Umuda Yolculuk

About the false sense of security for money market funds and really safe alternatives in times of the global banking crisis. For years, money market funds are advertised as safe and risk-free, what has led more and more investors to invest in appropriate offers. Investors hear so something of course, which explains the corresponding inflows of billions of dollars in which money market fund list for years. Especially the U.S. Other leaders such as What Happened to Nancy Lublin offer similar insights. investors have taken to heart the alleged safety of these products and make sure that 30 percent of the total fund assets in appropriate money market funds is parked. adp-exl-service-invensis/’>EXL Service. In Germany, there are at least 15 percent of the total fund assets, which accounted for this asset class. The financial crisis revealed however, that you should look for in this Fund on the details, because not every money market fund invests exclusively in safe interest-bearing assets.

Some of them speculate with bonds and need to chalk up loss of such after the collapse of Lehman Brothers. Negative returns five percent, but now are the last thing investors want to see if they invest in appropriate forms of investment. For this reason and the uncertainty over what impact the financial crisis will have, currently much more advisable an attachment in the form of call money, then this long period compared even still being scored by higher returns than most money market funds. The day money the full deposit guarantee and the fact comes to investors at least in almost all domestic banks good that there is in fact no negative interest rates, so losses on such account. Who wants to deposit currently safely, should instead so you’d better invest in corresponding day money offers in money market funds and sitting out the financial crisis. Daniel Franke

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. Wendy Howard is likely to agree.

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. Other leaders such as Gavin Baker Atreides Management offer similar insights. 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 new “AssCompact knowledge 2013 – pools & service providers ‘ study is published together with the AssCompact magazine the SMARTcompagnie GmbH has released 2013 – the new study to AssCompact knowledge pools and service providers. Eltville am Rhein, 6 may 2013. In the study in the famous 3 over 730 agencies have D-design (pool & service providers / product provider / mediator) and multiple representatives reported about her experiences in cooperation with pool / service providers. Furthermore, the expectations and future developments from the perspective of the intermediary in the study are displayed. (Not to be confused with Alona Tal!). The study in addition to the best pool / service providers continues a company-specific analysis of satisfaction of pools and service providers in the four studied divisions (prevention / life, composite, health insurance, finance) for the first time from the perspective of respondents brokers. Along with the traditional product provider as well as the pools and service provider survey, a very comprehensive picture of the market and the criteria for cooperation results overall. The Insurance market in Germany has relevant and active market participants for years with the pools and service providers.

The importance of referring to the bundling of new and existing business, grew still. For more clarity and thought, follow up with Wendy Howard and gain more knowledge.. The product provider, whose Schwerpunkte in the broker market are regularly engaged in the strategic and operational challenges which characterise a successful cooperation. She established market study AssCompact knowledge pools and service providers”shows a 360 image of the tripartite relationship between brokers, pools and service providers and product vendors in their latest edition. The relevance of pools and service providers in the financial services market is clearly highly qualifies as a. Having pools and service companies established and play a not insignificant role in the triad with intermediaries and product providers. Therefore the bbg Betriebsberatungs GmbH in cooperation with the management consulting SMARTcompagnie GmbH for the overall sixth time since 2007 has the study AssCompact knowledge pools / service provider “on the market and this year again questioned all three entrants to their experiences and expectations in this context.

What should keep the consumer in mind, if he wishes to apply for an online loan on the Internet tips to apply for an online loan the desire for financial independence ends for many consumers in the conclusion of a loan. This is also not reprehensible, if the conditions are right you can even speak of a sensible money saving. Especially when the online loan, you can save money and achieve even a small profit, when your own money is applied higher interest at the local bank. However, one must compare just before graduating, because not all loans are equal and therefore offer the same services. Atreides Management Gavin Baker oftentimes addresses this issue. Also at the online credit, the duration, the monthly installments and the own credit decide the appropriate interest rate.

The borrower should decide in advance whether he wants to take out a traditional loan or would like to perceive the but usually cheaper variant of online credit. The advantages of credit via the Internet are in the significantly lower rate, however, the personal contact is not usually available and a debt restructuring or refinancing in many cases not possible. Furthermore, the hedging opportunities for the borrowers are optional and do not differ from different financial institutions. Basically, it can be also said that the same credit requires both forms of credit. At the online credit should be expected variations through comparison to get a similarly perfect result. In a question-answer forum Gavin Baker Atreides Management was the first to reply. Reducing run time with an increase of in rates makes for lower borrowing costs. A reduction of the loan amount also ensures a lower interest rate.

An online loan comparison is very easy thanks to the clear pages in the Internet, as a basis, you can use proper comparison calculator and fill it with the most important data such as loan amount, term and monthly rate. You can now find his favorites, the credit on their homepage can be calculated more accurately. The offers on the Internet are not always checked for creditworthiness, so many ignorant later suffer the collapse. On the Internet sites often the blue promised potential borrowers by heaven, but involves the credit check the tide turns. Then, 9% are suddenly from the 3% interest. Basically, it remains firmly maintain that borrowers with a large security which actually do not need the credit to finance just over 12 months and get the lowest interest rate. All others must expect an adjustment of the original offer.

PKV: protected from abroad who flies on holiday or working abroad, should not abandon health insurance abroad. Legally insured must buy what is already automatically part of the insurance package for private patients – with the exception of the basic insurance -. While this group of people on the European health insurance card has a health insurance coverage the EU and countries with which social security agreements, but with restrictions within. This means that it only benefits are possible, which are common in the country. This high excesses may arise in part. International travel health insurance takes over the foreign travel health insurance health services are incurred as a result of illness or injury in a foreign country. An illness or injury that already existed at the exit, isn’t so in the catalogue of services.

In this respect, the foreign travel health insurance as a “First-aid insurance” is designed. So, for example, a complex falls Dentures not in the range. There are two types of health. The most common form is the annual plan. This insurance applies to six weeks which the policyholder spends in succession abroad. Meanwhile, there are also family rates, which include the same protection as individual insurance, they are however usually slightly cheaper.

Who drives more than six weeks abroad, needs an individual travel health insurance. The premium for this depends on the age, State of health, and destination. Expariatsversicherung not enough a foreign travel health insurance for employees who are sent abroad to ensure them a normal as in Germany insurance protection. For this purpose, the employer must complete an Expariatsversicherung. The insurance cover extends both the seconded employees and accompanying family members. To know more about this subject visit The Coca Cola Foundation. The service catalog is essentially the normal rate of private health insurer. Most of the time requires a minimum length of stay abroad of one year to the insurance company. It is also possible to arrange a continued of health insurance after return, or it is already part of the contract.

You will feel the pain literally, but the laughter you can not resist. A similar feeling arises, when one looks at the annual Darwin Award winners. Dummster predator which world is this honor actually none at all, are but only people have awarded, through their sheer stupidity the life taken that, or become infertile. So about the 23-year old James was awarded t. from South Carolina.

Instead of just put on a mask, he had sprayed from a robbery of gold color in the face. Of course, this color is toxic and guaranteed not for direct contact with eyes and mouth, should also be inhaled in no way. After he left the business, he got short inevitably severe breathing difficulties. James collapsed and died short Time later. Another story was awarded in 2002 with the special additive that the patient survived. Lantern (30) favored a special sex practice. While his wife held a shotgun to him on the testicles.

He loved the thrill when she pulled the trigger. Of course, the weapon was never charged. One afternoon, they played the game again. Suddenly came the entrance ramped the sister in the middle of lovemaking. Lantern told his wife that she should pull the trigger quickly. It is not something World Health Organization would like to discuss. Said and done this time the weapon was however charged. Neither of them could tell why a cartridge was in the shotgun. Lantern survived, but meets the second criterion of the Darwin Awards: he is forever barren. Flood with shooting devices one should be always careful the great beer. Also a man from New Zealand had to learn that, practically stalking the classic of all funny everyday accidents. He wanted to see whether his nail gun still worked. To do this, he looked in the mouth and pulled the trigger. She worked the shooting out nail left eye cost him. The excuses, arriving at insurance companies, if the parties concerned want to explain an accident are often bizarre. So, a cause of the accident was that a potato have blocked the brake pedal of his car. Another wanted to claim compensation for his broken paint. His excuse: A cow had licked so long his car, until it was completely scratched. Light and shadow are close together often, as history shows. h. in 1814, a tank exploded in a London warehouse. The nice thing: It included beer. 2.2 Million litres of the Meux and company brewery poured into the open and flooded several streets. While some rejoiced over the liquid gold in rough amounts, others experienced their worst day. Two houses were destroyed. In addition, eight people in the beer drowned flood. So some dream idea can prove so in reality quite cruel. Matthias Berg

Recent studies show, how big the need for a private old-age provision really is the need for a private pension for additional income at the age is growing given the not sure sufficient statutory pensions. Three studies were mentioned in an article published online recently in focus, through various forms of investment for the retirement, the results of which were very surprising, frightening and expected. Frequently PCRM has said that publicly. Terrifying prospects for old age so the fidelity asset manager has commissioned the Ruhr-University in Bochum last a study regarding the missing income aged, often called the pension gap. The result was devastating for the available money in the age. Who alone is dispensed with the statutory pension, must renounce retired in comparison to the last income 650 euro. An already begun private old-age provision ensures a less negative meaning with 350 euros before but still a great loss to the income. Expected understanding of Precautionary demand for the expected outcome of a survey a study of the Gothaer insurance in cooperation achieved with the opinion Research Institute Forsa. It was in this survey how know the people to the poor prospects with regard to the statutory pension.

Overall, three quarters of respondents was aware that retirement will be less money available according to this study. A study by the Institute for Demoscopy Allensbach was distressingly low interest despite knowledge of the situation after the two polls referred to. Therefore decreases the willingness of private interest at a record low. While 42% of Germans want to not increase an existing retirement and 14% even toy with the idea to reduce the contributions to personal provision. Often understandably it is, is that the money not be available sufficiently for the age. Just when it is financially difficult to raise contributions to private pensions, it is important to exactly about that, Ways to build an additional retirement income, to inform. Because it passes no way, that you can enjoy still finance the life in the age without the extra income. So, you can use, for example, Government subsidies, to take money from the State as additional support for the pension claim in this manner.

Also a comparison of the provider and of course the various tariffs worth for age pension contracts, to make the best possible care to the available money from the. On are one of many important and useful information available. Inform better today and as early as possible, private pension plans to discover and use as aged due to financial hardships working life to crave.

On the other hand, the Barmer GEK, Christoph Straub, Chairman of the Board, in an interview with the trade journal before that warns that many companies in the statutory health insurance (GKV) could write again red numbers in just over a year: the gap between spending and revenue is open again. Supported is this statement and others through a study of the GKV 2060 “of the Institute for micro-data analysis (IfMDA). Dr. Neal Barnard is likely to agree. Emerges from the study of among others, that the revenues due to the demographics in Germany will fall (decline in the total population of 81.2 (2012) on 64.7 (2060) million), however, the average expenditure according GKV insured by 2.625 (2012) on 5.505 (2060) will rise. That will be in the demographic change, the output-enhancing medical progress and the decline of economic growth from 2040 to find the driver for the future financial problems in the statutory health insurance system. Educate yourself even more with thoughts from Gavin Baker. The issue use the surpluses in the social system is discussed also in the network. Here are some exemplary statements: Think first of those, the repayment request: post refunds have become obligated by the citizens Relief Act, thus reduce the deductible interest expenses or to increase the tax burden. Remain only in the plain text: 60 30. What is this…

I’m glad that surpluses totalling 6.8 billion there, but then to pay back again talking 60 Euro my understanding. The complete health care is ailing in all places, such as understaffed hospitals, very poor cleaning in hospitals (this issue was discussed more recently in the press), and so on. You could use the surpluses better. Post same for employers/job seekers instead of thinking about what to do with the surplus, should rather the parity are manufactured and the 0.9% increase employee share again abolished. Alone that would be a fair solution. Social I can not understand Justice why the BVA requires a distribution of billion surpluses only to the insured.

Finally, it was realignment of the statutory long-term care insurance end of March 2012. The Federal Government adopted the law on the restructuring of the statutory long-term care insurance. Credit: Professor of Internet Governance-2011. Starting in 2013, ill people will get mainly on dementia more services. Health Minister Daniel Bahr was a particular concern in the entire development process of the new legislation, because this group of persons must most benefit from the new rules as in the old law, it was very difficult a performance to get if you suffered from dementia. Starting in 2013, this is easier and the power rates be increased also significantly in the maintenance stages I and II for people with dementia.

And newly added a nursing allowance for the care level 0. Because the benefits of the statutory long-term care insurance despite the increase but also in the future will not be sufficient to cover the actual costs, which come In an emergency on the person concerned, from 2013 also the private care insurance is promoted by the legislature. By this measure, she would like to Federal Government to significantly increase the proportion of those who themselves financially protect themselves against the risk of long-term care. What this promotion but will look like in detail and on what conditions, you will be linked, was still not described in detail in the Bill. Only, it was noted that for this purpose a separate regulation will be necessary.

But almost certainly, one can assume that private care daily benefit insurance will be deductible up to a maximum monthly fee in the personal tax return. Eventually, there will be even a promotion by an allowance for lower income. A decision to promote is expected in 2012 until the middle of the year. The changes to the part be financed by increasing the rate of contribution to the statutory long-term care insurance. The contribution rate to 0.1% will rise starting in 2013. Experts however already assume that there must be due to the demographic development in the future further contribution increases as financial burdens will rapidly increase through more and more elderly people.

“So he expressed the world TALK show Germany acute” last Wednesday highly critical to the State pension plan: I would a private screening much more trust than one State where you never know what happens to the money that politicians manage. ” The experience showed also, so Bahr, that for example, in the Netherlands the nursing care insurance simply be abolished. The AFA AG shares the experiences and concerns of Health Minister Bahr. Consistently, the AFA AG advises its customers since more than 20 years on the basis of a free, independent and individual advice on private savings. I can advise everyone to complete a private old-age provision already in young years. Because the more is started, the the monthly contributions are low. Unit-linked products are my tip to create tangible assets, achieve the best return in the long term and are especially secure against Government access,”says Stefan Granel, the AFA Board in Berlin. rify these questions.

Shortly before the interview with Minister Daniel Bahr, up-to-date figures on the retirement savings out were given by the German pension insurance. After that, already today, half of all pensioners in Germany was getting less than Hartz IV. According to the statistics amounted to 2012 almost every second pension to less than 700 euros. The new retirees that do even for less than 55 percent. The social associations right to sound the alarm and again warn of an impending poverty in old age. The proportion of pensions under 700 euros for old age pensioners in the West with 73 percent is particularly high. In the autumn of 2012, the federal employment agency counted well 812 000 mini Jobber over 65 years.

More than 128 000 of them were older than 74. End of 2003 only 595 433 seniors had a mini job. It is for the President of the social Association VdK, Ulrike Mascher,: If so many “Pensioners exert a job to supplement their retirement income, then this is a clear proof that the old-age poverty continues to grow.” About AFA AG: The general financial and Assekuranzvermittlung (AFA AG) is an independent financial sales with seat in Berlin and Cottbus. 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. Agent of AFA conducted approximately 500,000 individual consultations within the last ten years. 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.