Tag: insurance & pension

PKV Comparison

November 18, 2018


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Private insurance with negative Schufa. “The users interested in, using a search engine to PKV comparison” searches, is with a flood of sites surprised all comparison offer a free car, however, nothing is. But it uses little the user if he is filled with an abundance of price ratings. The reason is simple: as in every economic decision must the requirements be checked first properly. The conditions for a reasonable proposal, are significant for the subsequent offering. An example to illustrate how an insurer against people behaves, which already had an entry with the Schufa. This is formally not even important whether this entry because of an unpaid phone bill has been established or because an affidavit has been filed. Also, it does not matter requiring registered there is how much and how long the incident is back.

If the procedure is not professionally expires, the following will be in this example occur. The user selects the supposedly correct product donors from many proposals and harmless submits an application for private health insurance. Please visit Larry Ellison if you seek more information. The insurer has the right to request from a credit agency, which routinely is obtained for each new application due to the privacy consent. If a negative entry should be stated here, then the request for private health insurance regardless of health conditions, is rejected with moral hazard reasons due to. Other leaders such as E Scott Mead offer similar insights. Well, fine.

It is better to inform a professional prior to the tender of the entry. Now, the supply order focuses on companies that draw a subjective risk under certain conditions. The standard insurers, maintains its rejection, some insurers tolerate the entry with an advance payment of a half-year or up to a year post. The tender must focus only on such companies, with which a realistic agreement can be made. Then, the next hurdle is the justification of the Entry in the selected company, the car. A practical example of the solution of the problem. If E.g. a liquidator shall issue a certificate for the business leader in payment difficulties, so that the contributions from the estate E.g. a year are, then nothing is more in the way of acceptance. Each case has its own importance and will be answered also works with other approaches. Finally, it should be noted that a PKV comparison is always only as good as the agent who created those comparison.

Concepts For Securing Liquidity

May 19, 2018


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Vantargis factoring offers free white paper factoring at Munich, April 30, 2009 – the entire economy suffers from the weak economy, worsening financing conditions and increasing bad debts. Active cash management is for small and medium-sized companies almost essential for survival. Alternative types of financing, such as factoring or leasing with further gaining importance. As an information tool for small and medium-sized enterprises has Vantargis factoring the number concepts for securing liquidity”applied. Under downloads. 482 / can those interested in the first part of download free information about the benefits of factoring. We want to facilitate the way to alternative forms of financing such as factoring this information series”medium, explains Marco Frohlich, Manager of the Vantargis factoring.

Many entrepreneurs have ever heard, but hardly the many benefits”. In the white paper, the benefit is compressed and clearly displayed. With factoring in Times of crisis cash with factoring companies transform into debts-bound capital liquidity. You sell their demands continuously to the Vantargis factoring and get paid immediately for about 80 percent of the total amount of the Bill. The entrepreneur receives the remainder as soon as the customer on the Vantargis paid for factoring. Because factoring is a sales matching funding, it automatically adapts to the development in the company.

The claims are also insured against failure and the Vantargis manages factoring accounts receivable. For even more details, read what Bernard Golden says on the issue. Our customers are strong and welcome partners”, so cheerful. Because they are permanently liquid and can settle promptly own debt”. Factoring details about the topic interested under or on the new portal of knowledge around the subject of financing, see background to the Vantargis factoring the Vantargis factoring GmbH is a bank-independent factoring company. The company financed nationwide as a full service provider in the factoring of small and medium-sized enterprises with an annual turnover of up to EUR 10 million. Here, the Vantargis factoring GmbH with finance, insurance of bad debts and Receivables Management combines all aspects of factoring in any service. For companies from 10 million Euro turnover is factoring also implemented in the in-house procedure. Questions or more information: Vantargis factoring GmbH Widenmayerstr 28 80538 Munich Ilka Stiegler corporate communications email:

Marco Frohlich

May 18, 2018


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The Vantargis group of companies with its leasing companies Vantargis Leasing GmbH and Sigma Leasing GmbH, a joint venture with the active) lease Vantargis finance GmbH offers its customers a large leasing product portfolio. These include the various leasing models, such as sale-and-lease-back or even rent to own. Especially in the manufacturing, sale-and-lease-back is a smart way of improving liquidity. The company sold used, mobile assets in this type of lease and least it back then. The type of financing often significant hidden reserves from capital gains can be ceilings on and in addition, entrepreneurs can use still tax advantages. Because the leasing costs can be as operating expenses tax claimed, which is not the case with the Tilgen loans. So, the monthly leasing fee reduces the profit and thus the taxes to be paid.

Our customers complain often the long processing times of banks”knows Marco Frohlich. Because we are independent bank as Vantargis group of companies, we ensure a quick funding without long processing and decision-making times with all of our solutions”. There is more information around the topic of financing on the new knowledge portal for SMEs under background to the Vantargis factoring the Vantargis factoring GmbH is a bank-independent factoring company. The company financed small and medium-sized enterprises with an annual turnover of up to EUR 10 million nationwide as a full service provider in the factoring. Here, the Vantargis factoring GmbH with finance, insurance of bad debts and Receivables Management combines all aspects of factoring in any service. For companies from 10 million Euro turnover is factoring also implemented in the in-house procedure.

Rising Gold Price Leads To Physical Sales Of Individuals

May 18, 2018


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In the context of a rising gold price thinking individuals became increasingly concerned with physical sales. This must take account of specificities of the gold price moves up again since about a week and is currently at about 910 US dollars. As well as in the recent past, a rising price of the precious metal stimulates the one or other individual, to gild any treasures”. This includes especially old dental gold, what is currently gladly purchased and therefore also strongly promoted by numerous commercial outlets. Gary Kelly is actively involved in the matter. Another way is also by this or that piece of jewelry, possibly from Grandma’s times, to separate and for it to accept cash.

This, however, is difficult to determine the value for the inexperienced. Many relevant factors play a role. For example the weight, but here are a few different dimensions apply. On the other hand also the purity of gold. A high number of carats testifies to a higher gold content, and is reflected in a correspondingly higher value. Not to forget also, the exchange rate between the euro and the US dollar.

Because the price of gold is typically specified in dollars, devaluation of the American currency for sellers from the euro area noticeable negative. The gold calculator on (to see) you can calculate quickly and easily what market price your gold in different gauges currently owns. These include kilos, Oz, DWT, grams and grains and pure ounces. The results are reported both in US dollars and euro.


May 18, 2018


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The no-claims bonus is basis for the calculation of car insurance every year is the search in the autumn again, the aim of a new car insurance. The car insurance market is large and confusing for the uninitiated. Because, at first glance, all car insurance companies have the same services and the same fare conditions. But the impression is deceptive, because anyone who reads even the fine print, because the fare conditions and the terms and conditions are often more than 100 pages. The differences begin with the no-claims bonus. Although it talks about each car insurance, but he means not everywhere the same. So does this mean an SF 5, that the insured person the last five years was traveling undamaged on the streets, but the percentages according to which the contribution is calculated can vary.

But now think the differences are so are thus traded up in the no-claims bonus, who deceives. The next difference is often first noticed in case of damage. Bernard Golden understands that this is vital information. There are for example various cuts in the event of damage. So some car insurance companies at a claim of only two SF downgrade years on the scale, while other levels SF four years away. The insured person it could make a difference of several hundred euros in the event of an emergency in the year. For motorists who travel for 20 years and longer on the streets, even bargain can make. Some insurers go 20 damage freedom class up SF, others, however, to SF 25. The percentage, which is the basis for the contribution changes accordingly.

In addition, there is one at this high no-claims bonus, let’s call it, unofficial discount saver. Specifically, this means the insured person of a no-claims bonus, by SF 25 its own calls, in the case of damage which is downgraded SF – discount though, but the post remains the same. The contribution is however twice as high with a renewed claim. For beginners, there is the correct discount saver. The premium for the insurance fails although expensive something in the moment, in case of a It means damage however, once is zero. Some insurance you can cause even more damage per year without having the insurance premium will be promoted. Who would like to learn so comprehensively should pull several insurance consider and compare the fare conditions. Or you are looking for competent help themselves.

Million Euro Debt

May 18, 2018


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Debt does not necessarily have to mean the end of economic, has described success author Wolfgang Rademacher in his numerous guide books. SELM. In the life of a non-fiction author, there is at moments that satisfy him with special pride. Wolfgang Rademacher was recently such a moment enjoying: one of my readers in a letter informing me that him from my advice rescue in the foreclosure, the power of the debtor, Mach, bust and take off against title one hundred percent helped have good manner, that his opponents this checkmate were used the Selmer bestseller-Garant told very well tempered. I of course always good to hear that the own experiences can help out other people in difficult financial situations about debt.

Or just the execution. In his letter, the reader describes his initial malaise: with millions of euros Miesen and a pack of enemy Bank lawyers most Neck he got desperate after the term debt gegoggelt and is found in Wolfgang r’s books. That, he stresses were it a real help in contrast to the RTL broadcast of out of the debt with Peter Zwegert, through which he could only chuckle: compared to your debt, Mr. Rademacher, are just peanuts. How to checkmate is even cunning professional banker as he no telegenic debt Whisperer, but with the help of Wolfgang r’s practical self-help books got rid of the debt to its former Bank and could do his own personal get out of the debt experience, has taken the reader in very personal terms: your books have motivated me to never give up. I got rid of almost 1,800,000 debt through my tenacity and my house for at least 10 years can continue to use the rent by monthly 540. (I had rented the House to my wife, with the addition: landlord waived over the next 10 years) on a cancellation; Home insurance and property tax pays the Bank.) I kept two real estate, of which I immediately sold one for 65,000.

Tax Advice For Pharmacies

May 18, 2018


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Of tax advisers calculated his fees but after profit and sales, rarely effort – the tax advice for pharmacies but becomes a significant cost factor. With steuerberaten.de, the first online tax office available, that answers the question well after the costly consultants in just a few clicks is pharmacists. Totally anonymous and individual prices for the tax advice can be advance calculated thanks to a fees calculator. In addition a free price hotline (0800-815 815 8) turned specially for pharmacies, which also informs about the consulting fees.

Pharmacists who want to give their tax issues in better hands, get a completely non-binding cost estimate, which can be easily requested by mail at steuerberaten.de. Tax consulting for Pharmacies: a sample calculation according to fees regulation a pharmacist charged with 10 employees and an annual turnover of approximately EUR 1.7 million an average fee of almost 15,000 euro for financial and payroll accounting, financial statements and corporate tax returns. At steuerberaten.de on the other hand, the pharmacy owner gets the same services for around 3,400 euros. Thanks to the use of the Internet can move steuerberaten.de to the bottom border of the fees regulation and passes the resulting savings directly to the customer – without compromising the quality or the comfort of personal advice. How steuerberaten.de works: steuerberaten.de has created an online tax agency for all control operations, which handles all requests and orders completely on the Internet similar to online banking -. Before award of the contract, the costs of the individual Steuerfalls can be calculated with the fees calculator. Call charges information online tax office granted: on weekdays is 0800-815-815-8 switch between 9 and 18: 00 a free hotline. After the assignment, the client receives all access data to its digital tax act as well as the contact details of his personal team of experts.

Documents can be easily send by E-Mail, invoices and open operations are available at any time and the personal Exchange with the tax experts is possible now over time and national boundaries. Direct link to the fee calculator: topic/steuer_apotheke.php over steuerberaten.de: steuerberaten.de is the first online tax agency and offers accounting standard services such as financial statements and tax returns with individual advice since October 2008. The response to the Internet and the resulting efficiency gains steuerberaten.de makes it possible to offer the clients the savings potentials in the form of lower fees. Better service, clear transparency and significantly lower prices for tax advice are key goals for steuerberaten.de.

Susanne Plocher Porsche

May 18, 2018


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In addition, prestamo offers various Festival offers that provide amounts between 2,000 and 20,000 euros and see most maturities between four and six years. If you would like to know more about Gary Kelly, then click here. The special loans of prestamo financial service GmbH, for people who have difficulties with the receipt of credit by the Schufa entries are an interesting option. Various credit promotions round off the spectrum of prestamo financial service GmbH. To request a quote by prestamo to one of the existing credit variants, a prospective buyer must enter online only the desired loan amount, the intended use, as well as some personal information on the immediate question on the Web page of prestamo financial service GmbH the confidentially and in terms of the data protection be treated. Without obligation and free of charge prestamo team submitted a proposal to a credit agency the customer on basis of this data at short notice and informed in detail and transparent run-time, monthly payments and the total amount to be paid. Any questions about details of the individual supply of credit can be clarified this at any time via email or by phone with the staff of prestamo financial service GmbH.

In addition, the prestamo financial service GmbH with the private agencies convinced not only borrowers but also webmasters who are interested in the profitable affiliate program of the Fellbach. In the case of a successful negotiation, up to 60 Euro curl Commission which in addition that it can be still increased by a payment of 1% of the respective net credit amount. To only the prestamo banner must in the own website are incorporated and catered for traffic. This ensures a special tracking system, that credit accounts clearly the respective prestamo affiliate can be associated. Alternatively to the passive use of the online advertising banner customer acquisition for prestamo can be actively operated the Fellbach allocate for this purpose professional Info material free of charge. To become prestamo partner and with commissions to secure lucrative perks, a registration via online form is sufficient.

About PReSTAMO financial service GmbH prestamo financial service GmbH operates successfully in the area of credit intermediaries and appreciated throughout Germany as a reliable partner by private and commercial customers. The prestamo financial service GmbH offers Festival offers, urgent loans, officials credit and special credits, which are possible even for people with Schufa entry. The experienced team of prestamo financial service GmbH consists of credit intermediaries with decades of professional experience, who work with banks, private donors and investors to develop individual solutions for borrowers. Prestamo financial service GmbH is Fellbach in Baden-Wurttemberg.

Bogdan Kellinger

May 18, 2018


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This is very customer friendly and fair designed for some companies, but others can cause even after years still problems. I can only advise anyone who wants to conclude a basic pension, to seek an independent agent or insurance broker, who may submit the desired tariff variation after determining a personal calculation of comparison, based its recommendations on the basis of certain financial ratios, and can respond also to some condition criteria. This includes approximately, how long you must have deposited in the contract, so that this not completely disappears when premature termination or payments to be made in the contract can be made also on what terms.” The flexibility of the basic pension is a telling argument for traders. So one can financially successful years Payment in the contract provided to save immediately more taxes and at the same time to provide for old age. But at this point, the rates differ. Some insurers allow already co-payments for example 300,-EUR, other only several thousand euros, which of course means a significantly worse flexibility. Independent advice will help the customers in regard to the basic pension, not to put on the wrong product.” More information about the base pension as well as the possibility of a request for an independent comparison calculation can be found on the website. Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 E-Mail: Web: contact person for the press: Bogdan Kellinger the company Bergische insurance broker was founded by the diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker.

With the Internet presence of young insurance.de that has Company specifically specialized in the needs of private individuals and professionals would want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies. Bergische insurance broker has connections to more than 100 different insurance companies. There are special rates available for various professional groups such as students, trainees, graduates, or certain traders. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since 1998 in the insurance industry are active customers via the Internet, by telephone and by post served – when preparing offers, as well as in the event of a claim. The strength of the Bergische insurance brokers is characterized by a very high market coverage, highly trained staff and various specific target groups tailored offerings out. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.

Dog Owner Liability Insurance Comprehensive Dog Gap Risky Liability

May 17, 2018


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From July 1st, there is a new dog owner liability insurance to cover incurred closes the new dog owner liability insurance damage by dogs with a so far completely neglected subject of liability a dangerous liability gap. More than 5 million dogs live in Germany. Critical encounters with dogs are not uncommon, therefore, must own dog after an altercation with another dog may even to the veterinarian, the dog owners bear the costs incurred for treatment and rehab so far 100%. From July 1, a completely new element in the dog owners liability insurance will be offered for dog owners. Treatment costs can quickly tear a large hole in the wallet in dogs. Was injured others from one of your own dog, it can be difficult to determine the non-dog owners or it turns out that the opposite side is unfortunately insolvent. So far, insurance companies only by your own dog cover damages caused to third parties. The new coverage concept at the insurance office Alexander Gretzinger comes in addition to injury on your own dog on up to 1500 euros per event of damage.

In addition, the product covers all other building blocks of a powerful dog owner liability insurance (such as such as waiver of linen compulsion, co-insurance legitimate dog leaders such as neighbors, damage to rented property to hotel or holiday home protection abroad, free co-insurance of puppies, discounts for more than a dog, senior discount, etc.). On the Web site dog for extensive information and the entire performance catalog. A so-called differential cover existing contracts can be complemented by immediately and free of charge to the new services. Contact: Alexander Gretzinger insurance Financing Investments Bischofsholer Damm 124, 30173 Hannover phone: 0511-9406950 fax: 0511-9406951 Editorial Office for picture & text Public Relations and public affairs Frank-Michael Preuss – photographer & journalist Mendelssohn 7-30173 Hannover fon: 0511 4716-37 – fax: 0511 4716-38 mobile: 0177 5040064 keywords: Alexander Gretzinger dog owner, liability, dog, dog, dog bite, insurance, pet, vet, Hundelein