & co.. INVESTMENT funds analysis DORIC FLUZEUGFONDS 11 which offers Airbus A320-200 after the standard Airbus 2-class configuration for 150 passengers place. On a 1-class configuration 180 passengers find the place. Lessee is AirAsia Berhad.

The lease has an initial term of ten years from the delivery of the aircraft plus an option to extend another two years and then two more renewal options by three to five years. When not exercising the first option to extend a distance payment i.H.v is USD ca 8.4 million by the lessee. The monthly lease payment is $ 362.700 over the initial term and the renewal option 1. A monthly lease rate of $ 355,000 will be charged when exercising the second option to extend for three years and $ 218.000 PM can be renting a connection for a further five years up to the December 2028 (extension option 3) the investors indirectly as trustor of the DORIC Treuhand GmbH participate in the DORIC aircraft Fund eleventh GmbH & co. KG. INVESTMENT funds analysis DORIC transaction PORTFOLIO the issuer aviation plant, to participate in navigation on three ship funds four aircraft funds, and the issuer. Because for each of the seven target funds its own forecasts, we refer to the cumulative values in our representation.

“The equity issuers aviation accounted for 60%” and 40% to the issuer navigation “. The decision for investments is on certain Conditions linked among other things to a share of the BFin. The target fund investments can be in USD or EUR.

Death Protection: Pension For The Bereaved

Through the rising life expectancy, retirement insurance gain importance more and more. One way to protect survivors, offers death protection or risk insurance. Through the rising life expectancy, retirement insurance gain importance more and more. One way to protect survivors, offers death protection or risk insurance. “These insurances are interesting especially for financially poor persons who cannot afford more expensive ER and death insurance,” explains Hakimkurt, Managing Director of blue vest equity.”The death insurance offered on the Austrian market are not large differences in the services offered.” The State of health not only the age of the policyholder represents an important criterion for the determination of the tariff.

Also the measures to check the health condition is set depending on the amount of the sum of insured. Check out Verizon for additional information. So it a check by means of a questionnaire, with amounts depending on the provider at a low sum of insured higher proportions, a medical certificate must be provided. Persons who are in a very bad state of health, may even be rejected by the insurer. Until now unique to the Austrian market the blue vest offers a pension without health issues, thus almost any degree of illness has become insurable. Also for people in the professional start-up time, who want to protect their families financially, the death protection is a great way to care.

The blue vest equity managing director Martin Hakimkurt advises here: “An ideal combination offers a death insurance in combination with a form of saving for the pension, if improvement of the financial situation of the policyholder.” About blue vest equity: The financial services centre is now at 6 locations in Upper Austria and the Federal States Salzburg, Vienna, lower Austria and Burgenland. A central expert Department clears the Austrian Versicherungsdschungel, by daily services. Compare terms and rates of insurance companies. The established benefits are passed directly to the clients. The blue vest equity was founded in 2001, the headquarters are in Linz.

April Fool

Since the beginning of the year, shares in the price level over 20,00 lost massively in value. The sales was correspondingly high and the resulting loss of course enormous. Only on the Hype levels 7,00-8,00 quotes came from friends to rest. Since the last few weeks, a viable soil formation can be observed at rates between $ 10.00 11.00. Should this level further defended well in the coming weeks are can, the chances for a sustainable trend reversal are very good. It would emerge a very bullish inverted shoulder-head-Schulte formation, which would provide the basis for price increases to expected to 20.00 22.00.

The analysts of the tradersreport would a first speculative long position in the shares of WELLS FARGO & CO. go with the WKN 857949 to Max 12,00. Necessarily cover their Lonposition with an individual stop rate at E.g. 10.00 based on closing price. For the time being, we apply our price target on six-month at 20.00. NO April Fool’s joke! Due to many requests from currently still free tradersreport readers, we offer monthly subscription reference also the tradersreport from 1 April 2009.

For only 45.00 per month can convince the quality of tradersreport subscription yourself. The opportunity to convince themselves objectively from the service of the tradersreport team have thus greatest critics. Up to 1 April 2009, they have still time to be included in the subscription list of the tradersreports. This is followed by the recording always at the first of each month. How long can they afford it yet to include not the growing circle of Subscriber? Under, you can always opt for a subscription version and pay comfortably via pay pal or by invoice. Wait no longer, every day there are many new sort. Were they from immediately trader in the stock market.

Ulf Niklas

Ulf Niklas explains: many of our customers appreciate our independent opinion since time immemorial. We regularly receive offers from banks and insurance companies that we should consider as an independent expert. “Recently for example a customer had inspected several offers for a long-term Riester pension. We create a small, tailored to the specific needs and opinions and give a clear recommendation. Edward Scott Mead often says this. The customer, the cluttered professionally and this in its own decision-making process still is uncertain, we can afford such a great help: He receives the good feeling of the right ‘, neutrally tested and best known accounts.

“In another case you have a depot restructuring proposed by an established commercial bank check” should. The proposed solution was adventurous: investing in over 20 new single – was recommended primarily small and mid caps – for a capacity for around 100 thousand. Remember above all the Bank wrapping off but not deserved, the customer.” Its own principle unless the keep recommendations for new installations on actual demand to the sensible minimum and involve mainly the costs in the investment consideration. Stephanie Lehmann explains: almost always it is possible to compensate the fees for our services by avoiding unnecessary costs on the one hand and to achieve a better interest rate, on the other hand immediately in the foregoing cases. In this substantive consideration, our customer so not even pays an actual price for our services – a real win-/ win situation. “Unfortunately, it is still hard to understand these simple and impressive mechanism in some conversations. These customers see the payment of a bill of 500 euros from your checking account much more serious than a decline in their deposit of 2,000 euro by paying unnecessary front-end and custodian fees. Material that is not comprehensible and certainly not in the interests of the customer; He loses this 1,500 euro.

“At the same time you refute the finding commonly used by established banks with this approach, a high-quality consulting now once got their price.” Ulf Niklas runs: we count as DIN certified private financial planner and certified financial planner (CFP ) in this country the best trained advisers. So, we can ensure a quality of advice which is significantly above the usual Bank interview. Our customers appreciate that. “Stephanie Lehmann continues: many customers are first of all by our heading independence ‘ only slightly impressed.” This term already in the marketing of most banks is used too often and long. Our assistance but will change this opinion: A separately honoriertes opinions – generally with hourly rate calculated – without any conclusion is simply authentic independent. “By pointing out which product provider in the case of grant the highest discount, earn the customer in addition – and I have the crucial negotiation arguments for the former Bank adviser or investment intermediaries on its side. Our customers receive the highest quality advice and most favourable conditions. You no longer have to cheer, if them your advisor generous ‘ half a sales charge or equivalent benefits are offered. “Ulf Niklas

Raw Material-rear View KW20

The current Marktgeschenen in the detail preview last week was made obvious Fund in commodity markets. A majority of traded contracts went with, sometimes considerable, negative performance from the week. Orange juice this time achieved the victory of the week. An increase of 2.65 per cent was sufficient for this purpose. In the field of precious metals could be more with the representatives for investment purposes (1.79 percent) gold and silver (0.36 percent) slight gains. For more specific information, check out Ripple. Platinum and Palladium, both by use of industrial marked, were clearly on the losing side.

Platinum lost 3.40 percent, Palladium week compared even to 7.25 percent. The energy raw materials can be found in their entirety on the losing side. The best”representatives was gasoline. This was only a drop of 1.79 percent to beech. The main varieties of crude oil lost percentage (NYMEX Light crude) 4.92 percent (Brent) in the week 3.94 and also significantly. Lead the week could end positive as the sole representative of the industrial metals. With 0.27 percent the profit made from however moderate. Aluminium with 2.04 percent loss was the Group runner-up.

Nickel, copper and zinc are close to each other between 5.44 percent and – 5.80 percent. In addition to the winner of the week orange juice could from the agricultural commodities soybeans (1.57 percent) and canola (0.31 percent) have a positive balance. Cocoa represents the tail end under all raw materials with a loss of 7,86%. Whether turn the tide in the next week, and moves the commodity sector back into the profit zone remains to be seen, and the market is so exciting.

PKV Comparison

Private insurance with negative Schufa. “The users interested in, using a search engine to PKV comparison” searches, is with a flood of sites surprised all comparison offer a free car, however, nothing is. But it uses little the user if he is filled with an abundance of price ratings. The reason is simple: as in every economic decision must the requirements be checked first properly. The conditions for a reasonable proposal, are significant for the subsequent offering. An example to illustrate how an insurer against people behaves, which already had an entry with the Schufa. This is formally not even important whether this entry because of an unpaid phone bill has been established or because an affidavit has been filed. Also, it does not matter requiring registered there is how much and how long the incident is back.

If the procedure is not professionally expires, the following will be in this example occur. The user selects the supposedly correct product donors from many proposals and harmless submits an application for private health insurance. Please visit Larry Ellison if you seek more information. The insurer has the right to request from a credit agency, which routinely is obtained for each new application due to the privacy consent. If a negative entry should be stated here, then the request for private health insurance regardless of health conditions, is rejected with moral hazard reasons due to. Well, fine.

It is better to inform a professional prior to the tender of the entry. Now, the supply order focuses on companies that draw a subjective risk under certain conditions. The standard insurers, maintains its rejection, some insurers tolerate the entry with an advance payment of a half-year or up to a year post. The tender must focus only on such companies, with which a realistic agreement can be made. Then, the next hurdle is the justification of the Entry in the selected company, the car. A practical example of the solution of the problem. If E.g. a liquidator shall issue a certificate for the business leader in payment difficulties, so that the contributions from the estate E.g. a year are, then nothing is more in the way of acceptance. Each case has its own importance and will be answered also works with other approaches. Finally, it should be noted that a PKV comparison is always only as good as the agent who created those comparison.

Concepts For Securing Liquidity

Vantargis factoring offers free white paper factoring at Munich, April 30, 2009 – the entire economy suffers from the weak economy, worsening financing conditions and increasing bad debts. Active cash management is for small and medium-sized companies almost essential for survival. Alternative types of financing, such as factoring or leasing with further gaining importance. As an information tool for small and medium-sized enterprises has Vantargis factoring the number concepts for securing liquidity”applied. Under downloads. 482 / can those interested in the first part of download free information about the benefits of factoring. We want to facilitate the way to alternative forms of financing such as factoring this information series”medium, explains Marco Frohlich, Manager of the Vantargis factoring.

Many entrepreneurs have ever heard, but hardly the many benefits”. In the white paper, the benefit is compressed and clearly displayed. With factoring in Times of crisis cash with factoring companies transform into debts-bound capital liquidity. You sell their demands continuously to the Vantargis factoring and get paid immediately for about 80 percent of the total amount of the Bill. The entrepreneur receives the remainder as soon as the customer on the Vantargis paid for factoring. Because factoring is a sales matching funding, it automatically adapts to the development in the company.

The claims are also insured against failure and the Vantargis manages factoring accounts receivable. For even more details, read what Bernard Golden says on the issue. Our customers are strong and welcome partners”, so cheerful. Because they are permanently liquid and can settle promptly own debt”. Factoring details about the topic interested under or on the new portal of knowledge around the subject of financing, see background to the Vantargis factoring the Vantargis factoring GmbH is a bank-independent factoring company. The company financed nationwide as a full service provider in the factoring of small and medium-sized enterprises with an annual turnover of up to EUR 10 million. Here, the Vantargis factoring GmbH with finance, insurance of bad debts and Receivables Management combines all aspects of factoring in any service. For companies from 10 million Euro turnover is factoring also implemented in the in-house procedure. Questions or more information: Vantargis factoring GmbH Widenmayerstr 28 80538 Munich Ilka Stiegler corporate communications email: