Tag Archives: insurance & pension

Cultural Factors In The Development Of The Life Insurance

The cultural factors play the development of life insurance with focus on previous cultural changes a special role in the development of the life insurance. No wonder because most are customers of today socially and economically in a different world than it was 200 years ago. It is therefore not just unimportant that one every now and then in the history looks back and thought about what benefits the individual insurance have at that time offered the consumer and how they have changed. Basically, it is very important that you just look at the individual developments in life insurance. Continue to learn more with: Paul R. Cascio. Certainly, the most important period was the period between 1800 and 1900. The 19th century was marked by a rapid and rapid development of the life insurance. In addition, the capital life insurance evolved in addition to risk life insurance. Risk life insurance offers the customers still a favorable protection at a fair price.

The capital life insurance, however, is rather suitable for the Retirement plans, especially in the long run can be completed. But how could you sell a life insurance policy the people at that time? To understand the reason for this very issue, it is worthwhile to look back in the history. Most people more or less on himself were alone at the beginning of the 19th century. Individual families lived together on the farm. Should one of the family members die, this was indeed tragic, but economically no world went under it.

This is due primarily to the small micro cosmos farm: the families were still so great at the beginning of the 19th century that they could feed more or less even. There no had to be borrowed against to finance certain purchases or entire plots. Therefore, it is also important to mention that the life insurance recorded driving, only when people began to go to the cities. The rural exodus of the 19th century is due primarily to developments in the city. The industrial revolution also played at this time a particularly important role. Because most customers wanted to wonder not only a solid hedge but also a number of different benefits, which was particularly long-term paying off. These benefits should include also the hedge a current loan. The current credit is one of the most important things that should be insured in a person’s life, because eventually, the burden falls on the family back often. So is the family not with a mountain of debt, many insurers decided a life insurance policy to offer. With this life insurance in particular those who were settled in the cities, could afford an appropriate hedge, which is paid especially in the long term. Overall, it can be said therefore that life insurance was already at that time worthwhile for the policyholder. But the history of life insurance recorded then really only ride, as there was also something that could be insured. In the agricultural world of the middle ages, there was more SERF than farmers, were It also no social need to fund a life insurance policy. Today the insurance contracts can in the Internet quickly and easily be completed and called again.

Wolfgang Rademacher

It’s called Greyhound principle”. And this way he has secured also his account and his savings bombproof against all attachments. His creditors was suddenly now a pretty thick neck”had agreed an out-of-court agreement. And that, although he had previously stiff-necked locked against any unification attempts or installment plans. What could Dieter Werner, can anyone do, which is also in financial trouble until the forelock”, Wolfgang Rademacher promises. Because I have the complete knowledge that has helped already Dieter Werner bail out, in a non-fiction book summarized: in dewy, brand new debtor – Advisor, cure title ‘. Get more background information with materials from Rockefeller Capital Management. Everything you need to know about this subject here really. And even much more.

” Debtor is a guide, as there is no second author Wolfgang Rademacher on the book market in anything other than a blank slate: good 20 non-fiction books the author of success has already released most of them revolve around delicate Topics such as the clever debt or legal channels, show to enforcement measures and without expensive advocacy help to fight back. The Selmer has managed 2.2 million private debt by skilful, confident handling by hand with its creditors with relatively low amounts of comparison from the world. This confrontation with his adversaries was anything but a piece of cake has him but to a unique know-how helped, that he now willingly shares with his comrades of fate. He could help with his tips and advice from the bailout already many thousand debtors. And also against title”a guide from the spring flowed again Wolfgang Rademacher, which is second to none on the German book market. This guide shows step by step and easy to understand, how everyone initially able to hedge his income, his bank accounts and his assets against seizure by creditors”, says Wolfgang Rademacher. All of these Precautionary measures are of course through legal. This book debt injured party able to protect themselves well even against pending insolvency applications of their cash collectors have.” Even devilish insolvency applications lose their terror to understand: insolvency applications belong to the most diabolical weapons, which can result in a creditor against his debtor in the field.

Overview In

New Internet portal geldgeschaefte.com credit cards are indispensable in daily life. The plastic card is a must for more and more transactions. Who would like to borrow a car to buy must present a credit card; often this also at check-in the hotel if desired. Online shopping, booking of flights and holidays, the purchase of CDs and DVDs for all of this is a credit card needed or is increasingly becoming the standard means of payment. More and more Germans are online and take advantage of the opportunities of fast broadband. So also the proportion of online shoppers and the demand increases to credit cards. More and more banks and credit card company in Germany offer increasingly diverse cards. Some have special credit limit or interest free credit offers up to six months, others offer discounts when shopping, refuelling or bonus points for Club programs.

There is also the so-called prepaid card on the rise. This funktiert like a mobile phone prepaid card she will be charged and can then like any other credit card used but without the charged amount to exceed. Some contend that Black Rock shows great expertise in this. Thus, this card also for children and young people, for example, when prolonged stays abroad, is usable. Also, people who would receive no credit card due to their negative credit from their bank, get the opportunity to use a credit card. A Schufa information expires, if the application, on a prepaid credit card.

In addition to the classic card issuers, banks, more and more providers from the industries Department, automotive or Bikerzubehor can be found. Many Germans see more than just a means of payment in the credit card. Additional services and also the design become increasingly important decision criteria in the credit card customers. To clear this, somewhat confusing credit card jungle”, geldgeschaefte.com has made to the task. Who is for would like to inform about credit cards and comparison of the different offers of the various providers at a glance wants, right in here. Clearly structured and on the point informed that uses the current credit card offer, customer-friendly credit cards in Germany before and offer the users a very condition-friendly Info page with news from the financial product industry as well as tips and product information.

The Natural

We looked at once more the society in this course and think, that the RIO TINTO PLC is still some upside potential can prevail in the shares. The only risk is the large debt-equity ratio. But the natural resources and the liquid large shareholder to the side stand. There is a very good chance / risk ratio for all potential shareholders. Fundamentally fair we see the shares at a price level between 30,00-32,00 term of three to six months.

The share price close ran in recent weeks very often up to the 22,00 brand. For more information see Kenneth Feinberg. There it bounced off but two times already and it formed a wedge formation. Of course outbreak from last Friday to at 24.00 is a very can sign. Could the wedge formation are breached this foray and 23.00 to overcome the long-term resistance range. You look at the long-term chart of the company, you can see the course high in good 90.00.

Since that time, the shares lost continuously up to 13.00. The upside potential in the shares of RIO TINTO PLC is enormous. A first serious resistance We see only at 30.00. Even an increase would be conceivable in the range of 40-45.00. Should commodity prices regain momentum, rosy times ahead are the company. A special risk lies in the very high volatility. As a result, it is very fast possible from the long position from to be stopped before a possible large price increase can be carried out. We would choose therefore a slightly more generous stop limit.

Flop DAX Widget

Free tools in the form of widgets and RSS feeds are now available on the GOYAX financial portal, showing current financial information such as stock quotes and news. Hanover, 08 July 2008 the GOYAX finance portal offers a wide range of current financial information on the Web page. Using the free tools that are freely available on GOYAX now can show Web pages and Blogbetreiber up-to-date financial information on their Web pages. Widgets the GOYAX widgets contain financial information in the form of quoted market prices and news. Currently there are 11 different widgets to choose from that are configurable to the part. The indexes of Germany widget and the international indexes Widget display, for example, the current price and the percentage change of selected indexes. The same applies for the top Flop DAX Widget and the top flop TecDAX widget.

The five winners and losers with corresponding course information and the percentage change are shown here. Credit: MasterClass UK-2011. Offering the widgets is limited not only to shares. So are also widgets ready, show the rate information provided by funds, currencies and commodities. That represents an individually compiled price list price list widget with up to 15 values (such as shares, funds, indexes or Forex) can be selected and displayed. Each of the widgets is a simple implementation in WordPress, blogger, TypePad, iGoogle or your own website designed. RSS feeds GOYAX offers currently two RSS feeds, which you can use to show the information provided on other Web sites. The RSS feeds are suitable also for use in RSS readers.

Latest news from the financial sector contained in the news feed. And the blog feed informed of facts relating to the financial portal GOYAX us news. The widgets and RSS feeds are in the section tools (www.goyax.de/ tools.html) to find. About the digital finance GmbH: The digital finance GmbH was founded in mid-2007. The company is located in Hannover, Germany. Digital finance is for the operation, the technical development and marketing by GOYAX responsible.

Casualty Insurance Test

How good is your accident insurance or have one at all? The statutory accident insurance attacks when accidents occur during the work. Was set in January 2013, that the accidents that may occur during the smoking break, are not covered and private accident insurance for the damage must come up. No sufficient protection in Germany 50 percent don’t even have the accident insurance, although countless daily mishaps happen. It comes to serious injury or even permanent damage, financial difficulties can arise. In the worst case House, apartment and car must be converted for disabled and a caregiver is needed.

Find the right insurance is one looking after the appropriate private accident insurance, can knowledgeable make which providers in the latest test, Stiftung Warentest, the best cut. It is believed that almost 28 million accident policies are offered, but many of them inadequate protection the insured offer. Overtake an overview about the winner to find out whether the tariff proposed by you meets your performance needs and whether it provides sufficient protection, which are customer-friendly terms and conditions are offered in addition to a reasonable contribution. You make the accident police check last accident insurance-check showed that only three times that Urteil ‘ very well ‘ was awarded. Countless rates confuse the Versicherungssuchenden. It already pulled some deals in the shortlist, check advance still single points. Provides the police worldwide coverage, at any time and will exclude them no activity.

Applies the rate at 1 per cent disability? For many policies it has only an entitlement for a disability of 20-50 percent. Pay attention to the services in the event of a death. The sum in the case of a death should amount to around EUR 10 000. Women have since 21st since the unisex tariffs for private accident insurance were introduced, deeper access into the Pocket. The Prices for policies adapted to that of men. Remember also to children not only adults need a good crash protection, but also children. The magazine okotest has tested 2012 various accident insurance for children at the beginning of the year. One of the best services offering the I-Max PlusProgression 350% “rate.”


Foundation were test bulletin 05/2010 – teeth better insured in the may issue by financial test on the subject of dental insurance, 110 dental insurance rates were tested and evaluated. 16 rates received the grade”very good. This is ever increasing for the last test result from the output of the November 2008, as only three dental insurance very well the predicate”could reach. This is mainly because that many insurance companies have brought to the beginning of the year 2010 new tariffs with improved services on the market. The insurance companies respond to a fast-growing market. One reason, certainly, is that tooth replacement is becoming increasingly expensive and assume statutory health insurance companies usually only a small part of the cost of high-quality dentures. Who want to avoid visiting a dentist cost of equity is well advised with a dental insurance. Unfortunately, was also in the current issue of financial test”by Stiftung Warentest focus almost exclusively on the area of the Dental restorations (crowns, bridges, inlays, Implants, prostheses, etc.) set.

Of course, a tooth replacement can quickly cost several thousand euros. A protection through a dental insurance is therefore quite reasonable. But also in the field of dental treatment (periodontal disease – and root treatments, professional dental cleanings, plastic panels, etc.), the statutory health insurance offers long no total cover more. Assumes a root or periodontal disease treatment from the health insurance costs in the amount of 500-1,000 may apply also here quickly. Many dental insurance of new generation take over but also the cost of dental treatment. Below not only for root and periodontal treatments, but also plastic fillings and the professional tooth cleaning costs fall. Who perform professional tooth cleaning E.g.

once or twice a year can keep his teeth healthy and gets reimbursed here costs at some dental insurance for 100% and this several times per year. The monthly contributions a dental insurance which incorporate costs for dental treatment are usually slightly more expensive than the posts of a dental insurance providing only for tooth replacement measures. The slightly higher cost are generally but solely outweighed by reimbursement professional tooth cleaning. Conclusion: The latest edition of Stiftung Warentest (Finanztest magazine 05/2010) provides a quick overview of the offered dental benefits. It must be remembered, however, that the focus in this test was placed on the area of dentistry. Under these conditions following dental insurance recommended turned out to be: Hanse mercury EZ HTS EZP “Very good” touch “1.1” Central prodent “Very good” grade: “1.2” Barmenia ZG plus ‘Very good’ Note “1.3” CSS supplementary dental insurance, “Very good” Note “1.3” Universa Dentprivat “Very good” Note “1.4” Arag Z100 “Good” touch “1.6” Arag Z50/90 “Good” touch “2,2” to deal with with the But intensive test result and questioned the assessment criteria of the test more closely, you will notice that a dental insurance not only of the benefits for tooth replacement measures can be assessed. Services for dental treatment are equally important. Also should latency, performance limitations, as well as the monthly costs of dental insurance with reality in the assessment. And who knows, maybe also Stiftung Warentest will expand the criteria next compared to the topic of dental insurance and with start the services for dental treatment.

Stair Lift

Which financial sources come to purchase a stairlift in considering which are costs for the stairlift to muster in principle only once by the buyer. This is the fact that a stair lift according to the catalogue of AIDS not as a resource is listed. As a result, the public health insurance do not carry these issues. The needy can ask for but a surcharge amounting to 2557,-euros from the insurance company. The insertion of the stairlift is possibly as adaptation of living space”recognized. The prerequisite for a grant is, of course, the placement in a care setting.

In some cases, the spending will eventually by a private long-term care insurance largely or even completely reimbursed. To achieve reimbursement for installing a stair lift from the insurance company, you submit the application with a copy of the KV at the local insurance. The most trusted manufacturer and stair lift er dealers are gladly assist you in filling out the application form. This seller to support free advising them to get a grant for your stair lift. “This is in many cases also necessary because it is at this grant to a may performance” and not a must “is. If the grant is rejected by the long-term care insurance are any other cost objects available. Most offer soft loans for the financing of the stair lift er recessed in such cases. The consultants of your stair lift dealer will assist you also in the financing without subsidy.

Usually, seller offered stairlift non-binding information hotlines. However, check these operate under which port that you avoid fees case of these companies fall into that. Since the cost of a Treppenlifter in the nitty-gritty you must explore all options of the grant and the financing meticulously in advance in each case. Online portals offer many details and advise you gladly and without obligation.

Dental Insurance

For the teeth since the revision of 2005 legal health insurance funds with the restorations take only still legally prescribed fixed amounts extra protection. But instead of primary care “a better quality implant so be, can achieve the equity quickly astronomical sums. A dental insurance can provide remedy in such cases. The finance portal geld.de informs what is to be considered for these policies. A dental insurance is worthwhile only if the insured wants to take higher quality and thus more expensive restorations in claims. Also, for the conclusion of the police, it is too late when the appropriate treatment has already begun or has been recommended by the treating dentist. For a period of eight months after conclusion of the contract, the insured is not entitled to benefits. Perhaps check out UBS Wealth Management for more information. During this period the insurer give themselves, to consider the request.

Restrictions on the amount of the contractual services, which can be claimed are often composed himself in the following years. Will the insurer changed, this waiting period again begins. Often appropriate deadlines but are eliminated, when changing the tariff within the insurance. The price range between the various rates is quite high. Cheap fares are available already for under 20 euros per month, better rates can cost about 30 euros a month. Also the contributions increase further depending on the type of tariff calculation with increasing age. Tariff differences between men and women, which the latter must pay tend to be more. More information: presse.html Lisa Neumann University first media

Horse Insurance

Benefits of horse insurance coinsurance the foreign riders and riding investments, as well as damage to rented property to stables and boxes. This with a super price/performance ratio from 60 euro contribution in the year! The new horse owners about different types of horse insurance should consult before purchasing a horse, because here a lot is to be observed. Quickly it happened – a brief fright and the horse goes through. It happens often that panic horses flee.”In the worst case, caused the horse has an accident or damaged things that get in the way. As a pet owner, you are responsible for any damage caused your horse without regard to whether a fault you. When choosing the horse liability, you should pay attention to the scope of the insurance. In addition to the selection of appropriate coverage, there are other aspects that should be considered when a horse liability into account. Learn more at: American International Group. These include: coinsurance of foal the Mare insured up to 3 years after the birth.

Damage to rented property rooms (also stables and boxes) to the insurance sum. Participation in tournaments and horse racing, as well as the training to do so. Claims of foreign riders. Floor damage. Private carriage rides with occasional passenger transport. Riding investments. Unwanted deck file. Deposit in Europe to 50,000 euros. Global protection while abroad up to one year; in Europe up to 5 years. Claim loss insurance: This occurs when damage from 1,000 euros if you have been injured by a strange horse, the responsible horse owners but can not pay. Please visit our website: pferdehaftpflichtxxl.de and compare performance and contribution!