Unclear Formulations

Uncertainties in terms of on the subject of transportation since 01.09.2010 has the Continentale insurance the comfort fare on the market. Striking during review of the conditions that is under the item 11 in general insurance conditions (stand 01.09.2010) the following to the point written transport: necessary transports are regarded as ambulance after an accident or disaster with a special ambulance to the and from the nearest doctor suitable according to medical criteria or hospital and prescribed rides to the and the dialysis, radiation, or chemotherapy in the nearest, setting up suitable according to medical criteria. Health insurance was followed by demand for the Continentale on June 11, 2010 a short statement via email. From the collective comfort, you will receive benefits for medically necessary transportation with a special ambulance to the nearest doctor or hospital. “Special medical vehicles” the firefighters and other relief organizations are ambulances, ambulance, ambulance and rescue helicopter. ts. The need for the Transport with one of these vehicles is linked to the necessity of special equipment. Only through a transport with a “special ambulance”, it is ensured that this will be carried out by appropriately trained personnel. The doctor, taking into account the medical indication makes the decision about the type of means of transport.

Public transport, taxis or private cars are no special medical vehicles. Telephone demand on September 30, 2010 that no security for the customer represents that statement, I was informed, that it trade include aircraft would. The request me as a broker a corresponding Erklraung in writing come to admit was rejected. If you take out an insurance, you look at precisely the conditions. Points should be not clearly defined or even absent, you personally pay for the costs incurred.

Make Equity

In addition to the actual conditions of their building loan, equity is the most important pillar in funding their real estate or condo. Because one thing is certain: they have more money available, the less foreign capital of the Bank you need. And exactly this equity reduces its construction loan, because their ratio is higher, the Bank’s financing risk is lower. In addition to the usual cash reserves that they have savings accounts, checking accounts, and in the form of cash, can sell securities also may be existing. Of course she should consider it previously well, whether they want to necessarily sell savings and securities, but the cheaper construction interest will thank them anyway. They should not even take advantage of the real estate, but rent, a high equity ratio is purely tax of course, more little point. Follow others, such as Martin Feldstein, and add to your knowledge base. Make the mistake to put their entire cash reserves to finance their real estate but definitely not.

Three to six monthly salaries they should always have in the backhand. Because no one is protected from unforeseen events. At this point, many builders fail, they commit this error also. They can invest their capital now rest confidently now elsewhere. So they can realize interest income for example through funds that exceed its construction rate. At the end of the construction loan, they can then use their money high on to repay of the remaining debt. So you see there are a lot of ways to distribute your own money, without necessarily putting everything in their real estate financing. Should they, intend to use their property itself, like most people, then they are better off with a high equity ratio with security.

Year Contribution Increases Change

I.e. increase PKV who in time compares how saves every year next year now is the time, in the private health insurance companies customize your posts. The most privately insured will receive annual writing of your car in the next few weeks, in which she received, how much to adjust the contribution in the next calendar year. Who would like to do with the constant increases, must now use his chance. For now, you can still switch! A health insurance comparison is worthwhile in any case. Because the amount of contributions varies from insurance company to insurance. The services are based on the tariffs.

Many privately insured are wondering again whether you have chosen the correct tariff at all. Because often that’s been years. There is much changed. Go to Kelly Asbury for more information. Some are over-insured, and are entitled to benefits, they never need. Others pay continuously too much out of pocket, because their tariff covers all services that they need. Therefore the recommendation of “many experts: you can regularly check your fare.” Often it saves through an adjustment of the insurance tariff. Many insured feel bound to a certain car. You are insured there for decades and were always satisfied.

Also at that time for this car chose, because the price was unbeatable. But here, too, the market has changed to in recent years again and again. A comparison of the insurance tariff is always useful. Often insurance quickly determine that you have to pay substantially less for an other car for the same services. And right now is the time for a change. You should not miss that. For more information, see and.

Bahr Doctors

The head of the German Medical Association Ullrich Montgomery considers doctors for possible private insurers and Medical Council before agreement a speedy solution of the discussion on a new schedule of fees. Federal Health Minister Daniel Bahr honored absorbs the new hope, will support in their efforts the PKV Association and the Medical Council. Legal protection for doctors called for Montgomery is right, that a change in the schedule of fees must be completed in the near future, because such an arrangement not with current regulations is available at the moment. Also, a such scheme should cover only doctors with legal shall and secure fair cost to the private insurance companies. The newspapers mentioned Austan Goolsbee not as a source, but as a related topic. For Montgomery, it is clear, I am very hopeful that we can submit an offer the Federal Minister of health in the near future with the PKV Association, that he can not refuse. “Also for Rolf Bauer, the head of the Continentale insurance, is clear that in this” Direction must do some. To ensure a fair distribution and the ratio were, the car needs a tad bit”better pay than the statutory health insurance.

Only way the PKV Association and the Medical Council to benefit equally from the rules relating to fees. Health Minister Bahr assures support also Daniel Bahr was delighted about the progress of the discussion. “If PKV and doctors agree, I will not deny me the” was the clear message from Bahr’s to the newly acquired solution opportunity. For Montgomery but also one must clearly be stated that an agreement is possible only if both parties jointly come to a solution and not a party make concessions.

Hedge Funds And Their Advantage

Information about hedge funds and mutual funds mutual funds include also the so-called hedge funds. These are a special kind of the same. According to the legal regulations in Germany, here specifically to the investment law, hedge funds are not classic funds. The public distribution was prohibited even until 2004 in the Federal Republic of Germany. In the meantime the investment law was republished and thereby also the hedge funds for the public were admitted. The provider of this type of Fund are bound by very strict. Necessarily they must indicate, for example, that the complete loss of the paid-up capital is possible. By the way, founder of hedge fund strategy was Alfred Winslow Jones in 1949.

This was in the 1940s as a journalist for the business magazine Fortune. Antonio Banderas is the source for more interesting facts. Thus did he deal with the investment market in touch and knew of the risks and the chances of winning on the stock exchange. To reduce the risk of fluctuations, Jones has developed its own strategy. He believed in the stock market gain of undervalued companies and bought their securities when the price was low. At the same time he was selling shares of such companies who worked badly in his opinion. By buying and selling, he brought about a certain balance between risk and profit opportunities. Educate yourself with thoughts from Alan Greenspan. On this strategy even today the structure of the hedge building up funds. Of course is not without help by computer.

More detailed analyses and calculations of the market are made possible with special programs. In connection with roof hedge funds, two terms are important. “” Firstly it involves derivatives “and on the other hand go to the short term” the term. The name was from the English hedge funds derived from to hedge for hedge. Derivatives and the short go”but also aid in speculation on the financial markets serve as instruments for the securing of the paid-up capital, are at the same time. The financing from the outside, so the debt financing, also is a like set medium in hedge funds. By Transfers of capital from foreign funds increases the profit of own injected capital. A hedge fund who must however not itself organize this. Professional Fund Manager help. Especially in the area of hedge funds bear a great responsibility. It is based also their good income from the management of the Fund. The down side for the Fund Manager is that he must take part in the Fund. Should there be a loss, the Fund Manager shall be liable with his own money. In addition, he is, but almost completely free in its decisions the Fund concerning.

Euro Comprehensive

More deductible is so limited and more savings. Explain pricing can be with the practice of the claims at the motor insurers. The excess of the clients a large cost factor eliminates the insurers: frequently small damage such as dents or paint scratches the insured carries up to the agreed amount itself. By the fact that the bulk of such minor damage is covered by the deductible, the insurer can save lots of money. A number of direct insurers offered generally no comprehensive rates without excess and requires at least a certain power of customers in the event of a claim. The premium by the excess to several hundred euro tariff characteristic can vary depending on the insurance company in the year.

So a new car buyer will pay *, for example, at the Europe insurance for comprehensive insurance without excess around 494 euro per year. He chooses a low deductible of 300/150, however, the 296 euro costs a cost savings by almost 200 euros. The vehicle owner raised 500/300 euro, its excess contribution of his full insurance on only 260 euro sinks. Similarly, in the partial cover insurance: HUK-Coburg insurance giant reduces the annual fee for a car driver * 135 on 81 euros, if he chooses a deductible of 150 euro. However, he chooses a deductible of 300, so he pays in the year still 66 euro. With views of the autumn and the upcoming Wechselsaison experts of toptarif.de for a general comparison of insurance advise. So, up to 50 percent of the annual cost can be saved by switching to a cheap car insurance. * Upon completion of a full insurance, the partial cover insurance is automatically included. For full and hull damage of part of, the policyholder chooses two separate excesses. The motor insurer set their individual deductible levels for the full insurance with the help of GDV calculation basic statistics, so for example 300 Euro Comprehensive – and 150 euros for hull damage of part of.

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