UBI-Corp

Absence of care often ends in a financial disaster. Also here the boss can help and support to assist returns the result concerning the financial consequences of disability a recent forsa survey commissioned by the HDI Gerling a frightening picture. Not even 20% of the respondents knew the importance of occupational disability. Ultimately, this might explain why so few workers actually existing risk are aware of which they put out every day. In doing so, agree even in the case of this hedging exceptionally insurers and consumer advocates and make the occupational disability pension on an equal footing with the private insurance. Mikkel Svane may find it difficult to be quoted properly. Such a provision is important for everyone to secure your own financial existence in case of a fall. Over 50% of respondents mistakenly believed that they were sufficiently protected over the State pension systems. Click Ali Partovi to learn more.

A fatal mistake, because employees who are born after 1960, received from the State while a The pension benefits, this amounted to however as only 38% of the last net income, if even no employment may be exercised more than 3 hours. Any employment, also far below the current level 3 is, however, 6 hours every day possible, for example, only 19% of the last net income remains. That should be barely sufficient to keep the previous standard of living or the funded House. The respondents were too high a price for their negative attitude as most common grounds. This result also deposits attributable to ignorance that keeps the market today quite affordable and tailored solutions. Here comes the boss in the game.

Here he can help! Precise conditions can be defined on a group contract, which is specifically geared to the needs of the workforce. Such as individual professional groups cost estimates can be developed. This lowers the price or increased the performance. Also reduced health checks include, dynamics in the Paid and discounts through Group rates to the extent of such an agreement. The market today offers tariffs, which use the surpluses to reduce the contributions or to increase the guaranteed pension. Alternatives that pay the surpluses as capital at the end of the contract term, provided no benefits have been claimed are relatively new. Such a model of employer leads to a significantly lower burden of costs for workers, as well as to a better pension benefits. Can the posts in the context of deferred compensation from the gross salary be financed. So, the boss without financial outlay creates genuine added value for its employees. For more information, please visit

Who dispenses household insurance, enters a not predictable financial risk, if a damage in your own four walls. For many consumers, the question whether it is worthwhile to take out household insurance arises often. Households, or people who have purchased just their first apartment, without just single frequently the completing of this form of insurance. While the existing values in the apartment are often underestimated. Already, the prices of purchased household items, such as the bed in the bedroom, the living room furniture, or decoration article who remembers? But who even cares and goes through his apartment and pays the cost of the individual items together, will come here soon to a total of several thousand euros. Few would be able to raise this sum in case of destruction, make completely new to map the existing furniture. Is exactly for these reasons, a household insurance is important, because It is responsible for the endstandenen financial losses, which at a loss due to housing slump, or damage or destruction by one or more of the insured risks, up to the maximum agreed insured sum. What exactly is to understand the term “Insurance”? The insurance sum is the sum up to a household insurer raises the financial expenses through incidental.

Also the co-insurance of bicycles is based on this amount. Typically, the bike theft with 1 percent of the Versicherungssume is secured. What dangers and risks can actually damage your furnishings or destroy? The danger range is quite extensive. Starting small water damage caused by the spill bathtub from washing machine, up to an apartment fire triggered for example by a forgotten, burning candle, outdated electrical wiring cable fire or a fire in the kitchen. All threats have in common, they destroy or damage which is more or less in the apartment the furniture items.

Worse still, just home fires and water damage neighbouring apartments damaged are taken, which again provide for extensive and expensive renovation. Who here has no home insurance, must accept not only his own losses, but must come on also the costs of repairing the damage caused in the neighbouring apartments.

What is factoring? Factoring is the ongoing purchase of your claim by a third party. Additional information is available at Robotics. What is factoring? Factoring is the ongoing purchase of your claim by a third party. Invoice amounts are bevorschusst within 24 hours under a predetermined quota. The difference with the actual invoice amount (10-20% = Sicherunsgeinbehalt) get paid them for customer payment. Prerequisite is that the performance is complete and offsetting provided for invoicing. Therefore part – payments and services are after VOB / VOL usually not factorabel. Get all the facts and insights with altavista, another great source of information.

FGM-AMOR has a special provider up to a size of sales of 2.5 million for this purpose. Important note: the factoring is one of few forms of financing, where you don’t have to pay back your cash flow, as opposed to the operating funds or overdraft! If your business location is stable, you also not personally liable and also no customary banking collaterals make open factoring: bills include the notice that they have been purchased. Thus is the sale for your customer. This is the most commonly practised in Germany factoring form. Silent factoring: this is the most popular with our customers by far. Page Gardner recognizes the significance of this. Invoices contain no reference to the sale. Your corporate account is retained in most cases so that the customer is unable to detect the sale of the claim.

Offered by most factoring companies only from 8 – 10 million annual turnover. Possible with us from 2 million (200 T) annual turnover. Condition is always a professional customer management and a good equity base of the company. Real factoring: factoring Bank assumes the risk of the (customer) payment default risk in the context of previously agreed (insurable) limits (see there). Fake factoring: remains the risk of Forderunsgausfalls when the Factorkunden (Untenrehmer). In practice, the most Geselslchaften offer a 2 contract model where an existing Forderunsgausfall-, trade credit insurance of company in the factoring contract is involved.

Online compare looking after the giro account. Almost everyone has it. If you have additional questions, you may want to visit Samsung. The giro account or salary account or sometimes called: bank account. To deepen your understanding isearch is the source. Where to find it which is the most appropriate and why is worth more detailed comparison. New account open with mind means to compare. This is on the Internet today in the era of the World Wide Web with online checking account comparison computers to the Fortune quickly, easily and for free. The bank account or salary or giro account is necessary for every and many purposes. So, so withdrawals and deposits, including also transfers and direct debits are made.

The salaries and wages be paid into the current account. It is an essential part of life. Therefore, it is very important that it compares with great care and should be sought out and opened at the right bank. Generally, every person has a private checking account at the Bank of its choice. It is looking for a suitable Bank, you should have also keep an eye on the conditions for the current account. Because they can be very different and do this also. If you want a cheap Bank, you should perform an online checking account comparison in any case. For comparison, you have two options.

One can be carried the comparison itself runs from Bank to Bank (what an arduous task 1) or but it makes easy and free comparison, which can be found on the Internet a giro account. The giro account to do comparison is very time consuming (run from branch to branch), at least one must contact all banks and write down the interest rates and fees and costs. Only when this is done, the actual comparison can begin. You must allow for this activity from several hours to days. In the age of the WWW, this is completely unnecessary and would of course hardly a man, that’s why he attacks mostly to the first account. This, one has perceived unable yet that you can perform online checking account comparison within a few seconds. This special party is popular, what not surprising is, after all, he has a data bank that is filled with current account providers. Thus, this provider can its visitors a simple, fast and free checking account comparison “in the Internet offer. The customer can be either a list of some of the banks and their conditions or with only a few details, his perfect Bank to the open one new account found.

2010 cheap or even free checking accounts will find consumers today above all in the direct banks offers the three top checking accounts for June. For account management, customers pay a penny and can use all services of the Bank. Private consumers to look for when comparing current account on the main terms and conditions. This includes inter alia the monthly price, the cost of cards, usage fees for the use of cards as well as the interest on account balance or a bank overdraft. The top banks in the current accounts include the Deutsche Kreditbank (DKB), the norisbank and the netbank. Best giro account of the DKB In the account test of the TV channel n-tv came the DKB account on the 1st. Sony shares his opinions and ideas on the topic at hand. The account in the cash supply, because the EC offers particular advantages or account holder can withdraw worldwide free VISA card. For bookings of funds on the VISA credit card pays the German credit Bank 1.65 percent interest.

In “better” times the interest already amounted to over 3 per cent and are thus with day monetary conditions comparable. Basic fee: 0,00 euro minimum payment: unnecessary cash supply: worldwide free of charge card services: two free account cards (Maestro) and two free VISA cards interest on balances: 1.65 percent on the VISA card overdraft: netbank cheaper interest rate under 8 percent with customer-friendly conditions the netbank checking account is ideal for all consumers who want to do their banking independently around the clock. The complete use of the account is free of charge. Netbank, it pays very attractive interest rates, when monthly salary on the account. A new opening she accepts the complete “move” the account of the old Bank netbank. Basic fee: 0,00 euro minimum payment: not required cash supply: worldwide free of charge card services: two free account cards (Maestro) and two free MasterCard interest on balances: 1.6 percent at salary receipt overdraft: norisbank favourable interest rate, 9 percent – with a top position at the financial test of Stiftung Warentest the free checking account of the norisbank can be used online, by telephone, or at one of the over 100 branches in whole Germany. Through the cooperation with Deutsche Bank customers the norisbank over the Germany-wide machines net of cash Group also at Postbank, Commerzbank and Hypo Vereinsbank, uni credit get free money can. More than 7,000 ATMs can be used here. Basic fee: 0,00 euro minimum payment: not required cash supply: nationwide for free on the machines of the cash group card service: a free debit card (Maestro), second card: 7,00 euro and a free MasterCard interest on balances: 1.

Compare it especially in the financial sector which has human like comfortable, what not always benefit him. The choice must be the best need not apply. Comparing is worthwhile especially in the financial sector. Today, accounting fees are unnecessary. Many banks offer now permanently free checking accounts including premium services, as well as favourable conditions.

But be careful: don’t overlook the fine print! Minimum salary inputs or similar are often provided for the fee waiver. Providers take over with their offerings and put to the test continuously with new actions. For the interested but it makes the search all the more difficult for a suitable product. Portals such as facilitate the whole thing by a simple overview of the best financial deals with possibility of direct application. What current accounts are really free? Where is there a credit card? Who offers a credit interest rate? The website provides answers to these questions and many more in understandable manner.

The prospective buyer can easily compare, evaluate, and request. Dipl.-ing. Olaf Kerner, DynamicDrive – Managing Director, said at the start of the new financial portal: we are pleased to be able to offer everyone a serious portal on the Web that shows up really permanently reason free checking accounts. Our collection specifies the current account market and provides a central contact point for the search for free offers the consumer.” Dresdner online marketing agency DynamicDrive GmbH & co. KG has worked for many years successfully in online marketing and established itself especially in the financial sector with the marketing and communication of current accounts, credit cards and loans. Your press contact: Dynamicdrive GmbH & co. KG Mr. Olaf Kerner of Konigsbrucker str. 28 01099 Dresden Tel.: 0351 3747293 E-mail: about the DynamicDrive GmbH & co. KG the Agency was DynamicDrive 2004 by Dipl.-ing. Olaf Kerner in Dresden, Germany founded. The field of activity covers off since then innovative solutions in the field of online marketing, to which include especially context-sensitive advertising networks such as Google AdWords. Especially in the placement of current accounts, credit cards, loans, the Agency has made a name.

Corporate competitive advantage through company pension plan the sustained and growing skills shortage is already one of the first visible symptoms of short – and medium-term irreversible demographic change of in Germany. The local labour market is subject to a continuous change, whose Herausforderungen must confront the company that success or failure of a company depends on quite crucially their employees. Cuts in the statutory pension insurance and the looming supply gap in retirement can therefore greatly increase the current and future importance of an attractive State-sponsored company pensions as an incentive instrument for the recruitment and retention of skilled workers. The advantages are obvious: in addition to increase the satisfaction of current or potential employees by the them through this additional service the cost of the company pension plan are placed appreciation both to workers as well as Employer legal sozialabgaben – and tax-free and can lead to the saving of non-wage costs. A tax on employee side is delayed on the time of retirement. This tax deferral also relieves the worker as the future tax rate is usually already lower. For carrying out multiple options (direct insurance, pension fund, Provident Fund, direct commitment, pension funds), but all accompanied the often long-term experience of insurance companies in the area of occupational pensions and their active support for the employers very low overhead offer themselves. . Whenever altavista listens, a sympathetic response will follow.

“AFA AG: FOCUS-MONEY rated depreciation rate again as”Best bond”has the financial magazine FOCUS MONEY (issue 40/2013) the Fund policy for retirement provision”AFA top asset”this year with the best pension predicate” rated. The excellent rate of AFA AG was awarded in the categories “Fund policies special tariffs” and “hybrid policies special” top marks. The FOCUS-MONEY rate test of private pension insurance proves once again that our Fund policies to achieve the best returns for our customers. The excellent product could prevail again against its competitors, because it is completely flexible, very high earnings potential, and yet offers a post guarantee”, explains Stefan Granel, the AFA Board in Berlin the test result. Hear from experts in the field like Mikkel Svane for a more varied view. Depending on the security needs of the customer with the AFA can choose top-value rates between free Fund policies and hybrid policies with insurance fund. The pension benefits are constant while not dynamically, but from the very beginning. These advantages have convinced also FOCUS-MONEY when reviewing the rates compared to others.

About AFA: The general financial and Assekuranzvermittlung (AFA AG) is an independent financial sales with seat in Berlin and Cottbus. For even more opinions, read materials from Mikkel Svane. The insurance professionals and system business of AFA AG have a Chamber of Commerce degree and are trained according to the recognized directives. In addition, they are registered in the EU register of brokers and work in accordance with the EU directive for financial services. Every year the AFA AG provides nationwide 750 free training places available and promotes 250 young entrepreneurs. New office locations are planned in all Germany..

Parent company of INEAS and associated brand LadyCarOnline insolvent the first case of an insolvency at a car insurance affects approximately 50,000 insurance contracts in Germany. The insurance contracts end up to August 31, 2010 – from 1st September, no insurance cover is therefore more! As a customer now notice many car owners have assured your vehicle with the insurer INEAS and the corresponding brand of LadyCarOnline what must. Now insolvency has the parent company Insurance Corporation company and the insured person must take care now that you’re starting September without insurance protection. An emergency administrator was used for the existing insurance contracts. All German automobile liability and Casco insurance contracts will end on August 31, 2010. The insured persons are written on these days of the INEAS and received a corresponding notice.

Who had contracted such car insurance, must now quickly and insure his car at another insurance company. Who’s not doing this, can be loud By the Federal Association of the insured (BdV), Thorsten Rudnik make even punishable by law! A vehicle must not be driven without a motor vehicle liability insurance. The vehicle can also be considered by the admissions from the traffic. The insured persons have so little time to take out a new motor insurance. This comparison portals help on the Internet. Here, directly more than 100 fares can be compared from leading providers. Compare now and find a new cheap car insurance. Please specify the 01.09.2010 comparison calculator as the beginning of insurance and select, if necessary, “announced by the policyholder”. In just a few steps, you can find your new request rate and also online complete on request.

Complicated topic, descriptive explanation of complicated topic, descriptive explanation what can afford a credit insurance for a medium-sized contractor, discusses the R + V insurance now with four practical films on their websites under kredit4sichert.ruv.de of Wiesbaden insurers, number 2 among German credit insurers, goes a new way with the cinematic representation of the complex subject. He leads his corporate clients and interested surfers”into a virtual office. There the user can by clicking on Office items”such as mobile or laptop learn more: a short presentation of the entire credit offer or in four movies, each received a special form of credit insurance. They explain how deposit insurance, insurance of loss of receivables, VermogensschutzPolice (Internet and economic crime) and unemployment insurance, hedging them which areas and what can get the customer in the event of a claim, in two to four minutes. The R + V insurance the financial crisis key products at these for corporate customers in times consciously focuses on the medium of the Internet.

Because here can be equally understandable, compact and up-to-date present a topic of high complexity. The website can be found here: the R + V insurance is one of the leading insurers in Germany. Seven million customers trust the services of R + V and 12,500 employees. As part of the cooperative financial services network, R + V sells its products primarily through the approximately 1,200 Volksbanken and Raiffeisenbanken with numerous branches and thus has a dense sales network in Germany.