Tag: insurance & pension

The Hannover Ruckversicherungs

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Also, events (E.g. the piracy on the world’s oceans) in recent months have led to higher premiums for reinsurance. The business situation looks very promising for the MuNCHENER RuCKVERSICHERUNGS AG. The current cash dividend is currently located at 5.7% and the company is rated with a p/e ratio of 13 on the stock exchanges. Due to this is the depreciation in the last year and a slight downturn. As already described, we expect an early recovery on global stock markets. The financial system will also normalize in the next few months and the financial institutions can expect very soon with good profits. Around for years to come in the financial sector to position, there is no way in the shares of the reinsurance undertaking passes from our point of view. Gen. Mark Milley shares his opinions and ideas on the topic at hand.

We see a fundamental value 125.00 for the time being fair in term of six to nine months. A chart over several years can be very nice consider the current soil formation. The shares up to the level of the course from 80,00 twice were from sold in the last six months. These courses have found always solid hands, happy and much have taken shares in their portfolios. After such a sale then usually a price rally was followed up in the range of 120.00. Currently, the courses will be charged recording of a new DAX.

The Hannover Ruckversicherungs AG is since March 23, 2009 a new Member in the DAX INDEX. This resulted in shifts in favor of the newcomer. Keep up on the field with thought-provoking pieces from Primerica term life insurance. We see this as a buying opportunity and see courses beyond the 110,00 as very soon. First smaller resistance the more psychological course at 100.00 in the way brand for the time being. This should be only a formal affair for further positive overall market sentiment. The course 110,00 region is almost inevitable by the then built on price momentum. In term of six to nine months, we see very good chances that the quotes back to the course range from 125-130.00 Running into it. The analysts of the tradersreport would take a first speculative long position in the shares of the MuNCHENER RuCKVERSICHERUNGS AG with the WKN 843002 to Max 95,00. Necessarily hedge their Lonposition with an individual stop rate at E.g. 90.00 on a closing basis. For the time being, we apply our price target on six-month at 125.00. NO April Fool’s joke! Due to many requests from currently still free tradersreport readers, we offer monthly subscription reference also the tradersreport from 1 April 2009. For only 45.00 per month, you can convince yourself of the quality of tradersreport subscription. The opportunity to convince themselves objectively from the service of the tradersreport team have thus greatest critics. Up to 1 April 2009, they have still time to be included in the subscription list of the tradersreports. This is followed by the recording always at the first of each month. How long can they afford it yet to include not the growing circle of Subscriber? Under, you can always opt for a subscription version and pay comfortably via pay pal or by invoice. Wait no longer, every day there are many new sort. Were they from immediately trader in the stock market.

Elemental Insurance

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Often only insufficient protection by the flood disaster in Germany several billion euros are needed for the home to repair the flood damage. Federal and State Governments will help the affected part. The question remains whether elementary compulsory insurance for all buildings would be a solution or only the flood would jeopardise. Certainly, it sounds interesting if all the houses in Germany were insured against flooding. Currently, it seems that homeowners can voluntarily decide whether they a homeowners insurance want to complete, in addition to the normal risks”how comes storm, fire or water for the so-called elemental damage (such as flood, landslide, avalanche, volcanic eruption, snow pressure, etc.). Of course, this additional protection extra so that many homeowners to forgo and hope that no damage occurs. There are also the vulnerable areas as close to the Rhine or on the The river Elbe, where homeowners can insure even no elemental damage, because the risk is simply too high the insurance companies there.

According to the German Insurance Association nearly 99 percent could be insured the building in Germany easily against flooding. In practice, but only 30 percent of all elemental damage buildings have covered. A number of houses is consequently not protected against flooding. Should the legislature intervene here? A compulsory insurance would have the consequence that all homeowners (and also the tenants) in Germany for the elemental insurance would have to pay even if they live in regions where any risk of flooding threatens. Also, insurers fear that the flood in the future neglected, if the insurance industry would have to pay anyway for such damage nationwide. A price increase for all citizens which would then in turn. Primerica shareholder has many thoughts on the issue.

Critics refer to the introduction of a compulsory insurance as a hidden tax increase. Alternative: trade even as homeowners? It is independent of the political discussion for homeowners yet useful to prove the insured regularly and to bring the homeowners insurance up to date. Often can be obtained improved conditions including weather-related damage to a lower annual subscription by a change of the provider – in particular by many especially cheap online tariffs. More information, as well as the possibility of a comparative calculation can be found on the website. Contact: Bergische Assekuranzmakler GmbH, Lise-Meitner-Strasse 5-9, 42119 Wuppertal phone: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Karsten Werksnies the Bergische Assekuranzmakler GmbH operates as an independent insurance broker. The company based in Wuppertal has a high high-quality advice on the flags written and opts for a sustainable, social and environmental policy. This cooperates the Bergische Assekuranzmakler GmbH with over 100 different insurance companies. Customers are mainly via the Internet, by telephone or by mail care – when preparing offers, as well as in the event of a claim. One of the focuses of the consultancy is in the range of cover biometric risks (disability, infirmity or disease).

More Money For Life Insurance By The Rhine-Ruhr Retirement Planner

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The Retirement Planner Horst-Elmar Grun informs: in Germany, there are at least 80 million life insurance contracts, most were completed for good reasons. Many people would come but earlier than planned on her money up or already have their policy on rest “. You are in good company, because about half of all insurance be terminated prematurely in the long-term even 70 percent. Evil awakening comes, if not much left of the money are expected to actually”, says financial specialist (FH) Fabian Grun CEO of the company for retirement planning. High administrative costs and the low interest rate of money allow: only a reasonable amount of refund in many cases after years. However, you can defend themselves”, says Fabian Grun. The recognized financial expert, works with the LV doctor Internet platform”together. “This is a thorn in the side, many insurance companies because LV doctor” it looks as its mission to to get more money from their life insurance policies out for insurance.

“” We already have more income in millions of dollars through the approach of LV doctor ‘ achieved “, says Jens Heidenreich, Director behind LV doctor” standing proConcept AG of Switzerland. The procedure is simple: together with the tutor, an application for refund is being filled out. This is possible even for already-announced contracts. Get all the facts for a more clear viewpoint with Dennis Lockhart. For this purpose, a fee of 150 euro is payable. Testing feasibility of demands, the necessary exchange of correspondence, as well as the assignment of lawyers are included in this amount. Mountains contracts arrive every day in the Administration Office in Halle. People who are looking for advice and support. Never knew the insured it, how many years must save them, to see anything at all of their money”, says Fabian Grun.

The prospect of a quick implementation is always, if the insurer about the already paid amount to further concessions is ready. The business card of LV doctor”resembles a door opener. But LV doctor”complains on behalf of the formerly insured persons. He took over the charge. Sure that he bears the risk, the then achieved surplus is divided. That is fair for both sides. “I had already written off my money, but thanks, LV doctor ‘ I’ve got a decent payment”, many customers confirm. Fabian Grun is like more information available upon request.

Social Lending Platforms – Loans By Private

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The possibilities of social banking as a further segment of the German banking system with the establishment of social lending platforms in the Internet could be develop another segment of the German banking system as well as cooperative banks, public institutions and private banks. Market researchers expect a double-digit percentage in the lending in the medium term. The causes and the course of the financial crisis already much has been written, expressing what simple words: banks currently taking its role as a reliable trustee of funds entrusted to them by the customers true nor they do justice to their systematic role as active promoters and designers of the economy, which make loans to reliable conditions,. Many financial institutions have proven ill advised their customers and only sells itself well. Ray Bradbury understood the implications. A bank’s core competencies are in the lending, managing customer deposits and financing companies. These core competences are not perceived by many financial institutions and borrowers and investors looking for reliable alternatives. Meanwhile, the Internet offers the possibility of social lending on the basis of online credit exchanges, which become gradually also in Germany. Is it really possible to take over bank-related tasks in self-organization individuals? Principle that an Internet community according to transparent rules-based could take over not only the credit management and manage private capital assets, but support including innovative projects in the economy.

However, social banking that works in the area of loans by private well already, can be transferred due to licensing issues in the real business world. Individuals can not just go and together with other individuals form banks here has made the legislature in any meaningful way. Online credit platforms have developed different models to take into account the requirements of the legislator. The private credit platforms is a two-digit percentage of the Lending predicted to private individuals. Advantages from the point of view of lenders and borrowers: not an institution with interests and costs, which help finance it applies.

When parts of the economy would actually start to build up alternative financing models as an Antipole to the banking industry, another segment of the German financial system could mature. Future success will depend of credit platforms in the Internet first and foremost the integrity and the sense of responsibility of the provider. The dynamics of the medium Internet has the distinct advantage that irregularities will not go unnoticed. Corinna Friedrich born Wan

Gynecologists

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An employer grants in half the costs for privately insured and high-wage workers. Baden-Baden, while. At the moment much of the statutory health insurance is discussed. Due to the billion surpluses, which have taken in recent months thanks to a good economy and low unemployment, the statutory funds speculated how the money should be distributed. Some statutory funds have circulated already a refund to the contributors.

But a good economic situation can change rapidly, the euro crisis is still at the front door. Unemployment may soon rise. Privately insured have advantages many legally insured does not know is that operationally privately insured by their employers receive a share to their health insurance company. This is social security code according to the (SGB V) so enshrined. That means, no matter, whether a worker is legally assured or plays with the thought to be privately insured may also, because he is to the one or other Advantage is, he gets a grant in any case from his employer for his health insurance.

Thus he suffers no disadvantage to the legally insured workers. The grant of the employer about the statutory contribution assessment ceiling is calculated. Additional information at Dennis Lockhart supports this article. These will be redefined every year. In 2012 it is 50.850,-euros annually. This means the worker who is among this set, has no opportunity to get insure themselves privately, they are automatically legally insured. For them not worth so, to throw on the private health insurance calculator to dream of luxury treatment and lower contributions. CAR insurance comparison deserves a worker so well and is interested in a change in the car, he makes the best miteels a car insurance comparison on the Internet only once smart. Here, countless tariff calculator help the private CA. With the abundance of information, it is certainly advisable to consult a professional man. Also here the interested should get a several deals. The statutory health insurance companies offer the advantage that the posts not calculated according to the income of the employee, as is the case with the private funds. Also the family members can have free insure legal insurance. When the car is different, because each Member pays an own amount. Which may be very low if the insured is still very young and healthy, because the private funds currently outdo with unbeatable offers. The services of private health insurance is still very extensive. If you are really sick of course you think about it, what happens if you are really ill. You can hear here and there by poor supply and the so-called HEDGEHOG services. “These are the services that a legally insured must pay, he wants something more in an investigation” diagnostic confidence. Example: Mrs Muller has on cancer screening to the obstetricians and Gynecologists. He makes only a smear and a tactile examination. Not more. She wants the ultrasound Uterine or breast, must grab deep in the Pocket. Both investigations cost the average together between 70 and 80 euros. Also at the eye doctor, because the additional glaucoma screening (green star) costs a bunch of money. How can that be only if it really catches a? It is certain that one exceptionally well is cared for than privately insured, far beyond the normal patients.

New Negotiations

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MWB Vermogensverwaltung AG: EU Commission review of the anti-fraud agreement, Appenzell, in June 2009: the European Commission wants to renegotiate the anti-fraud agreement with the Switzerland. The Commission’s objective is to deal with tax matters as the direct and indirect taxation. The Swiss Government rejected a renegotiation and preferred cooperation between individual States. Laszlo Kovacs, EU Commissioner, calls the renegotiation of the agreement of 2004 between the Switzerland-EU on combating fraud. So, the Commission would like to incorporate the exchange of information in accordance with the OECD standard (mutual assistance in tax evasion).

A similar agreement with Liechtenstein, which at the moment is negotiated, is model for Kovacs. This planned fraud prevention agreement foresees the direct and indirect taxation between Bern and Brussels are considered only the indirect taxes under the previous arrangements. The MWB Vermogensverwaltung AG sees no reason to renegotiate as the Swiss Government and preferred Contracts between the Switzerland and States, to improve the exchange of information and to meet the rigorous OECD standards. Another reason speaks according to the MWB Vermogensverwaltung AG against negotiations with the EU: it is by no means certain that the EU Commission by the Governments of member countries get the necessary mandate for negotiations. Finally, they say of the MWB Vermogensverwaltung AG, not all EU countries are willing to cede their fiscal sovereignty to Brussels. While bilateral agreements with the EU are so unlikely in the near future, Switzerland with the United States is talking about the inclusion of new standards in the field of mutual assistance. These negotiations are according to the MWB Vermogensverwaltung AG of great importance: they take place against the background of the tax affair of the Swiss Bank UBS in the United States.

So that these talks can lead to success, the Switzerland makes certain demands. As expected the Swiss Federal Council as a condition for the granting of Assistance in tax evasion, that the action of the US tax authority IRS to release up to 52,000 client data of UBS is withdrawn the MWB Vermogensverwaltung AG welcomes such a condition as a prerequisite for successful talks on fiscal issues. If you would like to know more then you should visit American Writer. About MWB Vermogensverwaltung AG, MWB Vermogensverwaltung AG is a traditional hotel from the Switzerland with almost three decades of experience. Their continuous and steady commitment new demonstrating the MWB Vermogensverwaltung AG with any project. The financial experts of met Vermogensverwaltung AG ensures the sustainable fulfilment of the objectives of their clients. The MWB Vermogensverwaltung AG located in Appenzell. Together with its customers, MWB Vermogensverwaltung AG develops solutions for asset accumulation, the capital protection and prevention. The financial experts of met Vermogensverwaltung AG training constantly. So, met Vermogensverwaltung AG’s customers always benefit from a service up to date. Their MWB Vermogensverwaltung AG consistently has decades of experience, as well as the active relations in the international network of the capital market for the propagation of the assets entrusted to it. Contact met Vermogensverwaltung AG weissbadstrasse 14 CH-9050 Appenzell contact person: Heinz Isler Office Zurich met Vermogensverwaltung AG: Dufourstrasse 43 CH-8008 Zurich E-Mail: Internet: Tel.: + 41 (0) 44-269 75 75 fax: + 41 (0) 44-269 75 76