Consumer Credit Also In Times Of Crisis?

27.12.19 / News / Author: / Comments Off on Consumer Credit Also In Times Of Crisis?
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Hope in hard economic times depression, State bankruptcies and a euro plummet, these are the themes that dominate the headlines of the last few months. Losses in the billions at banks and bad news to the others, complete the picture. Consumers fear to your job and your savings, if anything exists. But the reality is probably a little different from over 70% of the households plaguing an extreme financial gap and this should be closed already in the past, via loans from the Bank. New York Museums will not settle for partial explanations. So far this worked at least more quite as bad. Since the change of lending standards (Basel II) that looks very different. Private consumers have it harder to obtain appropriate credit. All consumers who have no flower-point score value (credit key) are affected. Get all the facts for a more clear viewpoint with David E Shaw.

Often enough you have only access to loans with higher interest rates, which in turn often unduly expensive the credit and makes it so often also not affordable. However, the consumer has also Thanks to the Internet the possibility of alternative offers to Dodge, offering interest rates from 4.9%. Compare but there, because where the demand is high, there is also often a range of providers (too confusing). “Consumers should be based on the experience of the party look, because especially in this market, black sheep have” no durability. Many years presence in the market, always under the same name, is an indication of seriousness. But here too, the conditions must be.

Attorney Cape

11.11.19 / News / Author: / Comments Off on Attorney Cape
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Fund approves sale of MS Cape Norman Munich, the 02.04.2012 the general meeting of shareholders of the DS return fund no. 47 decided selling Fund boat MS Cape Norman at the best possible price MS Cape Norman at the 23.02.2012. Furthermore, what this ultimately means for investors, adheres but covered the company. “With special voltage, the shareholders be watching now the remainder by the company on repayment of allegedly as loans” paid out distributions have been sued. “But also partners, which eased the pressure and the future voluntary” made have, will now ask themselves: what? According to Anja Appelt and Thorsten Krause, partner in the law firm of Cape, the two lawyers attorneys at law in Munich, was the decision to sell MS Cape Norman hit Northern Bank ultimately also to pressure the financing HSH, otherwise announced payment of the loan, the what in all likelihood the insolvency of the company are moved to would have. “Especially unpleasant for investors: a profit” on the sale of the vessel is for every individual investors once again taxed, even if the proceeds from the sale directly to the Bank.

Also at the shareholder meeting the question “was discussed according to Protocol, so ultimately the investors should take the RAP for the failure of the Fund. In particular, since obviously the guarantee for a loan of HSH has taken over North Bank Dr. Peters group and has to step in when the Fund will not be able to repay the loan to the Bank”, lawyer Thorsten Krause this manifests itself. Still, the society insists back to receive the distributions paid by investors. For the investors who were sued by the company so far, is still no good news in sight. “However, it is against the background that the DS return fund no.

47 MS Cape Norman” GmbH & container ship now a proper liquidation should be fed more Attorney for banking and capital market law Anja Appelt are wondering whether these claims actually entitled. The recovery would be given according to the legal regulations according to lawyer Appelt only in the event of an insolvency and this prevented just by the decisions. Lawyers recommend Cape therefore all affected investors, who do not want to settle with the situation of pending total loss of their investment, to let, whether claims about could stand to them against the agents of the system or the recommended bank check. Adds lawyer Thorsten Krause: “often the MS Cape Norman as a secure investment without risks had been sold participation in.

Variable Annuity

03.09.19 / News / Author: / Comments Off on Variable Annuity
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Pension with high returns after great success in the United States and Japan, to conquer the German market the new form of pensions equally. “It is called variable annuities, on German variable annuity”. The finance portal informs what is so special about this insurance trend from America. The variable annuity is first bound to a particular fund, which can be freely selected. Fund binding, certain services can be guaranteed the policyholder. These include such services in the event of death, a guaranteed payout after an agreed deadline, or a minimum pension. At the time of the insurance will be charged a one-time sum in the selected Fund and receives a guarantee on the agreed performance against a certain percentage of the credit. Retirement policies of this kind promise a high return.

However, a lot should be noted when choosing insurance. The provider should have good market and industry knowledge and experience in the securities business. Also advisable the choice of a financially strong insurer, which has in the case of a miscalculation sufficient equity capital, to protect the existence of the policy and to meet the promised services. Industry experts expect a high demand such pension insurance in Germany. But such policies are offered due to the nature of the German insurance law usually mostly by foreign subsidiaries. There are occasional deals already in Europe, but in the coming years the sum of these policies will grow in all likelihood several-fold. More information: life insurance-General… Lisa Neumann University first media GmbH

Asset Plan With Flexible Withdrawal Options

02.08.18 / News / Author: / Comments Off on Asset Plan With Flexible Withdrawal Options
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Akura capital management AG: Akura III and Akura IV safeguard liquidity of the investor of Wurzburg in April 2010: the factor liquidity is for more and more investors of one of the decisive criteria in the investment decision to the experience of the Akura capital management AG. To enable the conversion of their deposits in a bank or cash balance investors in case of need the Akura has integrated a flexible liquidity group in their newly issued An1ageprodukte. The Akura Group informed about the removal and repayment options of their new monetary plans. Small investors know: for long-term success with investments it depends on a reasonable balance of the three basic factors of security, yield and liquidity. But after Akura capital management AG’s experience many of today’s investment products just in terms of liquidity miss the required customer orientation. Akura capital management AG has built a liquidity in the newly issued asset plans of the Akura III and Akura IV.

Capital Management GmbH, It offers customers convenient collection and repayment options. Thus, on the one hand, investors benefit from profitable investment policy, on the other hand, the necessary funds to guests in case of unexpected cash needs for example, repairs or new purchases. The monetary plan of Akura IV capital management GmbH, the possibility of a one-time reimbursement of up to 25 percent of the paid-up capital is intended instead of a monthly withdrawal. This investment model is suitable to experience the Akura capital management AG, especially for investors who need to rely on substantial parts of their deposit, if necessary, in the short term. The payment of up to 25 percent of the amount of the loan may be customer once a current calendar year and basically any dates in the claim. The real value of Akura III capital management GmbH plan already per annum based on the nominal deposit of at least 5,000 payouts by 9 per cent after the third full month of participation.

Performance Enhancements For All Plans Of IT Civil Liability Of KuV24

19.11.16 / News / Author: / Comments Off on Performance Enhancements For All Plans Of IT Civil Liability Of KuV24
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KuV24 can reach with the insurer a capacity expansion of IT liability since 2004 KuV24 offers the special liability insurance for professionals, which secures all IT typical risks and is optimally matched to the specific requirements and needs of the IT industry. Yet three years later, in 2007, KuV24 achieved a reduction of contributions for the IT liability insurance concept with the insurer with steadily growing inventory of satisfied IT professionals. KuV24 streamlines the IT insurance services for KuV24 it is important as an insurance broker optimally for the interests of its customers to engage since time immemorial. Over the years that has led to countless discussions with the insurer and influencing the design of the insurance conditions to optimize prices and scope of services for IT professionals. The main advantage of the new insurance terms and conditions: now the previously paid RPC module for all tariffs of for IT indemnity insurance is automatically no insured. This saves the insured now about 140 or the insurance coverage is extended without additional contribution valuable.

“Resignation of the principal insured with, what the RPC module return of project costs” means insured the risk of personal damage that can easily arise by futile expenses on the justified resignation of the principal. This important building block to demand complete of insurance cover for the IT freelancers is offered only by the Hiscox AG in Germany. As additional module mitversicherbar it cost in the past but an additional contribution from 142.50. The RPC-additional block attacks, for example, if the customer is still not satisfied after delays and repeated rework with the delivered performance and takes this as an opportunity, to withdraw from the contract. Often considerable expenses, leading to a significant reduction in the IT service provider in such a case resulting in a several-month project.

In particular subcontractors have to be paid may, which were commissioned for the project. These the insurer (less the excess) paid up to a performance ceiling of 250,000 futile expenses, because the RPC additional module now is covered in all newly completed IT insurance automatically post neutral. For all IT liability insurance existing in KuV24 is possible of simple, non-bureaucratic updates on the new condition works now without any change as a result of the contribution or the agreed sums insured. More substantial performance improvements by the co-insurance of financial losses in the areas of planning, design, manufacture or delivery of air or space vehicles, including the control and monitoring of the air – or room traffic and demands due to deliveries and services for weapon systems in favour of the new tariffs of Hiscox. The consistently high quality of IT-liability rates of Hiscox, the international specialty insurance company headquartered in London, shows regularly at each regular Update of the insurance settlement of KuV24 and is now once again confirmed by the improvement of tariffs. Also the positive experience, when in fact a claim occurs, talk about KuV24 for the Hiscox has provided the agreed insurance benefits so far always quickly and easily. More information at.

Be Patient 1st Class – PKV Comparison

16.11.16 / News / Author: / Comments Off on Be Patient 1st Class – PKV Comparison
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Basically, there are over 100 new tariffs online compared to in Germany the opportunity to let health insurance statutory or private. For the insurance, many personal factors play a role. Once decision can have on the future financial situation. What health insurance is so right? How do differ each provider, what can you expect, what inclusion criteria and what should you pay attention? I will help you to answer these questions. What advantages does it in private health insurance? The private health insurance offers you a range that goes significantly beyond the minimum level of statutory funds.

Free choice of doctor, full reimbursement of costs and preferential treatment for hospital stays are only some of the advantages of private insurance. Who can be sure? Sick privately assure you can as an independent or freelancer regardless of the amount of your income. As an employee you are allowed in change the private, if your annual gross income of 3 years in a row over the insurance limit of 48.600 euro (equivalent to 4,050 euros in the month, as of 2009). What is the cost of private health insurance? The amount of contributions in the private health insurance depends on of the chosen service package from the reasonable minimum fare for young independent until down to the comprehensive top tariff for demanding. The contribution also depends on age, sex and pre-existing conditions of the insured as well as the desired deductible. The private insurance you can save vigorously, if you are willing to accept a certain amount of your medical expenses themselves each year. How do I find the right car? If you have decided to go to the private health insurance you face a variety of providers with a large number of products and tariffs. You should not rush the decision for a particular product. For your decision, you will find important clues in You will find our Internet offer private health insurance information and comparisons to the car insurance and other financial products on

Insurance Online

14.11.16 / News / Author: / Comments Off on Insurance Online
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The website of excess, where you can assure the deductible for car rental offers immediately an encrypted booking module. The website of excess, where you can assure the deductible for car rental offers immediately an encrypted booking module. After repeatedly stated, that very carefully in the Internet to deal with personal information, a secure are a prerequisite, if you would like to purchase online insurance. That the personal data is encrypted and thus protected to recognize, by watching a lock icon in the browser is. This symbol may appear in the address bar or at the bottom of the display. With this security precaution it is safe to conclude, capable of even at the last minute recommended insurance the cost risk for the rent of cars, campers or motorhomes worldwide could drop to zero.

The deductible insurance, internationally called CDW (collision damage waver), exclusion is by the Mondial Assistance / ELVIA insurance offered. The Mondial Assistance / ELVIA insurance is the insurance of the Alliance. For more than five decades the name ELVIA security and service stands for traveling. Competence and performance guarantees the affiliation to the international Mondial Assistance Group and the integration into the Allianz Group worldwide. The Mondial Assistance / ELVIA insurance reimbursed the contractually owed and loaded retention of the insurance accident and theft during the term of the lease. For 5.00 per day the contractually agreed deductible for damage to Mitfahrzeugen is taken worldwide, up to 3000 except Australia/New Zealand. For Australia/New Zealand, costs the insurance protection of 6.50 per day and covers an agreed retention even up to 5500.

The payment is made online by entering the bank details via direct debit or credit card. After, the insurance documents be sent immediately by E-Mail. Savings Tip: Very often be essential from landlords offered cheaper day rates if a higher deductible shall be agreed. Through such a conclusion, the tenant may be generally more than the costs for the excess saving insurance. Armin Preikschat consultancy services and e-commerce consulting, webdesign Klopstock str.8 80804 Munich Tel. + 49 170 7559 186