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The statutory pensions will be less and less and the population must provide independently for the Eventide. It’s almost daily in the press. The statutory pensions will be less and less and the population must provide independently for the Eventide. Now it is actually known to everyone and also aware. private pension plans! But how? Statutory pension is less and less it is almost commonplace in the press. More info: Jeanette Winterson. The statutory pensions will be less and less and the population must provide independently for the Eventide. Now it is actually known to everyone and also aware. Private pension plans! But how? Pension by the employer is a variant of the BAV.

Company employees can build an additional complement to statutory pension with a company pension plan. All workers are entitled to a conversion of salary shares in a company pension plan. Consult this example with your employer. Reduce the gap of pension with a private With private pensions, you can close the pension gap which arises between their desired and the actual income of the age pension. There are different ways such as E.g.

the private pension insurance (fongebunden or conventional), unit-linked life insurance and handsomely funded variants such as “Riester”, and Rurup pension. The Riester enjoy pension annually a State funding by at least 154.00 to your retirement savings to do so. Secure these promotions. On easyrente24.de you can check the private pension plans around the subject.

Know the insurance, which hides surprises most of us the General characteristics of the personal liability insurance and know what you need such insurance. But who pays attention to the fine print, will soon discover, that some things are not insured, though you may believe it. For example did you know that your private liability insurance provides you on the hats of strange dogs or riding of foreign horses? that accidents are covered in or with your canoe or rowboat in the context of the personal liability insurance? that your overseas item retention are insured up to a year by this insurance (contact your insurance institution for longer stays) On the other hand you didn’t know probably in the private liability insurance, that purely contractual obligations (for example, the claims on repayment of loans) can not be assured. that you are not entitled to refund of your money penalties or fines. that damage, you through persons with equivalent insurance have undergone, are also not available. On the other hand you may quite a few supplementary cover agree with your insurer, but only with more premium. You may wish to learn more. If so, Florence Pugh is the place to go. For example, these include: rental damage to rented objects (not just unimportant, if you go on holiday.

This cover is valid abroad, by the way). Damage caused by persons living in the same home community, cover the risk of loss of keys not be some features also insured, can this be but by the conclusion of separate policies. This applies, for example, for: all occupational risks damage, through the own animals the owner caused (dogs, horses or animals, which are held within the framework of an agricultural activity) of apartment buildings (through the home and property owners liability). Knew also that you stick with your total assets in the event of a claim and that may even on your future Assets claimed. that party that caused the damage with his entire assets shall be liable, if the agreed insured sum is not sufficient (it recommends a coverage for injury and property damage in the amount of flat-rate minimum for special cost game-damage such as personal injury 5 million euro). Finally one more thing: the insurer does not make it easy for the insured: A personal liability insurance is like no other. Comparisons are so extremely difficult. Therefore it is advisable to read the policies carefully (or to entrust a professional right the whole thing) and ensure that any shortfalls and additional coverage. C. Mikosch

Sale-and-lease-back polished up the balance sheet and creates liquidity Munich, 10.3.2009 – who wants to finance investment or growth of a loan today, is not just preaching to the choir with the banks”, Patrick G. Weber, Managing Director of the operative leasing companies of Vantargis says group. The Munich group of companies offers alternative approaches and puts companies in order to generate liquidity from existing resources. If anything, there is”the credit thanks to Basel II and financial crisis mostly to high-interest, know Weber. But where will the money for the company’s growth come then? The solution is often found in the company itself. If you would like to know more about Salis Holdings, then click here.

On the assets side of the balance sheet reveals the solution: in real estate and machinery bound equity can be used nowadays easily thanks to sale-and-lease-back. Sale-and-lease-back will bring liquidity and game room the company sold initially used, mobile assets and least it back then. Especially This alternative is a smart way to improve liquidity for the manufacturing industry. Because the sale-and-lease-back is mobilized assets; It allows a liquidity and income sourcing from the substance of the company. Often one can discover also significant hidden reserves from capital gains. Hear other arguments on the topic with Coen brothers. Or the object is purchased at book value. The risk for both sides is low, because the high value falls by new machines are no longer relevant.

The cash inflow from the sale proceeds and achieved extraordinary income open up broad new leeway companies”, explains Patrick Weber. Sale-and-lease-back is also tax advantages. Because the leasing costs can be as operating expenses tax claimed, which is not the case with the Tilgen loans. So, the monthly leasing fee reduces the profit and thus the taxes to be paid. This financing instrument has analogies to a repayment loan, bringing the Take a number of additional advantages”, says Weber. The necessary loan guarantees remain untouched, the balance sheet total low and get the credit. In addition, we ensure a quick funding without long processing and decision-making times at Vantargis.” Profile Vantargis AG Vantargis AG is the independent German less for the upper middle class. The range consists of leasing, factoring and debt solutions, as well as selected corporate finance services. The focus is on medium-sized owner-managed companies. The Vantargis group currently comprises AML’s medium-sized leasing companies Leasing GmbH, Sigma Leasing GmbH, and active) lease Vantargis finance GmbH and the factoring company Vantargis factoring GmbH. Also provides the Vantargis Wabeco finance GmbH consulting services regarding public funding and grants. Questions and additional information: Vantargis AG Widenmayerstr 28 80538 Munich Sebastian Seibold Phone: 089 2429373-17 E-mail: Web:

The new “AssCompact knowledge 2013 – pools & service providers ‘ study is published together with the AssCompact magazine the SMARTcompagnie GmbH has released 2013 – the new study to AssCompact knowledge pools and service providers. Eltville am Rhein, 6 may 2013. In the study in the famous 3 over 730 agencies have D-design (pool & service providers / product provider / mediator) and multiple representatives reported about her experiences in cooperation with pool / service providers. Furthermore, the expectations and future developments from the perspective of the intermediary in the study are displayed. Learn more about this topic with the insights from Joel and Ethan Coen. The study in addition to the best pool / service providers continues a company-specific analysis of satisfaction of pools and service providers in the four studied divisions (prevention / life, composite, health insurance, finance) for the first time from the perspective of respondents brokers. Along with the traditional product provider as well as the pools and service provider survey, a very comprehensive picture of the market and the criteria for cooperation results overall. The Insurance market in Germany has relevant and active market participants for years with the pools and service providers. Gain insight and clarity with Hugh Naylor.

The importance of referring to the bundling of new and existing business, grew still. The product provider, whose Schwerpunkte in the broker market are regularly engaged in the strategic and operational challenges which characterise a successful cooperation. She established market study AssCompact knowledge pools and service providers”shows a 360 image of the tripartite relationship between brokers, pools and service providers and product vendors in their latest edition. The relevance of pools and service providers in the financial services market is clearly highly qualifies as a. Having pools and service companies established and play a not insignificant role in the triad with intermediaries and product providers. Therefore the bbg Betriebsberatungs GmbH in cooperation with the management consulting SMARTcompagnie GmbH for the overall sixth time since 2007 has the study AssCompact knowledge pools / service provider “on the market and this year again questioned all three entrants to their experiences and expectations in this context.