insurance & pension

Giro account fees can be saved completely. The past year was dominated by the economic crisis and now in 2010 it looks not much better, everywhere you read by layoffs and austerity cuts. During this time, you should therefore see to that you can also get his flock in the dry and are as good as possible with its available money haushaltet. If you have a checking account, then still associated with monthly fees, that is then of course not optimal, first and foremost, because it is a regular Edition, which should not be. Thus, it is in 2010 high time, to switch his account and the diverse services to choose from a checking account, which has no monthly service charges. In this way you can save monthly quite a bit of money, what is one then for other acquisitions or the creation of money available. In a question-answer forum Andrew Cuomo was the first to reply. Now you should rush into anything when choosing a free current account but and take quiet some time and the various possible offers of individual banks and credit institutions compare with each other.

Even if the current account takes some time comparison, this worth much in the longer term. Because even though many current accounts are offered now for free, you should compare, whether this charge on a monthly minimum payment on the account is bound, if a disposition is granted and if so, how high are the interest in the use of DIS POS. Still, you should compare also services of the Bank with the other current account providers, so that you have ample opportunities also in the surrounding area, to withdraw money at ATMs. A more interesting point of comparison in the account possible additional services that are offered with a free checking account by the individual banks are comparison. It can be a credit card, or on the other hand a high-return investment opportunity with a tag account. Of course the interest obtained on the credit balance of the current account are very important. The listed points are the most important Points of comparison with a checking account comparison and should necessarily be taken into account. You could opt for an interesting offer of a free checking account, you must still apply this and resolve the existing checking account at his old Bank.

Furthermore you must inform all important institutions such as employers, landlords and electricity on the account change. Even if the selection of a free checking account with the thorough checking account associated comparison and the eventual move to the free checking account with some effort, the thing worth. Changed his account, account management fees of the past belong to and you have some extra money for other things available, because depending on the transactions in the year 2010 and money movements may be relatively high accounting fees and monthly. But with a change of giro account in 2010 you can save a complete these fees.

The GFH GmbH the budget planner from Nuremberg recommends a budget budget planner (also occasionally called revenue-expenditure calculation) is the basis not only for a debt settlement. If you once exact has listed himself, what one in a month (and year) to spend for food, rent, car and leisure, then gets you gradually a concept of where the money stays. This overview helps to get along better with existing money and realistically also the scope for loan rates. The GFH GmbH the budget planner help you and tell how you can multiply your money. Many years of experience in the field of financial analysis helps to look down to the last corner of the purse. Various concepts of analysis of the GFH GmbH speak a clear language. The success is obvious. After an advisers of the GFH GmbH which is the current budget planners developed State, it goes into the next phase.

Where do I create the money so that it multiplied, and one can still create a secure facility. An example is the system of the Assets in listed real estate. A so-called budget which detail is filled with the advisers of the GFH GmbH is used for the clear overview of the income of all family members (salaries, pensions and child support), as well as the monthly fixed (rent, insurance) and variable costs (E.g., food, clothing, leisure). This plan can edit a spreadsheet and you can quickly figure out, if there is still air in budget. Or, if you rather want to work on paper and counting, the consultant who specializes in financial print gladly the budget in paper form. The budget we then used in the next interview as a basis for the asset to investing. The budget book is intended for the more detailed and in particular regular employment with the revenue and expenditure of the respective budget.

Here you can hold his spending every month and take stock at the end of the year. The household book of the Sparkasse service money & budget contains also useful hints for dealing with money in the budget and to the practical execution of a budget book, so the GFH GmbH the budget planner. The GFH GmbH is also a whole series of the German Sparkassen – und Giroverband to the better (home) economies, including for special target groups such as young people or people in the second half of life. Some deals, such as the budget planner, can be used directly on the website. Try me, what suits you and helps you to get an overview of your finances – and then get out. The GfH GmbH the budget planners was founded by well-known companies in the construction, real estate and financial industry executives. The GFH GmbH as a specialist in the field of financial planning is pressed in the focus. The trend-setting concept of the GfH GmbH the budget planner aims to create long-term stable values for investors and owner-occupiers. To do this, the GfH GmbH examined the financial Opportunities potential customers and investors, then corresponding opportunities of investment, especially in real of estate listed, to present. Seat of the GfH GmbH Nuremberg is the budget planner. Contact: GfH GmbH Gesellschaft fur budget planning?

Coinstatt cooperation with Payango GmbH (pk) decides there own, not State currencies in Germany more and more. See Thredup for more details and insights. The purpose of these projects is to promote the residence-based alternatives by (largely) owner-operated shops. The company Coinstatt, based in the North Rhine-Westphalian Herdecke operates the largest such performance covered regional currency of in Germany and currently expanding its offering by its own visa customer card. To this end, the Coinstatter with the PAYANGO GmbH have decided a cooperation in Berlin. PAYANGO gives out successful Visa cards for years, which are particularly safe as prepaid cards. It can, much like with prepaid cards for mobile phones, have paid previously on the card be has only. In this respect, the current account also with misuse remains protected.

In addition, effective protection against excessive debt is given. That highlighted that the Visa card by the largest German Landesbank, Landesbank Baden-Wurttemberg is issued the Reliability with another feature. Coinstatt is the first regional currency, which combines the advantages of the own system using a credit card with the visa customer card. The holders of the card get 240 coin for immediate use in our Verbund. “A transfer value of 240 euro is the”, explains Coinstatt co-founder Aydin Acharya and adds: we are delighted that we succeeded through the cooperation with PAYANGO GmbH, to offer consumers a product so interesting. ” The visa customer card by Coinstatt there are for an annual fee of 59.90 euros, first in Castrop-rauxel, Witten and Selm. Other cities will follow in 2010, the nationwide dissemination will join after the introductory phase. The map is the December output. There is information about the Coinstatt currency Peter Krause in the Internet at the URL

BVMW President Ohoven compromise to the Investivlohn considers reasonable Bonn/Berlin – the compromise of the Government coalition on the involvement of employees in the company is a reasonable and relatively non-bureaucratic way. The warnings of the economy from a centralised fund solution showed apparently effect.” That the President of the Association said medium-sized economy (BVMW), Mario Ohoven, the corner points of the coalition working group today known. He hoped, so the middle-class President, that so is the overly bureaucratic Germany Fund off the table. This was a Central Fund of Kurt Beck in the last summer proposed model to pay workers, and which indirectly should participate in their companies. In contrast, the BVMW and other economic associations had called a direct participation of employees in the company. In Germany, only about eight percent of employees in the company are involved. Overall, only just under 4,000 companies make Offers corresponding to their employees. We have another backlog at the Investivlohn in the EU”, Ohoven. He was however confident that planned tax incentives for the acquisition of capital shares in the company will act as a primer. Ansgar Lange

Health insurance Selbststaendige.de luncht new price comparison for health insurance with a three SchritteSystem a health insurance for the self-employed should be tailored to the needs, because grade during the start-up phase, it is not only important cheap insurance to be, but to grant optimal protection in the price / performance ratio. Later, the insured person can the insurance with individual services to get on stocken, a maximum protection. Exactly on this, specializes and provides a quick and easy performance and price comparison the visitors health insurance independent. The three steps system offers the self-employed persons the possibility to get several offers from independent insurance consultants and insurance. So has the overview of the self-employed and must not just blindly trust on an insurance consultant, because hazards when choosing the insurance are tooth squadrons, excesses and the services the insured person not receives. Particularly worth mentioning is that rebates will only be guaranteed if no bill for the fiscal year is filed. The three steps offers everyone the right health insurance finding exactly the security and to assure optimal system. The website not only to learn where and at what price you insure themselves best, but what about services is also helpful information. This is an important point for the self-employed to yourself and your company optimally in the sickness and your business or company to protect the run to keep. We want to provide the separate information and not only leads for insurance “D.Hoinkis the Internet site operator”

Will there be no head package in the statutory health insurance? “No head fee health insurance say politicians of the CDU and FDP in the election campaign of the Landtag: there will never be a head lump sum in the health insurance”. Health Minister Rosler said: anyone who claim otherwise would scare people. In a conversation about the Landtag election in North Rhine-Westphalia, politician of the CDU and the FDP on the enforcement of a head lump sum is expressed in health insurance. “In a post for Welt am Sonntag”, Health Minister Philipp Rosler of the FDP and Hermann Grohe, CDU General Secretary say: A premium per capita “will not be available. Who says otherwise, wants to frighten the people and trying to dodge an honest debate.” Specifically, the SPD tried to unsettle the insured in North Rhine-Westphalia. “The two coalition leaders say clearly: who us under, we wanted to chief doctor and charge nurse in the same way, says deliberate untruth”. Changes in the health care sector could happen only step by step.

A reliable health system thrives on the acceptance of all parties involved. This prohibits abrupt system change.” Of social compensation through the tax system would offer the chance of a more equitable burden-sharing. Heiner Geissler, formerly CDU Secretary General, warned the Union to follow the proposals of the FDP on the subject of tax and health policy. “” When the CDU adopts the head lump sum, it is the State and federal elections lose as was Maggie Thatcher with their poll tax ” Geissler said focus magazine in an interview”. The Green Bundestag Group Chief Renate Kunast reproached black yellow, she would continue to work with trickery. “The promised fiscal equalization is pure eyewash given fast”, said Renate Kunast in Berlin on Saturday. It increases the premiums of health insurance funds in the Government Commission to consider health-care reform would have been called, “but no one dares to say that” the Bundestag Group Chief said. One Report of the news magazine “Spiegel” after the health and interior ministries disown on Saturday, Interior Minister Thomas de Maiziere of the CDU as a member of the Government Commission brought increases in premiums for the statutory health insurance in the game this year. It was but “completely far-fetched”, Roland Jopp, a spokesman for the Health Ministry.