Insured persons want to know what their health costs can consumers mainly in shopping and services that track costs of services, the insured person by the statutory health insurance (GKV) have little to no opportunity to inform themselves about this and Orient. Check out Herbert Simon for additional information. Here, an essential lever could be but to get better control the gap between desired low contributions and high performance. Actually must be clear to all: who demands more from his health insurance company, has to pay more for it. It is therefore but basically important to have transparency at the cost. The results of the online survey by M + M a community project of the research group management + marketing in Kassel and the money in Bremen as well as in Hamburg, the DAK show that well over 90% of participating policyholders are not sufficiently aware of the costs of taken informed health services of them claim feel. That but more cost and performance transparency generally desirable would be, 95.2% of respondents say. Similar results is also infratest Dimap and the ARD-DeutschlandTrend February 2010, stating that between 90 and 91% that voted out, that patients should get an accurate view of the cost of a doctor visit or a stay in hospital. A regular cost – and performance overview more than three quarters of respondents would very good find, only 4% rather reject this.
The request is not new but according to cost and performance overview. Largely in the population unnoticed there is since 2004 a legal claim to the so-called patient receipt ( 305 SGB V). 8 out of 10 respondents is currently not known that patients of the statutory health insurance (GKV) exhibit a patient receipt can be by their doctor or the hospital. Politicians are discussing currently increased patient receipts and reimbursement models for medical treatments. Both are already possible today, but when the insured person hardly known.
About one-third without private liability insurance are still. Many liability policies is no longer up-to-date. Because there were some changes in the insurance market in recent years, insurance should look now if they pay too much or whether changes need to be made. A lot has happened in the last two years. Who has insured the liability, which should now take its police out of the closet and carefully go through. Decisive criterion for most insured persons is of course the post. There are now many new insurance products, which are cheaper and offer more performance.
If you pay too much, with a free online comparison of the personal liability insurance, you can check easily and quickly. A more favourable insurance is found, you can complete also online this. Who compares in the Internet, which should take care in the form of comparison that that the services be dialed correctly. A liability for damage to persons and together 3 million euro to pay, should be extended at least to 5. It is advisable to consider the participation of self critically. If this a massive saving is possible, one can consider them.
However, the amount of the excess should be chosen deliberately so that it finally is not at all mishaps self-payers. The agreement of a failure cover may also be very useful. It pays if one is damaged, the culprit but has no own liability insurance and is insolvent (bankruptcy). Unfortunately, this case happens only too often. Finally still a third of Germans have no personal liability insurance. In fact, this important insurance in every household should exist. Who must pay damages of a liability liability, can ruin this for decades financially and harm to their own future development. Because it is liable for a damage with his entire personal fortune until the damage is fully paid. Since personal injury several million euros expensive can be, everyone should spend a few euros a month for a private liability insurance. The policies are available already for under 2 euros. That should be its future worth each.
The decisive advantage is thus readily available capital. Of them, for example, an expensive treatments abroad, reconstruction measures or other purchases could be financed. The decisive disadvantage, but at the same point. Once capital, then no further payments. The disability insurance is a full coverage. This is no matter the reason of occurrence and a full protection is provided for the offence of the disability. But (except for a few tariffs and options), there is no one-off payment, but the payment of a pension until the end of the contract term. The advantage is in a long-term protection and the securing of income over the entire contract period.
The BU pension replaces the current earned income. The ideal product?:… would be a mix of both. If it the financial resources allow, a combination can be selected. For example, a one-off payment of EUR 100,000 to cover expenses of all sudden expenses and to bridge can pension be used to the BU (if because it’s one of the defined diseases). Following appropriate occupational disability insurance should exist yet, so that the running costs are covered. Also for an insured person where the profession can be undefined (self-employed persons who have multiple companies and / or way multi-layered activities, not clearly outline which itself can be), or those who do not get a hedge against the disability due to ill health, recommended an assessment of insurability in the dread disease insurance. This is, however, necessarily pay attention to the appropriate amount of the sum of insured.
For a one-off payment of EUR 500,000 and an assumed interest rate of 3%, the plant a pension (lifelong) from 1,250 EUR per month would be for capital preservation at least. This can be, depending on the age of the insured person, as capital consumption estimate itself. Thus, a universal recommendation cannot be given. You should deal with the protection of the worker or of serious diseases, please consult the best a specialized consultant. Further information: Guide to securing disability eligibility criteria for the disability insurance blog posts around the disability
The right retirement – but what kind is right? “Some people have even the words of the former Labor Minister, Norbert Blum, in the head: the pensions are secure”. Yes, long is BBs and at the latest since the recent reforms in the pension system everyone knows the fat years are long gone! Therefore, the current workers are rightly concerned, as it will be ordered in the future to their pension. Therefore, many people are wondering what they can do by their side, to financially protect her life at the age as well. What is already clear is the fact that the currently employed generation worry all the more to a private pension. But which is the right method for the optimal age protection with a maximum return? Should there be any homes in the form of a real estate purchase? Is a speculation on the stock market sense? At the latest since the last financial crisis many people to be skeptical but more such options. Is it the classic savings option in the form of one Be boosted? Due to the abundance of different products on the market it is difficult more especially the financial lay, to keep track of.
Also, not every product for every type of investor in question comes. If you want to make but investments and thereby do something for his retirement, you should consult to professional help. One of the best known service companies of this branch in the Federal Republic is Deutsche investment consulting AG. With focus on the age pension maintained the company business and residential customers in the entire Federal territory. In addition to the review of the current financial situation of seeking advice it comes especially to uncover still existing gaps in the retirement plans of customers and complementary to close them, taking into account the existing old-age provision. In this manner that is its own financial protection in the age in broad form available, and thus being able, currently unknown components ensuring and developments in the financial market until retirement as good it goes to compensate.
Furthermore, there is a part number variant in which the investor brings only half of his deposit. The remaining half will be within the next 15 years through Clearing with an also set distribution claim initially 5.09% per annum provided. This variant is aimed at people who want to align their planning for the future in the medium term. And finally, there is the so-called ‘classics’, a variable distribution, which focuses exclusively on the cash flow with a projected distribution of 5.75% p.a.. INVESTMENT: Stand so the flexibility in the design of the Fund in the foreground? Ralph Pawlik: I think here, the name becomes the obligation. Flexible, to develop modern investment products and to place was always expression of FLEX fund company philosophy. Our investors Fund basically have the possibility of termination to set compensation values in FLEX. In addition, an internal secondary market, through which investors can also sell its stake within a few days and has even the prospect of a proceeds exceeds the value of the plan does exist now.
INVESTMENT: So a legal closed Fund, from which man always comes out? Ralph Pawlik: Look at a combination of closed and open funds, which is unique in this form in the market. We believe that investments with fixed, long maturities are no longer up to date. INVESTMENT Fund analysis PRIVATE FLEX Fund 1 of the Fund invests in a portfolio of the asset classes real estate, securities and money market investments, and raw materials. Because the planned investments at the time of the publication of the prospectus are not yet set, there is pool a so-called blind. The holding company aims at diversification of investment funds. Among other things, the direct and indirect real estate investments is planned, primarily (both commercial and residential economic use) to make, because this is often cheaper opportunities via the secondary market.
Optimum variant of construction financing for families with a high monthly income. Berlin, 01.10.2010 – Volltilger loan (or even constant loans) are a variation of the annuity loan with complete repayment of the mortgage over a predetermined period. The timeframe as well as the regular charges laid down from the outset invariably and enable as an excellent transparency for the total financing. But what are the pros and cons and who is this loan option for? The term is usually between 10 and 20 years in advance fixed interest rate, as well as exact repayment schedule many advantages and few disadvantages. After expiration of the term, the mortgage is fully paid. So no interest rate risk arises, no need for re-negotiation and compared to normal”annuity loan shorter term of less interest burden. The borrower knows the period and thus the repayment rate, and the monthly burden on homogeneous rates in advance up to the full repayment of the loan. However, are in the Unlike the classic annuity loan no special repayment or repayment suspension possible.
“” A Volltilger loan may neither upwards “still down” differ from the previously fixed terms. All this means an extremely high financial planning security. Also mean times of low interest rates (as they currently are), that such Volltilger loans are cheap to get. This is because that the favourable interest rate serves as the basis for the calculation of interest for the planned Volltilger loan. This interest can no longer be changed until complete redemption, even if the General level of interest rates rising again. High-income borrowers with good credit standing, which can significantly reduce so their total financing costs are the main target group for Volltilger loans. This is of course interesting for every borrower, but not everyone can afford this kind of redemption, because: quite usual initial repayment rates by at least 3 per cent (only 10-year term even almost 8) Percent!) is this loan option somewhat for builders, which can also easily shoulders a such monthly burden, because the rates are correspondingly high. For this reason, an appropriate examination and valuation of the assets and income of the applicant takes place side by credit institution, of course.
Volltilger loans of comparability with other forms of loan are similar in principle quite constant loan when building societies. However, the differences are that held no accumulation phase or other links with various forms of loan. A pure Volltilger loan is not only easier to understand, but also with very clear cost structure. Otherwise, Volltilger loan with conventional annuity loans are similar, however with the already described differences in structural design (full repayment with previously fixed term and repayment and fixed interest rate). Conclusion who the disadvantage of high mortgage payments over several years due to his income or asset situation need not fear, should be sure this loan type closer look at. You also a clearly calculable, safe and cheap loan repayment offers clear structures and exempt the borrower from further considerations. For more information and offers can be determined under Immokredit24.com. It may be very worthwhile to examine the possibilities for the completion of a Volltilgerdarlehens on the basis of one’s own situation! More information: Volltilgerdarlehen low cost, quick repayment loan types which loan types there are?
(Online article) – (online-Artikel.de) – the funded supplementary pension increase to an attractive product. The private pension for singles and families, Gering – and better incomes. Promising he – was not the start of the Riester pension in 2002. The State-sponsored supplementary provision named after former Federal Labour Minister Walter Riester was among experts as too complicated. But now experts are largely in agreement: this retirement planning module is better than its reputation. The Riester-rente is indeed far from perfect, but there is currently no better State-sponsored retirement provision product”, use duck protectors Peter Grieble says of the consumer advice centre in Baden-Wurttemberg.
The plus: the State supports the establishment of the supplementary pension allowances and tax benefits. Promotion depends on the marital status in the enjoyment of this financial blessing can come all affected workers by reduction of the statutory pension and civil service pensions – first and foremost so, but also officials and Employees in the public service. How much funding they receive, especially the marital status depends on (see the definition on the left). 2006 get singles 114 euro basic allowance, married couples double – as long as both partners each conclude a contract. There is extra money for the young. The funding source gushing but only if the savers at the same time pays contributions out of their own pockets.
The State bought the full subsidy currently only investors who pay at least 3 percent of their social insurance contributions last year gross income into a Riester contract. As of 2008, four per cent of the salary of the previous year are due then. The supplements also include the minimum own contribution as he demanded savings contribution in technical jargon is called by the State. Riester Bill for a family of four adoption: married earner with two child benefit-eligible children; Allowances and tax breaks 2006 Rentenversicherungs-requiring previous wage basic allowance allowance minimum of equity amount savings performance additional tax savings rate EUR 10 000 276 228 euro Euro 60 Euro 564 Euro 0 Euro 89 % 20 000 Euro 228 Euro 276 Euro 96 Euro 600 Euro 0 Euro 84 % 30 000 Euro 228 Euro 276 Euro 396 Euro 900 Euro 0 Euro 56 % 40 000 Euro 228 Euro 276 Euro 696 Euro 1200 Euro 0 Euro 42 % 60 000 Euro 228 Euro 276 Euro 1071 Euro 1575 Euro 5 Euro 32 % 75 000 Euro 228 Euro 276 Euro 1071 Euro 1575 Euro 15 Euro 39 % 1) Die Savings is equivalent to the amount that is paid a total annual retire the beasts. It is calculated as equity performance plus allowance; in 2006 at least 3% of the previous salary to obtain the full allowance, 1575 EUR; (2) the full amount of State funding is calculated from the allowances and the discharge by the special deduction; (3) the output corresponds to the percentage of the savings power, which is covered by the funding in the form of allowances and special edition print; (4) basic allowance: the amount must be transferred at least from its own resources to the Riester contract; Sources: Federal Ministry of finance, to clarify the insurance website is einsurance.de example: A family of four with a previous year income of 60000 euro saves the required 1575 euros this year. Of them, the State takes over 504 euro in the form of allowances (114 euros per spouse plus 138 euro per child), which flow directly to the retirement savings account. The family must muster only 1071 EUR in the year (see table above).
Long term personal loans are very helpful for the borrowers in times of need. Its human nature that all the time he wants more as he is never satisfied with what he has. His standard of living is thus increasing day-by-day as he wants to live his life to the best. Thus, his expenses are of therefore increasing with his rising living standard. Therefore, to fulfil all his needs and desires, sometimes he may be short of money and may have to look out for some child of financial help in the form of a loan. In such a situation long term personal loans can be very helpful as these are the loans meant to help out people satisfy their long term needs without any child out of trouble. The loan amount can be used by the borrower absolutely according to his own requirements to satisfy any of his urgent expenses like educational expenses, wedding expenses, medical expenses, establishing new business, car repair etc. Long term personal loans are very helpful for the borrowers in times of need.
The Long term personal loans are basically of two types and they are secured and unsecured. In the secured loans, any collateral in the of valuable assets like form estate or any other property real are demanded as security against the loan. This collateral in turn benefits the borrower with cheaper interest rate, larger loan amount and longer loan repayment term. The loan amount for the secured loans ranges from L5000-L75000 for a repayment of 5-25 years period. But, in the case of unsecured loans, any child of valuable assets are not at all demanded as security against the loan. Thus, these loans are of collateral-free nature. The loan amount for these loans ranges from L1000-L 25000 for shorter repayment period of about 1-10 years. Before applying for these loans, the borrower must satisfy some of the conditions like he must be 18 years old or above in age, must have active bank account, must have a minimum monthly income of not less than $1000, and must be a permanent UK citizen.
Those borrowers who suffer from bad credit record like late payments, missed payments, insolvency, arrears, defaults, CCJs, etc., they can therefore apply for these loans without any trouble as no child of credit check is conducted by the calendar against the lenders. Therefore, these loans are approved very quickly due to the absence of documentation work. Various of calendar are available online and they offer various deals. The borrowers must search through the internet and choose a suitable deal for themselves by comparing the offers of different calendar. They can negotiate a little to grab the best deal. The online loan application procedure is really very fast due to the absence of paper-work. Moreover, the borrowers are not required to move out of their place to apply for the loan of their choice as they can do the from the very comfort of their same own place. So, they are no more required to stand in long queues outside the loan agencies for getting a loan approved for them. They form are only required to fill in the online application and then send it to the lender. The required loan amount will be transferred to the borrower’s account within few hours. Ella Trant is financial advisor of long term Loans.For more information about long term loans for bad credit, unsecured long term loans visit