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General

The Customers

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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. 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. 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.

General

German Insurance

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Therefore, it is certainly not surprising that the insurer had already success with his model. There were at the time even people who wanted to sell life insurance. Compared to today, the life insurance was significantly more transparent: the customer participated through the purchase of shares in the business of the insurer. As a result, the policyholder received extensive protection or the family of customers was secured. Thus, the early form of these insurers were a financial institution that a performance to the customer in the form of a sum of insured snafus. Read additional details here: Prudential. The security and the ability to pay these financial institutions fell was ensured by the latest mathematical calculations. Then, too, there was already the distinction between life insurance and life insurance.

With the risk life insurance policyholders could hedge their loved ones, with the capital life insurance customers received all benefits of term life insurance and could at the same time provide for the life in the age. At that time, however, only a small percentage had completed a life insurance policy. Keep up on the field with thought-provoking pieces from MetLife. The major part of the policyholder interest for risk life insurance. In the course of the industrial revolution changed also the society as a whole. Over the decades, the nobility more and more of the scene and the simple man disappeared”got much more influence.

In the large metropolitan areas, the burgeoning social question had”resolved the industrialization. Capitalism’s critics called this exploitation and Manchester capitalism based on the devastating conditions in English factories. In fact, the social circumstances in the German cities were more than just worrying. Who worked in the mine or in a factory, had to prepare themselves at least a 12-hour day. Just under days were sometimes disastrous working conditions. This was mainly due to the bad air in the mines. In addition, safety in the tunnels was not just big posted. You always exposed the danger of an accident so as workers.

General

Institute Insurance

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56% Of applicants under 50 and only 13 percent were older than 60 years. This refuted all skeptics have suspected that the new offer only for the old and the infirm is attractive, because it, unlike usual, forego health checks and appropriate risk premiums. On the subject of care still seems a high need for advice to insist, as evidenced by a recent study by the German health insurance (SDK). The SDK allowed for the study survey 1,000 citizens. Thus, half of the citizens doesn’t even know the care-Bahr. 70 Percent of Germans also admit to have no idea whether a long-term care well enough covered they. The vast majority (78 percent) is aware that they must privately provide care case, because there is too little money from the State in the event of an emergency. Many citizens still shy to complete a nursing insurance.

Any third party holds such additional protection for unimportant. 60 Percent of those polled by the SDK indicated they felt ill-informed. Support this image completes Institute of management and economics, stating that although every second German fears a care case to later, yet only 16 percent of the surveyed Germans indicated that a private care insurance by the representative study ‘business potential in the long-term care insurance”of the IMWF to have. For consultants, there is to do here so much. Finally the care-Bahr has police”advantages and disadvantages which must be weighed well considered against each other: consumer watchdogs have discussed already in detail by care Bahr in the first months of purpose.

Some State requirements arrived very well, such as for example the possibility to temporarily rest the insurance in case of an emergency, for example, if a policyholder working lots money refers to II. Is seen as positive, that the insurance for all adult non-dependent Citizens and make for the majority of people in this country accessible – by the obligation no policyholder should be rejected. Consumer protection, for example, of the given services for people with dementia in the lower levels of care is less enthusiastic. Dementia (care level 0) benefits are often significantly lower than in tariffs without allowance according to the Stiftung Warentest in same post. Also it has been already speculated whether for healthy people in private are possibly more lucrative, because care Bahr tariffs include also high-risk citizens, which would not be the usual purely private care insurance health check. For this higher overall risk for the insurers to pay for experts with all insured persons. Also low-income earners can drench no great benefit from care-Bahr in case of care, because their services on the basic service will be deducted. A low income earners also announces its care Bahr police contributions paid until then are gone.

General

Professional Liability Insurance Tests

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Anyone looking for in this area, unfortunately not find it is a test for all the professions? Many people know that: you want to take out an insurance, is not sure yet what provider to choose. Must agree to the terms and conditions and the price, but compare itself is cumbersome and time consuming. How well is it because there is the Stiftung Warentest in Germany that independent tests all kinds of services and products. But doctors, lawyers or trustees read an investigation into the insurance mandatory for these occupational groups, they will not find it. And the reason is that there is no test such a thing as a professional liability insurance policy or only rarely. Reason for this is that there are too many different professions. How should the demands and the services of a midwife can meaningfully compare with a financial adviser? Or by a doctor with an architect? Each profession has different requirements for professional liability insurance and best provider for all determine is impossible.

Tests for the respective occupational groups would then at least professional indemnity insurance possible? The forms that perform economic activities, to very differ. An architect with a handful of orders in the year needs an other hedging as an architectural firm, which has a volume of several million euros and plans major construction projects. The different responsibilities of the professions give another example. Recently New York Life sought to clarify these questions. A lawyer may be primarily active accountant or liquidator as custodians, executors, arbitrator, mediator. A criterion that makes it difficult for a comparison of the professional liability insurance, is the form, as each exerts his profession. Although two stockbrokers may have the same volume of orders, but one in the field is working and much car on the road, while the other works primarily on a computer at home. One needs a strong legal protection for traffic during the others do without it.

On individual and independent advice should not be dispensed with all of these points it is not surprising that there no or only very few tests for professional liability insurance is. And the insurer direct on the personal and individual advice can be used to determine which form of protection and how much is needed. With any insurer, it is possible to complete a professional liability insurance policy directly. The only recommendation, which may be pronounced, is that everyone should order an independent adviser, which compares not only products of a provider.

General

Departments Containers

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This situation causes glasses, cartons and bits of food are subject to suit for the little ones and main source of contamination, since animals like cats and dogs in search of food stirred wastes and debris spread. Faced with this panorama, the departments of environment agree qualify this system of cash and innovative, despite the great economic investment that is needed to install a network of underground pipelines in the city. Several options: System static or mobile pneumatic collection system fixed or static consists of a few mailboxes placed in the street or floodgates of spill in the interior of buildings. There is a niche in which each neighbor can place rubbish when you want, without limitation of time. These wastes are transported daily from homes, buildings and places where wastes are generated through the network of underground pipelines, connected to the mailbox to get them to a plant or central to a speed of 60 kilometers per hour using a strong stream of air.

Once there they are depending on their composition. The main advantage of these plants is that they make it possible to technically distinguish destinations. It allows proper operation in areas where it was unthinkable to perform selective collections in the traditional way. In these treatment centers, garbage is organized into containers and drive air is filtered to be issued clean into the atmosphere. Treatment plants can be simple collection and reception of waste or recycling. Later, containers are removed from the control unit by means of a truck and each fraction of waste is sent to its destination. In the same way that any neighbor deposited his garbage in the corresponding mailbox, the innkeepers have their own deposits to throwing waste, traditional green igloo, implanted widespread in all cities. Those who have a large commercial area and where the containers cannot be installed by the own historical helmets terrain using door pick systems to door.

General

Bernd Neuhoff

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On the other hand provides a highly qualified broker then for the demanding cross-selling and customer service. South financial compact: where is this breaking the advantage? Bernd Neuhoff: In many professions, specialization today is everyday life. Take the many specialists in medicine or the various lawyers in the lawyers only once. Today hardly anyone over ALLROUNDER would be describing here. This development is also necessary in the financial services. The broker, supported also by specialists in all sectors, such as finance, BAV, so can concentrate advice on their core competency, without worry about the acquisition.

The salespeople have the opportunity invariably on the core competence of the sales structure and customer acquisition, supported by a call centre to focus. South financial compact: How do you see the future of financial distribution? Bernd Neuhoff: Many distribution systems based on outdated information. You must carry out revolutionary changes, but otherwise is the structured sales in the Financial services a discontinued model. In our, expansion and quality oriented concept, I see therefore the only and best approach point to the potentiation of sales and to achieve financial freedom. South financial compact: another focus for the Multicon Board is the better reward of the broker with much higher Commission and above all build of a solid income through stock and subsequent commissions.

What’s the goal here? Bernd Neuhoff: I’m sure that we set an industry-wide example with our concept. Here, an improvement of working conditions is essential. If everyone on the core task to focus, which is the most for the performance is more compensation in the form of much higher Commission and above all by building a high inventory and follow-up Commission, the job is much more fun and joy. South financial compact: what has determined your success? Bernd Neuhoff: One must be performance-oriented and insistent. And of course having fun what to do. I personally feel about this at any time in my work. “Therefore, one of my wisdom is: RES severa verum gaudium.” South financial compact: joy is a serious matter? Bernd Neuhoff: Yes! As if joy and work go hand in hand, then really great things to do. About the South financial AG experience & tradition in finance the South financial holding AG is a holding company of the South financial group. South financial financial assets sales AG’s core business is the provision of carefully selected financial products and investments by third-party. Especially in the area of interest, the South finance AG has special experience, in particular in the private provision, as well as in the transmission of monetary systems through independent sales reps. Only independent financial advisors with a profound experience and special knowledge use the service of southern finance AG in finance. Also, the mediation of the sale of real estate belongs to the business activities of southern finance AG, here specifically listed condos, and real estate-related services. The South financial brand of Unitis specializes in the sector of car and is a recognized expert and now as one of the largest specialty distributors of in Germany in this area. Contact details South financial investments sales – Aktiengesellschaft Ulrike M. Hamasaki black-bear-str. 10, 93047 Regensburg Tel: 0049 (0) 941 5047 0 fax: 0049 (0) 941 5047 26 E-mail: more at:

General

Explains Ulf Niklas

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In this case the MiFID failed to clear their goal.”explains Ulf Niklas. The practically successful implementation of a laudable idea of consumer protection is just difficult. It was in the hands of customers to enforce clear responses to the assessment of the interest with clear questions to the Bank Manager. In the industry hope also to see that the required signature also without appropriate explanation of the commissions from usus done in many cases and where no plaintiff, there no judge. There is already another solution – the honorary advice.”Stephanie Lehmann runs. In the course of the implementation of the MiFID we expect experts therefore a significant increase in the willingness to pay separately for a truly independent investment advice. Because only who is rewarded for his services directly from the client, can offer in fact the necessary independence. This is clearly contrary to the majority belief even frequently cheaper.” Ulf Niklas explains: hidden commissions are not competitive.

How should they? The customer does not know what he pays to the detriment of his own performance.” Prominent examples are closed investments, life insurance funds and certificates, which brought the selling bank commissions of up to 10% of the investment amount. In contrast to this, the customer can very well compare the hourly rate for his independent advice. Unreasonably high hourly rates have no chance, so from the outset.” “Stephanie Lehmann added: our own starting point goes even further: we implement for our clients on the one hand better yields and costs on the other hand, so that he can easily cover our payment from a part of his resulting more earnings already in the first year.” Ulf Niklas runs: regardless of we expect the introduction of MiFID but also in the area of independent financial service providers with a significant shakeout. The reason is the new permit requirement in the core pursuant to section 32 KWG, after the independent financial advisers in the future only as financial services institutions approved by the Federal Agency for financial services supervision (BFin) may be active. The high requirements of the BFin on the one hand and the not insignificant supervisory costs on the other hand will cause a significant shakeout at the independent international financial service providers.” “The only existing alternative to the permit application according to 32 KWG, the walking under the MiFID” a great provider and thus original competitors, their own independence and thus the decisive argument for the customer as a result limit significantly.

“” Explains Ulf Niklas: who offers a MiFID, requires a return of course – such as exposing customer relationships and the preferred recording of their own products in the sales. are the “for us a MiFID is no real alternative.” Stephanie Lehmann explained. Permission was already under section 32 KWG applied for. “This mechanism clearly at the same time, so in the context of the expected shakeout also the quality and seriousness of free consultants considerably will increase: only the strong, highly competent independent advisors with wider and more satisfied customer base are can afford to permanently own permission.” And that is in turn in the meaning of the MiFID – and the financial planning offices.

General

The Post-employment Benefits (pension)

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Untapped potential in spite of many possibilities the company pension scheme also occupational pension called represents an opportunity of pension, a supplementary pension to the statutory pensions can be saved with the. In contrast to the Riester pension, she is no private pension, but one that in which both workers and employers are involved. The company pension plan is as well for both sides. In addition to financial benefits, while waving social amenities. In spite of the frequent Council of financial experts and the right to deferred compensation, to opt for a company pension plan many workers do not perceive today still this possibility to build up a second pension. What is the company pension plan? The occupational pensions or pension a way refers to save in a pension that is supplied on the operation. A company pension plan spoken of but also, if an employer says to retirement benefits for disability or death of its employees or workers. This There are different ways to promise these services or to tell.

A company pension scheme can be said to generally every worker, so employees, workers and apprentices. The earlier a company pension scheme is completed, the more it comes together and can keep the standard of living of the operating pensioner aged or help to improve. This brings the post-employment benefits workers who save in a company pension plan, this in addition to the actual pension already received during the vesting tax benefits. For the employer, the company pension plan also brings tax benefits; among other reasons, because the supply of employees as a business expense is declared. Depending on the approval of the employer, this can bind its employees at the company with occupational pensions or his company for potential employees to make more interesting. Post-employment benefits often unknown to the company pension plan addressed is reflected in studies again and again, that many Germans still not have heard or don’t know what a company pension plan.

Others have heard about their employers already, don’t care but for a company pension plan, because they do not know their advantages. According to current estimates by pension experts, 30% of all legitimate just have a company pension plan. Especially young people, who can be the biggest beneficiaries of a company pension plan, do not have access to this form of supplementary pension. It is quite something that the legislature has created possibilities here officially. So, an occupational pensions via salary conversion usually every worker must be offered. This stipulates that workers invested part of his gross salary or gross salary in the own company pension. As a result his tax chargeable income is low and he has to pay not only less taxes, but also lower contributions for health insurance and long-term care insurance. If you have no company pension plan have, then go talk to your employer or the Works Council.