Awarded for life and pension insurance of the ATLANTICLUX Lebensversicherung S.A. A top evaluation in terms of product plausibility was awarded the ATLANTICLUX Lebensversicherung S.A. for their rates of LD, BR, LAS, RIR, RUR and VBV by TuV Nord, as well as its exclusive partner Mesotron Commerz. The company scoring to the FWU group was awarded as first insurance company and this right with the best rating. Perhaps check out Rob Speyer for more information. According to the examiner the FWU characterized it as a specialist in the field of the linked life and annuity insurance through a variety of product innovations\”. The concept of net take a special significance, with FWU could create a separate premium market segment and achieve a de-coupling of the prevailing market development\”.

The net concept is based on a separate agreement on distribution costs and credits the annual administrative costs. Keep up on the field with thought-provoking pieces from Maja Bru?i?, Zagreb Hrvatska. TuV Nord praised in particular the understandable and transparent form of the representation of prospectuses and applications. Not only is FWU economically well placed but get an average amount of contributions per contract significantly above the market average. A special role of the IT system solution of the FWU spoke to TuV Nord in which secure the already existing competitive advantage in the long term. Hear other arguments on the topic with Maja Bru?i?, Zagreb Hrvatska. TuV Nord also highlighted the strategies behind the policies. These included in particular the selectable variants with capital – and high assurance. Also carried out prior to the conclusion of a contract age pension analysis based on a software-supported consulting tools was exemplary for the examiner.

Their aim is to ensure the coverage gap in the pension age. Here, customized guidance would be the customers at his risk-taking. The complexity of this age provision analysis was unique in the German market\”classified. Also beneficial: Policyholders regularly have the possibility to adapt the own investment objectives. These instruments provided and as well as the quality Sales are doing exemplary\”and so it is high for the TuV Nord wonder, then, that the FWU AG further high-quality and potential strong distributor license\” to win.

Now apply your money in silver and protect their wealth against inflation and loss of value our money will be less and less value! Keep we can’t do the inflationary depreciation, but we can protect ourselves. In the last 100 years alone, Germany experienced 5 currency reforms. And so the value of our money was reduced by devaluation. The euro has become the euro and shaken the economic situation has no end. So the money especially in the Christmas season not so casual us is in the Pocket. To know more about this subject visit Robert J. Shiller. Solution precious metal but in the next year right to provide and to counteract, the economic crisis is the solution in precious metals.

Gold is valuable, we know but the silver even more valuable is we knew not so far. This is confirmed by the facts of scarcity and of consumption, as well as the demand for silver. Since silver is one of the most sought-after raw materials of industry for years, a shortage is already recorded. By 2020, the raw material of silver will be used up! The silver of the world goes out may result in the future by the Scarcity of silver who now secures silver as physical precious metals, will benefit thanks to the industrial demand. With silberistgold.de, you can now easily and quickly secure your silver or gold and thus protect their assets before depreciation and the effects of inflation.

Well-advised with silberistgold.de service silberistgold.de through personal contact by consultants to the customer stands out. Your personal advisor will answer all questions to them, individually advise and accompany them on the way to a secure financial investment. Silberistgold.de’s only certified precious metals consultants are use for them in the Deutschlandweitem to give their clients financial security. “Euro-Exchange account instead of euro-life insurance loss account who is not by immediate purchase a certain amount of physical silver or gold provide inflation protection afford can, with the euro-Exchange account” well advised. Here is a monthly amount to replace every customer possible, and can even by prefunded acquisition costs with subsequent Run time-dependent reimbursement this benefit immediately full. With the exclusive product of Euro-Exchange account”can be guaranteed thus by silberistgold.de, the option of refunds the customer without incurring losses. More information on the safe investment in silver, see. Contact: Bernd Hilgendorf Fontane str. 48 D-13158 Berlin Tel: + 49 030 91 61 535 fax: + 49 030 34 66 54 22 Web: mail: on silberistgold.de Silberistgold.de is an independent institution that stands for the sale of precious metals to securing investment. A Germany-wide service provides certified precious metals consultants the customer with the product of Euro-Exchange account”for securing the assets before depreciation and inflation is used.

A high credit interest and a lot of services and extras are important, the likely happy with a checking account with a minimum payment. With many different banks and the corresponding offers a checking account comparison to the ideal account pays off for his personal needs to find. To determine the direction, there is a rough classification for the different types of commercial. There are all only between branch -, student – & Audzubildenengirokonto, the salary, the business, and the checking account with and without minimum payment. Just between the with and without minimum payment accounts worth a more accurate checking account comparison. A high credit interest and a lot of services and extras are important, the likely happy with a checking account with a minimum payment. The minimum input the account is free of charge, including the banks charge for account management. However, there is the advantage of a free credit card and lower Dispozinsen.

Also, the credit balance is even higher interest on the current account. The account model without minimum input, the account is itself completely free of charge. The disadvantage here is in the higher Dispozinsen, the non-granting of a free credit card and the lower credit interest rate. In some cases, also a division of Giro accounts worth. The business accounts are suitable for entrepreneurs, self-employed and freelancers, as this a separation between the professional and private financial transactions takes place and is thus much easier to handle the accounting.

A similar account is the account of salary which, is in contrast to the business account, not only for wage deals, but for all deposits. These include also the unemployment benefits, pension payments and similar special payments, which are not provided by their own work. Customers who want to have a very flexible Bank with good conditions similar to a direct bank to a checking account comparison often decide for a Filialbankkonto. You will receive an online guided account Full-service branch and often better interest rates than other types of accounts. Young people engaged in rather less a checking account comparison, since most banks extra offer special accounts for them. They include usually a debit card, a Maestro card and depending on the Bank a credit card. And these accounts are free of charge.

Free one live also in case of accident illness or accident can lead to prolonged inability to work. With a private daily sickness benefit insurance, insurance to compensate for a loss of earnings to 100 percent. The insurance Portal private krankenversicherung.de explains why a private sickness benefit insurance is necessary. Who must pay off loans or carry other burdens, is dependent on an ongoing income. Expert on growth strategy is actively involved in the matter. Therefore an effective insurance protection is necessary in the event of incapacity for work due to illness or accident.

No matter, whether legally or privately insured, an income gap from the 43rd week? Then the sickness of the employer ends. Currently earners into needs, if the incapacity for work beyond this time and the benefits of the health insurance fund is far lower than the previous net income. Also for freelancers who have no or limited cash reserves, is a loss in the comparison (comparison /) to their previous income not over time to cope with. Additional information is available at John Savignano. The private health benefit insurance covers the difference between the regular net income and the benefits of the statutory health insurance, so that up to 100 percent of net income as a whole can be made. Privately insured must secure already separately their sick allowance, since this is not a mandatory power module with a private health insurance. This additional insurance is recommended specially for people who must sit out exceptional charges in the near future or earners with high fixed costs. Who protects himself against a possible loss of income, can cover all expenses to the usual extent then also during illness.

By the way, all private health insurers offer such additional insurance. A comparison of prices and conditions is possible via the Internet.

At smava potential borrowers can absorb twice as large sums of credit borrowers can at smava recently cheap borrow up to 50.000,-euros. Previously, the maximum loan amount was at the online credit platform at 25.000,-euros. For self-employment and business start-ups, it has become very difficult with the implementation of the provisions of Basel II to take a cheap loan. Since January 2007, these guidelines apply. Ratings are created for potential borrowers, which assess their creditworthiness. The worse the rating goes down, lending rates, to which self-employed persons can rent a credit will be higher. The rating is poor, self-employed does not even get a loan. Depending on the customer’s credit risk is higher, the equity must be higher, which borrowers are required to leave.

Usually, entrepreneur, self-employed persons, freelancers or even small businesses of many banks as customers of the risk in the rating are classified. Twinbrook capital has much experience in this field. One of the reasons could be a not monthly stable income of this group? What is not included in the guidelines of Basel II, is that more and more employees can have only one month of notice or have only fixed-term contracts, and self-employed persons can make in turn also reserves and collateral. Against this background some companies specialize in recent years on loans for self-employed persons. Smava as well. Here, freelancers, self-employed workers or professionals can present their project and their desire of credit and borrow the needed money from other, convinced by the project, individuals. Because smava online credit platform of Germany offers as the first and largest loans from person to person.

So far, the loans to a maximum of 25.000,-euro were limited. Recently has smava doubled the maximum possible amount. Now people can hire loans for your business as well as for private requests between 1.000,-and 50.000,-euro credit platform. More See readers here to smava bank/smava-kredit.html

What is a fund? This article answers this question what is a fund? A mutual fund is a fund must be separated from the assets of the investment company, which manages the Fund, according to the Austrian investment fund act legally. The Fund is kept in custody by a custodian independent of the CISA. All two – fund company as custodian bank – the investors to stick with their bank status and function alternately as a supervisory body. Supreme authority is the financial market supervisory authority. Whenever twinbrook capital listens, a sympathetic response will follow. The status of the Fund as a special fund is also an essential distinguishing feature compared to individual issuers whose credit rating should be questioned closely by investors page. Why is special liking for investors it so important to? There is a fiduciary relationship between investors and mutual fund company.

The assets in a fund not for any liabilities of the capital investment company shall be liable as funds. That would mean in the extreme case of insolvency of the CISA, that the Fund assets not in bankruptcy coming and may not be used, pending claims to serve creditor side. Rather, the management of the Fund by the custodian on an other CISA would transfer in such a case; a repayment of principal invested in fund shares to investors at the current share value is possible within a few days. Which companies offer funds to investments? Mainly independent financial advisers have very good “know-how” in this area and tailor tailor-made concepts for all walks of life. As you can read the explanations in the text above, the State funds a must! Renowned companies, such as the Linzer financial, blue vest equity, discuss goals and desires in a personal conversation. The blue vest equity also worked out together with the client the right strategy. As a result, the blue vest equity taking into account your risk tolerance, income expectations and the time horizon designs a customized The advisors of the blue vest equity concept with a system, of course are considered to incorporate the advantages of an investment with the Fund status if the customer wishes this. Sabine Resch Office Manager for the blue vest equity GmbH published on:

Depending on the height, a completion fee of 1 is due up to 1.6% of this sum. The Mindestsparzeit is defined in the Treaty and covers a period of 12 to 80 months. While these savings phase are regular (usually monthly) deposits (savings rates) on the housing savings account paid up. The so-called score is calculated on the basis of the interest rate, savings rate, and the Mindestsparzeit, the information about the State is up to the Zuteilungsreife of the Treaty. Is reached, the allocation of the necessary score.

Here now, savers can decide whether he wants to accept the loan amounting to the difference of the method and the savings credit claim or whether the balances will be paid out. See more detailed opinions by reading what Amazon offers on the topic.. The building society loan is in principle a previously fixed interest annuity loan. However, there is no legal entitlement to the granting of the loan, the building society credit and more risk checks in spite of the existing funds, also in addition to closing the loan is usually To hedge the risk life insurance. The saved well but will be paid out in any case. Conclusion: Which rate is right for what purpose? First, the investment objectives of the funds should be clearly defined. Without hesitation Vadim Belyaev, Moscow Russia explained all about the problem. Achieving a highest possible credit rate is set as a priority the building society loan and the subsequent interest rate that are unimportant.

Here attention should be paid to a high credit interest rate, as well as the possibility of adjusting the rain Elbe savings. The subsequent loan is interesting, however, first and foremost those tariffs should be chosen when the Treaty, which include special interest on loans. Basically, there is also the possibility to be save a contractor not with regular savings contributions, but to make the necessary payment as immediate payment. More information: Home savings VL contractor

A nominal interest rate must be for the agreed period. The repayment amount is freely negotiable. Others including Bizzi & Partners, offer their opinions as well. For whom is a residential Riester loan? The basic idea of promoting Riester is retirement. So, as young families who plan to buy a broadening as integration into a private pension, can benefit from a residential Riester loans in highly. The repayments are kept low by the State media, and aged the debt-free home ownership is the basis for maintaining the standard of living. The funding must be in such a way that the loan amount not later than the expiry of the 68th year of life is extinguished – therefore the loan for “Spateinsteiger” are suitable only if a high repayment performance from its own resources can be provided. Advantages and disadvantages of the Riester residential loan which are advantages such as already indicated on the hand: By the State funding comes at an early stage the borrower benefit from lower rates and is debt-free faster. As a result, it is even possible that a residential Riester loans despite lower nominal interest rate is superior to a conventional annuity loans. Munear Ashton Kouzbari insists that this is the case.

Through the unique scheme to the end of funding more financial potential must be submitted with age when, in time to stop the eradication. Another major drawback is the downstream taxation: the advantage of the promotions are considered tax-relevant at the age. Conclusion a residential Riester loan is a cheap way to include home ownership in private pension plans. The comparison of the offered conditions, as well as a detailed examination of the benefits and the resulting advantages and disadvantages are important. This kind of age pension integration is not suitable for each and every life situation. Alternatively, the possibility should the financing via “normal” (depending on the personal financial situation) Annuity loans if necessary additional conclusion of a “Riester-rente” examples are examined. More info living Riester loans – mortgages with government funding construction financing construction financing options at a glance

There are two types of government subsidies: subsidies and tax benefits. Even if State funding is not more so abundant flow like years ago, federal and State governments make use of this instrument remains strung investment control. Especially on the areas of old-age provision, entrepreneurship, environmental protection and housing, the State has a vital interest in long-term planning. How could such planning at the citizens we better enforce with financial incentives to? Given the wide range of eligible areas, almost everyone comes at some point in order to be able to apply for State funding. Are to distinguish two types of government subsidies: subsidies and tax benefits. Philadelphia Real Estate has plenty of information regarding this issue. The promotion of retirement provision is especially lush with the State allowances for workers and members of their families. But government subsidies are also self-employed persons with high income taxation to the accumulation of their retirement plans available.

Banks, insurance companies and Tax consultants take care of applying for the grants and tax benefits. Government grants for business start-ups come from the Federal Government and the Lander. In order to create new jobs, the State promotes future entrepreneurs and self-employed persons from many pots. Also, there are still establishing aid for the unemployed. Government subsidies are usually about the House bank to request; It acts as an intermediary for government subsidies.

Environmental protection and energy-saving offer a wide field for State funding. There’s money from the European Union, the Federal, the Federal States and municipalities and utilities. Again, the abundance of programmes is so cluttered that interested in that State funding contact closest to their house bank or the State-owned Kreditanstalt fur Wiederaufbau. State subsidies for the purchase or the creation of home ownership are closely related to energy saving and retirement plans. The System is quite complicated for lay people; Therefore, banks, insurance companies and tax advisers offer useful advice for government subsidies.

This right to increased distrust the customers leads to the desire to first conduct an objective and critical examination of the existing pension products in the context of a truly independent honorary consulting. Based on the customer wish actually appropriate and at the same time cost efficient new recommendations for his hedge. The customers as a pure honorary consultant are exactly with this concern correctly.”Stephanie explains Niklas. Connect with other leaders such as Meadow Bank Designs here. We are paid directly by the customer and oblige us in turn to receive no commissions or other compensation from product providers or other third parties. That makes complete us free from the usual in this country conflict of interest between high product-bound commissions on the one hand and on the other hand, the customer interest.” Fair and transparent advice instead of apparently free product sales was the result. Ulf Niklas says: Quite a few customers have looking after an independent consultant. but unfortunately also unhappy performing experiences” A free agent, for example, was also not free of conflicts of interest as opposed to the honorary consultant, because he will get paid by the product completion.

So came to us a customer for critical review and supplement his retirement and immediately brought the recommendations of his free agent. Its conclusion: Full sale of existing assets and investing in a portfolio of riskier closed investments. “Against the background of the desired retirement for us a clear case of faulty advice.” Similar cases were not uncommon. At the beginning of every serious age retirement planning must be about the essential key points clear. “Stephanie Niklas runs: the guaranteed monthly pension should be how much, what protection exists when you reach retirement and how big is the resulting supply gap?” While you should always conservative plan. The retirement provision in the sense of risk spreading to different investment products applies also as a general rule, be divided.