Will find a collection of different insurance news before news relating to insurance can refer to news and information on a wide area. Insurance will be offered in all possible and sometimes even seemingly impossible variations. Add to your understanding with Robert Kiyosaki. Also news are accordingly different insurance. It is therefore useful to find a source of information, the mainly with the areas of a personal concern apart put. This independent Internet sites offer in addition to journals, and direct insurance Info material. Official site: Munear Ashton Kouzbari. To filter out not only the best deals insurance helps to keep, in the area of insurance up to date. No, it can also help to optimize the existing insurance. It can be sometimes very useful innovations in the insurance post.
Insurance helps news to see none of them. A current example in the area of health insurance can be stated here. A common procedure to date was Reimbursement of expenses for private health insurance. Deductibles or invoices which have not been taken over by the State health insurance carriers, had to be designed first by the patient. Then the Bill for the private insurers could be submitted and the money was transferred one within a certain period of time. This was an enormous cost for the patients especially when purchasing drug by seriously ill people. The private insurance do the workaround now.
Drug bills can be settled over 1000 euros in Germany in some pharmacies directly with the insurer. This provides enormous relief for affected patients. This type of billing is still in its infancy, but strives to spread them as far as possible and optimize. To accommodate such changes in claim, one must know about it. Only then you ask if necessary and come to his advantage. Information about general principles and technical terms or common grounds in specific areas of insurance may also be useful in as the latest innovations of news insurance.
About the tax issues around the topic of disability insurance premiums for a pure Berufsunfahigkeits(zusatz)Versicherung are generally tax deductible as interest expenses. However, the new regulation in this area has led that hardly any tax advantages are to achieve in practice. The reason: The legislature was obliged to recognise the contributions for health and care insurance tax better. Nissans opinions are not widely known. Contributions for an occupational disability insurance are therefore only still be deductible, if the contributions to the health and the statutory long-term care insurance under 1,900 euros (employees) or 2,800 euros (independent). The premiums are higher, the premiums for occupational disability insurance in the tax return no longer interfere. And the border is within easy reach according to calculations of the provision Portal: legally insured persons reach the maximum of 1,900 euros already from an annual salary of around 20.700 euros alone with their Health and care insurance premium.
The limit is a married earner at 41,400 euros. Use tax trick there is however a way contributions to other insurance such as the disability insurance but tax claim to make, as the portal explains. Background: The posts to the base hospital and nursing duty in actual height and unlimited as special editions are deductible in the year in which they were paid for the year 2010. Advance payments are deductible exceeding 2.5 times the current annual fee. Taxpayers could pay in advance in 2011 so the posts for 2012-2013. In the years 2012 and 2013 workers benefit, that he his other contributions? for example, for an invalidity – or risk life insurance tax claim can and the premiums actually affect the: because the advance in 2011 no contributions burden with which Budget, and the workers can get 1,900 euro each or 2,800 euros for its other insurance companies and thus also the disability insurance in two years.
The tax advantage in both: up to 1,200 euros. How is a private occupational disability pension be taxed? In the event of an emergency, the disability pension must be taxed. Tax is assessed performance as abbreviated life annuity is taxed with the so-called special revenue share. Its amount is different as for old-age pensions according to the estimated life of the pension payment. The shorter is the pension payment, the tax rate is lower. Running the pension from the disability insurance over five years, the share of income for the tax is 5%. The pension will run, however, 20 years, the proportion of income is 21%. Oliver MEST
Three years waiting for the change in the car are history now partially large protest in 2007, the Federal Government introduced a modified provision in the social security code V and thus impeded the PKV change for employees. Since the employee was allowed to leave only the statutory health insurance (GKV), if it exceeded the year working pay limit three years in a row. (4) if the year work fee limit in three consecutive calendar years is exceeded the insurance obligation ends at the end of the third calendar year in which she exceeded. Initially, the changes should be decided until early December. However, the session (2nd and 3rd reading in the Bundestag) on 12 11th, 2010 (9:00) was preferred.
The proposed changes are in the publication 17 / 3040 detained, which is available on the pages of the Bundestag to download. The changing situation in the private Krankenversicherung (PKV) thus improved already hired workers. Thus the Elimination of the 3-year limit is planned is a done deal. Now, it is sufficient if the workers the JAEG (year work pay border) in the ongoing and vorr. exceeds in 2011. Thus the insurance obligation in the statutory health insurance ends for some workers as at 31 12 2010. Also young professionals have now more easily in the private Krankenversicherung (PKV) to change it.
These are insured immediately voluntarily in a career, if the income according to the work contract exceeds the limit. If you are in one of these situations and intend to go to the private health insurance you read articles about the possibilities of change. Especially, please note the related article “You must decide quickly” and put a such seller best quickly back out the door. I don’t often write it and ask to hold urgent. Make thoughts alone to the desired insurance coverage and to rethink and consider the selection criteria to your private health insurance. For more information about the Exchange also in the blog posts at the turn of the GKV PKV. If you switch now to 01 01 or later the 01 03 or 01-04, is irrelevant. Rather, it is important that the tariff selection is made carefully and you know the pros and the cons especially.
The negative effects of the current crisis will follow likely. How does an investor in such a situation make sense? Cologne (lmh) 26.10.09 the latest economic reports give hope that the worst economic crisis for 80 years could be overcome soon. As sure to think this would be but premature. \”Often in this context on the history of the preceding great depression indicated, at the current stage the thick end\” still loomed. Against this fear, is however that the leading industrialized countries have extremely different this time and more differentiated than at the time responds so that one may hope that the much-feared concurrency is not reality. Whatever the case, the negative aftermath of the current crisis in the form of high unemployment and rising inflation likely will follow.
The question arises, how to sensibly behave as capital investors in such a situation therefore. Short term loans to the liquidity of the possibly upcoming sharply rising number of unemployed and the associated uncertainties of various kinds speak for this liquid to keep at least a portion of the available assets and to invest in short-term, but relatively safe investments. The interest rate offered by banks for short-term investments is however puny. For this reason brokers investments offer short-term, typical secured loan models with lucrative after control returns. Winfried Hilger, managing partner of independently operating for over 35 years by banks and initiators distribution company, explains the background: builders suffer from the crisis, restrictive behavior of banks and others. You are due to the higher equity ratio demanded by the banks before the alternative, to reduce the volume of their business or obtaining equity in other ways\”.
From this desire be initiators loan models created. It is generally mortgage-backed loans to property companies, which have already been invested in leased commercial real estate. Long-term investments with inflation protection as means against inflation, to fear that as a result of the current crisis will be no better investment recommendations can be given, as the investment in tangible assets.
With the U.S. Oil Fund IV KG, the operators of the trade portal geschlossener-fonds.net introduce a strong return on investment in the fossil fuel their readers. Geschlossener-fonds.NET informs: in cooperation with the Medision investment GbR from Leipzig as an official distributor of energy capital invest group operators of the trade portal can geschlossener-fonds.net interested investors since today with the U.S. Oil Fund IV KG present an offer in the area of current closed-end Fund in the drawing stage, this primarily to invest natural gas which in terms of fossil fuel in this case. Investment area the U.S.
Oil Fund IV KG allows investors to invest, which will grow according to a current study by the energy information administration up to the year 2030 by more than 50 percent directly in the growth market for fossil fuels. This approach the U.S. Oil Fund IV KG a concept unique in Germany: investors profit directly to promoting and selling of petroleum and natural gas, without the risks of development or of the Having to wear mining (exploration). Rather, the Fund management company acquires land-related rights such as the probably largest natural gas assisted on the North American mainland, the Haynesville shale which then proceeds from participation in the oil and natural gas production takes place by exploration companies such as BP, shell and Exxon. The fundamentals of this Fund very interesting read: short term until 31.12.2010 forecast distribution of nominal 15% p.a. tax-free profit to first on the progression of conditional distributions already for the first quarter 2010 planned participation starting at 5,000 euros possible plus 5 percent premium wants to invest in fossil fuels and for this offer are interested, find more details, as well as the possibility to request the prospectus of the Fund, as well as a personal advice on the following page: US oil Fund IV KG Daniel Franke
The Rurup-rente eziehlt not the desired success. The Rurup-rente should be the breakthrough for self-employed, also state-promoted to build a private old-age provision. For this purpose you can assert namely tax expenditure by up to 20,000 euro per year upon completion of a certified investment product Rurup. What sounds very interesting at first glance, is very unattractive by the many restrictions and conditions, bringing the Rurup pension with. Also the investors see it that, because just 800,000 sold contracts since the introduction of the Rurup-rente is becoming downright the shopkeeper.
A Forsa poll also shows that a large majority of savers with not much to begin the retirement provision product knows how the Handelsblatt”reported. Tom Friess, Managing Director of property consultancy VZ told the trade journal”, that was the main reason for the reluctance is, that the advantage of the Rurup-rente is very difficult to figure out is,. While the cons appeared everywhere. So a Rurup pension may include any one-time payment at retirement, but must be paid as a lifelong pension. Also no collateral and in addition also no inheritance is possible, which makes the product very inflexible. Another disadvantage of very hard is that you can subsequently no longer cancel Rurup contracts. What the legislature, created to prevent entrainment effects, forcing the investors in a too tight corset and that only a few can be adjusted. You will receive free information about finance and insurance at Easyfinanz24
The Wikipedia – the free encyclopedia writes: pension plan comprise the totality of all measures taken to make the other living without limitations of the standard of living after being eliminated from the labour market by assets saving on or acquired rights. Ideally, regular monthly payments can be expected so that the standard of living and the consumption expenditure of the pensioner at the beginning of the pension must not be reduced. Over the years there is to be no limit lifestyle (ideal retirement). It continues! Today’s pension consists of the so-called three pillars”together: pillar 1: statutory provisions (deposits of compulsory contributions to the statutory pension insurance throughout the working life): pay-as-you-go. These include the statutory pension, the old-age pension of farmers (AdL), the professional supply (bps) and the civil service. 2 pillar: Supplementary purchase-based old-age pension.
Includes mainly the company pension scheme, but also auxiliary power supply of the public service (ZoD) 3 column: private pension plan (independent accumulation of equity capital with the possibility of later eating): equity savings plans, Riester-rente, Rurup pension, life insurance and real estate these possibilities are with the application and deposit of cash over a long period of time connected. This means that I must deposit money every month over a long period of time then when reached retirement age, age 67, of can Zehren where the height each corresponds to the amount over paid over the years. Whoever has money for deposits and a long time doing this, can afford even a good retirement and enjoy a reasonable pension existence. Has been shown only in recent years that fewer and fewer can raise the money that would be actually necessary to really enjoy a reasonable pension existence. “” Our today’s young people is already by: I get no pension anyway “, or also a unit pension”, in what amount, is talking. What allows now a pension which not is just by money payments over many years through investment of time in a few months or years? Each available and this brought intelligent time into a project which may have already been building up after a few months or years to a lucrative pension income without big money investment and risk. Yes, and it determines his pension height also yourself in the one more time invested. If you have some time to spare, then another pension solution of interest might be for you. Now you will say: I have no time but! “.” Then you should pay a still more in your private pension and wait until your pension General has arrived. If you but greatly want to shorten your time until then, then take at least the information!
An assessment of the market for Asian stock exchanges in 2008 the stock exchange letter invest Asia.de deals since its first edition in June 2007 with the analysis and evaluation of small – and mid-cap companies from Asia. The experts can point to a successful history in the invest Asia sample custodian. 10 months the pattern Depot grew scarce 27% and this in a very difficult market environment. The free stock market letter appears at irregular intervals, and presents several growth companies based in Asia. Yet we see no significant recovery in the equity markets in Asia and also the investor confidence hasn’t come back yet,”Marc Schulze performs. A watchful waiting approach of institutional investors lead the overall market and the economic slowdown in the United States. Here also private investors should abstain currently.
Only selected titles with very good prospects for growth and low valuation offer an acceptable chance/risk ratio.” Asia invest provides for 2008 on a rather stagnant performance of world stock markets. The Beijing Olympics cast their shadows ahead. Up to the end of the games, we expect a continued sideways movement of the Asian stock markets. Then it will be very exciting and we see more skeptical on the second half of the year 2008 may be the mood will turn again towards the end of the year by the elections in the United States, but until then, you should have a secure trading strategy, building on winnings”, notes Marc Schulze. Invest-Asia sees but exciting stories in some Asian markets and specific sectors.
If you look at E.g. the construction boom in Asia, you can surely earn good money with defensive infrastructure companies, but also Viet Nam and India are exciting markets, whereby Viet Nam looks promising from our point of view.” Invest-Asia pursues no specialization in certain markets in Asia or selected industries. The analysts create a fundamental analysis of a special public company and introduce it in the free stock market letter. Our The aim is always better than the overall market, i.e. better than Dow Jones, HangSeng or Nikkei, to perform. So far succeeded impressively, but this can of course be no guarantee for the future. If we 51 times right at 100 selected stocks, then we have done a very good job of it he dreams one or other professional and managers! Of course we strive for a better value, but I would be satisfied with this result for the first time. All analyzed stock is characterized by strong growth, very good management and low price/earnings ratios. “, Marc Schulze is optimistic.
First certificate victims remembrance day cost the Lehman bankruptcy on September 15, 2009 so far tens of thousands of German high sums, because they had certificates of the US Investment Bank. The nightmare scenario could repeat itself, the gambler papers are sold well. The ignorance is terrifying. \”, reports the mirror on September 11, 2009. So this happens every year, unsuspecting of the independent brokers InveXtra has the certificate victims remembrance day\”launched. The Invextra had warned already at July 27, 2007 publicly against the risks of certificates, so more than a year before the Lehman bust.
This is to read on the Web site under the article experts warn investors before comparison with funds and certificates\”. Nevertheless rushed tens of thousands in the misfortune and bought certificates instead of State-regulated investment fund products, because they had not read this warning or not taken seriously. This now to deal with the certificate victims remembrance day\”change, so that even more independent media about the risks of Certificates report and investors of which are used in knowledge. Every year bust is now at 15.09 on the Lehman Brothers reminds and pointed to the risks of structured certificates products for private investors. On the website can interested more information and recent articles relating to certificates and certificates victim query.
\”, as Dipl.-kfm. Raimund Tittes, CEO of InveXtra.\” So the mirror on the following case September 11, 2009 on reports: the ignorance is appalling. She are believed to \”invest\” in some German explains a 73 year old pensioner. Because the consultant always Lehmann said instead of English Lehman. The conversation lasted ten minutes – and of course the former Clerk had no idea what certificates are then.