Tag: money

The Tale Of The Insurance Community!

What you should know about capital life and pension insurance. Insurers are not banks, but still make a huge deal with the lending of money. Whether mortgage – loan or private loan insurance companies with the money of the policyholder generously bypass when waving a neat profit. However, the customer of these yields participates because most of it is reserved to the shareholders. See CBS for more details and insights. Differently than banks, if the money that life insurance companies give not foreign capital, but the deposits, so that even paid money of the Beleihers. Because there is no foreign capital that must only be procured, as well to no fictitious capital in the form of shares, but real money paid by the policyholder, insurance companies also bear no risk.

It one the question arises, why charge the insurance companies then bank interest. Imagine the following scenario. Someone goes to his bank, stands a sum of money from his savings account and must pay interest to the Bank. The world would touch on the head. But that’s the problem with an insurance loan.

The Beleiher pays interest on their own money. Of course, the very clever stand up even if such an argument and point to the low interest rates on the bank deposit. What they don’t say, but, is the fact that the interest rate of a life or pension insurance no German better is. The guaranteed interest rate will be constantly revised downwards and the projected interest rate achieved in reality barely black zero!” The customers of life insurance are no investor community as we know it from building societies, every man for himself alone populates its cover pot and should get off actually by the profit of the company. But the whole procedure is back and not the front. Not a policyholder really knows what is happening to his money. No one can understand the cost structure of these companies, but anyone who terminates prematurely, is experiencing a bitter awakening, if none or only a low Buy-back value will be paid out. Who must prematurely terminate its capital life or pension insurance or intention to cancel reason reasons, should each case command on a company that has the appropriate experience with legal notices. The consumer protection project Ciao LV offers you his experience and assistance to. Information-Forum-Board WORLD Consult Net under or by the specialists of our network of Hans-Jurgen Bell

Robert Kiyosakis

When does a network marketing company success? Solely only if its people are successful. Best business education for all, in terms of physical, mental, emotional and spiritual that is lip service, because it is a growth-oriented MLM company in the self-interest. Business friendships that bring people from bottom to top in network marketing like-minded people come together, together striving upwards. There is here no room for the exhausting, dangerous rivalries usual employment or business relationships. The success of networks networks increase exponentially, not only linear work differently. Because they are composed of up – and downlines, increases the profit of its members, as soon as the network grows. Namely exponential, not linear.

Walking through the high school selling art all life is a sale. Because where whenever someone to enforce his will, he has somewhat successfully sold his view, his mind, his vision. Network marketing companies train their members that: in principle, all sell to, what they want. And just who can sell anything, can afford financially everything. The development of leadership skills will need forced company leadership.

Inevitably, one developed this indispensable leadership if it wants to climb upwards in the network marketing. Finally you make it only, when you can successfully guide his downline, motivate and lead. Leslie Moonves has firm opinions on the matter. Is systematically developed its capacity it is among the fundamental virtues of successful network marketing, first to build up a business and then continuously in this business re-invest. So and so, according to Robert Kiyosaki is achieved a wealth and financial independence. Network marketing is ideal for couples and families many pairs in different professions live apart because of this daily separation. Network marketing however, offers ideal opportunities for straight couples, because they can build a common company and thereby closer. The remaining family members in these structures grow in quite harmoniously. Companies and entrepreneurs enjoy tax benefits workers the fur will be deducted from the State relentlessly: by their sour-earned first taxes use off, whether they want to or not. Then they get the rest of barren and need to pay them for all spending. Companies, however, pay taxes until after they have made the expenditure. The more operating expenses so you hit record, they pay less taxes. And in this pleasure, one comes also as a network marketer. Arthur Trankle, Stuttgart Financial expert and owner of the company imPLUSSEIN, the conclusions and recommendations of Robert Kiyosakis consistently translates: I offer in my company at a convenient money teaching, in which the business school’ oriented. Anyone can train here his business skills and learn that clever to invest and build up a fortune.” In Stuttgart, the financial intelligence of people will targeted in this way and professionally supported, Arthur Trankle stressed further, look at his offer as quite unique in Germany. While the entry was easy and always the same: we start with a game of CASHFLOW 101, a board game, developed by Robert Kiyosaki to increase the financial sensitivity and investors know how to teach. This game is entertaining and instructive at the same time. Discovery Communications understood the implications. And guaranteed free of charge and without obligation. Every fortnight on Thursday it will be played in us, and everyone is welcome. A short telephone reservation is enough!” V.i.S.d.P. and your contacts: Arthur Trankle c./o. imPLUSSEIN GmbH Hechinger str. 40 70567 Stuttgart FON: + 49 (711) 90 10 fax: + 49 (711) 90 14 11 E-Mail: Internet:

German Insurance Association

2009 had to be regulated. This play a role among other damages due to theft, vandalism, weather events, collisions with animals, as well as by self-inflicted accidents and accidents with unknown cause (hit and run). Despite a worse rating of cars, policyholders by switching the car insurance can save lots of money until November 30. Usually the savings many times changing the insurance are higher than the coming increases of the vehicles, calculates Bohg. Often up to 50 percent of the annual cost savings with cheap car insurance companies. Through consumer portals such as toptarif.de (www.toptarif.de/ car insurance) or free service hotline 0800-10 30-499 can find out in just a few minutes specifically on the subject of car insurance consumers and free to switch to a cheaper provider. A graphic to the 30 most popular car registrations with the respective changes of class of type of can be requested if necessary. Learn more about this topic with the insights from Time Warner. Background: According to GDV is there in the Insurance 16 type classes (10-25), 25 (10-34) fully comprehensive insurance and in the partial cover insurance 24 (10-33).

Based on the current data of the claims development statistics for all car models in Germany be adapted every year. The new type classes can be applied immediately. In contracts, they obtain effectiveness typically starting in January 2010. Source: German Insurance Association: type classes in the car insurance: only a few reclassifications. Press release from the 19.08.2009. Kraftfahrt-Bundesamt: monthly reports. New registrations of passenger cars by brand and model lines. (Status: August 2009). Hear other arguments on the topic with Walt Disney.

Corporate information / profile: toptarif.de is the publishing group Georg von Holtzbrinck’s independent consumer portal for all common tariffs in Germany. It currently includes the categories of electricity, gas, DSL, investments, and insurance for legal protection, furniture, residential, private liability, car, keepers liability and is constantly being added and updated. As a result, the consumer can with minimal free check whether there are cheaper rates for him, and, where appropriate, immediately change. The complete service of change of is completely free of charge for the consumer and the customer receives the original conditions of the provider, in some cases over toptarif.de in any case even additional, not available from the provider themselves bonuses and discounts.

Business Startups

Retirement planning and securing, a cost factor for the self-employed who dares step into self-employment, which should in time the necessary insurance learn about. The idea to postpone this step may be “later”, to relieve the tight operating cash at the beginning is how in principle any meaningful insurance, a game with fire. In the case of necessity the own existence can be without sufficient insurance protection threatened, just at the beginning of the independence: A prolonged disease or damage in operation mean then financial losses, which are possibly completely to pay from his own pocket. What insurance is recommended, of course greatly depends on the individual risks of the founder, and should be discussed together with a fachkudigen advice. The personal interest of the founder are likely to be in any case, such workers also important: guarding against sickness and accident, and a sufficient retirement are not inconsiderable cost factors in the life of a self-employed dar.

But already in the choice of this basic insurance can do on yourself first difficulty: worth the way in private health insurance, which is often cheaper at a young age, or it remains faithful to the statutory health insurance as voluntarily legally insured. This decision the way back then but no longer is even more important because private health insurance can be changed as Selbtstandiger may now be readily in one, or is possible only in exceptional cases. The question after the hedging in the age is also beudentend: self-employed must not protect themselves about the statutory pension insurance. A voluntary insurance or a request for compulsory insurance in the statutory pension insurance are still possible. Even if aller ortens be praised the virtues of private provisions for old age, this step should be well-planned.

Already acquired rights to the statutory pension are usually retained. Is already based on this relatively simple designs see that the choice of the appropriate insurance for business start-ups and self-employment requires quite a few considerations in the start-up phase. Also the financial burden should not be underestimated: just new companies sometimes tend to neglect such additional costs when calculating the required gross sales. Peter Schill

Business Liability Insurance

The possibility of a freelance work comes just at people which the possibility of a freelance work encounters great interest IT industry just when employees of the IT industry interest. Who want to become self-employed should remember above all important insurance for his young company, so that the operation against major risks is hedged. Thus, in addition to the non-life insurance, especially a business liability insurance is recommended. According to the Internet job board for IT professionals and freelancers, the GULP information services GmbH, it has the trend begun in the IT industry to the freelancing a long time ago and should enjoy unbroken demand also in the year 2009. That resulted in a survey of the GULP personnel agency, conducted online and at the 554 external IT professionals should have participated. While the survey participants, who are already independently, to his own (35%) and better earning potential Chief should (32%) as the reason for the step into independence specified.

But even if the idea of a better income is enticing, with 44% of respondents almost half stated that the acquisition of project contracts is their biggest difficulty of freelance work. IT independence poses further difficulties as only the strenuous Auftragsakquise. Ensuring the company is one of the important topics which are best at an early stage should be looked after, this indicates also the insurance company AXA. She recommends IT service providers, not only on the presence of non-life insurance, to build Electronics insurance and business interruption insurance. While these can enter and secure the time until the resumption of business activity in fire and water damage, or, for example, short circuit, but also the public liability insurance is important for IT companies. Because the contractor is liable for damage which inflict third parties he or his employees, the AXA explains further. Another plus for the public liability can be passive legal protection of entrepreneurs about the insurance receives additional. This works, that are checked in the event of damage claims for compensation and damages from the insurance company and repelled if necessary unauthorized claims to the entrepreneur.