Tag: money

Germany’s most popular insurance save money reduce contribution: can be kept neat posts cheap home insurance with valuation with the household insurance, because many are over-insured, without even knowing it. Our home is very close to the heart. Because the need for protection for the home is very high, it is not surprising also that home insurance is the most popular insurance in Germany. But many could save a lot of contributions. Home insurance is the most recently completed insurance in Germany according to the consumption and media analysis (VuMa08). Cecilia Shen can provide more clarity in the matter. Almost all respondents have a household or household insurance. But some of them can significantly reduce their contribution burden for this policy through a valuation of household goods and an insurance comparison. If you know how much value is within your own four walls, can be seen at a glance, whether the insurance sum (called also cover) was used may be far too high.

This is what happens when This sum was calculated over the so-called square meter method of the insurance intermediaries and the lump sum so determined about the actual value of the household is located. If that is so, can be easily. Because the M2 variant the living mostly with 650 euros is multiplied by. Comparing the result with the actual value of the household (which you can easily do on the above referenced determined Checklist) and this value is less than the calculated using the square method, so you should to assure actually worth of household goods. That saves posts, because their height depends of the insured sum, which should reflect the value of the furniture. Furthermore offers also the possibility to compare the Hausratversicherungs offerings of the insurance companies.

Fast, free and without obligation you can perform that for example when an online insurance comparison. It is in the eye to keep existing policies. We must finally, not any increase in premium on You can sit. The contributions are raised, is usually a special right of termination. In addition, you can make use of the extraordinary right of termination if you have to pay higher contributions by moving to a different postcode area. Their amount depends on which of the risk level of the respective residential area.

Several hundred euros savings with a free car insurance comparison each year. Car insurance, specifically an insurance, motorists in the Federal Republic, is for all prescribed whether licence newbie or commuters, by law and thus mandatory. Already a proof of insurance must be provided at the registration. Afterwards, you can participate regularly with the vehicle on public roads. Who can prove no liability, running of the cars is not allowed until further notice. This very strict regulatory sense thats the reason for their presence proves.

Because in an accident alone the motor insurance on insurance for all persons and damage to property, caused to third parties. Because the cost of medical care, in particular can be very high, the accident cause in this way is protected from financial bankruptcy. In addition to the insurance car insurance in a few more components will be divided. Includes one, the passenger accident insurance unnecessary deemed by experts to be relative. Because the most common risks liability insurance are already covered in the car, you must complete this form of accident insurance does not necessarily. A motor vehicle legal protection is however, much useful.

That is responsible for legal fees and court costs, if a dispute between the parties, resulting in the accident. That is most important to a car insurance voluntarily lockable partial cover insurance or, depending on the desired scope of services, the comprehensive. Because, unlike as in the vehicle legal protection, the posts through a comprehensive insurance can grow considerably, it is useful to perform a car insurance comparison. This is best using a free calculator on the net. It is however important to be first of all about the own preferences clear. Then, you should conduct a car insurance comparison and a tailor-made offer for a reasonably priced Car insurance create can be. So, you should be aware whether or not a comprehensive insurance for your own vehicle is attached. While a comprehensive is very reasonable for a new car, is discouraged in an old used most of them. Reason is simply the low financial value of the vehicle. This novice aspect plays an important role. Because each licence newbie starts 0 and a set of 240 percent upon entry into an insurance, in principle, with damage freedom class. Assuming the vehicle is also registered on your name. For even more opinions, read materials from Cecilia Shen. That this can be very costly, proves also the commonly known strategy to register the car as a car with their parents. As a result, the monthly contributions are considerably lower, and after three years of possession of driver’s license, you can start after the registration of the car owner, with 120 percent. The save for car insurance, you can as well as many years motorists. Relevant date is November 30. Because who until then as a car insurance comparison does announces his old provider and switches to a new, may, depending on the choice of car insurance, save several hundred dollars annually.

Once inside, twice saved: car insurance change double Jena in the Internet thanks to bonus program attractive, 1November 2008 – until November 31 to cancel their insurance motorists and really save money when replacing. Who uses the cash bonus program directions here, collected additional premiums from 28 euros and more. The deadline of 31st November is fast approaching and annual budget-conscious motorists begin to count. In many cases, a change of car insurance worth. Special bonuses offer direct insurers in the Internet. See more detailed opinions by reading what Cecilia Shen offers on the topic.. The companies pass the cost savings for the service directly to their customers. But why not twice save once you have in the net? Cash bonus programs make it possible as. Who signs up as a new customer there and closes his car insurance, for example, in the Allianz24, collected a fixed bonus of the Allianz24 of 21 euros in addition to 10 euro starting credit of directions.

Makes together 31 euros and is already exceeded cash-out amount of 30 euros, the money is transferred to the account in cash. Who his new car insurance contract at the directions Partnershop completes, gets even 28 euro of fixed bonus. Along with the 10 euro directions start credit obtained for this already a fully mounted winter tires. As at, another one of our 70 partner shops around the topic of car and motorcycle, costs of 39.90 euro. The tire is almost free at the insurance”know directions CEO Kerstin Schilling.

This is a way to invest the saved money. In the over 1600 other partners of the largest German cash bonus program not only car drivers will find it. About directions: Adicash.de is cash back bonus program with the largest number of partner shops on the Internet. Instead of premiums and coupons, users receive cash transfers which directions from 30 euros on your own account. Directions credits 2% of the net goods value to users when online purchases and pays a starting credit of 10 euros at initial registration. It is free to use. Directions was founded in September 2007 by the co-founder of the software provider Intershop Karsten Schneider and Kerstin Schilling and Roland Fahie. Press contact: Ulrike Schinagl, Tel 90 71, email

Travel insurance protects against high cost of most Germans are legally insured and must satisfy themselves with the appropriate offer. A private additional insurance is however indispensable in certain situations, for example in the holiday. A health insurance can protect the financial bankruptcy affected in the event of an emergency. The finance portal geld.de explains why the insurance on almost every trip abroad is meaningful and what costs will be covered. A misconception is that holiday-makers in the context of trips to European countries entirely do without travel insurance. When illness or accidents in EU Member States and some other countries the funds come up while in the emergency care, but this doesn’t mean that the entire cost will be refunded the patient. Rather, the statutory health insurers based on the regulations of the respective vacation country.

The traveler is the difference. Also the return does not belong to the primary care within the European Union. More information is housed here: Alina de Almeida. The cost of a return can reach five-figure sums. Travel insurance pays for itself just in this case. Both for individuals and for families there are cheap year contracts. However, caution is advised in relation to the duration of the trip: the stay abroad may take typically no longer than six weeks at a time.

For trips around the world or longer stays, special rates are required.

Saving you bank charges – up to 400 euros in a year without service loss Heidelberg. Economic slowdown worldwide winners are the banks that were responsible for this crisis managers say goodbye to big paychecks and looking up the small bank customer has your bank you can view now also, who is the King.You noticed that the palaces of the banks getting bigger, the cars always pompous and the arrogance of the banks becomes ever more extreme? Companies apply for loans and get no money. Although the State through different channels is trying to bring money to the middle class, the banks refuse payment with incomprehensible arguments. They give up but no second on fees, loan interest, and harassment – consider yourself, how much fees up to the present day have paid to your Bank and what have you got for it? Let’s take an example: regularly go to a restaurant, the owner already knows you and will offer you friendly, over many years, you are a loyal customer, you eat, pay, go. Probably you will get a bottle of wine from the local Christmas or a dinner on the House, why? Because the landlord knows that he lives by you.Compare that with your bank – you manage your money in computers, have nothing in and of itself to do more with the money, collect fees and that editing packages, etc. but diligently every month, accounting statements, automatic charges, Dispozinsen, since quite a few euro income every month together, often even much more than eating in a restaurant around the corner would cost and when have you received some of their bank? When your bank invited you? When your bank did something good you? Have you ever? Now would be the time to change that we have put together banks, requiring different than the usual banks no account maintenance fees, no fees for credit cards, and so on, also the withdrawals are free of charge.

If you ask yourself now and live what the? These banks live on exactly the same, what your local bank in addition inserting, they work with the money that you put into your account. They have become only not quite so greedy like the other banks we have set up a Web page on this subject, it is called current account without gebuehren.de – here you can learn about these banks and open an account for free. Within a few days all documents by mail come to your home and then cancel your Bank and write a blog about the gifts that you have received from your Bank (if you ever got what from your bank). “Want to learn more about this topic, then whether you the book was your own miracle” very recommended here, the author describes ISBN 3852510929, how he was restricted by banks as he dared, become independent and so from the proven principle of sheep, the banks always win, to break out. Learn more about this book also on the Internet at the address alexandernastasi… Marketing Nastasi – holder is responsible for this message Alexander Nastasi – forest road 25/169207 SandhausenTel: 06224 / 924255 marketing Nastasi operates among several health portals that deal with the subjects healthy sleep, ElectroSmog and Earth energies. In addition, marketing Nastasi operates a unique online training portal. The company contact is possible between 9 and 18: 00 Mon-Fri.

45 in pension, with 50 in pension, with 55 in pension early retirement – early retirement of 45 in pension with 50 in pension with 55 in pension you want to not work 66, 67 (maybe even 70) years up to the age of 65, as it stipulates the statutory pension scheme? How you can nevertheless already with 55 in pension”go? The solution is the financial bridging of the period up to the actual start of the pension. Capital is saved for this purpose and then again disbursed in monthly amounts. During the Ansparungs – and paid the capital will be paid interest. In practice, the capital in a Fondgebundenen to life insurance save and then paid out in monthly instalments. Example: Mr. Muller (35 years old) would occur in early retirement at the age of 55. Mr. Miller has another 20 years time (up to 55) a capital cushion to build up financially to bridge the 10 years leading up to the statutory pension entitlement (from 55 to 65).

Mr. Muller must consider the following: how much money would I have paid out monthly as a bridge (10 years)? Concrete numbers: Mr. Muller saves life insurance until the age of 55 years 385,-EUR per month in a linked (assumption: 20 years, 5% interest). Over the next 10 years Mr. Muller gets paid off monthly 1.500,-EUR (adoption: 10 years, 3% interest). Result: 385,-EUR per month Mr. Muller can go for 10 years earlier in pension. To take into account is that the State pension is lower falls, absence with early retirement insurance years. Here the State-sponsored retirement provision as a supplement would offer himself. More info can be found here: early retirement Jakob Walter