All Financial Services

Disability Protection

Tips and background information about the selection of the appropriate protection the risk of not being able to exercise his profession for health reasons, until the entry of the pension concerns not only artisans or total physically working groups. More and more members retiring prematurely forced from commercial, managerial and administrative occupations professional life. While at the rather physically working population the disability often cause of damage to the muscles, skeleton or other diseases such as cancer, lead increasingly also psychological causes (such as, for example, the Burnout Syndrome) to do so, that the job may not be exercised at the commercial professions. There is however no legal disability protection more for those who were born after the 01.01.1961. Typically, a life on the breadline threatens if no provision concerning a private disability insurance was made. Individual insurance companies are now transferred in terms of their offer of occupational disability insurance on individual professions to specialize in, to be able to offer particularly inexpensive conditions. Diplom-okonom Karsten of Wallace: A disability insurance must pay a monthly pension in an emergency for many years up to the time of retirement, unless the insured person no longer can perform his job. Because payouts by many tens of thousands come together quickly euro for the entire life of which the insurer to the customer to pay.

There, it is very important to find an appropriate insurance company, which makes clear statements of condition, offering a good price / performance ratio, but also reliable in the payment of pensions. Of course, we’re looking for the cheapest offer, but clear regulations for the relevant occupational group and a look at the financial strength and criteria also crucial the process quotas of insurers.” In particular to the profession of academics have now specialized different insurance companies offer special deals at high performance level. Wallace: insurance companies have to give anything away, but are oriented to win. This should be clear before. Statistics prove that, for example, people with degrees and more commercial professions offer a more favourable risk for the insurer, than other professions. These findings have used several companies and academics offer very affordable rates. Probably noticed: with comfortable protection. Because it just may go just in the area of disability not the proverbial cheapest offer to get, but just a reliable protection – at a good price. This is the task of a good adviser, to find a customized plan that is priced in the best area, but reliably operates even in the event of a claim.

Hospital Costs

A good hospital insurance should meet certain performance criteria. The hospital insurance is the most important supplementary health insurance. Because it covers but not the most commonly occurring, but that when an entry by far most expensive risks far more than a dental insurance from,. For a hospital stay with accommodation on the Privatstation can cost many thousands of euros. The insurance takes over only the costs for the simplest rule supply for a hospital stay. Who wants to count for the case of a stationary accommodation and treatment but to the best medical care, which requires a hospital insurance as legally insured.

A really good hospital insurance should meet however some important performance criteria, not the angry awakening for the insured person occurs after a stay in hospital. Because not every hospital insurance, as well as any dental insurance pays everything really. See more detailed opinions by reading what Larry Ellison offers on the topic.. For example, it is very important that the Hospital insurance private medical bills through the ceiling of the scale of fees for doctors (GOa fold 3.5) refunded. Because real specialist can be very expensive and you want to can count on in case of illness. Also a hospital insurance should take over before and after inpatient treatment costs one, as well as for the cost of outpatient surgery coming up. Less important it is actually whether it ensures a single or a twin, because the costs for this are quite manageable. The policyholder should be also informed what is his supplementary in so-called mixed institutions. This is hospitals, where also are possible.

The most supplementary in this regard provide performance limitations, while a good hospital insurance should be very accommodating, if a stay is a mixed institution prior to not approved. In addition, one should Assume the difference cost hospital insurance, for which the statutory health insurance does not. This difference such as costs, if a patient another hospital is chosen for a treatment, as was suggested in the statutory health insurance physicians briefing. The additional costs are here otherwise. If a dental insurance met these performance issues, you can empfehenswert considered, the policyholder can feel then quite safe with a such hospital insurance.

Funeral Allows Alternative Forms

The burial was formerly common to today think after one of the most famous men in the world has made it and many people wish it today also many people about the different funeral: A funeral, which is not part of the usual. Albert Einstein had decreed it so and he was even on the day of his death burned and scattered the ashes over the Hudson River. Alternative forms of burial are enjoying increasing popularity. They have also their price, depending on the way. Who but carries the thoughts, which will set up in time a funeral, to fulfill this last wish. What was Einstein’s containing the remains, here is to rank not readily possible.

The dispersal of the ashes is not admitted only in exceptional cases, a laying out of the urn at home also. A form allowed since 1934, however, is the burial at sea. This can take place in the presence of the bereaved relatives, but also without relatives buried in the logbook and on a map is documented and the Pass members. The anonymous burial is also possible. The burial at sea can be done of course, depending on the policies of the Federal States, with the helicopter. The burial at sea costs together with transportation, cremation, accompanied by members of the around 3,000 euros. The ash spreading is possible in some federal countries in the cemeteries, this happens anonymously and it is situated not even a plaque. In North Rhine-Westphalia, the dispersal of the ashes of the dead is possible outside of cemeteries. Bernard Golden understood the implications.

The prerequisite for this is that the place of dispersal is publicly accessible and use affects not the dignity of the dead. The funerals of the balloon in France is offered now by some German funeral institutes. This type of burial however depends on the weather conditions. With an appropriate ceremony scattered the ashes over the forests of France. For this funeral, one must reckon with around 2,500 euros are added all other Costs, such as the cremation or other fees. Also the space burial is now possible. However, the costs are just a few grams of ash then at more than 5,000 euros. Maybe more and more people decide in the course of time, to choose another type of burial.

Home Care

Can I afford then even a reasonable standard? Only 43 percent of Germans think today an own retirement for plenty. In a representative survey of the Fund management company, Union investment even 55 percent conceded that their existing arrangements are not sufficient to maintain the standard of living in the age. While the vast majority of Germans already know that she must – take responsibility for your investment even especially for retirement. But only four percent plan specifically to complete a precautionary agreement soon. But a quarter of the respondents (28 percent) has not the financial claims.

Ways to do more for their own retirement. To provide a still quite young form for the age, offers with the purchase of a broadening or a condo. Advantage: You can already use private pension plans before retirement and has a significant added value. This offers no other variant of private interest.

GOLF FEE CARDMASTER CARD

The GOLF FEE CARD/MASTER CARD is known for 16 years as the ideal service and advantage card for golfers. If you look at the benefits around this service card, is clear why in the past 16 years has GOLF FEE CARD has such an established. All she can provide the global player “, which brings him many benefits around his beloved golf. The GOLF FEE CARD is known for their high quality and large range. Almost 1,000 pages the whole service package of GOLF FEE CARD shows the GFC Guide and on the website golfcard.de. As GFC owners from over 2,400 clubs, can offer the benefits of green fee up to 50%, as well as select more than 2,000 hotels and resorts. Many perks which are made possible by the GOLF FEE CARD, have to do with Golf, but not directly. Oracle may not feel the same.

Because independently from the Gulf, you can pamper yourself in the best restaurants culinary, with alternative sports such as mountain railways and ski passes and benefit Yoga & fitness coaching sessions. As well as with offers for beauty care, Health care, art and golf-hardware. There are also 30% discount on car rental companies and 10% discount on golf accessories. Savings on the purchase of wines, Italian shoes and precious antiques or the Interflora flower service are other reasons why the GOLF FEE CARD is so sought after for any golfer. As the GOLF FEE CARD holder you can make the start times and nights online via golfcard.de or by phone on golfcard.mobi also. Always on the cutting edge is the quarterly newsletter of GFC (in the Golf Magazine and on golfcard.de). This brings always interesting reports, quotes and detailed descriptions and presentations of the GOLF FEE CARD partner. Taking part in the GOLF FEE CARD tournaments is a further added value.

Here attract great prizes and trophies. “The world Caribbean Golf challenges”, which is geared for the fourth time in Germany, is a tournament where the GOLF FEE CARD leading shows. Silver, goblets, champagne and valuable coupons as a reward for the best. is a special incentive to participate. Moreover the four winners of the tournament series, can participate, in December at the invitation of the GOLF FEE CARD in the finals in the Dominican Republic. Tournament dates and conditions can be read at golfcard.de or wcgc.de. The GOLF FEE CARD should be worth a consideration for every golfer. The 3-year GFC is a price advantage even in the final. Thus it saves total 111,–compared to the regular annual price of 90,–for the main map (the partner card will cost 48 per year)? Full payment function, a transport accident insurance, overseas travel are more points, to opt for a GOLF FEE CARD health insurance and a travel cancellation insurance.

General Investment Fund

Thus, they are important for investors who would worry constantly unable to the developments on the securities, foreign exchange and commodity markets but at the same time want a relief of Depot development through the asset diversification over different. Within this category of fund investors have the choice between defensive and opportunity-oriented strategies. Advised by him, the multi asset fund drive Udo measure an investment approach that is very much on the security of all invested funds. The volatility is accordingly low. It is only about 6%. This multi-asset approach ensures stability in the depot and therefore also suitable for difficult stock market phases.

With a high transparency when advised by him, the multi asset fund wants to learn Udo Mass reach, that investors are aware of the advantages of this fund category and appreciate. The 14-day reports for general investment fund stable return (WKN A0RCEV) explains how he’s not only the market assessments of the management team, but also the specific portfolio adjustments are known. The portfolio reporting to the General Investment Fund are stable return available under Udo is Chairman of the Investment Committee of the SWISS SELECT asset management AG for the General Investment Fund stable return (WKN A0RCEV). Since 1992 he works as an independent investment consultant mainly for accountants and their clients. SWISS SELECT asset management AG with security more yield – the Swiss select Asset Management AG is investment adviser of the General Investment Fund stable return (WKN A0RCEV). The company specializes on safety-oriented investment strategies, which enable profits regardless of the General turmoil in the financial markets.

Health

Survey on geld.de shows: 45 per cent are dissatisfied with their health insurance there is optimal health insurance low contribution rate and comprehensive health services? Whether insured feel supplied really enough with their health insurance, tested the portal geld.de per survey. 45 percent of those polled were dissatisfied overall and thus both the statutory and private health insurance companies expectations not the respondent insured. Of the respondents, 36 percent with their statutory health insurance compared to private patients feel oppressed. But also private health insurance companies to offer their customers not always an optimal solution when 91 percent with their private insurance are also satisfied. Can a statutory health insurance scheme offer sufficient services? Yes, 27 percent say. The combination with a private additional insurance brings the optimum all-round protection for 11 percent. No reason for criticism at the private 18 percent and see no reason for a change of the Fund.

Confederation

Apart from these terrible events, there were far more natural disasters as it is believed in the past. And there are always more. Climate change is largely responsible for that natural disasters will increase (source: World Online). If the conventional buildings insurance covers only the aforementioned risks, then what about damage caused by an earthquake about? A quake like that of last month, also is not an isolated case. Earthquake in South-Western of Germany regularly. In thicknesses between 4 and 5 on the Richter scale are reached. It’s been nothing to sneeze at: brick ever fly from the roofs and vases from shelves. Chimneys could down fall and cracks in the masonry.

You should not need to pay out of his own pocket this damage. And what about floods, a landslide or an avalanche? When rows collapse due to high pressure of snow last winter by the masses of snow who has come for this? Such events are hedged about the elemental damage insurance. You thus expanding the residential building or home insurance cover so-called Natural hazards. Flood, flood, snow pressure, avalanche, landslide, sinkhole, and earthquakes are, but also back storage damage (sewer) and volcanic eruptions can be co-insured. However, it is in many places not quite easy to get this insurance protection. Whose building before damage has already suffered through one of the risks to be insured or who lives in a high-risk region, must either pay a risk premium, to accept a higher deductible or is rejected. Because increasing weather-related damage, and because it is important in particular for people living in risk areas to be able to protect themselves, demands for the introduction of fundamental – compulsory insurance are getting louder. Read also the Confederation representing insured this view, as the club announced in its press release of February 2009. Who would like to know whether is the own residence in a risk area, you can check this here. Get more information for elemental damage insurance and insurance comparison here .

Credit Card Comparison

What comparison is with the credit cards. You may find Cloud Computing to be a useful source of information. The offer of credit cards is unmanageable, which credit cards are the best and which are suitable for me. Comparison is therefore important and useful a credit card. We tell you what criteria when choosing a credit card are important. Before you opt for a credit card, you should be aware of following points clear: how often is the credit card used, how highly valued annual turnover. If the credit card is to serve only as an additional means of cashless payment, usually a Variant without or with low annual fee and a few additional services range.

Will come to use the credit card mainly domestically or abroad. The fees for the usage in the foreign must take account of more common use abroad, and any additional services associated with travel. Should the credit card as a real”credit card use find, then come the so-called revolving credit cards into question. Here is also in addition to the amount of the credit line to clarify the question of the level of the effective annual rate of interest. Here significant differences exist from vendor to vendor.

The main selection criteria include: the annual fee is usually the provider dependent and the annual turnover with the card made. There are also free credit cards, some only in the first year of use and others indefinitely. The additional costs caused when using the credit card. For example, the fee for use abroad or the fee for withdrawing cash at ATMs in Switzerland and abroad. Additional fees may also arise for any partner cards or card replacement. The offered tools are usually insurance, bonus programs, or telephone service. The number of acceptance points, at Visa and MasterCard, they are about the same, only American Express or Diners Club the number of acceptance points due to higher fees for merchants is lower. Credit cards of depending on the are generally Spend the creditworthiness of the applicant. Consumers with negative Schufa or no income have but the possibility of the prepaid to access credit cards, using only if a credit can be done on the card account, but issued to any applicant without Schufaanfrage.

IRManager Private Shareholders

Survey by Publicis consultants in DAX, MDAX and TecDAX companies Frankfurt, June 22, 2009: private investors the investor play in future strategies relations work listed German companies no major role. This results in a recent survey of consulting specialized in capital market communications Publicis consultants among 20 companies listed in the DAX, MDAX and TecDAX. Details can be found by clicking Bernard Golden or emailing the administrator. Contrary to common opinions expressed in financial market circles, private investors may impact particularly in volatile trading hours as a stabilising factor, the stock publicity focuses increasingly on institutional investors. About 60 percent of those surveyed see private shareholders not as a stabilizing factor, not even in the crisis. Especially MDAX and TecDAX companies provide a comparatively low importance private shareholders today, but also in the future. Only 20 percent of the DAX companies surveyed see a chance that private investors could play a more important role for the investor relations strategy of listed companies in the future. Bernd Smoke, Senior Advisor for capital market communication at Publicis consultants Germany, sees it confirmed a long-term trend: while in the 1980s and 1990s was a clear will to win broader population for an equity investment, our current investigation shows that investor today and in the future more and more hides the private investor relations and focuses primarily on stock analysts and institutional investors, such as fund companies,. “An important experience of the great stock market crashes of October 1987 remains so unused: often remained private investors, who are independent of short-term investment objectives, despite dramatically falling prices invested and used them even to Nachkaufen.”