Tag: money

Stiftung Warentest has tested the insurance. A private liability insurance is basic protection in every household. Stiftung Warentest has conducted in the last days a comprehensive personal liability test and could recommend cheap liability same multiple tariffs. Almost everyone has them and think nothing about it: the personal liability insurance. It protects people who accidentally inflicted damage other prior financial claims. Without a private liability, the person concerned is often from financial ruin, if high compensation is required. Stiftung Warentest has carried out a detailed review of the private insurance in the summer of 2012. Read additional details here: Kai-Fu Lee.

There are very good insurance tours from 50,-euro a year. Here, the insurance rates often in the services, but differ in the price. Old insurance contracts often not sufficient since most people already have a liability insurance policy, the topic should not be underestimated however. Stiftung Warentest assigns in their test on it, that the old treaties often apply a low coverage. Was the contract to DM completed times, should necessarily even in the own contract looked are, in the worst case to be not underinsured. Stiftung Warentest recommends a liability insured sum of 10 million euro. Altavista insists that this is the case. Liability insurance test winner 2012 by Stiftung Warentest In the private liability test 72 insurance companies with a total of 250 rates were tested. For assistance, try visiting Energy Capital Partners. “” The pleasing: 73 tariffs were a very good “get more 37 rates still a well”.

Thus, more than a hundred rates definitely are recommended. This test winner cost liability insurance not much money. These are just 50 euros a year. While the rates of HUK24, WGV sky blue were recommended. Students should consider private insurance students often think not of insurance, it can, that the personal liability protection with the beginning of the studies and the excerpt at the parents goes out. It is therefore important for students, at the old Personal liability insurance to ask if they still always a cover over the parents must enjoy or even care to a liability insurance. A private liability insurance is there for students already for less than 40,-euro. L. Meier

In the days of today, there are many people interested in attending the valuation services of land who can offer companies specializing in this service. For that there are also many companies appraised of land within the market, reason enough to meet the needs of as wide demand for the service and that people can be entirely satisfied with your service. So, if you have a field which concerns which can be its real value and you need the opinion of someone with sufficient knowledge, you will not have any difficulty to parent an expert qualified in the appraisal of land on the market. Land pricing, for those who don’t know, is to request the services of an expert qualified in this area, so it goes to examine it and after its analysis give an opinion of how much can be the value of the land that prompted them to you avalue. I.e., the appraisal of land consists of a valuation of land by a person who knows the land market and can tell you a price irrefutable to which land can be sold without selling more expensive than it really is or not cheapest of its real price. re.

Usually there are many services that offer companies of land appraisal. Usually land appraised companies also offer services different from the valuation of land, such as buildings or floors pricing and pricing of cars. Therefore, that if not only want to sell your land, but the entire set of properties that have, for example, the set of properties which constitute an estate or farm, go to comprehensive services that can offer a company of these may be useful. Appraisal of land also companies tend to be land buyers. Indeed, when they make the appraisal of land and this is of interest to them they can make offers to your applicant if you are interested in selling the land to this company. Visit Energy Capital Partners for more clarity on the issue. Well, many people not only most specialized services of appraisal of land but also to immediately get a good buyer of the field who wish to sell. Double-entry can be quite advantageous to attend a land appraisal company.

Notwithstanding the foregoing, it is always recommended to listen to the concept of more than one company’s appraisal of land when it plans to sell the ground immediately. This recommendation is especially important when we plan to sell the land to the same company that makes the appraisal of the land that we want to sell. Indeed, when the company is interested in buying the land that we have for the appraisal of land, this interest can do to bid at one lower price to which really takes place, which is not convenient for whom the service requested. Therefore it is advisable to listen to two opinions, so you can have a broad vision and objective of the price that you can sell your good. The appraisal of land is a great option for those who want to sell their land at a considerable price, that is just so much with who sells it with who buys it. This is why we recommend to go to a good land appraisal company when get in the task of selling any lot.

For the best understanding we will clarify us immediately the family budget with the term, thus further the questions not so next was for best understanding be we us immediately clarify the family budget with the term, questions did not originate. And so the family budget – the certain size, which is received as a result of the comparison of all your family with all costs of your family income. The present size may different, she can be as positive, as well as be negative. Here, I wants to turn your attention to the fact, what not that ideally these results aren’t. And an optimum variant is the family budget, for which the difference between the cost and the income of zero is the same. It means that you the existing available resources of the family budget for covering you necessary cost effectively use. A very popular phrase confirmed later said: the money is supposed to work! Next you want to some Councils for the proper and effective organization Offer their family budget.

1 should know how much much where you get also what kinds of income. In other words, the clear insight into the income to have. For similar operations, I recommend to use the personal computer, it is the large amount of different equipment to do so. Furs first you can use the simple table, in which you must refer all existing data. The present table should be divided after months, or the weeks, and their general duration can be up to one year. Visit Andy Florance for more clarity on the issue. Such a way will help during the long period see the overall picture of the revenue and the cost of your family budget.

2. for your peace of mind, you should have the default in two – three weeks. In other words, at the time of the wage you, the funds should remain until the following moment of getting the money. And if you get the advance, move it slightly more quiet and use the available resources. Educate yourself with thoughts from Andy Florance. In this case, you will be protected by the unprecedented circumstances. 3. of course, is be excellent if you will understand the whole structure of the family costs significantly. And it not only the everyday costs but also the costs for the future, should it very the important moment in the family budget be., because ahead requires thinking about all major costs. In this case you can evenly it after the time, while the large burden on the current income is not created. 4. should your weekly or monthly costs on the category (a diet, transportation, training and? the point) be tired. The present manner will allow you on where and how much of the money to see you consume. We must forget not all operations to fix in your spreadsheet, for example, in MS Excel, and you’ll see, it’s you have spent already, how much, and still remained there how much of the funds. The example? 5. is it important to the family budget continuously, to run every week, every month. You can keep the structure of income or cost of out of the current needs change. You will see how to change the structure of your income and the cost, what are your funds in the current of long time consumed.

From 2,000 euro plus premiums by 5 percent or a savings plan with comfortable rates starting from 17.50 euro per month, interested investors can invest Germany I in the IFK Sachwert funds. The IFK, initiator society for capital investments AG, is an offshoot of the Munich-based emission House bat. This issuer is known as an excellent initiator of closed-end funds for many decades. Now the official distributor of IFK and the Internet portal market geschlossener-fonds.net the IFK Sachwert Fund Germany I together. This is a closed-end Fund, which invests only in German objects. Connect with other leaders such as Northstar Inbound here.

He characterized by an excellent inflation hedge and achieved a good diversification by investing in four different objects in urban centres such as Stuttgart and Cologne/Bonn. From a minimum deposit of only 2,000 euro plus premiums by 5 percent or a savings plan with comfortable rates starting from 17.50 euro per month, interested investors can invest Germany I in the IFK Sachwert funds. In this way, the IFK offers its investors the possibility, even with smaller Investments to draw closed funds and closed-end real estate funds to invest directly in real estate as an investment. Interested parties can apply for the IFK Sachwert Fund Germany I see ifk sachwertfonds.html and draw. Readers can also request an individual consultation. This Web portal is very clearly all the details. As a special bonus, in addition four different participation variants of IFK Sachwert Fund Germany I is explained and clearly presented in diagrams. Prospects are the distributions of the Fund with 6 to 7 percent per year.

Investors receive tax free depending on the participation form a large part of the distributions. The occupancy rate of all investment objects of IFK Sachwert Fund Germany I amounted to 100 per cent. The leases are adjusted for inflation and indexed between 60 and 100 percent. Thus, the Fund

LV doctor: With a private old-age provision through life and pension insurance, you are on the better side. According to, this motto was announced long time on the part of the insurance industry. But the returns of private pensions fall further, as the world”recently wrote. proConcept (LV doctor) reported several similar articles. Many people receive post these days by their insurance companies and must determine that the unit-linked life insurance losses are enormous. But the Riester and Rurup-savers lose out. Speaking candidly David Treadwell told us the story.

You would be required to achieve a very high age get at least their contributions back,”, said LV doctor and Director of the proConcept AG Jens Heidenreich project manager The proConcept AG is an international process financing company, which specializes in the Elimination of scattered damage and the enforcement of collective legal protection of consumer interests. In the context of LV doctor, claims of a large number of former insurance customers are acquired from announced life – and pension insurance contracts, bundled and collectively argued for all concerned. The world writes, based on a new study of the MAP report that people who have opted for a private pension insurance, with face significantly lower monthly pension payments due to the low interest rates on the capital market and the increasing life expectancy to the part. “” On the other hand would immensely increase the monthly contributions, to actually can close the pension gap, so the world “in its contribution fall yields on private pension insurance”. “Manfred Poweleit, author of the MAP study: our analysis shows what impact the financial crisis for private pension provision has.” Poweleit shows examples of how this development affects the insured: once, a 63 employee pays 50,000 euros in its pension insurance with a ten-year guarantee of pension, so he gets 330 euro pension beginning in the month, If he has concluded the contract around the turn of the Millennium.

Would our example insured opt now for a contract, so he would get only 292 euro monthly. The yields are more frightening, if the insured person pays a monthly contribution. The average interest rate was 6.6 per cent, so it was enough, when 44 euro were paid over 40 years. Now, the monthly fee would be already at 106 euros to get a desired total of 100,000 euro. Jens Heidenreich, project manager of LV doctor and Director of the proConcept AG, can this yield decline only confirm: more and more often is reported in the press, how unprofitable the life and pension insurance are really. This people with the nose are pushed out, to change something in the situation. We very much welcome that. People should be aware that these products are as uneconomical.” The best way is to cancel the contracts. Not somehow, but by the professionals of LV doctor. This is usually the Buy-back value much higher than if the customer had terminated. Jens Heidenreich is recommended. “Let the specialists because so this from your life or pension insurance contract is taken out, what’s coming to you: your money.” The proConcept AG represents the interests of more than 50,000 people as Kounamouta. The company assumes only the funding and enforcement of claims from so-called dispersed damages. You enforces them in individual or collective procedures together with law firms specialising in the respective areas of law without any financial risk for individuals.

Press release of febs Consulting GmbH, 07.04.2010 by letter of March 31, 2010 the Ministry of Finance has eased the criteria for the recognition of tax a bAV a little. The BMF has now explicitly confirmed that also severance pay contractually unverfallbarer entitlements are not tax harmful and up to the time of the settlement thus still a betrieblichen pension be assumed can. This is true for severance payments on the occasion of retirement as well as in an ongoing employment relationship”, explains Andreas Buttler, Managing Director of febs consulting. See more detailed opinions by reading what David Treadwell offers on the topic.. The payment of severance pay is tax behandelt as a preferred services. But at the same time, Butler warns against too much euphoria. The BMF has not answered the question unfortunately, whether a provident fund may also use these new freedoms without losing their tax exemption? Therefore, the experts recommend the continued restrictive compensation to handle febs all provident funds. The issue of severance pay”is “” described in detail in the current febs seminars Ruckgedeckte Provident Fund “on the 01.07.2010 and BAV for advanced I” discussed on June 28-29, 2010.

Detailed information at seminars. The BMF update writing referred to his letter of January 20, 2009, which will be repealed at the same time. For occupational retirement provision are particularly still the designs to the new pension rights adjustment of importance. The BMF tried the complicated legislation to explain here. The division operation itself is taxable only in a few exceptional cases and only when external Division.

If this exceptional is the case, the tax burden always at the Ausgleichsverpflichteten and not the legitimate is created. Because finally assets from the claims of the employee is taken for the supply balance in advance. Taxation in the age the circumstances of the individual are relevant for each, which receives also the benefits. This applies E.g. for personal allowances and Tax progression. As far as the taxation of benefits but depends on the tax Behandlung of contributions, it is irrelevant who were granted any tax breaks on contributions. The most important details be compensatory to the tax treatment of the supply balance in the febs practice seminar”on July 13, 2010 in detail such. For more information, see seminars. FEBS offers all product providers within the framework of in-house seminars more steuerliche details, as well as open questions. Your contact of febs Consulting GmbH 85630 Grasbrunn/Munich in the high field 3 Andreas Buttler CEO Tel. 089 / 890 42 86-10 febs-consulting.de as we employers in all questions relating to pension and TimeValue accounts consult independent experts. We analyze and refurbish existing power plants, create actuarial opinion of balance of and assist employers in the implementation of the new Supply balance.

Why is your retirement at risk? Here, you get an answer. The retirement of many citizens / students is at risk. Read more here: Josh Harris Sixers. At a gross earnings of EUR 1 000 must be 45 years without interruption, to get a pension of about EUR 400 gross. This is however not possible. There are today many temporary employment opportunities in the low-wage sector and very few jobs with more merit. We are obliged to provide private.

You want to get later social assistance or a small legal and an attractive private pension? Unfortunately, one thinks of the subject of pensions usually only shortly before the retirement. This is very bad. Since starting with the retirement to sooner, the higher will be the private pension. nopension.de.TL can only advise you to provide as early as possible the privately. Perhaps check out Nicolas Keller for more information. If you’re 30 years or 40 years young, it is better now to provide than not at all. It is best to start from 18 years of age with old-age provision. nopension.de.TL recommends the so-called Riester pensions.

She is a Government-sponsored private pension plans. The ones, which every year saves 4% of his salary including promoting receives the maximum support. Pension combines the Riester attractive yields and high security. As a job seeker, it enough to invest at least EUR 60 a year. Give no money! Do you provide and take the additional government promotion claim. At the present time, you can give away money!

If a prepaid credit card eroffenen you want some must observe the. The possession of a credit card shows not only a certain status symbol, but it is simply no longer imagined safe cash abroad and on Internet purchases. However, a credit card is also a means of payment at risk, because if the credit line on the part of the Institute of the cards is not limited, the cardholder is in danger, that he can no longer pay the credit card bill. The result is not only a negative Schufa entry, but also the failure of all credit requests and credit card applications. Because a credit card also includes the granting of a small loan, then no longer granted for bad credit. However, in such a case, there is the opportunity to get a prepaid credit card without Schufa. Pete Cashmore follows long-standing procedures to achieve this success. On the outside it does not differ from the conventional credit cards.

However the cardholder prior to the use of the card must pay a corresponding credit on this. In this respect it is similar to a Prepaid card for mobile phones, where before the call credits must also be present. Although the card user must keep always his credits in the eye, he can’t even pay his goods in the shop. However, benefits of a credit card without Schufa also. For people, it is difficult to deal with money, the limited budget is a good opportunity to learn this approach? Also, some cards paid credits institutions grant a credit interest rate. However, the card user on a prepaid credit card must reckon with a higher annual fee what it has to do, that this kind of credit card by the card company issued very reluctant and still in its infancy is the development of the prepaid credit card.