What you should know about capital life and pension insurance. Insurers are not banks, but still make a huge deal with the lending of money. Whether mortgage – loan or private loan insurance companies with the money of the policyholder generously bypass when waving a neat profit. However, the customer of these yields participates because most of it is reserved to the shareholders. Differently than banks, if the money that life insurance companies give not foreign capital, but the deposits, so that even paid money of the Beleihers. Because there is no foreign capital that must only be procured, as well to no fictitious capital in the form of shares, but real money paid by the policyholder, insurance companies also bear no risk.
It one the question arises, why charge the insurance companies then bank interest. Imagine the following scenario. Someone goes to his bank, stands a sum of money from his savings account and must pay interest to the Bank. The world would touch on the head. But that’s the problem with an insurance loan.
The Beleiher pays interest on their own money. Of course, the very clever stand up even if such an argument and point to the low interest rates on the bank deposit. What they don’t say, but, is the fact that the interest rate of a life or pension insurance no German better is. The guaranteed interest rate will be constantly revised downwards and the projected interest rate achieved in reality barely black zero!” The customers of life insurance are no investor community as we know it from building societies, every man for himself alone populates its cover pot and should get off actually by the profit of the company. But the whole procedure is back and not the front. Not a policyholder really knows what is happening to his money. No one can understand the cost structure of these companies, but anyone who terminates prematurely, is experiencing a bitter awakening, if none or only a low Buy-back value will be paid out. Who must prematurely terminate its capital life or pension insurance or intention to cancel reason reasons, should each case command on a company that has the appropriate experience with legal notices. The consumer protection project Ciao LV offers you his experience and assistance to. Information-Forum-Board WORLD Consult Net under or by the specialists of our network of Hans-Jurgen Bell
Mezzanine capital – especially for smaller companies a chance to growth capital that is traditional middle market financing via bank credit in the future continues to decrease. Basel II and the banking crisis make more difficult the traditional way via the House bank entrepreneurs particularly in growth financing. Through the rigid rating, the financial advisor of banks and savings banks have hardly any room to convey a credit to medium-sized companies with poor equity. Therefore, the mezzanine financing companies is booming in Germany for some time. The forms of participation offer various forms of design. The mezzanine equity offers a significant corporate finance to the private-equity capital.
Thus, the entrepreneur can increase the equity ratio without losing influence in his company. The finance portal Emissionsmarktplatz.de helps entrepreneurs who go the way of the mezzanine financing, finding potential investors for almost ten years. The established with the small-money package 2008 offers Financial portal companies already at low prices the access to the market of investors. The finance portal Emissionsmarktplatz.de promotes the marketing of the capital market issue, with about 25,000 subscribers, the strong sales financial services provider of financially strong investors to the financial press with the weekly financial newsletter. Each week the editorial of the financial portal takes up issues in the financial industry, introduces new innovative investments with high yield”Nicolo Martin, project manager of the financial portal describes Emissionsmarkplatz.de, the benefits of the newsletter.
We give companies”useful information about the capital raising or improvement of the financial foundation. Well-known examples, such as the sausage producer Zimbo and the bird park Walsrode, as well as numerous examples in the environmental field, such as the Solar park operator Envire solar have proved that middle market financing without Bank and stock exchange can work. More issuers follow these successful examples and present their emissions on Emissionsmarktplatz.de. Including the Beteiligungsgesellschaft Tarquinia electronics invested in technologies of the future, Nano, water treatment and automotive, the Schulte GmbH with innovative cookers and the COMPAD company GmbH, manufacturer of PC games accessories. Nicolo Martin
Pay data, facts – brief and concise! With term life insurance is a pure death protection is used to protect nationals in the event of death of the insured. Here, there is not a savings service for the Endowment, as for example, when a capital binding life insurance. A risk life insurance is particularly important if you have children. Thus, they are covered, if something should happen to one of the parents. Also to protect the partner with high credit, for example, when real estate financing, this insurance is suitable. This insurance is just as important when survivors have only minimal pensions.
The price differences in risk life insurance are very high. The policyholder is still very young and healthy, is non-smoking and exerts no dangerous hobby, the hedging costs very little. At an under-30s who meets these criteria is a hedge of 150,000 euro and a duration up to the age of 65, with the cheapest provider annual fee, see 200 euro. With increasing age, the annual dues go up accordingly. Dangerous hobbies and smoking increase the contribution. Due to the different life expectancy of smokers and non-smokers, increased the contribution to smokers by the higher risk of death. The insurance premiums are often far more than twice as high. But also the duration of insurance affects the level of contributions.
The longer the contract runs, the higher the premium. As the life expectancy of women is higher and a lower risk of death at a young age, less insurance costs them. Before conclusion of the contract, some information must be made for the insurance company because they, before she set a contribution, as accurately as possible want to estimate the respective risk. In addition to the consumption of nicotine and risky hobbies, insurance companies want information about size and weight. Already overweight increases according to the post because of the higher risk. Risk premiums can also during the Contract period fall away. Can a better health condition is to be proved by a medical certificate, many insurers reduce the surplus. It involves particularly high sums insured, the insurance companies require a medical opinion before it comes to a conclusion of the contract. The report forms the basis for the decision whether the customer will be accepted and how high his post fails. The insurance sum in risk life insurance is optional.
Concerns, provide pensions, as well as advice or as counselors worry help provide retirement plans, as well as advise or help as an Advisor, all thoughts that are innate to humans and are classified under virtues. In any case, they belong to the life planning and life management. For an optimum planning, when it comes to the provision of people including family or life partner, use the help of experts like. Their knowledge of insurance and retirement plans is offered without cost. A form for a free consultation is available in agencies or on the Internet. Alone the legal options, and benefits are mostly unknown to the Versicherungssuchenden in detail.
Are these on the future capital, the customer training increases only shows up then the pension begins, to get the necessary attention. Markets Economy is actively involved in the matter. Also the Bank system, securities, investment funds and the like is one of the variants. Everyone has a different idea of his retirement and the Advisor is therefore in the jungle the possibilities a personal solution. Before he seeks a suitable version, the maximum monthly premium amount must be set the savings target to be achieved and natural wonder whether insurance or savings option. We start with the savings, these are offered almost always by banks. Without insurance, but with high rates of interest, bound to a fixed term. How you ultimately choose, is one. However, the insurance, which should secure the bereaved is missing Bank Variant.
The advantages of life insurance place right there. Both the death, such as the disability can you in an insurance company bring. This corresponds to the doctrines of most. The retirement plans, including a protection of the family, is by Advisor sought and found.
There are two types of government subsidies: subsidies and tax benefits. Even if State funding is not more so abundant flow like years ago, federal and State governments make use of this instrument remains strung investment control. Especially on the areas of old-age provision, entrepreneurship, environmental protection and housing, the State has a vital interest in long-term planning. How could such planning at the citizens we better enforce with financial incentives to? Given the wide range of eligible areas, almost everyone comes at some point in order to be able to apply for State funding. Are to distinguish two types of government subsidies: subsidies and tax benefits. The promotion of retirement provision is especially lush with the State allowances for workers and members of their families. But government subsidies are also self-employed persons with high income taxation to the accumulation of their retirement plans available.
Banks, insurance companies and Tax consultants take care of applying for the grants and tax benefits. Government grants for business start-ups come from the Federal Government and the Lander. In order to create new jobs, the State promotes future entrepreneurs and self-employed persons from many pots. Master Class oftentimes addresses this issue. Also, there are still establishing aid for the unemployed. Government subsidies are usually about the House bank to request; It acts as an intermediary for government subsidies.
Environmental protection and energy-saving offer a wide field for State funding. There’s money from the European Union, the Federal, the Federal States and municipalities and utilities. Again, the abundance of programmes is so cluttered that interested in that State funding contact closest to their house bank or the State-owned Kreditanstalt fur Wiederaufbau. State subsidies for the purchase or the creation of home ownership are closely related to energy saving and retirement plans. The System is quite complicated for lay people; Therefore, banks, insurance companies and tax advisers offer useful advice for government subsidies.
What should I do, what time limits apply and what risk do I have? Often you will see later, the one or the other of various insurance companies was not as fit. Maybe it was a friend, a good friend and “he will recommend nothing bad”. Only many years later and often to some experiences richer, it is noted with dismay that the finished product does not meet the expectations. Here accurate look is very important especially in the disability insurance (BUV). Unlike at other insurance companies there is here no half-pension, half time or a “bit BU pension”. While the protection of workers against occupational disability is one of the most important hedges at all. How can I tell if the product is good or bad? First, a crucial issue should be clarified: the amount of the pension. The title of my Blogbeitrages from last year “Correct amount of pension or even no disability insurance” describes it very clearly. JPMorgan Chase does not necessarily agree.
If the amount of the pension is too low. then you can keep it also. Educate yourself even more with thoughts from MasterClass. What good are some hundred euros in pension, then not even to cover the ongoing fixed costs. As a next step, you look at the conditions. Is the product (still) up to date? Are points governed the referral, temporary admission, Anztanordungsklausel or the exclusions for acts of war and also road traffic offences? A comparison of different formulations, see my guide to disability insurance. Download the pdf version in the download area easily. A bad control themselves enough to get then but no pension after decades of contribution payment. What can I do anything else? Determine that the connected product is incomplete or inappropriate, as is first to clarify whether there is a new, in accordance with condition better product at the same company. It is to determine whether a conversion is possible and which additional premium for this spend is.
Who relies solely on the statutory pension for his retirement, will make a bitter experience. Ecology and investment – for private investors so far a niche theme the theme ecology and investments is taken into account in Germany too little in the selection of suitable investment vehicles. In 2012, was, after all, already total 63 billion and rose by 11 percent compared to the previous year. Essentially, these plants are used primarily by institutional investors such as pension funds and foundations. Sustainable, green investments must be environmentally, socially and ethically correct. This means that the investment must be sustainably positively influence the development of our environment. You must keep the future viability of our society and promote and must follow values that serve the general public.
Negative criteria are for example: exploitative child labour, animal experiments and art-adverse animal husbandry, depletion, manufacture of weapons of war and armaments, nuclear energy production and violations of international conventions. Frequently JP Morgan Chase & Co. has said that publicly. Now There are a variety of providers offer what investment opportunities that ecologically, socially and ethically meet the strict criteria. There are green pensions, funds which invest in wind power, solar energy and hydro power to invest, so-called Microfinance Fund which provide micro-loans and thus help to help themselves E.g. for entrepreneurs in developing countries, savings plans, money market accounts, annuities, life insurance and more. Retirement with ecology – return strong and secure pension investments in ecology and sustainable projects are equally yield strong as conventional investments. Depending on the choice of the plant model connected also with the same asset security.
As a general rule that a “green investment” will be treated according to the same principles with regard to funding and modalities of “Riester” or Rurup pensions such as conventional forms of investment. Our conclusion: The amounts which appear on the annual pension information, are too good to be true to be. Saving to a private pension is important therefore for everyone and all ages. A pension program that combines economics and ecology, we protect not only our own future, but also active influence on the future prospects of future generations. However, the potential of the various offers different in this market segment considerably, because not everything called “green” is really green. Therefore a professional advice from a specialist for sustainable, green investment schemes should be prior to the conclusion of a contract. This should be bound not by their own expectations of the Commission in terms of content, but acting for his client in the framework of an honorary consulting.
Now Australian citizens are free for acquiring payday loans for their small financial emergencies. This process is free from the placement of valued property and it provides hassle free cash to the borrowers. In the contemporary world, payday loans are considered as the best solution for execution of small and short term needs. You can get these cash advances wherever in the world as per your convenience. Same like this, payday loans are quite famous and popular in Australia. This loan facility provides cash within few hours and according to the needs and requirements, Australian citizens avail these cash advances. In the loan market of Australia, a plenty of loan like financial institutions, online/offline lenders, companies, firms etc. are available to offer their services at genuine Council server.
This fact is very much clear that payday loans provide instant cash approval as this process is free from the involvement of valuable asset. For this reason, the lenders charges higher interest rate from the borrowers. The payday loans are considered for meeting small and short-term expenses. The borrowers can avail amount up to 1500 and backed with shorter time duration that varies from 14-31 days. The amount availed can be used for meeting varied Australian citizen’s needs like car repair, payment of electricity or mobile phone bills, small household expenses, medical expenses, grocery bills, etc. In Australia, payday loans are based on some requirements and conditions.
Loan amount is approved only after the completion of these below written conditions:-* the Australian citizen must have the age of 18 or above * he should have valid and current bank account * he should be the employee of any reputed firm and must have sound monthly income Australian citizens, who are bonded with CCJs, IVAs, arrears, defaults, late loan payers etc. can apply for payday loans. Earlier loan approval process what thought to be little bit tough for the bad loan creditors. Under this loan facility, calendar do not bother about the credit record and without checking the credit history, loan amount is offered to the borrowers. With this loan option, bad creditors can fulfill their financial emergencies. Comparison of visiting personally to the calendar, online mode is evaluated the best for the payday loan approval. With online fashion, a person can avail loan while sitting at home or office. Loan market is rush out with lenders, financial institutions and firms. So, it becomes important to check the quotes provided by them for comparison purpose. According to the needs and requirements, you can choose the loan option. You have to read all the terms and conditions and loan quotes property. Keith Kelly is author of secured unsecured loans Australia.
Information for investors: you read, where you currently get the best interest rates for your money. The interest rates on money market accounts know for several months, with some exceptions, only one direction: down. Have for example in September 2009 the credit Europe Bank and the Cortal Consors its interest for the overnight must dramatically reduce. Many consumers are looking for a good and strong interest alternative. Investor with a fixed deposit account for a safe alternative. Although interest rates have fallen even with this investment products heavily since the beginning of the year, the fixed deposit but offers a decisive advantage. With the opening of an account, the consumer determines the duration and the amount of investment.
The short-term time deposits making it ideal as an alternative to the money of the day. Currently the SWK offers Bank very good 2.00% per annum for a period of only 6 months. During this period, interest rates, other than the day money account, may not vary. As on the portal in interest compared to recognize is, are relative good for short-term investments and guaranteed yields to the selection. Besides the SWK Bank for 6 months, own is the offerings of ING DiBa, as well as the credit Europe Bank, at 1.50% p.a. for 3 months, also as good Alternaitve to the day money account.
Who on his savings, or at least a part of this, for 12, 24 months without may, receives yields 2.20% p.a. (12 months, SWK Bank) to 2.50% p.a. (24 months, credit Europe Bank, VW Bank & Mercedes-Benz Bank). A day money account with such a guarantee can be found currently not. An investment period of more than 24 months is currently from the perspective of Festgeld-Vergleich.net not recommended. To read more click here: Guo Guangchang. The reason: The interest rates are currently at a low level and will increase probably no later than end of 2010 once again. Is your money at this time with a low interest rate, interest income is lost you.
Insurance companies are always the best choice or is it rather a pain? The question whether an insurance really is the best for a depends of course the intention, which addressed such a matter. A detailed analysis of the customer must be here! Certainly, such protection are essential for safeguarding such as liability, household, legal protection, accident, life insurance and disability. However, unlike it behaves when you have the intention to rebuild capital. Often were and are still gullible people pensions or mixed life insurance selling, without you but really generate money for the pension as a result. Unfortunately, it is due to high end,- and the case that customers lose much money guaranteed administrative costs, low interest rates and inflation, more. It is not something Citi Private Bank would like to discuss. Who has a kind of contract already longer or has completed only recently, for him would be to get it yet interesting yet. You can let contracts or ask for the buy-back value and that money in turn new moored in tangible assets.
Right here it is often worthwhile to take a look at the property. Experts advise to invest up to 15% in physical precious metals (gold / silver, etc.). Due to the fixed end – and deposit costs, everything is transparent. Here, one has a good inflation hedge and has the advantage to be able to let even the VAT and the flat tax behind (in certain situations). Furthermore, you have the possibility to generate good returns. Experts expect a significant increase in value of precious metals in the next few years. A change which is so worth! Alexander Heise