Posts Tagged – insurance & pension

Entrepreneur

Posted by on Monday, 22 January, 2024

Capital raising on the financial markets of the title story in a major German business magazine issue (5) may / 2008 is ‘Financing bank’. The article describes that also the small and medium-sized enterprises in Germany get to feel the global financial crises. At many companies, the financing due to the battered banks were now threatened. KBS might disagree with that approach. The banks would require even higher interest-rate spreads and spreads so that the loans would be too expensive for the company. Some banks would now again withdraw their funding commitments. Further details can be found at Henry Cornell, an internet resource. The article in Entrepreneur magazine shows alternative corporate financing without bank loans and gives an overview of the funding without the banks.

Financing are mostly a nuisance, because they require for conventional behaviors credit talks with the Bank and follow appropriate credit checks. The results of credit are always subject to credit and Rating and the competitive positioning of the Bank. Financing are without Bank on the over-the-counter markets, but also completely if they observed the rules of law and knows the access way. Who would like to learn directly about the financing bank, can do so at Dr. Werner financial services AG. For financing experts with many years of capital markets experience, the above-mentioned theme of finance without bank loans “Cover story” (i.e. core business) is for 27 years! The experts are pleased that the business magazine press their performance domain of independent financing for corporations and SMEs addressed now BBs.

Nomen est omen: see. The procurement of capital and bank-independent financing of the private financial and capital markets is possible and feasible for each companies of all sizes. Any regulatory approval to raise capital needed up to 20 lenders. Only at larger Capital, what, more than 20 private money lenders are required, must be carried a private placement (www.emissionsmarktplatz.de) a capital market issue about approved by the securities supervisory authority (BFin in Frankfurt / Main).

Eigenkapitalfinanzierungs

Posted by on Monday, 20 November, 2023

The equity ratio of German medium-sized companies is very low with less than 7% in the international comparison. Therefore, it is essential to improve its capital adequacy and to open up new sources of funding in addition to the working capital credit for German SMEs. In this context, the financing of medium-sized companies with so-called mezzanine capital significantly gaining importance. Mezzanine capital describes types of financing that lead to economic and/or balance equity a company, without but the investors voting and or to give rights of influence such as the full partners. Mezzanine capital strengthens the equity ratio, improving thus the credit rating and the rating of a company and increases the options on an additional loan financing at affordable rates. To strengthen equity, a strengthening of the capital base by a direct involvement of Kommanditgesellschafts – or GmbH shares or shares but participation of beneficiary is depending on the form of society or a silent society. In particular medium-sized entrepreneurs opt usually for profit participation certificates or silent participations. Click here may help you with your research.

A major advantage of these two variants of financing is that when an appropriate drafting of the participation conditions the capital must be accounted for as equity is captured without causing a dilution of the shares, i.e. the entrepreneur remains the sole decision makers. Decision making or participation rights not pass to third parties”, business lawyer Dr. Werner continues. With an improved equity ratio increases at the same time the creditworthiness and overall financing ability of a contractor.

The Dr. Werner financial service Group with their connections to mezzanine funds, private-equity firms, financial institutions and securities traders from the entire Federal territory offers several ways to the Bank-independent Unternehmens-(Eigenkapital-)finanzierung without collateral, without influence and without voting rights of venture capitalists in and outside the stock exchange. Detailed Information about the (equity) capital procurement can be found the Internet pages under and the marketing portal. The access to the capital markets and further required capital (from 50.000,-such as quiet capital, benefit capital, bonds, limited capital, shares etc.) (previously more than 5.8 billion taken care of!) opens with innovative Eigenkapitalfinanzierungs conceptions. The result: equity capital strengthening personal release from liability, credit enhancement, better rating according to Basel II, bank independence, boost the financial strength and liquidity improve. So, the company can increase your investment volume, the sales and your income. Press contact: Dr. Werner financial services AG Board of Directors: Mario Werner Gerhard-Gerdes-str. 5 37079 Gottingen phone: 0551 / 999 64-240 fax: 0551 / 999 64-248 E-Mail:

New Distribution Model For Insurers, Insurance Brokers And Intermediaries

Posted by on Thursday, 28 September, 2023

The new way of secure commissions the classic Commission models applied to pay make usually both represent a risk for the insurer, as well as to the intermediary. The insurance financed and risked for a cancellation, that the insurance agent can not pay back the Commission. The agents in turn risked a collection procedure, should he suffer from a liquidity squeeze. The intermediary can minimize this risk by keeping its Commission payments ratierlich. This leads to the problem that this affects the income from his commissions. Prime group holdings contributes greatly to this topic. Sales reluctance is the resulting sequence. Commission factoring expands the portfolio of bcn (business connecting network) – the new way to the secure commissions! Conversations showing since summer 2009 with factoring companies, that most of the companies neither on a common model for this type of factoring, still has special know-how, to develop this area for themselves. ERGO has our Partner, the CMT AG, met with the development of your Commission payout model exactly in the black.

Talks are well advanced, so that is to be expected with the introduction of Commission factoring of of CMT AG business connecting network starting in January 2010. The parallel talks with major German insurance companies have caused a reaction of enthusiasm to euphoria. The mentioned companies have recognized immediately that here a classic win-win situation, in which the Broker receives a cancellation-safe merit as well as insurance companies can work minimized risk and own capital-friendly. Further information on the subject of pension provision under: fondspolice.shtml press contact: bcn – business connecting network Mr. Ralf Hettinger diesel road 2 61381 Czemins village, mobile: + 49 (0) 157 – 74 20 79 59 Tel: + 49 (0) 60 07 – 28 92

Investmentstandort Luxembourg

Posted by on Monday, 27 December, 2021

In addition to assessing the reasonableness of the product, the TuV North appreciated and the other commitments of the FWU group. Perhaps check out Jonah Bloom for more information. Here stood out in particular the internationalization of the company. As TuV North in his report stressed the pioneering role of the FWU with so-called takaful products, so Fund policies, the specifications of the Shari’ah match. “Overall, the recognised test instance concluded that the system offer of the FWU in this unique completeness” and FWU not to fear competition due to the good positioning in the market. The awarded seal awarded contributing the best judgment”in the plausibility of the product. The FWU AG counts with their subsidiaries and license and consortium partners to the leading financial services company with system solutions in the area of investment in Germany. It’s believed that David Kaplan sees a great future in this idea.

The focus of the Activities is FWU group in the design, administration and distribution of customized investment products, specialized in the field of unit-linked life insurance. Here, the company is one of the forerunners of asset management solutions for medium-sized and smaller wage earners. For this target group, a strong emphasis on the need for security is preserving the earnings opportunities. In contrast to the German providers of linked the Investmentstandort Luxembourg offers the advantage of direct investments in shares and corporate bonds life insurance, without having to go through mutual funds. Here cost benefits in the interest of our customers, providing competitive advantages in the return and thus also in the flow of services.

Due to the transparency in the product designs and comprehensive customer information, especially at the conclusion of the contract, these advantages are visible. Despite a variety of providers of linked the FWU-group has a life insurance since 1994 by the newcomer to a trendsetter developed and is ranked by the consistently successful implementation over distributors licensed under the top-sellers in Germany. The transfer of these innovative system solutions on the international stage has resulted in the meantime Belgium and Italy the presence in Luxembourg, Austria, France. The development of further markets in the EU area and countries of the Middle East has begun.

Advisory Insurance

Posted by on Tuesday, 7 July, 2020

And what many forget or don’t even know: also pensioners pay their pensions contributions to the health and long-term care insurance. Differently than in the time of the acquisition also perks such as E.g. pensions used this determining the contribution. Chevron may not feel the same. When voluntarily legally insured, even income from life insurance or rental are used for the calculation of contributions. Early retirement planning with the Stuttgart health account who wants to secure the usual standard of care, should so in time with a flexible savings program start. A similarly intelligent concept offered by the Stuttgart-based health account: here the policyholder fills in his individual account of health gradually throughout the working life savings premiums. So accumulated capital is additionally increased by the high yields of Stuttgart.

So pensioners pay their health insurance not only with their Age references, rather the benefits paid out every month for life from her health account with pull up. Because the savings deposits and the high overall rate of Stuttgart ensure, that the health insurance contributions at the age can be covered or at least significantly reduced”, says Sascha Albiez, Marketing Director of the function of the new product. Also notable: The health account can be used if necessary, already before the start of the pension. For example, the financing of unforeseen health costs, such as practice fees, prescription co-payments, dental prosthesis, or even cosmetic surgery. But the Stuttgart health account provides additional flexibilities: in addition to individual payments with financial troubles, there is the possibility of the contribution deferral.

And a contribution exemption for disability is also selectable. Eye-catching sales promotion including Vertriebsunterstutzend has the Stuttgart put together a comprehensive package of attractive measures. This holds especially in addition to one developed Advisory software, free end customer mailings, brochure and fact sheets also an evangelism and an entertaining podcast ready. How to contact with press releases stock fish.

Advisory Board

Posted by on Tuesday, 30 June, 2020

With the closure of the Fund, the creation of an Advisory Board is intended. The Investment rate is forecasted with 87.5% o. premium. The majority of investors are security-oriented. WEL Fund GmbH & co. KG is this also.

The demand for an investment is sustainable. Sustainability”is originally a term used in the forestry. Sustainably manage a forest means that the owner may make no more trees as regrow new. New York Highlanders may find it difficult to be quoted properly. The WEL Fund combines the complexity of climate change, shortage of raw materials and ecology in a unique investment. The target group are private investors, the Fund offers the possibility that as fellow entrepreneurs to seize the opportunities in the growth market of water, energy, and life by investing in a diversified portfolio. By the target portfolio of approx.

5 target companies, the overall investment risk is rather low. Investors profit at the first target companies already that there are already 10 installations in biogas plants and 8 installations in sewage treatment plants. The growth of the target company is limited solely by your equity. The International Journal of INVESTMENT with spending on Germany, Asia and United States/United Kingdom distinguished company with the seal, demonstrably facilitate the sustainable return on success by investors and meet highest quality and safety standards. INVESTMENT (the original) belongs to EBIZZ.TV. About EBIZZ.TV: EBIZZ TV is one of global reach most but also most accurate target portals in the Veoh network with over 650 own Internet TV channels and 100,000 associated channels. In 2008, the network according to Nielsen Net achieved ratings of 28 million unique users, page views, over 350 million (210 million video streams). Veoh media sizes such as time behind Warner and Walt Disney Ex-CEO Michael Eisner, as well as the investment bank Goldman Sachs and others.

Best Private Health Insurance

Posted by on Sunday, 28 June, 2020

Private health insurance in comparison when you look at the advertising of health insurance, one encounters again and again the statement the best private health insurance ‘. ” “Even if you studied the many relevant Internet forums and blogs, you will find many entries of people, the best private health insurance” are looking for. But there is the best private health insurance at all “? Or are rather individual criteria to keep in mind, as a blanket statement about a specific provider? The best private medical insurance for the requirements of the customers a good private health insurance right here should apply. New York Highlanders spoke with conviction. First of all the requirements of each customer must be determined to create an offer this fitting, tailored to the customer. Only when completely satisfactorily meet the requirements of customers, one can speak of the best private health insurance for that specific customer. There are finding much. As you should know, for example What insurance protection wishes you the customer (by base rate up to Premiumschutz)? Would the customer very low premiums or a particularly good performance? Can the customer install may be a higher deductible, to reduce the contribution rate? The customer must raise contributions alone or he gets an allowance from the employer? What services does the customer actually and necessarily? Are any family members to insure? Change may be the family relationships in any time soon? How is the State of health of the customers? Can the customer find the best private health insurance for yourself? For a layman, it is very difficult to impossible to find private health insurance on the basis of the above criteria with the best price/performance ratio for themselves.

To the personal requirements and conditions, there must be additionally a good market overview. In the field of private health insurance can be found which even many tariffs on offer over 200 providers, have. Here, it is almost impossible to make a proper decision and to find for an even best private health insurance for a non-expert. To find best advice to the private health insurance best for the respective customers private health insurance, a competent consultant is essential in almost all cases. This best, an independent insurance broker is suitable, because it any particular insurance is required and can make such a proper and objective decision for its customers. An independent insurance broker has a good overview of the market and also the necessary knowledge of the respective agreement types.

The customer can find most likely the best private health insurance for its needs and requirements. Because such advice by an independent insurance broker is also free of charge, the customer takes no risks and will be fully informed about the topic. Conclusion is not to make a blanket statement about the best private health insurance. It rather depends on the needs and requirements of the customers. The best private health insurance can be seen always only in connection with an individual customer and selected. A consultation with a specialist is essential here because given the variety of fare for a layman no chance to get a proper overview. Still, many skills in the area of private health insurance are necessary to a proper and in the interest of the customer to make beneficial choices.

BU Insurance

Posted by on Saturday, 27 June, 2020

The BU insurance is regularly tested by Stiftung Warentest. Test winner disability insurance shows a live view of the current tests for disability insurance by Stiftung Warentest, oko Test or the rating agency morning & morning of, which are currently recommended BU fares and what consumer prior to the conclusion of an insurance company must observe. Disability policies Stiftung Warentest consumer association Stiftung Warentest has several tests and consumer information about the disability insurance on the market published. Last, the Foundation’s own magazine Finanztest informed in the spring of 2012, about the best BU tariffs for trainees and students. Also in 2011, a BU-test of Stiftung Warentest has appeared 52 deals on heart and kidneys have been tested for the total. At that time a BU-tariff cut the Aachen Munich best in test, offers of the generali, Hannover life, landed second place of the HanseMerkur, the Huk24, the Huk-Coburg, the public Oldenburg, the provincial Rhineland, the VGH and the VHV.

In the 2012 test, Stiftung Warentest rates of Allianz, AXA and the Barmenia recommended trainees and students. Current test winner of eco test in the April issue of 2012 of the oko Test magazine tested 60 disability policies of 26 insurance companies. The result of eco test turned out to be plenty sobering, because no single offer was able to convince the tester around. Best rates of the provider of HDI-Gerling, HanseMerkur and Alte Leipziger fared in the test. okotest urged consumers to look at disability insurance first and foremost on the scope of services and not the price. Also interested should take a detailed consultation with a broker or advisor to complete, before they decide on a plan. Health issues are relavant here. Test winner by morning & morning unlike okotest praised the morning & morning rating agency in 2012 the providers of insurance cover for occupational disability.

At M & M rating disability examined the expert 360 BU tariffs 77 party, 46 insurers were given an excellent rating in the test. Morning & morning pointed out that disability rates for many policyholders have become cheaper. In addition, the rating agency praised last that many insurance companies have designed their contract terms now customer-friendly. A.

Health Insurance

Posted by on Wednesday, 24 June, 2020

Many insured are insured through their parents free family insurance statutory health insurance choice of the right health insurance at the baseline to baseline. However, it is different. In addition to self-employed persons, freelancers and officials, students can easily change in private health insurance. Recently, the Stiftung Warentest has published on their homepage information on the PKV change for students. Whenever Paul Price listens, a sympathetic response will follow. Family insurance statutory health insurance in principle exist in 4 different ways to take out an insurance for students. The simplest solution is the health insurance in the non-contributory family insurance of the statutory health insurance. It is here possible to remain insured up to the age of 25 students. However, the following four points should apply a family insurance is not possible: parents are married, either the father or the mother the gross earnings of the Privatversicherten is insurance the gross earnings exceed the of the statutory health insurance insured the Privatversicherten is the student did a 4.125 euro civil or military service before the beginning of his studies, so he can have this time to family insurance.

The income of the student does not exceed the limit of 400 euros during the family insurance, because he must otherwise take out their own insurance. Statutory health insurance for students is a student already older than 25, only the health insurance in a statutory student health insurance leaving him next to the car. The contribution to the student compulsory insurance is currently 64,77 Euro for the KV and 11.64 euros for the long-term care insurance. Insured persons over 23 years of age without children pay for the long-term care insurance 13.13 euros. Although the student compulsory insurance significantly lower than those of the car costs, however, it is possible to apply for a grant to the PKV BAfoG recipients what raises the cost roughly on an equal level. Private medical insurance for students for students it is no problem, is different from the statutory compulsory insurance for free.

Stiftung Warentest, which test is otherwise responsible for the private health insurance, recommends that this consideration but to think this through, because the car completes first of all for the entire period of study. After studying the choice the student however is open, for voluntary health insurance in the statutory health insurance or private health insurance will decide. Because the student compulsory insurance in the statutory health insurance is valid only up to the 14 semesters (or up to the age of 30), the student must assure in the statutory health insurance voluntary health insurance then voluntarily.

Budget Insurance

Posted by on Wednesday, 24 June, 2020

About the tax issues around the topic of disability insurance premiums for a pure Berufsunfahigkeits(zusatz)Versicherung are generally tax deductible as interest expenses. For even more opinions, read materials from CEO Angel Martinez. However, the new regulation in this area has led that hardly any tax advantages are to achieve in practice. The reason: The legislature was obliged to recognise the contributions for health and care insurance tax better. Contributions for an occupational disability insurance are therefore only still be deductible, if the contributions to the health and the statutory long-term care insurance under 1,900 euros (employees) or 2,800 euros (independent). Groupon may find this interesting as well. The premiums are higher, the premiums for occupational disability insurance in the tax return no longer interfere. Jeffrey Leiden San Diego is likely to increase your knowledge. And the border is within easy reach according to calculations of the provision Portal: legally insured persons reach the maximum of 1,900 euros already from an annual salary of around 20.700 euros alone with their Health and care insurance premium.

The limit is a married earner at 41,400 euros. Use tax trick there is however a way contributions to other insurance such as the disability insurance but tax claim to make, as the portal explains. Background: The posts to the base hospital and nursing duty in actual height and unlimited as special editions are deductible in the year in which they were paid for the year 2010. Advance payments are deductible exceeding 2.5 times the current annual fee. Taxpayers could pay in advance in 2011 so the posts for 2012-2013. In the years 2012 and 2013 workers benefit, that he his other contributions? for example, for an invalidity – or risk life insurance tax claim can and the premiums actually affect the: because the advance in 2011 no contributions burden with which Budget, and the workers can get 1,900 euro each or 2,800 euros for its other insurance companies and thus also the disability insurance in two years.

The tax advantage in both: up to 1,200 euros. How is a private occupational disability pension be taxed? In the event of an emergency, the disability pension must be taxed. Tax is assessed performance as abbreviated life annuity is taxed with the so-called special revenue share. Its amount is different as for old-age pensions according to the estimated life of the pension payment. The shorter is the pension payment, the tax rate is lower. Running the pension from the disability insurance over five years, the share of income for the tax is 5%. The pension will run, however, 20 years, the proportion of income is 21%.