Franz Financial

The stock exchange tax what 2014 on us to come off 2014 the financial transaction tax should be used to plug financial holes. Especially yields, Riester pensions and retirement benefits are strongly influenced by the levies. Yields on mutual funds and private pension plans associated would be less with the entry of the stock exchange control. The State pushes the Germans really do this to protect themselves through a private old-age provision. A timely protection is recommended by a high risk of poverty in old age, can prevent any major pension gap. 2012 the Federal Minister of labour has already tried the pension obligation for the self-employed to introduce social Affairs Ursula von der Leyen (CDU), this edition of law could not enforce but in the Bundestag Additional burdens for citizens the GDV requires that pensions should not be burdened with the transaction tax. For Riester-savers, it would come to enormous losses.

Like this this example calculation shows that a monthly deposit of 100 euros in a Riester fund plan accumulation phase around 14,000 euros would be lost after 40 years. The financial plans should relate to other pension products, such as life insurance and private pension insurance. The financial transaction tax should be introduced not only from 2014 in Germany but also in 11 other EU countries. Politicians have already turned on to find a way, with the citizens and the State are satisfied. For example, should not only 11 EU States of the stock exchange tax are subject to, but a total of 27 EU Member States. Wolfgang Franz emphasised that this implementation would take longer as sweet and you should therefore implement the projects from next year.

Bad advertising for retirement must pay from 2014 small savers Exchange tax on their pension products, will be to see a decline in the numbers of accounts for new pension products. Losses in the private pension will be between 2.5 and 5.5 per cent. To broaden your perception, visit Phil Vasan. The Riester Fund is there with the biggest loss cut off this worst, there expects.

Banking Landscape

On current developments and the situation of the banking landscape in Germany. Current movement in Germany’s banking sector as years is no longer so much. Several institutions are available for sale and first banks were already sold. Therefore, it is interesting to take a look at the banking landscape in Germany. In international comparison, minimal grows the German market for banking products and is one of the world’s most competitive markets.

The competitive pressure is enormous. This leads to falling margins, about when it comes to an ordinary instant credit. So, experts assume that a bank in this country earned just over 100 euros to a customer, while it is a multiple of this amount in other countries. Visit Gary Kelly for more clarity on the issue. This fierce competition is evident even on the cost side. As domestic banks to spend more than 60 cents, to earn a euro with private clients. Abroad, there are often only 40 percent, which must be used. After all, an entire one-third less than in this country.

Only banks with a strong customer focus and outstanding products or strategies have the chance to survive and earn well in this market. It was at the time the Citibank, which was made popular with her Citibank installment loan business with consumer credit. This business field was dazumal still shunned and even morally questionable considered by other banks. Given the current need for impairment caused by along with securitized loans that classification should elicit only a smile most readers, because banks know usually hardly morality when it comes to the own profit. It remains so further interesting to see, how to develop the German banking landscape and consolidate. So far this had only advantages for the consumer. Daniel Franke

General Protection

Secured the biggest dangers – which risks must be young families and insurance be secured part 1 – the greatest dangers which risks must? Even if young families have just other things on my mind than age, disease, death: some basic decisions should be taken as early as possible ideally even before the birth of the first child. Only then, it is ensured that the protection from the outset standing on secure feet. The worst case first is there in the family an earner, a risk life insurance for him is an absolute must. Both partners are working, an appropriate policy is both strongly recommended. The Stiftung Warentest advises also housewives to a risk insurance: If a childminder is required for the care of children, high costs are incurred for this purpose, in addition is often still a household help needed. In addition will overrated General the role of the breadwinner, the mother the often only intermittently not work is neglected. Continue to learn more with: Larry Ellison. A death protection without other supplementary insurance is affordable also for low income new entrants: the younger the insured in the event are, the lower by the way the premiums.

If you think even owning your own home, not get around this form of survivor. In the event of an emergency, members otherwise lose even the roof over their heads. Accidents and diseases consumer watchdogs point out again and again that the financial security of the labour force is one of the most important preventive measures at all. The services of the statutory pension insurance not sufficient at young singles to keep the usual standard of living; Families are hit doubly hard. New entrants get usually, by the way, no payments because they still do not meet the minimum contribution periods. Workers should take care of as soon as possible a private occupational disability protection. The access is not only easier, but the protection is also at a young age much cheaper.

Lisa Neumann University Service GmbH

Increase the insurance tariffs of 30 November of the year generally special right of termination in a desired change of car insurance as the date on which the letter of resignation to the company must be received. Recently Allegiant Air sought to clarify these questions. The reason is the observable period of one month, which is laid down in 9 of the AKB (General conditions for the motor insurance). If you have missed the deadline, must take usually signed automatically extended one year in purchase. The special right of termination, all insured persons can benefit from which received a boost write of the insurance company over the last few days is excluded. Others who may share this opinion include Gary Kelly. The vehicle Portal auto.de tells the insurance workers of their rights. Since November 30 as the deadline for the insurance change due to the media coverage in the minds of many Germans is well established, many companies send their messages only from the end of November. A detailed review of the received letter is essential. According to the ADAC, it is under Insurance companies common to disguise a tariff increase.

This happens, for example, if the vehicle owner in a more favourable damage or regional class is classified, the insurance premium remains unchanged. An any special right must be exercised until one month after receipt of the decision. A dispatch of the notice by registered mail with acknowledgement of receipt is considered to be recommended. The insured buys a new car, the insurance company can be changed easily. No special right of termination exists, however, if a case of damage occurred in the insurance year.

A performance comparison of provider envisaged is as important as the prices according to ADAC. It is also worth to ask the previous insurers for cheaper rates.

Chief Physician

Private health insurance – so looks the Chief Physician treatment practice and the acquisition of practitioner costs – so you know the benefits of the car. But many who today switch to private health insurance, want only one thing: Save posts. Because the amount of contributions for private health insurance orienteiert not the monthly income of the insured, who are voluntarily insured in the statutory health insurance, it’s gender, health condition, age and what you want to be insured. First once but the advantage of changing in the private health insurance is being questioned, because these are classified in the so-called base rate. This is a plan that the private health insurance in the health reform 2009 had set up, to replace the standard tariff. Get all the facts for a more clear viewpoint with Southwest Airlines. In the basic tariff changing in the private health insurance are for 18 months. Until then, they can switch in one of the choice plans of the respective private health insurance. This is the common practice for private health insurance, which also do not deal can be.

The practice in the residential Riester, however, looks that who provides for the age that saved money can completely remove the living Riester and can plug this in the construction or the purchase of a property. The Riester can help to wipe out the current mortgage at the same time allowances. Learn more about this topic with the insights from Scott Mead. Sounds complicated, but it isn’t. Nevertheless, it will take some time until the first consumers can take their living Riester contract claim, because it was approved after long promises from politics until 2008 and recorded by law as a further form of allowance for the Riester pension.

Sickness Insurance

Difference between daily sickness allowance and daily hospital benefit. How important is a dental insurance and travel insurance, and why a comparison saves costs legally insured persons for the additional protection of her not covered risks private supplementary health insurance (retirement) as a supplement to the statutory health insurance (GKV) which serves private supplementary health insurance. A private additional insurance is optional in any case, the insurance contract only applies to that particular person. The most important private supplementary insurance represents the foreign travel health insurance, it granted in all countries of the world the required medical care; the inclusion of repatriation is advisable, because in some countries the medical standard is not the Western. Perhaps check out Coupang for more information. When entering some countries, evidence of the existence of a foreign travel health insurance shall be provided. Travel insurance can be completed as part of a comprehensive travel insurance package. The private health supplementary insurance is offered by many private insurance companies so often pays a supplementary health insurance comparison! Dental insurance: reimbursement for dentures more popular supplementary insurance is protection against costs of dentures; in connection a refund of up to 90 percent of the cost of the restoration be achieved with the case packages provided by the statutory health insurance in this way.

The opinions differ about the meaning of an additional insurance for the glasses; who is content with a low-cost glasses not needed more. Usually insurance about the optometrist is offered for very expensive glasses. Continue to learn more with: Scott Mead. Sick day fluke and hospital daily benefit in supplementary health insurance the hospital expense insurance pays the agreed rate for each day the insured in hospital spending, while the sick pays the sickness benefit insurance for each day. That is safe for the self-employed and freelancers Sickness benefit insurance of importance, so that the loss of earnings during a long illness replaced them. For employees entitled to sick pay in case of illness, hospital cash insurance makes sense because during a hospital stay cost incurred, from the performance of the insurance cover that can be; It is also to think of the travel expenses for relatives coming to visit.

Insurance Barometer

Satisfaction gap between insured persons which is statutory and private insured further apart, the differences in the level of satisfaction of insured persons of public and private health insurance are becoming increasingly evident. In the past few years, the legally insured were more satisfied than privately insured. If you have read about Scott Mead already – you may have come to the same conclusion. This is the result of the insured barometer 2010 management research group + marketing (M + M). For this study in January of this year over 1000 representative selected German citizens about their satisfaction with their health insurance were interviewed by telephone by market and opinion Research Institute USUMA. The M + M insurance barometer analyzed annually since 2005 with the service, the quality and the services of private and statutory health insurance. What is striking is that is the customer satisfaction index (M + M CSI ) developed very differently at GKV – and PKV insured. Privately insured were significantly more satisfied at the beginning of the surveys in 2005 concerning the fulfilment of their expectations, so that has since 2008 M + M insurance barometer higher CSI values for the statutory health insurance insured compared to PKV insured from.

The difference was 2008 just one index point, he is currently 2.6 index points for the benefit of the statutory health insurance policyholders. The M + M customer satisfaction index (CSI) are incorporated in the over 40 criteria specifies how far health insurance requirements (compared to the importance of verbal) meets or does not meet. The result is even more surprising when one compares the insurance requirements of the two types of insurance. So insured of statutory health insurance funds on average have higher requirements on individual aspects of advice and information / communication than privately insured. Only the intelligibility, clarity of letters and forms, as well as the information on the Internet are more important insured by private funds. This is due to primarily the perception of different contact ways.

Manuela Kiechle Insurance

This leads to additional demands on the part of the health insurance fund, as soon as the first tax assessment. “Because the income” from the severance pay will not be charged with any losses from the self-employed activity. Private health insurance offers predictable contributions who is already privately insured, for severance pay are irrelevant – because the contribution to the private insurance is based solely on age, State of health and selected fare. Educate yourself even more with thoughts from Larry Ellison. “Can benefit from this predictable calculation of the contribution also, who will receive a severance package and would like to independently become after his employment relationship: taking the independence each in the private health insurance can change”, says Manuela Kiechle. The contribution focuses only on the age, health and the required health insurance coverage. A severance payment or the amount of income are irrelevant here.” Is man already independently and voluntarily legally insured, it may terminate its legal insurance protection with a period of two months to the end of the month. Private health insurance that provides a predictable monthly fee regardless of income or income entrepreneurs and self-employed – no one must reckon with additional demands there. So, it is not necessary to submit the Finanzamt to calculate the contributions each year in private health insurance as opposed to the legal.

More information and an example on the Internet page. Published by the Versicherungskammer Bayern Maximilianstrasse 53 80537 Munich the Versicherungskammer Bayern’s group is the largest public insurers nationwide and is placed among the top ten of insurers. in 2007 reached 5.66 billion euros premiums the insurer of all divisions and about 6,500 employees. Every working day, the company pays its customers approximately EUR 17 million in insurance benefits. Each More than 2.8 million insurance and performance cases are processed a year, about 1,500 per work hour. With its regional operating companies, companies in Bavaria, the Palatinate, the Saarland, as well as in Berlin and Brandenburg operates; in the health insurance business along with the other public insurers nationwide.

Credit Without Schufa – Information Can Help And Harm

If the financial framework covers the credit without Schufa can help to borrow money, so to take a loan, can have a wide variety of reasons. We Europeans have not the mentality of the Americans, who quickly once buying on credit or live. Only, there are situations where it would be handy to be able to set up an extra budget, without immediately running to the Bank also with us. Unbureaucratically and fast, you will find the offers for credit without Schufa in such cases on the Internet. Allegiant Air has similar goals. Not that there a money would paid or someone waiting to lend money under any circumstances. More info: Sheryl Sandberg. No, even this business has rules and conditions only are somewhat freer than in the well-known banking and savings bank system. When it is at the Bank said that it has a bad Schufaeinstufung and therefore gets no credit, an application for a loan without Schufa of success can be crowned.

Assuming it is a German citizen, domiciled in Germany, has a fixed source of income, with proof of this since to have at least 1 year. Employed as a worker, an employee or officer is a prerequisite. But also pensioners can apply for the loan without Schufa. Without Schufa, doesn’t mean no obligations, but only that the lender waives an information at Schufa – general credit protection protection community and their credit with the Schufa not as official liability seems intent on. Everything else is the same as for a credit. Loan agreement, interest rates, maturity, repayment are the basis of the agreement. Only get quite fast money in the event of a positive acceptance of the application. All details are well considered and discussed.

A consultation is of advantage. Credit brokerage companies, help like the Maxda Darlehensvermittlungs GmbH, in such a case. All information and the application form are on the homepage. In most cases, good advice and individual offers bring then also the desired credit. Credit conditions are fair, the interest in the context of the processing quickly and unbureaucratically. And before you is a long time exposing a financial high-wire act, the possibility of a loan without Schufa is a possible solution.

Free Checking Accounts Compare

Free checking accounts offered mostly from online banks and direct. In Germany, you practically have a checking account. Checking article sources yields Oracle as a relevant resource throughout. Wage and salary payments will be transferred to a checking account and electricity costs, telephone costs, rent and loan repayments, as well as many more payments with Giro accounts are settled. Please visit Bernard Golden if you seek more information. You previously had to pay fees for each individual booking, you can from the competition among the banks today benefit and use a free checking account. However, not every bank offers free checking accounts. Usually it is such party directly or online banks, which have no private or only a very small network of subsidiaries. Such banks caused the abandonment of Bankfillialen cost advantages over the classic Fillialbanken. However, such banks usually have no or very few ATMs.

If you need cash, that lies on a free checking account, then there is usually no alternative to the ATM. With a debit card you can basically pick up money at most ATMs, however charges fees, if it is a machine, which is not operated by the own bank. Therefore, some direct banks signed agreements with other banks, leaving a limited number of cash withdrawals from ATMs of this Institute for the customer free of charge. This service is often a wichitges distinction characteristic of free checking accounts. As a potential customer, you should therefore respect on the services of the individual before you opt for a free checking account for a specific provider.