Savings potential of up to 400 euros for quick shows the new minimum insurance sum of EUR 7 million in the insurance introduced by law by 1.1.2012 effect: many insurers adjust premiums in motor insurance and increase the prices for contracts with the minimum amount of up to 3%. Consumers should take that as an opportunity to lower your car insurance premium by up to 400 euros. Get mail from the insurance? In recent weeks, many Austrians got information about rate increases from their car insurance. The 2012 premiums be increased aussertourlich in addition to the annual adjustment of index – by up to 3%. Reason is raising the minimum insurance sum EUR 7 million in the insurance by 1.1.2012 legal. This change applies to new and existing insurance contracts and concerns according to estimate between 1 and 2 million motorists. Only 1-2 weeks: take advantage of special right of termination and insurance change what most consumers don’t know: within 30 days after receipt of the insurance premium increase the insurance contract the insurance can be cancelled due to a statutory special termination right ( 14a KHVG). “Reinhold Baudisch advises therefore by durchblicker.at: now you should be quickly, because the premium increase is a chance to terminate the present contract and to switch to a cheaper insurance providers.” Consumers should therefore now compare the offers on the market and, if necessary, take the special right of termination claim.
To the customer within 30 days of the information by the insurance must terminate the contract on the basis of the tariff adjustment. This notice must be in writing, so by fax or registered letter. Upon termination, 30 days are once again to take out a new insurance. However, consumers have to hurry: many insurance companies have the understanding of the premium increase already mid/end of December 2011 sent. Therefore, only more remain 1-2 weeks for the termination.
Insurance gap or extra “bells and whistles”? Accident insurance in connection with the accident insurance is often spoken by insurance gap. What does it mean? The compulsory social security pays but not only for accidents at work, accidents in the household, leisure, sports or vacation. Furthermore is usually a significant difference between a possible disability pension and the current income level and may have this serious impact to the current standard of living. Accident insurance exemplarily shown – includes following scope of services: one-time payment for permanent disability, monthly. It is not something Payoneer would like to discuss. Pension for permanent disability, death benefit, accident costs, rescue costs, hospital money, daily allowance… Damage for example, Fall bike with severe injury and permanent disability. Depending on the variant, for example, an accident insurance would pay the transportation to the hospital, a hospital fee is paid for each day in the hospital and in the case of disability because of the disability a monthly pension is paid in addition. Links: accident insurance Jakob Walter.
The disability insurance is useful in determining which insurance policies are right and important for every consumer, called the disability insurance almost always in the first place. And this not for nothing, after all can change a whole life a disability. In a question-answer forum Pinterest was the first to reply. Who is is no longer able to earn his income, with its workforce a financial fiasco in danger of quickly, because monthly payments such as rent, food and credit rates can be worn no longer or no longer fully. Despite the importance, still not all consumers use a disability insurance. The causes are the comparatively high insurance premiums in part, to the extent it is but also the ignorance, why such insurance protection will be used. The disability insurance for more than 25 percent of all workers is important.
Statistics continually show that every year about 280,000 people have to give up their profession, because physical or mental impairments prevent them, to pursue the profession. Although it is possible that sufferers find another profession or other employment, often the former profession can no longer be exercised, another activity however is usually worse paid in some cases or may not run on a part-time basis. Disability insurance, which is called often only BU, is important for all professionals who have to earn their own living, as well as a living for the family with their labor. The insured person will be berufsunfahig, the private disability insurance takes over the payment of a monthly pension, which is then taken up to the entrance to the old-age pension. With this money the living can be easily further financed then. To ensure that the standard of living not only today, but also in the future can be financed, should the disability insurance include not only consumer-friendly terms, but She should be completed through a sufficient height. Experts recommend doing that the disability pension covers as 75 percent of previous net income. The agreement of a dynamic then ensures that, despite prevailing inflation, adequate insurance protection is given. To find out what disability insurance providers offer the dynamics and who provides exemplary conditions of contract, the insurance comparison can be used for the disability insurance on the Internet page berufsunfahigkeitsversicherungvergleich.com. The comparison here is both free and non-binding, also it can be filled out in a few minutes, so that the comparison of occupational disability insurance takes only a short time.
Too few Germans have a disability insurance about 350,000 workers will practice year after year. Despite this significantly high value, a large part of the population still underestimate this risk. Because only 10% of the workforce has become an invalid were financially secured against this. Only a small fraction are insured sufficiently against disability every third citizen is not adequately protected. In a representative study, 41% of respondents indicated that family members or partners in the event of occupational disability will provide for the maintenance.
52% would rather spend their money on other things. This generally very high costs are associated with a disability. The loss of your workforce and thus of work remuneration can your standard of living achieved quickly faltered. Check with Rich Dad Poor Dad to learn more. In the worst case, high financial resources for the disabled rebuilding of your home or your car, as well as for caregivers or lengthy rehabilitation measures are required. No one is safe from the risk of a disability. As one looks at the most common causes of a disability, as becomes clear, that this can occur regardless of the activity carried out. Mental illness, who are now responsible for over one-third for the realization of the risk of a disability are strong on the rise. But also heart and circulation problems, as well as muscle and skeletal problems (as a herniated disc) made together also one-third of all causes.
If you believe that the risk of a disability is already legally protected, then you are sitting on wrong information. Because father State in the event of occupational disability provides no services for all persons who are born after the year 1961. Protection of the car takes precedence over disability insurance according to a representative study the Germans assure your car better than himself. So 77% very well feel well and almost 50% in terms of car secured. 86% of the population estimate, however, the risk of occupational disability wrong: as a driver of a car it is not uncommon to victims of whiplash or significant fractures. Many are wrong when they claim accident insurance disability insurance do superfluous. Just diseases that are responsible in 90% of all cases for a disability, are not covered by an accident insurance. The protection against the risk of occupational disability can only obtain with disability insurance. The resulting supply gap can be closed thanks to the disability pension. Sabine Kieran tap
Now Australian citizens are free for acquiring payday loans for their small financial emergencies. This process is free from the placement of valued property and it provides hassle free cash to the borrowers. In the contemporary world, payday loans are considered as the best solution for execution of small and short term needs. You can get these cash advances wherever in the world as per your convenience. Same like this, payday loans are quite famous and popular in Australia. Recently JPMorgan Chase sought to clarify these questions. This loan facility provides cash within few hours and according to the needs and requirements, Australian citizens avail these cash advances. In the loan market of Australia, a plenty of loan like financial institutions, online/offline lenders, companies, firms etc. are available to offer their services at genuine Council server.
This fact is very much clear that payday loans provide instant cash approval as this process is free from the involvement of valuable asset. For this reason, the lenders charges higher interest rate from the borrowers. The payday loans are considered for meeting small and short-term expenses. The borrowers can avail amount up to 1500 and backed with shorter time duration that varies from 14-31 days. The amount availed can be used for meeting varied Australian citizen’s needs like car repair, payment of electricity or mobile phone bills, small household expenses, medical expenses, grocery bills, etc. In Australia, payday loans are based on some requirements and conditions.
Loan amount is approved only after the completion of these below written conditions:-* the Australian citizen must have the age of 18 or above * he should have valid and current bank account * he should be the employee of any reputed firm and must have sound monthly income Australian citizens, who are bonded with CCJs, IVAs, arrears, defaults, late loan payers etc. can apply for payday loans. Earlier loan approval process what thought to be little bit tough for the bad loan creditors. Under this loan facility, calendar do not bother about the credit record and without checking the credit history, loan amount is offered to the borrowers. With this loan option, bad creditors can fulfill their financial emergencies. Comparison of visiting personally to the calendar, online mode is evaluated the best for the payday loan approval. With online fashion, a person can avail loan while sitting at home or office. Loan market is rush out with lenders, financial institutions and firms. So, it becomes important to check the quotes provided by them for comparison purpose. According to the needs and requirements, you can choose the loan option. You have to read all the terms and conditions and loan quotes property. Keith Kelly is author of secured unsecured loans Australia.
The analysts of the tradersreport would a first speculative Tradingposition in the shares of IG GROUP HOLDINGS PLC with the WKN A0EARV-max. 275 pence enter. In recent years, the market of so-called CFD’s reaches unimagined dimensions. Very high growth rates and good profit margins indicate this market phenomenon. Bet in effect”one in this type of trading on individual movements and sets the respective used lever with the counterparties through the deposit. This Vorgehendweise was formerly under the synonym of Spreadbetting”known and was a great success in England years ago. Now pour more and more providers on the German market and open up completely new horizons.
“A major investment or Tradingaspekt is the fact that you systems always first on the large” should focus of each market segment. For the IG GROUP HOLDINGS, this is also the case. In addition to the CMC markets, these companies in Europe dominate the CFD segment. The economic growth of the last few months indicate this fact well. The company will be currently rated a p/e ratio of about 14 and a dividend yield of 4.4%.
We see a good chance that private investors will also find interest in trading in the coming years. Of companies that are active in the field of CFD will benefit disproportionately. Bill Phelan insists that this is the case. Are a public stock exchange, and the additional service for the retail customers have been improved but the charges partly considerably cheaper than the commercial. Additional features, such as integrated chart solutions etc., are soon standard of each provider. We see the shares of IG GROUP HOLDINGS PLC fundamental courses to 350 pence as provisional fair valued at. The chart of the IG GROUP looks very promising. We have them pointed out already in the previous editions, it must look also chart very well besides the very good fundamental situation. So the company’s shares are since the beginning of the year again in a promising upward movement. In this chart you can see a beautifully about the last month when reversed shoulder head and shoulder pattern. Just in the last trading days, the volume of trade rising rates has greatly increased. This could be almost a guarantee for rising prices. The breaking of the neck line is completed with the overcoming of the 300 pence mark. Following a further upside potential would open up to min. 350-400 pence. At 400 pence, we apply our preliminary technical course goal. The analysts of the tradersreport would a first speculative Tradingposition in the shares of IG GROUP HOLDINGS PLC with the WKN A0EARV-max. 275 pence enter. The company’s shares are traded only on the London Stock Exchange. Necessarily cover their long position with an individual stop rate at E.g. 240 pence.
Rising customer numbers in the deposit business and declining volume of securities, so one can summarize the result of comdirect Bank for August 2008. Tagesgeldrechner.info reports: how comdirect today in a press release to announce Bank left, their customers have carried out in August of reduced securities transactions than in the same month of the previous year. So the number of trades on 570.036 fell, whereas she in July of this year amounted to 706.620. The assets managed by comdirect Bank, however, increased to EUR 22,46 billion to 21.98 billion euros in the previous month. The online broker owes the bulk of this increase in the deposit business and especially the great popularity, finds the day cash offer of comdirect Bank (details can interested investors under day money/comdirect day money-see a plus). Deposit transactions rose from 10,54 billion euros in July 2008 to now 10,82 billion euros in August, so proud of 280 million euros, and the number of money market accounts increased to stand to whole 30.787 on 707.604 by the end of August 2008. While the combination of attractive interest rates and high safety benefits of comdirect Bank. Through membership in the deposit insurance fund of the Federal Association Deutscher Banken e.V.
(details on this system see ../bundesverband-deutscher-banken), is currently a wholly-owned protection of customer deposits in an amount of up to EUR 163 million per customer. Interest rates the day cash offer of comdirect Bank with its 5.00% p.a. to up to 30,000 euro full six months and 4.00% p.a. for amounts involved up to 100,000 euros, as well as from the seventh month for months among the leading domestic banks. Currently arises a yield of 4.56 percent for the first 12 months for deposits up to 30,000 euros. It remains only to be seen how or when comdirect Bank will respond to me private customers the renewed interest adjustments for some competitors in the fight for the deposits.
At the same time, trading volume has fallen very sharply, and continues to decrease. In this Market phase makes it a good sign that, because one cannot speak of selling pressure on the current share price level. We see a good chance / risk ratio and tradersreport place our technical chart price target for the time being at 30.00 in term of three to six Monaten.Die Analystenvom would a first speculative long position in the shares of SAP AG with the WKN build 716460 up 27.00 Max. Sit absolutely an individual stop rate, at E.g. 25.50 on a closing basis. Our price target term of three to six months is 30,00-32,00 for the time being.
We have published the Tradingliste for the previous first quarter in the blog on the tradersreport website. Tom Smith is likely to increase your knowledge. This can show once again the excellent trading gains them so far achieved with a tradersreport subscription. Don’t worry, we are they no longer bother”. Since the last few days we have many new registrations for the tradersreport subscription and be glad that there are more traders and investors, the quality of See Tradingberichtertstattung. Still, they have time to be included in the subscription list of the tradersreports up to 1 April 2009. Then the recording option for the tradersreport subscription distribution is then again until June.
Our trade list for the year 2009 can be seen. Certainly, not all Tradingideen of the success were crowned, but with the many successful trades they were able to achieve so far a breathtaking performance. By the Tradingupdates, who received it as a future subscriber, they always be kept up to date with the ongoing Tradingvorstellungen. Our subscribers have completed in recent weeks of the Exchange year 2009 including three trades the Dax INDEX with good profits. Our buy-and-hold-Depot is still located in the plus. Our subscribers have explained at the beginning of the year the exact strategy get and can see to relax exchange drive, if they only want it. The trade ideas in the GOLD brought even more amazing profits. How long they can still afford it, not the growing To belong to the District of Subscriber. If you sign up today, they need only for the period from 01 April 2009 to pay for the chosen reference. Under, you can always opt for a subscription version and pay via pay-pal or by invoice. Wait no longer, every day there are many new sort.
Partial or full coverage protection who has no secure shelter for his car, is in fierce storms worried about the condition of his vehicle plagued by. Substantial damage, that lead to costly repairs, can result, for example, through hail, therefore an appropriate insurance policy is worth. The finance portal geld.de presents various options for this area. A comprehensive car insurance proved worthwhile investment with the specific difficulties from the outset be excluded damage caused by storms. The weather turns in the summer quickly after hot days. Many vehicles exposed to the vagaries of the weather in unforeseen situations unprotected, so completely. For example, hail dents in the bodywork and broken glass are among the possible damage. Even fatalere can affect storms and floods up to the minds of the car.
A partial cover insurance covers damages immediately to the Due to bad weather are, so for example the effects of falling branches or roof tiles. A fully comprehensive insurance protects larger, because she attack with indirect consequences, such as in traffic accidents as a result of the storm. The vehicle is unfit, so will be of the CDW only reimbursed the repo, not the new value. The CDW takes the new value of the vehicle if necessary within a contractually agreed period of time after the first registration. More information: blog.geld.de/… GELD.de GmbH Lisa Neumann
The right mix is crucial for the success of Munich, November 20, 2008 – the right strategic mix of corporate financing is often critical to success for small and medium-sized enterprises. Factoring as alternative financial services offers many benefits to the company and is the ideal complement in the financing mix. Factoring companies can secure their liquidity”, explains Christian Furst, management consultant and Managing Director of target management consulting GmbH. In contrast to the bank credit the company factoring need no additional collateral. This makes the services especially for young and fast growing company”.
Liquid with factoring secure their financing still retains the classic current account credit many medium-sized companies. About can be cover only a part of the needed liquidity but usually against the provision of securities. Companies are looking for alternatives, then they quickly come to the service factoring. While a company sells its Loans and advances to the Vantargis factoring and gets about 80 percent of the invoice amount immediately paid off. He gets the rest, if the Vantargis factoring has received the amount by the debtor. For a fee and interest are calculated depending on the model. In addition to securing the liquidity the failure protection of assets and the acquisition of customer management with the classic full service factoring services include”, explains Marco Frohlich, Manager of the Vantargis factoring the advantages. Advantages of factoring in the financing mix more than 10,000 companies in Germany have already recognized the benefits of factoring and secure so their liquidity.
The main reasons for the usage in the company are different depending on the industry. The advantage in the congruent sales financing is for many wholesalers, they hedge to seasonal peaks. The manufacturing purchasing advantages can be thanks to factoring secure and implement discounts. Personnel service providers and transport companies also the failure protection and relief are in addition to the securing of liquidity Customer management critical for use. Also factoring users can offer their customers extended payment terms and have a competitive advantage”, so Christian Furst. Prospects for more information on the subject see vantargis-factoring.de. On the website, also the 50-seitige free guide can successfully with factoring”be ordered. Background to the Vantargis factoring the Vantargis factoring GmbH is a bank-independent factoring company. The company financed small and medium-sized enterprises with an annual turnover of up to EUR 10 million nationwide as a full service provider in the factoring. 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 phone: 089 2429373-18 E-mail: Web: