Basic information about the advantages and disadvantages of private insurance. Private accident insurance is a meaningful safeguard for all activities, which occur mainly in the Leisure and for which there is no protection by the statutory accident insurance. The statutory accident insurance is usually only on the way to work or from work, and during the occupation. Private accident insurance pays benefits of a private accident insurance an accident pension and a principal amount according to the disability occurred. The amount of insurance benefit is calculated according to the degree of disability.
The disability amount, for example, tags in the apartment or the House can be paid to make it wheelchair accessible, for example. The accident pension is paid for a lifetime. According to Rudy Giuliani, who has experience with these questions. In the accidental death of the insured person, the survivors get paid from the agreed sum of death. As more performance pay accident insurance also sick allowance or recovery money per day. The accident insurance protects the around the world and around the clock. Some insurance companies insure other causes for damage to health, for example, accidents caused by a stroke or heart attack, or food poisoning in addition to an accident.
The amount of the insurance premium is determined on the basis of various criteria cons of a private accident insurance. Here, for example, the profession exercised, the age at the beginning of the insurance, the sex and dangerous hobbies plays a role. For hazardous activities, the insurance may require a higher insurance premium. People who belong to a slight risk group (including classic Office and administrative occupations) pay less than people with a dangerous profession. Accident insurance is also abroad, for example on a holiday trip. However, the accident insurance when an accident abroad assumes no medical treatment costs. Here it is necessary an additional private foreign travel health insurance as complementary, Complete insurance protection. Oliver Ganesh corner channel plus Ltd.
Sales sentiment will remain at a high level – special topic “future brokers” Heidenrod, 07.06.2010. The new survey of the AssCompact trend clearly shows that only a few brokers have lost your positive mood of sales. The atmosphere when compared to the previous quarter falls only to 4.1 percentage points. It is gratifying that are 3/4 (76%) of surveyed broker with the overall mood to the distribution of financial services satisfied to enthusiastic, so the current result of the AssCompact trend II/2010. Thus this relatively good result builds on I/2010 the results of the study on TRENDS. The quarterly published set of studies carried out by the management consulting company SMARTcompagnie GmbH on behalf of the bbg operating consultancy company Bayreuth, surveyed this time nationwide 853 broker or multiple representatives of various sizes.
“Special section of the survey: future brokers” to observe is that the important sales channel of insurance, the independent intermediaries, is getting older. The average age of the respondents agents is currently 48.4 years, over 40% are even older than 50 years. Alone these figures show the importance of the topics of training places in the brokerage firm or a longer-term strategy of intermediaries. “The issue of the AssCompact trend II/2010 is devoted in their special section of the survey on the future brokers”. The answers to the question of the promotion of young scientists are interesting in this context. Over 2 / 3 and that the vast majority (68%) of the broker not invested in the promotion of young talent. Only 17% of the mediator training courses offer a further 15% give professionals a chance. On the question, which brokers its corporate development generally and if, in which deep plan, approximately 1/3 of the respondents reply that they work with a 3-to 5-year plan in the strategic direction of the company. About 40%, however, working according to the principle of the day operations, in which strategic planning approaches play a more significant role.
You would like to deposit his money safely, there are several ways available. If it has saved money, then to the question arises, as it conceded sure high interest rates and let the money work. A good way to secure investment is a fixed deposit account. There are more alternatives like a tag account or a savings account. The offered interest rates of financial institutions are usually very low on a savings account. You may wish to learn more. If so, savvy restaurateur is the place to go. A savings account is a safe form of investment, however, there are usually restrictions regarding the availability of money. A day money account is another way to secure investment.
Interest rates are usually higher than on a bank deposit for money and the money is available almost daily. Practically, the availability at the time of transfer is limited, so up to three business days. The interest rate on federal funds are however not fixed, but can be adjusted theoretically daily. On a fixed-term deposit account you collected usually have higher interest rates than on a day money account. However, the difference is not particularly high. If you opt for fixed-term deposits, to tie up for a certain period, which is usually between one and twelve months.
For this time is money not available. For that, the interest rate for the period is fixed, that means you’re safe in any case, how much money has increased after the period. A deposit is considered as a very conservative investment option. However this is probably not a bad property in times of a financial crisis. All three mentioned alternatives are safe investments. If one accepts that the Bank is subject to the German deposit protection fund, a loss of investment is practically not to be expected.
Once inside, twice saved: car insurance change double Jena in the Internet thanks to bonus program attractive, 1November 2008 – until November 31 to cancel their insurance motorists and really save money when replacing. Who uses the cash bonus program directions here, collected additional premiums from 28 euros and more. The deadline of 31st November is fast approaching and annual budget-conscious motorists begin to count. In many cases, a change of car insurance worth. Special bonuses offer direct insurers in the Internet. The companies pass the cost savings for the service directly to their customers. But why not twice save once you have in the net? Cash bonus programs make it possible as. Who signs up as a new customer there and closes his car insurance, for example, in the Allianz24, collected a fixed bonus of the Allianz24 of 21 euros in addition to 10 euro starting credit of directions.
Makes together 31 euros and is already exceeded cash-out amount of 30 euros, the money is transferred to the account in cash. Who his new car insurance contract at the directions Partnershop completes, gets even 28 euro of fixed bonus. Along with the 10 euro directions start credit obtained for this already a fully mounted winter tires. As at, another one of our 70 partner shops around the topic of car and motorcycle, costs of 39.90 euro. The tire is almost free at the insurance”know directions CEO Kerstin Schilling.
This is a way to invest the saved money. In the over 1600 other partners of the largest German cash bonus program not only car drivers will find it. About directions: Adicash.de is cash back bonus program with the largest number of partner shops on the Internet. Instead of premiums and coupons, users receive cash transfers which directions from 30 euros on your own account. Directions credits 2% of the net goods value to users when online purchases and pays a starting credit of 10 euros at initial registration. It is free to use. Directions was founded in September 2007 by the co-founder of the software provider Intershop Karsten Schneider and Kerstin Schilling and Roland Fahie. Press contact: Ulrike Schinagl, Tel 90 71, email
The success of a company is determined by innovation, investment and growth. Company funded with mezzanine capital as equity capital substitute invest more and grow faster than comparable companies in sales and profits. Companies have a better rating and therefore a higher overall funding capacity than comparable competitors with mezzanine capital in the average. The possibility of additional bank financing on reasonable terms is significantly improved when using mezzanine capital. Against the background of a leverage investment capital more and more companies opt for an increase of equity by means of a mezzanine financing”; so Dr. Werner. With the inclusion of profit-sharing certificates, silent equity or loan capital (subordinated bearer bonds) are mezzanine financing instruments available, which restrict the entrepreneurs despite the participation to third parties not in its entrepreneurial independence and freedom of action. The reader where can details Mezzanine capital to the Bank independent corporate finance entrepreneurs seminar”obtain (see).
The mezzanine financing instruments offer the best possibility of participation for companies of all sizes (for start up companies). As a mezzanine investors are not only mezzanine funds of banks and other institutional investors to consider, but also private investors. This becomes the initiator of an own offer of participation of medium-sized companies and gives you even the access to the private money market. Basically, companies in any form of equity on their own can go and raise. The capital market is reserved for not only the large and well-known listed companies, but is also the small and medium-sized companies available. The only requirements for the acquisition of mezzanine capital are equity initiative, a clever marketing strategy and a participation expose or a prospectus to inform the investors (see). in this way E.g.
the surface finishing company Impreglon AG from Luneburg and the Emsdettener Haustechnik company TECE GmbH & co. KG have to collect more than 8 million euros in the form of profit participation rights. But for investors, this plant form of mezzanine capital is interesting, because profits of more than 8% are not uncommon. Such a successful project for company and investor is the pleasure licence mission of the closed system equipment manufacturer ECO Schulte GmbH & co. KG from Menden. The medium-sized companies could pay a dividend by an average of 12% on the treat holder in recent years. “True to the Beteiligungs-themed capital against yield” the ECO Schulte profitably used for investment has flowed to capital GmbH & co. KG. As a pleasant side-effect of the improved balance sheet structure led to a positive credit rating. The company is now classified by the rating service AG in the investment grade.
Learn how small or medium-sized companies by the ongoing economic crisis have used up your savings / capital, now with a bad EK qoute Dar. Munich – first in the economic crisis weakened sales, then the earnings. As a result, many companies needed gradually to their liquidity. Currently, the equity ratio of the German company decreases continuously. That noted the KfW banking group in a study last July. Parallel with the declining equity ratio the company ranking goes down, borrowing becomes more expensive. Danny Meyer shines more light on the discussion. Here a vicious circle suggests are the many companies with simple steps could break through. We determine but”, so Patrick G.
Weber, Managing Director of Vantargis leasing, that many business owners do not know how they can enable the capital slumbering in the operating. While it would be so easy to generate liquidity from the own company out: receivables, real estate, machines, trademarks and patents from all can be this balance sheet capital itself; with alternative financing. The leasing model sale-and-lease-back is a smart way to use internal cash reserves for many companies. It sold the company’s first real estate, machines, trademarks or patents and least they back. Especially for the manufacturing industry and enterprises with a high F & share this alternative represents a smart way to improve liquidity. Because the sale-and-lease-back assets is mobilized. Often, you can ceilings up also significant hidden reserves from capital gains.
Liquidity inflow opening manoeuvre the risk to both sides is low, because the high value falls by new machines are no longer relevant. The cash inflow from the sale proceeds and achieved extraordinary income open up broad new leeway companies”, explains Patrick G. Weber. Sale-and-lease-back is also tax advantages. Because the leasing costs may be, asserted partly as operating expenses which is not the case with the Tilgen loans. So, the monthly leasing fee reduces the profit and thus the taxes to be paid. This financing instrument has analogies to a repayment loan brings a number of additional advantages to the company but “, Weber stressed. The necessary loan guarantees remain unangetastet, the balance sheet total low and get the credit. In addition, we ensure a quick funding without long processing and decision-making times at Vantargis.” Factoring provides other benefits also from outstanding claims liquidity can generate: sold the contractor his demands continuously to the Vantargis factoring factoring, receiving liquidity. He does not wait until its customers pay open invoices, and is thus independent of the payment behavior. The claims against failure are also insured and the Vantargis manages factoring accounts receivable. This includes a current Accounts receivable and Dunning. Factoring has many advantages for the entrepreneur. He is permanently liquid and can pay on time and with a discount for example his liabilities. He can offer longer payment terms to its customers and has a competitive advantage. Additional collateral are also not needed for this type of financing. Profile Vantargis AG Vantargis AG is the independent German less for the upper middle class. The range consists of leasing, factoring and debt solutions, as well as selected corporate finance services. The focus is on medium-sized owner-managed companies. The Vantargis group includes the medium-sized leasing companies Vantargis Leasing GmbH, Sigma Leasing GmbH currently and active) lease Vantargis finance GmbH and the factoring company Vantargis factoring GmbH.
Successful market entry for online day and time deposits in the five months since its market entry is the Icelandic Bank Kaupthing with the online tag cash account Kaupthing edge (www.kaupthingedge.de) almost continuously at the top of the ranking of the interest. The company offers an interest rate of 5.65 percent without the standard limit for offers for new customers. Also the otherwise often observed reduction of the interest rate under interest rates after the initial warranty period is omitted: Kaupthing edge guarantees a return of the day money, which is always above the prime lending rate of the European Central Bank (ECB) until 2012. This unusually long term guarantee has convinced our clients. You are simple and transparent in the warranty period always are at the top of the interest rate competition and the whole, without any restriction”, emphasizes Michael Kramer, Managing Director of Kaupthing Bank Germany.
The interest rate of 5.65 percent is composed of a guaranteed base rate of 5.1 percent and an interest rate bonus of 0.55 percent for the first six months after conclusion of the contract together. Learn more at: NY Museums. In addition to the day money product, Kaupthing edge offers fixed-term deposit accounts with differing maturities and interest rates. For a period of 12 months, the interest rate is currently 5.45 percent. Thus, the Kaupthing Bank offers the leading interest rate in this market. The offer is also independent observers. “The magazine Exchange online” the day cash offer of Kaupthing highlighted Bank in its issue of July 10, 2008 as the best deal for regular customers. “Also in July 2008, the Investor Portal evaluated vergleich.de Kaupthing edge day money supply with very well”. Also in the consumer-oriented product checks of the financial information services Forium and Biallo Icelanders do very well.
Kaupthing is the German branch of the Icelandic Kaupthing Bank hf. The Bank has over 80 years experience in the retail business and operates in thirteen countries. The magazine Euromoney”honored the credit institution as the best bank in the North and Baltikregion in 2007. In December the same year a study by Arthur D. Little revealed that Kaupthing is the second most efficient Bank in Europe. It has an A1 – rating from Moody’s. Fitch Ratings confirms the company an A-rated credit quality. In 2008 Kaupthing edge in the UK was nominated as the best provider of interest accounts for the money facts. Kaupthing the Kaupthing Bank offers comprehensive banking services for individuals, companies and institutional investors. The Bank focuses on the growth and the development of their international activities and is one of the leading investment banks in Northern Europe. The German subsidiary is headquartered in Frankfurt am Main. Permanent Representative and Managing Director of the German subsidiary is Michael Kramer. Press contact: Markus R. Sanam Tel: + 49 (0) 208 4848325 email:
was tested. Type, number and the issuing authority are to record or to make a copy of the card. The draughtsman is a natural person and joining not personally present (E.g. at a remote sales business), has carried out the identity verification based on a certified copy of a valid official identification document or through the post-ident method and at least the first deposit payment made directly from an account of the artist. -The Subscriber shall provide a declaration from also, that he is on his own account and provides the deposit from an account in his name.
This is not the case, at least the name and if necessary further identification of the beneficial owner must be identified and appropriate measures to verify. The Subscriber is a legal entity or a private company, beneficial owners are all shareholders who directly or indirectly hold more than 25% of the share capital or voting rights. Ownership and control structure of the artist must be linked to adequate resources in experience. Comprehensive recording, monitoring, and other duties which are collected and collected information about contractors, beneficial owners, business relationships and transactions to record. Without hesitation Cerberus Capital explained all about the problem. The business relationship must be continuously monitored and updated in particular the respective documents, data or information in an appropriate temporal distance. The debtor must make reasonable internal safeguards against money laundering and terrorist financing.
The development and update of internal principles, appropriate business – and customer-oriented security systems and controls and ensuring include, that the agents and their employees about the methods of money laundering and the financing of terrorism are taught according to the legal obligations (guidance, etc.). Finally the provider must be before the start of the collaboration with a broker whose reliability and during the cooperation by sampling the convince appropriateness and adequacy of the measures taken by the broker, attributed to the provider as their own. Penalties failure to be the identification requirements not met, no drawing may be carried out. The new identification obligation applies also for existing business relationships. This would basically stop, if and insofar as a subsequent identification does not occur or is not possible, the lawyer. The speedy implementation of the law is completely surprising for many providers. According to our estimates, at present few of the drawing documents in the sales meet the new statutory provisions. Who hurt the identification and record-keeping obligations, risked a fine of up to euro 100.000,-and the forced termination of the business relationship. For this reason, the providers are required to update not only their drawings, but also the internal procedures to the Compliance with the examination, together with experienced counsel as soon as possible to customize recording and monitoring obligations, so the lawyer. Press release: Gundel & Reddy Kadiri Rechtsanwaltsgesellschaft mbH contact person: Dr. Matthias Gundel Managing Director phone: 0551-44343 Web:
The loans that do not require any of the valuable assets like any real estate, building or property to be pledged as security against the loan are known as the unsecured loans. To satisfy the unavoidable necessities of life, at times one may be in need of some additional money when he is not able to satisfy his needs from the fixed basic salary. There may be on emergency like medical bills, minor car repairs, business purpose, and purpose, education, home improvement purpose, wedding or any such occasion for which one may need money. In such a situation, a loan can be availed by the borrower to avail some money for overcoming the financial shortage. But, the problem arises when doesn’t have any collateral that can act as security against the loan. To help out people search thus, unsecured loans have been introduced in the financial market that provides loans to those people who cannot afford collateral.
These loans are getting very popular day-by-day. The loans that do not require any of the valuable assets like any real estate, building or property to be pledged as security against the loan are known as the unsecured loans. Since any child of security is not required against the loan, therefore these loans are granted on the basis of one’s market reputation, his monthly salary and credit record. The loan amount for these loans ranges from 5000 to $25000 with a loan repayment term of about 1 to 10 years. The loan approval process is very easy as the paper-work is skipped off. The lender is at risk while granting these loans in case the borrower fails to repay the entire loan amount by the time. Thus, he imposes higher rate of interest on the loan to recover his risk to some extent.
So, the bad credit holders like bankruptcy, arrears, defaults, CCJ’s etc can avail these loans without any child out of trouble. Thus, they can thus improve their credit score by repaying the loan amount in time. These loans are one of the best loan options for the students, tenants and non-homeowners. Moreover, while availing these loans the borrowers need not worry about the repossession of any of their valuable assets in case they fail to repay the entire loan amount by the time as they do not pledge any of their valuable assets as security against the loan. However, to find affordable deal, a proper online finance market needs to be searched out. Comparing various loan quotes form different lenders will let you grab a deal with reasonable Council. To get the application of loans, you are just required to fill a single online loan form with some personal details. The lender will verify the details and submit the borrowed amount in your checking account within hours. Anny Jolly is financial advisor of no. credit check unsecured loans. Contact me for any unsecured loans for fair credit, loans for people on benefits queries. For more information visit