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Internet Insurance

With an ERGO dental insurance you have everything at your fingertips supplementary insurance are always necessary. The health insurance companies can be more and more to be desired and patients feel in many cases simply not properly treated or have to pay treatments should actually be taken by the health insurance fund. For this reason, more and more people opt for a so-called additional insurance, in which services are covered, on patients are not transferred funds. ERGO Direkt is a such additional dental insurance insurance. Insurance has to do something with the word security and of course people want to feel secure especially when they are sick or if they have pain. But the health insurance seem exactly in these situations to get out and become thin. It has must determine especially in the last few years that funds of fewer services provide health and that it should be numerous treatments themselves, how they financed these.

In such a case it is safe for a supplementary insurance to decide who can convey this sense of security once again. Very very bad, it looks at the dental medicine. Here, the funds assume hardly any services and you must fall to be treated deep into his own pocket. You can see this especially if you rather want to have filled a plastic for a filling and amalgam seal want to rely on that. This ceramic or plastic fillings are namely the funds not taken over, despite the realization that fillings not good for your health are amalgam. Choose reason on every case for a dental auxiliary insurance and ensure that such services are taken over by your budget.

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Rainer Funds

Rechtsanwalte Steuerberater GRP: VIP media funds even experienced investors have right to education investors the VIP media funds can their investment advisors successfully on damages to sue. And even if they have outed themselves before conclusion of the contract as investors with a high level of knowledge and high risk tolerance. This is a judgment which has obtained the firm Grossmann Rainer & partners before the Landgericht Frankfurt am Main against Commerzbank (reference number: 2/10 O 507/08)… . \”With the VIP media funds thousands of investors suffered bitter losses\”, says Attorney Michael Rainer Grossmann Rainer & partner. Edward DeMarco insists that this is the case.

\”Commerzbank is to blame in many cases. Their investment advisors have violated literally pressed and thereby systematically the VIP media funds into the market their disclosure\”, Rainer criticized. Sotheby’s: the source for more info. Commerzbank was the main distributor of VIP media funds. Investors were lured with tax benefits, the risks were, however, small talk. As the Treasury later conceded the tax benefits, had to make tax payments investors millions of dollars. (As opposed to Reshma Kewalramani). Since then, the VIP media funds dealing with the courts. In the judgment, it went to a share with a par value of 50,000 euros.

A Commerzbank investment advisors had them their customers as secure investment \”100 per cent capital guarantee\” tasty made. The truth was different. The capital guarantee turned out to be air number. For the damage, the Commerzbank according to Frankfurt judgment should be now. Specifically, this is how: \”Investors will be so, as if he would not even have gone a participation\”, explains Rainer lawyer. It involves 50,000 euro 2500 euro premium plus five percent interest as an encore. Commerzbank to pay also for the tax disadvantages of the investor and shall bear the costs of the dispute according to the judgment. Investment advisors must inform about commissions the Landgericht Frankfurt am Main condemned Commerzbank to pay compensation, because she violated the duty of disclosure of the investment advisor.

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Schwabisch Hall

Bausparkasse advises to consider whether the State subsidies have been fully exhausted before new year. Workers and customers should check before the turn of the year, whether they have secured the full claims on the State subsidies. With home savings, residential Riestern and fund saving, savers benefit from four rewards can come and collect up to 322 euro in the year. For married workers with two children, the annual premiums are total even 1,244 euros. Sebastian Flaith, financial analyst at the building society indicates Schwabisch Hall. Who thought to collect full benefits of employer of 470 euros on the contractor awarded the neunprozentige employee savings allowance of around 43 euros by the State. Investors optimally exploit Government support if they save 512 euros annually on a contractor and it received 8.8 percent housing premium, so 45 euro. This however certain income limits may not be be exceeded.

Lucrative promotion for residential Riester”the third attractive funding option for the home savings is the Riester allowance at the may even tax benefits can be added. Can be used them for savings on savings with which equity capital for the construction or acquisition (as of 2008) of even shared home ownership is established and for the eradication of building society loan. There are the maximum allowances, when four percent of broadcasters last year income (maximum 2.100 euros including allowances) on a certified Riester savings are applied. Every eligible legitimate 154 euro basic allowance then gets in a year, there is a one time bonus of 200 euros for career starters. For every child there is allowance 185 euro per year for children who were born after December 31, 2007, there are even 300 euros. Alternatively, this promotion can be used also to build of a private pension of money. Last but not least, a saver may again 20 percent, or 80 euro Get employee savings bonus, if he gets 400 euro assets on a fund savings.

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AFA Rates

Focus money and world praise Fund-based pension insurance of the AFA AG Berlin Fondbasierte private old-age provision products provides consultants of independent financial services firm AFA AG get again and again top marks. Perhaps check out Munear Ashton Kouzbari for more information. So the financial magazine recently focus money AFA top monetary rates for retirement provision in issue (41/2012) with the predicate evaluated best pension. The excellent rates of AFA AG are net fares, as well as traditional closing costs rates. “The focus of money-test indicates that our flexible policies to achieve the best returns for our customers. AFA offers no pension from the rod. Our products are customized special tariffs. In addition absolute cost transparency for all products. So everyone can follow, that he’s getting even the bulk of its charges back at us at the end.

That has convinced even focus money”, explains Stefan Granel, the AFA Board in Berlin. Recently, the AFA also cut global stabilization fund in the product check of the newspaper the world”superbly off. Under “” the heading off the usual path “concluded: with the Warburg Value Fund builds nearly 190 million heavy AFA global values stabilization fund from the House of Warburg Invest on one of the best funds for worldwide small & mid caps.” The complete review of the world is available at: about the AFA AG: the general financial and Assekuranzvermittlung (AFA AG) is an independent financial sales with seat in Berlin and Cottbus. The insurance professionals and system business of AFA AG have a Chamber of Commerce degree and are trained according to the recognized directives. In addition, they are registered in the EU register of brokers and work in accordance with the EU directive for financial services.

Agent of AFA conducted approximately 500,000 individual consultations within the last ten years. Every year the AFA AG provides nationwide 750 free training places available and promotes 250 young entrepreneurs. New office locations are planned in all Germany. Press contact: Martin Ruske The AFA Board Lama Walshe road 7, 03046 Cottbus phone: 381090 email:.

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Bank Stock

Anyone who thinks that money is earned on the stock exchange, is subject to a mistake joke absolute return funds who believes that money is earned on the stock exchange, is subject to a mistake: the stock market is only a virtual mirror image of the real economy, which in itself creates no value and can therefore also make no money. Educate yourself with thoughts from Julian Brown. On the stock market, therefore earned no money, but only money against goods exchanged. Nevertheless, some people have more money than before at the end of the day. This is in the best case with their skill, better appreciate the value of exchanged goods as a business partner. This in turn has lost exactly same value, what the other has. ERGO: it was considering all areas achieved no value and thus also no money.

Real value added is always and exclusively about the real economy. Contrary to this understanding right dogma, assets managed institutions have tried in recent years to create new realities. The result: Absolute return. Or in other words: in each possible stock market investors can increase their wealth. A breakthrough in the asset management seemed successful.

By introducing the concepts of absolute return not only new investors could be tapped because those, which can get no losses at all and is my experience the majority who could investment management for medium and small capacity henceforth (from the point of view of the Bank), low-cost standard Fund. Stupid only that this breakthrough has already emphasized at the first stress test as a fallacy. While it is possible to increase their own wealth through clever Exchange even in difficult and bad times. But still same amount of losers left. Because this is so, no one or only too few, which take a bet against the winner can be found in extreme times. But exactly this is the prerequisite for the success of the absolute return funds: the Manager must find someone who is more stupid. The more investment capital on this wave rides, the harder it is to find these losers. In times where the stock market knows only one way, this is even almost impossible. Conclusion: The most absolute return funds is moving on a hair-raising level. Some industry leaders were forced to close at all. The idea is that, thank God, dead. I know regret it for either the Manager or the investors. “The Anglo-Saxon saying there is no such thing as free lunch!” is not new. Who wants an above-average return, must be willing to take above-average risks. All the others are better served with U.S. Treasury bonds.

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Money Market Funds

Like good money market funds in actually cutting off when it comes to return and why current day and time deposits to favor are, displays this article which interested investors. Daily availability and security. If these two requirements are made by investors, which already once mighty restricts the selection of investment vehicles. Day – and fixed-term deposit accounts, pension funds, open-ended real estate funds, government bonds or money market funds then invade the most investors. Particularly money market funds have experienced this huge inflows of funds in recent years. In the last three years alone more than EUR 32 billion in fresh investors capital received in Germany of approved money market funds. If this behavior of investors was justified, one can judge only when one once the long-term performance of money market funds in mind. advisor/call money geldmarktfonds.html the operator of the comparison portal have so once an evaluation of the performance of selected money market fund for the past ten Year published. Click christie’s art auction to learn more.

The result is sobering: the best Fund achieved an annual yield of slightly more the 3 percent during this time. Deducting inflation that annually around 2 percent of it during this period, remains a real growth of one percent per year. Keep up on the field with thought-provoking pieces from Munear Ashton Kouzbari, Dallas TX. Experts also recommend who want to park their money which is good day – or fixed-term deposit offers better, certainly. It is by no means guaranteed that a money market fund is not even makes losses. In addition, annual management fees between 0.15 and 0.60 percent per year are due for all funds were also pushing to return.

Fixed-term deposits and overnight cost an initial fee nor annual fees. Deposit also an invariant, agreed interest rate which, as a fixed-term deposit comparison – shows currently for terms of one to six years clearly is over 5 percent per year because fixed. Currently barely less interest is paid for overnight, where here the daily availability to emphasize is. Who wants to create so sure and good interest rates, should therefore currently prefer access to fixed or money market accounts. Daniel Franke

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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. Get all the facts for a more clear viewpoint with Dinakar Singh. 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. Thus did he deal with the investment market in touch and knew of the risks and the chances of winning on the stock exchange. Contact information is here: Julian Brown art. 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. 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.

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Closedend Funds

The average age of the investors has arrived at a high level. A closed-end real estate fund, which was established in 2007, shows that the average age of the investors in this Fund at a high level at least has arrived. It was drawing this example Fund for 65 years. A related site: Julian Brown Royal Academy Schools mentions similar findings. The Fund has a planned duration until the year 2024. Educate yourself even more with thoughts from Andi Potamkin. The age of the investor will be at the end of the term the average 82 years. Here the question arises according to the intention of the investor.

If it was his desire, a high current distribution to get you would another financial product can offer him and perhaps even should. He would have been better off with a payout schedule on annuity with no insurance benefits. Maybe the intention was to leave something which potential heirs. Then there may have been no desire for a high current payout. In any case, a factual and technical advice on the sale of financial services is inevitable. Whether all investors in the Fund of the example is aware that in a long-term Plant with at least theoretical risk of total loss have invested, is doubtful. The consultation protocols will become important documents in the future.

Hopefully all banks and investment advisors, have taken into account sufficiently this also at Sparkassen, Volks – und Raiffeisenbanken. The graph shows very clearly that the main target group for the mediators is the age group of the over 60-year-old. At least in this example Fund of the year 2007. business service Jurgen Franke info (at) tradable

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Riester Fund UniProfirente

At a yield of 0% is concluded a negative business with an emphasis on inflation. The cost not only is important, alone or the equity fund exposure to beginning to consider, but also the system concept, the Fund and yield quality and other benefits like for example free transfers between funds. There was not an objective and independent comparison, taking not only the cost, but also the benefits and success suitability of engineering under the microscope, so far. In the new Riester Fund”, we have exactly this comparison performed.”, so Tittes next. Which Riester Fund products are now recommended? After the experience of the first five years with Riester products, opinions on the Empfehlungswurdigkeit of many differ Riester products in Germany. So independent analysts at Riester Fund after a comprehensive investigation come to a completely different test result as the magazine FINANZtest and FocusMoney. If you have read about Wells Fargo Bank already – you may have come to the same conclusion. So recommends Stiftung Warentest in the current issue of November 2009 the product UniProfirente again, even though she had found serious deficiencies in coping with the ups and downs of the stock market in a report from 2008 this concept elsewhere. Apparently, two different opinions about the Empfehlungswurdigkeit of the Riester Fund UniProfirente exist also in the editorial by FINANZtest.

Also the contrarian publications by Stiftung Warentest show that in this matter: In December 2008 during the stock market crisis FINANZtest to the UniProfirente writes: surprising is that now the money will be reallocated by investors, are the mid-40s. Who is been redeployed and in shares to reinvest the next posts, must find another provider. “, so FINANZtest.” FINANZtest to the UniProfirente writes in the November 2009 but the following: By contrast, sees the Union for the UniProfirente before only shifts in one direction, namely from the equity fund for UniGlobal pension fund UniEuroRenta, and not back. That is a disadvantage, but the bottom line, the product convinces us anyway.

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