Tag: money

Despite the current economic crisis, traders should pay attention to your insurance. Also here is high savings potential. Even if sales in the hospitality industry are decreasing in the last few months insurance experts recommend restaurateurs not to terminate the important insurance of operation. Because what helps save costs at first glance can be even to the existential threat in the event of an emergency. It’s especially in tougher economic times. The last few months were not easy for the German gastronomy. According to figures from the Federal Statistical Office (Destatis), the hospitality industry suffered partly bitter losses in sales already in the first five months of the year. Although the food compared to the accommodation sector with a decline of real 5.5 percent, not seasonally adjusted, compared came away well, but this result not attracted high spirits sure. If one or the other restaurateur now his operation embarks on the search for the potential savings, it’s certainly not reprehensible. But insurance experts warn here too quick decisions in the insurance, even if the saving upon termination of some insurance policies at first glance may seem tempting. On the contrary, the specialists advise even to check the insurance protection especially in difficult economic times and if necessary supplement. Because damage can be right now other than at peak times without insurance protection to the serious threat to the existence of. Therefore your tip: think not only retirement savings, the public liability or a non-life insurance, which covers, for example, risks such as fire or water damage. As damages of this kind usually accompanied by a period of renovation, also a business interruption insurance is recommended. She can hedge the loss of earnings and the cost for personnel for temporary closure. To tap savings potentials in the business insurance, the insurance must not be terminated. A good alternative is here, for example, with a comparison Business interruption insurance to find opportunities for cost reductions.

In 2011, the FDP wants to rebuild the social long-term care insurance together with the CDU/CSU and thus future-proof make. Minister Rosler wants to rebuild the social long-term care insurance and has proclaimed the year 2011 as the year of care for this purpose. The renewed conversion of long-term care insurance is urgently needed, because recent studies show that cost pressures will continue to increase. 2010 already 2.2 million people from a long-term care were affected, to display current projected that in the year 2020 more than 3.4 million people will refer to a performance from the social long-term care insurance. Also to bear these higher costs, you need either dramatically increase the premiums or react with benefit cuts. For assistance, try visiting Peter Asaro. Both is not really sexy. Therefore, the FDP by a new reform of care would like to introduce a fully-funded care insurance. And is currently about to make tasty these supplementary insurance many people in Germany discussed whether you not also a in the case of the maintenance support analog the Riester model can create. Because the Riester pension has become a true success story with more than 14 million contracts. And therefore the policy hopes that a similar-sized contract number on the market can be placed also in the case of care through the promotion of supplementary insurance. Since this would firstly to relieve the legal funds and reduce financial risk by family members on the other. Because currently family members need to compensate a financial gap, if exceed the cost of maintaining the services of the legal system while the social costs of this in the first step, the funds reviewed himself then but by the family. Although there are limits, but usually much then no longer remains money, if you have to shoot out of his own pocket. So the one or other holiday do then, to shoulder the cost of the care. Alone for this reason, the introduction of a funded care insurance is generally useful. How the model should look out, should be spelled out even in the course of the year 2011. so an introduction for the year 2012 is possible.

Improved protection against seizure of account the account which MasterCard Premium global was In July 2009 has already published the law to reform the protection of account seizure in the Federal Law Gazette. Only one year later on July 1, 2010, these new rules enter into force and clears the way for the so-called P account seizure protection. Is already sure: the account of the global MasterCard Premium can be done in the future than P account. As a special variant of the German prepaid credit cards the Schwabische Bank AG in cooperation with DynamicDrive GmbH & Co.KG offers the MasterCard global in three different types. Especially the premium version stands out because it contains an account function which ensures participation in payment transactions. A Schufa-query, nor a record is necessary for the approval of opening an account. Meanwhile, it is sure that the giro account global MasterCard also can be done from 1 July 2010 as P account. So, account holder information in future improved protection against account garnishments. A base amount of currently 985,15 euro per month is therefore seizure free. Under certain conditions, which include, for example, maintenance obligations of the debtor, this basic attachment protection is increasing. For this, the debtor has to submit a corresponding proof by a competent authority or person (E.g. Family Fund, employer, social service providers, etc.) with the credit institution but. Also, an unused attachment-free amount a month is transferred to the next month. The seizure-free amount applies without judicial decisions and for each account holder. It should be noted that only a P account may be completed per person. In the context of the parent but the user can easily perform all possible payments of rent through member contributions up to various other invoice items. Both prospects and existing customers globally, MasterCard Premium can be the ability to lead their already schufafreies account as P account, sure. Press contact: Dynamicdrive GmbH & Co. KG Mr. Olaf Kerner of Konigsbrucker str. 28 01099 Dresden Tel.: 0351 3747293 email: about the DynamicDrive GmbH & co. KG the Agency was DynamicDrive 2004 by Dipl.-ing. Olaf Kerner in Dresden, Germany founded. The field of activity covers since then innovative solutions in the online marketing field from among those particularly context-sensitive advertising networks such as Google AdWords. Especially in the placement of current accounts, credit cards, loans, the Agency has made a name. In 2006, followed by the transformation of the legal form of a GmbH & co. KG, also the start of an own portal Division coincided with the.