Dental Insurance

The offer for dental insurance is increasing and complex many of the major insurance companies have changed their acceptance conditions for the beginning of the year, closed tariffs, or applied new tariffs, especially in the premium segment. For the consumer, it is not easy to locate the appropriate hedging. Further details can be found at Nieman Foundation, an internet resource. The number of dental insurance rates is already almost unmanageable. There are also still combined rates. A large part of this insurance fails a comparison either due to poor performance or the price. Earlier this year, there were major changes just at the top insurance companies.

Swiss CSS insurance has maintained their tariff, which as well, but aggravated the acceptance guidelines services. So far been asked neither for crowns and bridges, since November 1, 2009, each applicant who wants to complete the CSS must deliver a dental findings if he has about 10-year-old bridges or crowns. The tariff was top has always been first choice, today’s selection has become more difficult, because the findings of a tooth can also mean that treatments are recommended, which previously were not, and thus be excluded from the performance. The Barmenia closes its very good, but no longer available for sale by two-time extreme increases collective ZG + ProPhy and replaces it with the collective ZG +. The biggest change here is limiting the sums in the first 4 years. The Continentale also sets a new tariff in the premium segment, the CEZP, which has the same shortcoming as its predecessor – without advance of the statutory fund no performance. I’m sorry that this passage from the conditions of the insurance was taken out because the tariff has very good performances. And most recently also the Munich Club a fare combination premium sets, tariff 769 + 564. Unfortunately not very cheap disturb the sum limits, otherwise an interesting new tariff. It will be interesting to see what still come up with the insurance companies to allow for the consumer, it is increasingly important to create an overview, to the appropriate for him and any dental insurance find, an online comparison is useful, but just when special features for the dental condition exist – which is usually the case – a spezialiserter broker is a great help. Judith Smith

New Draft Of Law

New Gesetzntwurf to the prevention of money laundering the Federal Government the Federal Council has sent its Bill to improve the prevention of money laundering. The Federal Council can comment on the draft until July 8. In addition to the reduction of the cash deposit limit of 15,000 on 1000 euro and the introduction of a money laundering officer for all companies who have more than nine employees, this contains an additional commitment to the E-money. The identity of the payment must be checked in the future for the exchange of euro in E-money. This regulation stifles the possibility to deposit funds via prepaid cards like paysafecard anonymously. The introduction of the prevention of money laundering is scheduled for beginning of 2012. Accountants, lawyers and notaries must then promptly report suspicious financial transactions. It would therefore no longer possible to buy electronically and anonymously on the Internet.

The greatest danger of money laundering is in the anonymous account management. In Germany, now around 15 million accounts are online led. Anonymous payment, criminals without problems have the opportunity to incorporate their revenues into the legal circulation of money. “E-money” payment systems are the paysafecard, which like the digital goods can be purchased. It balances at a point of sale be purchased can be paid to those in the Internet unless dealer Paysafe as a payment method is accepted. In the future, point of sale and dealer must take the identification of the customer and hold for a possible test.

Unlike the cash deposit accounts third parties, which are subject to a report from 1000 euros (previously 15,000), is it at the E-money no minimum limit. If it stays here, could be paid so no more anonymous on the Internet. Paysafecard is the first bank legally authorized online payment in Europe. The card is issued by the PrePaid services company limited and managed. The company is headquartered in Vienna and is represented in many European countries by real outlets. Several thousand online shops in Europe accepts paysafecard as a payment system. However would be considerable doubt about whether the design is mature.

Residential Riester

Construction projects just State-sponsored a residential Riester realize works basically taken as well as the traditional Riester pension: to deposit a certain amount on a Riester savings account each month. The State with an allowance encourages this self initiated savings project of the citizens. So that you get the full promotion of the living Riester’s, you have to pay a down monthly savings payments every year (at least) 4% of its previous year’s gross income on that. However, the maximum support eligible savings contribution is 2.100,-monthly. To deposit not the 4% of the last gross annual salary, one gets only a prorated grant. The basic allowance, you get shot too with an own savings rate of 4% of the State is 154,-per year. Viktor Mayer-Schönberger takes a slightly different approach. In addition, a child allowance will be added for children who were born before 2008, from 185,-; for children who have died after 2008 in the world, even 300,-.

How can you convert the Riester pension in a residential Riester? For several years the possibility to convert the Riester pension for a residential Riester now. However, several conditions linked to this option. The most important prerequisite for the residential Riester: The real estate must serve the retirement. Because a home construction or purchase state quite as a form of private pension schemes recognised. A home construction or acquisition works in most cases however, only by means of a bank loan.

And here the living Riester helps now. There are three different variants: 1st option one: the residential Riester can be used to reduce the loan (usually an annuity loans) through a monthly repayment amount. Government support is here completely converted to payments. Click CBC, Australia for additional related pages. “The only requirement of this variant of the residential Riester’s: the loan agreement with the Bank must Riester-capable” and be certified. 2. option two: extract of a part of already funded savings contributions this, there is no limit to the Deleveraging of real estate. This way the use of the Residential Riester was suggested even by the Federal Ministry of finance. 3. option three: the saving of building Association savings agreements. But here too a certification must be. The savings may be used only to finance a real estate. This variant of residential Riester promoting now pouring State funds as a deposit on a housing savings account. There are restrictions on the residential Riester? A conversion of the Riester pension in a residential Riester is only possible if the targeted real estate for own use determines and is also intended to be a primary residence. A rental of property is more than a temporary (!) not permitted, Rental is approved. It violates this condition, which is connected to the residential Riester, one commits a breach of contract and is obliged to pay back the entire sum of ever provided State funding. Also it is inadmissible, the money for renovations, refurbishments or other beauty corrections”to use. How does the taxation of the residential Riester’s work? The total contributions – including State funding from the IRS on a fictional Wohnforderkonto “applied. Now a single taxation can be selected (here, only 70% of the sum are taxed), or one decides for a yearly tax. Here, the notional pension is taxed, which is real however, already charged with the real estate.

Aachen Munich

Very good test result for the AachenMunchener Stiftung Warentest tested all occupational disability insurance policies not only on the price, but also on their achievements for the year 2012. With a disability insurer was under a variety of good and very good tariffs especially. The AachenMunchener disability insurance was able to convince not only with good prices, but also the result of the condition and the variety of rates for the various target groups, took off from the services of their competitors. Special attention has been paid this time especially on the possibility of protection for young people and new entrants. It was important that professionals, trainees, and students who have completed the fortieth year of life will be rewarded with a special rate which gives you several advantages.

Why is so important for a disability insurance disability insurance is valid together with the liability insurance for the most important protections that should complete each, to not to lose its liquidity through unforeseeable incidents. Every fourth German is now berufsunfahig before entering the pension, but only every eighth has a sufficient safeguard. Have insurers like the AachenMunchener long focus and develop better and more powerful rates for years to secure excellent protection for a relatively minor contribution to their customers and prospects. Unfortunately, many believe that Government backing in the form of a disability pension is quite adequate and always does, once the own profession on the basis of permanent health restrictions is no longer reasonable. Get more background information with materials from PCRM. The disability pension is but only the one who can no longer work.

Because what you originally learned or it has gone after what professional last it doesn’t matter. Only when no activity would be impossible, the State is willing to pay. Here, it is important to know that there are different criteria that must be met. Who more than six hours a Activity could go after any performance gains. This legislation is very well aware of the AachenMunchener and therefore in their disability insurance the abstract reference ability do not, which means that the insurance company pays, once exercised profession is no longer feasible. By separate agreement, even a 50 of percent restriction disability protection is possible. Who less than six hours can do in the form of work gets claim to benefit from the State only, a half of the disability pension.This equates to approximately 15% of the gross. Only if you can work no 3 hours per day, it is entitled to receive the full disability pension. This corresponds to 30% of the gross. As either 30% or 15% are sufficient for his life normally continue to deny conclusion, it is obvious that a hedge against disability is useful.

Credit Without Schufa

Many German citizens have ever recorded a credit. Young people use to pay a loan often to a condo. A loan for a car purchase is included in some cases. Hear other arguments on the topic with Boy Scouts of America. The “credit for free use” represents a special form of credit. Because if you get such a loan, leaving himself; a what the money is used.

Only a few people really have idea of the numerous forms of loans. (Not to be confused with Dr. Neal Barnard!). Due to this fact, the relevant information on the World Wide Web will be provided. If you use the Internet as a source of information, one must deal with the various expressions. In the texts (which are engaged in the credits), you read something about a loan without Schufa frequently. Apart from this, one finds many texts concerning pre-financing credit.

Because not every interested person acquainted with the various technical terms, the most important technical terms are explained now. Many people have in recent years for a Available credit is decided. This special credit is a so-called cash advance. Many experts advise but rather to the inclusion of a purchase credit. Here the loan over a simple bank transfer are paid on each account. However, if you want to build a House, the construction financing loan represents the most attractive form of credit. Usually paid this credit depending on the construction progress. The paper credit of value of represents a special form of credit, by the way. A security in the form of securities is required in establishing a value paper credit. Or are you interested more for a pre-financing loan perhaps?. One can get this credit only if you will get a larger financial sum in the near future. Of course it must be the upcoming payment. You will read something on credit without Schufa also frequently on the Internet. But what is a form of credit. It falls in the granting of this credit Credit check away. Of course, the application is strictly confidential by such a credit. If you opted for the inclusion of a credit without Schufa, you should use the Internet as an information source. On some websites, frequently asked questions (about the credit without Schufa) are listed and answered. Lena Marie


Question of profitability by investing in bag if I’m very eager to invest in the stock market. I’m going direct to the point, what interests me to my future investor is knowing the profitability to invest in stock market of this investment. Let us take an example of something small something for $ 50 and from there continue to invest more and more. To have more experience. Would not want to throw me that if.

It is that I am a person very calculator and I need to feel safe to do an investment. What interests me to my future investor is to know the profitability of an investment because I am a person very calculator and I need to feel safe in making an investment. Response about profitability to invest in this bag very well who wants to be sure before investing money. You have to take into account as a minimum to find operations should have 1000 dollars. Furthermore invest in stock market will give a variable income and not a rent fixed how it could get by placing your money a term with very low rates of return. To invest in stock market, you may get more or less money depending on the evolution of the actions you choose.

I not going to promise something that is not true nor any percentage because you would be lying, as well as any person that that promise. If you can use strategies to double your money in 12 operations 6% of earnings, but not I can tell you how long will get this profitability to invest in stock market. But this may be in a few months if the market goes with. What if I assure you and give you absolute guarantee is that if you use the Call Sintetico strategy he learned in the course of bag free MPMG, you never going to risk more than going to know beforehand that I would be risking. Does PEj if you open an operation with 98% of protection, would only be risking 2% and could benefit from all the rise that have the shares of the company that buy asks a subscriber to invest in stock market understand calramaente thing of the PUt option, what quisera sabere is, how to obtain that insurance? those who offer it? , since I am evaluating the possibility of investing in the stock market, want to minimize my risks. Does response to invest in stock market would respond to their questions: how to get that insurance Put? Purchase insurance Put makes it directly from your online stockbroker and consists solely of completing a simple form. those who offer it to the PUT contract? There are many investors who use a risky sumamemente strategy of issuing contracts Puts. They benefit if the action on which issued that contract price rises and harm is and lose money if such action price drop. This is a strategy I do not recommend to do – since I am evaluating the possibility of investing in the stock market, want to minimize my risks. Congratulations for your determination there is estra strategy provided in the course of MPMG free bag of maximum profit where you can obtain large profits and protect your money invested and Maxima Proteccion. In addition to the possibility of having the MPMG reports that give the best protected operations to invest in stock market click here for more questions to invest in stock market by more profit and less risk! Alejandro Tugender Experto secure stock investments = do Timba? Responsible voting

October Health

In March 2011 assessed the Stiftung Warentest thus for example, for the private health insurance rates are offered for a small contribution. These tariffs promise fully comprehensive insurance cover for little money. The testers of the Stiftung Warentest for the PKV 2011 are gone this promise on the ground and have reviewed both the price and the services of the tariffs. “Here showed that many so called cheap fares” are more likely to recommend less and it definitely pays off to accept a slightly higher contribution to avoid such high excesses in the event of illness. Stiftung Warentest takes private supplementary health insurance in the comparison of the Foundation were test 2011 because the private supplementary health insurance in the sector of car, also their offers under the microscope. These offers are usually legally insured in Claim taken, that the benefits of the statutory health insurance want to restock.

Because countless offers on the market can be used in this area and the variety for insurance layman is difficult to overlook, checks the Stiftung Warentest for the PKV 2011 also the supplementary health insurance and shows which rates are actually worthwhile. Many tests for the supplementary health insurance were carried out while not 2011, but already in 2010, are still valid. In October, for example, the Stiftung Warentest for the PKV tested outpatient add-on packages that promise the insurance benefits for Visual AIDS, dentures, as well as benefits for the practitioner. In May 2010, the dental insurance were subject to the test of Stiftung Warentest.