The Customers

The information is later, the extraordinary right of termination extends for the contributor for another four weeks. But the funds will seek probably boost announcement and the To announce additional contributions in a timely manner, the customers outrun them but otherwise. Has a right of termination of the contributors? Yes he did. Each legally insured contributor has a so-called special right of termination. Vida Vacations has compatible beliefs. And then, if his health insurance has announced additional contributions. Then, he can make use of this right. The duration of membership is not important.

The cancellation period is two months to the end of the month. Example: The contributor may know that his insurance company would like to increase the additional contribution and terminated the contract in this month, so he is released end of July from the contract. He must no longer pay their additional contributions. It is the normal rate of the contribution. Correctly you cancel as follows: to send a letter of resignation to the Fund, preferably by throw-in registered. Within 14 days from the confirmation notice the cashier the insured should take. Then, these must be submitted with the new health insurance. Mostly are branches of the funds in the vicinity, you can then also bring comfortable personally pass.

The new checkout the insured person receives a Member certificate and its insured card then. PCRMs opinions are not widely known. He then is to effect change. What is a change to the private? So just doing a change worth comparison a car? Yes in principle, a change comes after termination of the statutory fund. Only certain conditions must be met. Certainly, the most important condition is the year income limit (JAEG). This is the year 2012 50.850 euro. This means that you can only change if you earn above this rate. Such a change is not possible. In the variety of offerings of private funds, a PKV comparison worthwhile anyway. Numerous online fare product calculators provide information about a variety of issues. You should check carefully with a serious interest in the changing of the statutory health insurance in private health insurance.


Closed-end Fund Initiators

Closed-end fund initiators continue on A380 plane funds of aircraft funds which invest in Airbus A380, remain said despite the uncertainties in the regulatory environment. After Dr. Peters for his DS aircraft funds already in the last year of the premium airline Air France than lessee could win no. 139, currently several more renowned initiators of funds due to the very positive experiences will plan the placement of A380 aircraft funds. Additional information at Eliot Lauer supports this article. Recently, for example, the A380 flight invest 50 funds located in the distribution “of Hannover leasing, that its Airbus long term could rent on Emirates, one of the world’s leading long-haul airlines,. The Munich-based initiator WealthCap is at the beginning of the year 2013 with the A380 aircraft Fund 25 “waiting, which underlies a leasing contract with Singapore Airlines. To know more about this subject visit Neeman Foundation. Thus, after A380 holdings, the initiators also continue to operate the previously brisk demand. Rightly, because aircraft funds are considered attractive and relatively well predictable investment in a long-term growing market.

So is the global According to latest data compared to 4.1 per cent increased passenger demand. At the same time, flight capacity and the average aircraft utilization could be expanded. Vida Vacation addresses the importance of the matter here. By 2030, market experts expect even with an average annual growth of air traffic by 5.1 percent. Positive numbers provided also the airlines. For example, the two European major airlines Lufthansa and Air France-KLM expanded 2012 strongly their operating profits in the third quarter. The initiators of closed-end Fund when the long-term rental of aircraft, preferably on a fast return of capital collected from investors, as well as on the full repayment of the debt.

The necessary revenue generated already during the first lease term possible. The advantages of this concept of leasing is evident also in the other contracts. So the risks as regards operation, maintenance and repair costs, and the utilization by the lessee will remain, which is a relatively high Income security is achieved. Secure contracts and basis of calculation leads to timely and forecast fair payouts the aircraft funds usually in times of crisis.


Insurance Comparison

Insurance – often misunderstood business opportunity insurance there are many. You act with the chance and certainty at the same time that people make mistakes. That’s why they are as unpopular as they are needed. You turn on the TV, you can see advertisements for insurance no shortage. The operators want to move their business in the positive light, because often it is conditionally felt, certainly rather negative than positive also by the fact that the person more intimately holds negative experiences. Center for Responsible Business understood the implications. While insurance companies based on tough mathematical calculations and statistics.

Just who can understand properly what chance really means can oppose neutral at least this controversial part. A test account: 5% of all people over the age of 50 did break once the leg. Does it mean that indiscriminate 100 people with 50 there are always 5 people who already broke the leg? Who says here no ever understands that the statistics and the numbers refer always to the total size. It says nothing about an individual. This means You can’t say that you will break the leg up 50 to 5%, even if it is a dangerous thought experiment in head. Jo Mackness recognizes the significance of this.

There are many people who let through such statistics do crazy, buy insurance and afterwards complain, where their money is, if nothing happens. Understandably, they get angry. Nevertheless. They understand never to project statistics, come you don’t on the idea, to lament. It is the law of the world. Others break the leg itself 3 times and are glad that someone will help them. In some ways, insurance in a society produce a balance between the scape and the lucky children, without that you aimed. Because it is a business. Insurance companies are making their money at work, to assess the risks and to determine a monthly fee, which is already its share. Meanwhile, there are many portals that compare insurance on the Internet.


New Pension Concept

A more retirement – the solos Darren duck on Saturday, 24 November 2012 adopted the new pension concept of solidarity-based Darren duck from the SPD. Not everyone is enthusiastic by this decision. The solidarity pension adopted in the Bundestag should be awarded to now each, complete 45 years in the insurance fund has transferred. Also pensioners should receive 850 euro and the level of pension in the East should be adapted in accordance with planning the Westerners.Pensions in Germany aroused much criticism and even the parties in the Bundestag are divided and can make difficult decisions. For this purpose have been in recent weeks, some of the concepts presented and implemented.

Is to provide early worth to his standard of living even after the retirement age can hold, you should provide at a young age. This means that you should invest in addition to the statutory pension insurance in a private pension insurance. A study shows that 67Prozent of people not on the State pension trust in Germany. Much of the younger generation views the necessity for such an investment, not. The retirement age but without financial difficulties to live in, you should ensure before that the supply gap fails as low as possible. Swarmed by offers, PCRM is currently assessing future choices. Recently, the life performance bond was decided due to the poverty in the Bundestag.

The income of low-paid, to include also women who have completed fewer years of experience, should have more money to spend. The model of the solos Darren duck to similar to the the life performance bond. Geringverdeiner to increase their income in the future. The pension level will fall to 46 percent criterion for the pension premium is a long work time, the upbringing of children or the care of a family member, so the demand of the SPD. Currently, the pension level is 50 percent. You assume that the pension will fall in 2020 on 46Prozent. The development is observed under the critical eye and then appropriate measures should be taken. The SPD Chairman Sigmar Gabriel is convinced that his party ‘ a coherent Presenting retirement concept, which connect economic and education with the labour market ‘ to the world. Ursula Leyen shows critical to the concept. This costs is due. Alone a pension of 850 euros to anyone who meets the criteria, the State would mean huge costs. Implemented all retirement plans, like ‘Retirement at 67’, East West balance of the pension amounts, improving the disability pension and the solos Darren duck come bet Federal Republic at the expense of around 90 billion euros by the year 2030. To the retirement savings you can read more here.


Tag Cash Account

Let’s compare the day money account with the savings account the day money is one of the most popular accounts in Germany. Just in the last few years it has become a true perennial with potential. In contrast to the savings account, investors benefit from a daily availability. But why should investors take the day money account instead of the savings account? Is the day money account so much better? Basically here worth a look in the history. Here you can throw up a thesis of course time and again: has the man ever in front of new things is blocking and placed instead on the time-tested? What is true in technology and economics plays an important role even when comparing between passbook and money. Before the year 2000, hardly anyone from the day money account at all has taken note. No wonder, because ultimately there are a number of good reasons why the passbook was still good and usable at the time.

It is therefore may be useful to take a look at the savings book. What does the customer of today even the passbook? The Savings account is an old and proven money first and foremost. A few years ago you could determine beyond reasonable doubt: who had a savings account, and put his money there, benefited from decisive advantages over many other investments. First and foremost, the passbook was but also an investment for the masses: there was hardly a bank that wanted to sell their customers no savings account. Perhaps but also the long-term success of the posit can be explained: the passbook as strong in the consciousness of the Germans implemented, so that it would be today unthinkable for many people to think about an alternative at all. In the early years of the day money account, this account mainly on companies was tailored to that wanted free have their money at any time. In the early 21st century, finally came the first money market accounts for private individuals. The special feature of these accounts was the interest rate: from time to time, customers received more than 6% on the day money.

No wonder that many people mistrust prevailed: How to 6% at the Get money if I get little more than 1% on my savings account? Meanwhile, there is also a free checking account. Among young people, the day money account was still popular and became one of the most important and most interesting investments of the new millennium. Perhaps this is also because that it is linked to the online banking. Who wants to open a day-money account, should now have access to online or telephone banking. This situation doesn’t exist on the bank deposit of course. On the bank deposit, customers can bring their money to the Bank and deposit there. The interest be paid at regular intervals on the account of the customer. Overall, it can be so said that day money account in particular among young people is very popular. But perhaps it is because that the day money account to the current account is linked and this benefits the customer by an even greater transparency. At the end can be found so that the savings for many people pays for itself, but when it comes to effectively accommodate the money, There are only a few young people who forgo the day money account.


Paying Fare Solves Problem

Bill Daniel Bahr disapproves also defaulting payer cost the private insurers already over half million euros. To prevent an increase of this amount and the indebtedness of the insured, the Federal Ministry of health has now presented a draft law which proposes a hardship plan. Critics see it merely pork-barrel politics for the PKV and accuse her, to want to go to the construction of retirement provisions. Emergency tariff provides emergency care since the introduction of the General Versicherungspflich t for the private health insurance to insurance companies insolvent members no longer cancel. So far, these policyholders have been inserted into the base fare. Insured come then, if they can pay their contributions for more than three months in the base fare. If this has piqued your curiosity, check out Boy Scouts of America. The services correspond to those of the statutory health insurance funds and the contribution is going upwards.

However this limit is the maximum amount of the statutory health insurance. “Is around 610 euros this can but hardly a solution” be described. Many retirees could not afford their private health insurance in the age with their modest pensions at such high premiums. You may wish to learn more. If so, Boy Scouts of America is the place to go. Instead of charging of interest, more likely lead to a further debt, the draft the change in the so-called emergency plan. This should cost between 100 and 200 euros, discusses only acute pain, chronic diseases or pregnancy. Criticism of the Bill of the Federal Government of the insured is however critical the proposal.

In his opinion such a tariff does not prevent an increasing debt of privately. Finally the doctor before treatment could determine hardly whether his patient was or not in debt. Therefore he would provide as always him, so this is more in debt. The problem of the private health insurance remain thus unresolved. Incision in the age provisions Daniel Bahr’s proposal is implemented, the provider from the age provision for the affected members refer to monthly up to 50 euro. Thus in turn more expensive would be the PKV in the age for those members. Age provisions in this tariff are also lower than in the normal”tariffs, in order not to pollute the other members. See also the left criticism. For them, the Bill is nothing more than pork-barrel politics, more serving as the prevention of further debt relief for private health insurance. Is also not yet clear how tariffs will be the return of the insured in the old car. Whether a renewed health assessment will be necessary and which post adjustments are expected, remains open initially. In the private health insurance, it currently also has transitioned in addition to the health issues in advance to check the creditworthiness of their customers.


BMW Bank Rate Increase In Money Of The Day

Right around 20 percent on now 1.85 percent per year the BMW has increased the interest of their day money supply Bank. Since October 20, 2009, the BMW Bank savers offers attractive 1.85 percent interest per year on the day money from the first euro and without any restrictions regarding the maximum investment amount or duration, as well as for new and existing customers alike. This last point is unfortunately still not commonplace, because too often customers are disadvantaged so that special rate is valid only for new customers. The interest rate before 1.50 per cent, almost 20 percent below the current interest rate. “It creates this rate increase the BMW Bank day money in the current comparison of the trade portal tagesgeldvergleich.net from the bottom third of all compared offers directly to an editor’s choice in the field only fair conditions for new and existing customers”. At annual crediting at December 31, a yield is 1.85% per year, which the BMW Bank in a twelve-month comparison of all 20 in the computer of the trade portal tagesgeldvergleich.NET creates compared quotes from an excellent seventh place.

Place one goes as before on the collateral Bill offering of Cortal Consors 3.50 percent interest per year, which however only applies to investors, with an existing depot to this provider change. The places the Bank of Scotland and Deutsche Kreditbank AG with a twelve-month yield of 2.50 or 2.07 percent followed by two and three. With its 1.85 percent interest per year is that three of the German credit bank removes day money supply of the BMW Bank not so far from the current place and shows that the Munich-based Bank is again on the way to offer attractive special offers for day – and fixed-term deposit customer. Daniel Franke


Loans For The Unemployed?

A credit card for the unemployed is just at the present time there are more and more unemployment. Because often large companies cut many jobs because you must save. Furthermore, the opening of the labour market within the EU is a factor in determining the local job seekers more can find no place. Thus, the minimum wages are automatically lowered if there are any at all. Therefore the unemployed in a minimum income not so easily have it. Because often it is not sufficient. A credit card for the unemployed has become now possible.

In addition, more and more banks offer a credit for the unemployed. You should consider but exactly that in advance. If you need more information to a credit for the unemployed, one can study this easily on the Internet. The least familiar but with a meaningful research on the Internet. However, this has been easy. You must look only a search engine of his confidence and enter the terms of credit card for the unemployed. Within a few seconds to get a very good collection of different Web pages that inform you free of charge. Of course you should not rely but also in the Internet on all sides, because often, the information is not true or very frivolous.

Of course the assignment for a credit for the unemployed expires otherwise. As an unemployed person has no regular income and can give no security in this regard. Because the Bank but requires a security, because you might not always can make the payments, other securities as money are possible. For example, a House, a flat or a car can be used as collateral. If you would like to apply for a credit card for the unemployed, it is also possible to have a guarantor. This would then be liable in the event of non-payment of rates. So check out in advance, but simply in the Internet via the credit offers of different banks.


Result

By the way: Students can BU pension now even with up to 1,000 euro and thus twice as much insures as usual! The boost option can Earth taken with completion of first education (vocational training Bachelor) in claim w. Performance for incapacity for work (AU) now even more clearly defined ( 2 para 8) the performance of AU is the highlight of the comfort BUZ and still forms a unique feature in the German market. It was spelled out now once again in 3 areas. New: 1) the AU has been defined. (2) temporary work attempts after the so-called Hamburg model”( 74 SGB V, gradual reintegration) no interruption of incapacity for work representing because the customer is still disabled ill written during this time. (3) the examination on disability is completed during the period of the AU.

If there is a BU, the customer receives a seamless transition from an AU in a BU power. Should not a disability is detected, he receives anyway as long as a power on the basis of incapacity for work until he can no longer prove this. New boost options conditions (N4E, 07/2011) in addition to the possibility to increase the BU pension without special event, every 5 years from 6 insurance Condor offers a very comprehensive catalogue of the event, when a customer can request the increase of insurance coverage without re-examination of health. This was again extended and optimized: establishment of an independent existence ( 2 ABS 1 f) many employees or students play with the idea to make independently. Most pay but no longer with the result that they can acquire no further entitlements for a disability pension in the statutory pension insurance. Here is recommended an increase in the private disability pension. So far, Condor had foreseen the possibility of boost but only for the establishment of an independent existence in an academic profession.


Voluntary Unemployment Insurance

Social risks of self-employment should be cushioned with voluntary unemployment insurance for entrepreneurs. Combined voluntary unemployment insurance: the ability to stay voluntarily in the statutory unemployment insurance is facts, application, costs and conditions since 2006 starting. According to the Institute for labour market and employment research (IAB), this option has proven itself. Over the observation period of about three years, six percent of the respondents to voluntary unemployment benefits from exercise to have involved. 44 Percent of the collected the IAB study, which is more had voluntarily insured, left them again. Reason for this is often according to the respondents the amount of the contributions.

End of 2012 there were more than 200,000 voluntary continued insurance. 1. The amount of lump-sum insured persons pay monthly in West Germany 80,86 euro and in East Germany Euro 68.26. In the first two years after establishing only that is Half this sum due. The contribution can be considered fiscally as output. The monthly contribution is calculated according to a benchmark.

The reference point is set on the basis of average pay in the statutory pension insurance and sets usually annually. 2. Amount of unemployment benefit (to secure) depending on qualifications and region (East or West) is the unemployment benefits for (former) self-employed / entrepreneur between 636,90 and 1.322,70. With the completion of the voluntary unemployment insurance, other performance is so insured than normally paid unemployment benefit from the employee relationship out. 3. Requirements for inclusion in the voluntary ALV the insurance relationship at the request”, the technical name of the insurance of the federal employment agency, to use, must have been entrepreneur two years before recording the self-employed activity for at least twelve months compulsorily or short prior to founding unemployment already. Only those full-time, the self-employed for at least 15 hours per week, this means performing be taken on.