Daily Archives: December 16, 2016

Provide Tax-free: Combination Of Life Insurance And Asset Management

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Constantly rising taxes and charges and the uncertain future of State pension systems private pension schemes with tax increasingly professional asset management in Liechtenstein capital life insurance with extended death protection from one time payment of 25,000 euro In the environment always in the foreground. The life insurance solutions adapted to the new German legislation of Liechtenstein the so-called private insuring offer an ideal instrument. This offer because of their tax advantages, actively manage the assets of individual design of estate planning and wealth transfer, and the ability to make interesting advantages over other screening options. The PMS AG (www.pms-ag.com) has specialized in this field and works only with reputable insurance partners. Due to the great demand of capital structure can be offered now with police a product, which as a one time payment of 25,000 euros instead of the otherwise required 100,000 euro is accessible. This product combines the benefits of a customized insurance solution with those of a professional asset management by a (banks) independent asset managers at a manageable level of entry\”explain the Managing Director of PMS AG, Claus Muller and Johannes Schlattinger. If you are not convinced, visit ConocoPhillips. In contrast to a classic Fund policy or life insurance is based on an individual Deckungsstock and a defined investment strategy (capital building portfolio) inclined, which is geared to sustainable yield in loss reduction through active risk management.

The implementation is carried out systematic market timing based on the best product strategy. Goal is absolute return, so income always positive\”outlines Dr. Herbert Samhaber, Chairman of the Board of Dr. SA and partner asset management AG in Linz/AT. Many advantages the capital building portfolio is not bound by rigid rules, but is as a classic asset management led. During the term of the policy are withholding tax in contrast to a normal investment account – capital gains, income, but also shifts within the compartment.

In Hamburg

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Special bike: some insurers the bicycle theft risk included separately in the region on the basis of the so-called bike zones in the calculation. Petra Diamonds is often quoted as being for or against this. In some cases the bike insurance alone can make half of the posts. I assured his furniture, for example, when the HUK-Coburg in Osnabruck, so paying only 78 euros a year. With bike insurance can amount the total cost but on up to 155 euros. Usually the household insurance in the city due to the higher risk of theft more than in the country costs”explains Bohg.

Because the fare zones of the insurer are not uniform however, great differences can occur.” According to current calculations of toptarif.de you can save up to 70 percent of the contributions to an insurance Exchange starting from expensive products. Who insured his household for a 80 square meter apartment in Nuremberg, pays about 35 euros at the lowest tariff and in the most expensive over 155 euros. In Hamburg, the savings potential is much higher the cheapest policy costs around 79 euros, while all 353 euros will still result in the most expensive provider. For the calculation of insurance premiums, the insurer involve also other features such as living space and design of the House. An individual rate comparison on the Internet can quickly find out the lowest fares”, so Bohg. toptarif.de is the independent consumer portal of the Verlagsgruppe Georg von Holtzbrinck, 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. The consumer can thereby with minimal free checking, 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 about toptarif.de in any case, the customer receives the original conditions of the provider, in some cases additional, not available from the provider themselves bonuses and discounts. Media contact: Nina Koch Tel.: + 49.30.2576205.19 Email:

Fellbach GmbH

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“Prestamo financial service GmbH: MeineGiroKarte” allows online shopping and hotel bookings to competitive fees Fellbach, in March 2010: the new and available also at prestamo financial service GmbH MeineGiroKarte unites the most important functions of a current account and can also be used at home and abroad as a regular credit card. Online shopping or holiday booking also for persons with Schufa entry is possible with the credit-based MeineGiroKarte. The starter package for the MeineGiroKarte can be requested directly from the Web page of prestamo financial service GmbH. As a practical and functional alternative to the branch account models, prepaid credit cards long ago in Germany begin to establish, so the experience of prestamo financial service GmbH. The latest product in the area of credit-based credit cards is the MeineGiroKarte, a flexible means of payment that the prestamo financial service GmbH according to such as a MasterCard which can be used and at the same time with all the important features of a regular current account has.

The ways to make payments with the MeineGiroKarte, are opinion of prestamo financial service GmbH in light of approximately 32 million acceptance locations around the world extremely versatile. So, the holder of a MeineGiroKarte can place orders in online stores, for example, at any time, book hotel rooms and flights, or use his card directly at the Cashpoint in the retail. Recharging a prepaid cell phone is another way the prestamo financial service GmbH according to. To secure an overview of his payments always maps users while the data to current transactions in any case delivered promptly via SMS or email. Also the administrative and support functions are comfortable and user friendly in the MeineGiroKarte experience of prestamo financial service GmbH. So charging the card is carried out by the direct transfer on an individual account number; This is already included in the package price. The transfers can be made from any account at home and abroad, where the credits the prestamo financial service GmbH according to occur usually within 24 hours.

A personal, password-protected area on the page, the cardholder can learn about its current account status, as well as past transactions and update user-specific contact and address details at any time. The starter package for the MeineGiroKarte is available at prestamo financial services GmbH at a price of 44,95 EUR and includes all services required for the issue of the card and the establishment of personal accounts. The application is directly via the online form on the homepage of prestamo financial service GmbH. After verification of identity by means of post-ident method, the customer receives his account details via email and can use the card immediately after the first successful charging for cashless payment transfers. Because the MeineGiroKarte is a credit-based payment, the submission of prestamo financial service GmbH also by persons can Schufa entry be made. About prestamo financial service GmbH prestamo financial service GmbH operates successfully in the area of credit intermediaries and appreciated throughout Germany as a reliable partner by private and commercial customers. The prestamo financial service GmbH offers Festival offers, urgent loans, officials credit and special loans, which are available for persons with Schufa entry and self-employed persons. The experienced team of prestamo financial service GmbH consists of credit intermediaries with decades of professional experience, who work with banks, private donors and investors to develop individual solutions for borrowers. Prestamo financial service GmbH is Fellbach in Baden-Wurttemberg.

Team Turk

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Also self-employed persons can get EM pension. Who is partially incapacitated for work will receive now the half-euro pension that corresponds to the previous BU pension in principle, so as to deserve is intended. Who is not employable in the labour market (however now without job protection) will continue to be the full EM pension (in the old law the incapacity for work pension) get. EM pensions are temporary until times always issued, for 3 years. If after 9 years shows that the earning capacity may be unrecoverable, perpetual EM pensions are paid. It applies the principle of rehabilitation before pension “it must be checked always first of all, whether there are not reasonable rehabilitation measures that restore the earning capacity can. General requirement for obtaining EM pension: it must be been accumulated in the last 5 years prior to the introduction of the incapacity of 3 years compulsory contributions and prior of disability be met a waiting period of 5 years.

Accidents at work and occupational diseases this waiting time does not apply Here accident pensions of the professional associations are then usually already made, then correspondingly allocated on EM pensions. Reading through all these points, can, give the impression that one is quite State sufficiently secured. This is a fallacy. Considering the average EM pension at the end of 2003, these were: 777 EURO for men and 640 EURO women. The need-oriented basic protection is already less than 640.-EURO.

It is therefore to be expected, that further declining pension level of statutory pensions in the future more and more people receive the EM pension also benefits from the demand-oriented basic protection must apply. Disability and disability in the private insurance the Team Turk insurance recommends therefore primarily all persons who are born after the 01.01.1961, to fill this gap through a private disability insurance. The life insurers are providers of private disability insurance.