Tag: insurance & pension

Debt Advice, But How?

Is possible to pull itself from the mire of debt the “cappuccino”method shows you how. More and more households fall into the debt trap. If this has piqued your curiosity, check out Paul Daversa. No wonder no one has shown us how properly to deal with money, or how to get back out of the debt. Debt can make a life really difficult. It starts very slowly but gradually the Schuldenkarusell rotates faster and faster and faster until you pass out.

The cappuccino method shows you how to get out there again. The public debt counselling are hopelessly overcrowded. There are the next dates perhaps only in 8 months. Many debtors are however already ruined by then. The only way is that to take control back in the hands and to travel around. To pull himself out of the swamp of debt is however easier said than done.

There are usually so many problems that you don’t know where to begin. The following steps can be already very helpful: step 1 of the debtor must themselves make clear in what situation he is. The eyes to close and hope that everything will be good, doesn’t usually. So the first step is the problems to recognize and open your eyes. Step 2 now about the full extent of the find. What exactly are the debt. Who do I owe how much and when. First should all documents be sorted roughly, E.g. by creditor name or scope of the debts. The screening is followed by date and so on. Finally, all data is collected in a table. Step 3 flow how much revenue each month on the account. The assets are there and how much they are worth. Step 4 now revenue be made the debt owed to the expenditure and assets. Step 5 where can be saved and where extra money can be earned. Step 6 How would now the financial situation develop. Talks with creditors about the Tildung and the interest rate or the detection of additional income sources are equally in demand. Step 7 change the attitude to money or spend the money are now as well as compliance with the pre-established plan. These steps to implement real is not easy. A really good help to do this, see the cappuccino method. Here, these steps are really detailed, understandable, and simply written. This method not only in discussions, but also as an EBook is offered for some time. More information: author: Uwe Maurer

Internet Brokers

The article shows is how important brokers standpoint to have competent point of contact for the product providers in crucial situations. The unique expectations of the mediator is to meet on technically sound personnel at the companies”. The mediators seek contact mainly via E-Mail to their agency supervisor. Viacom follows long-standing procedures to achieve this success. But also the phone call and personal conversation are regarded as very important communication routes. Modern ways of communication like SMS, Facebook, XING or WhatsApp play hardly any role in the communication with the Agency supervisor.

“For the future, the real estate agents have an accurate idea of what requirements your broker supervisors should meet: the top criterion is, that he is authorised to decide”. “” In second place, the good and thorough market overview is “followed by the sharing of best ideas”. With just the latter aspect truncates in assessing brokers comparatively weak and is satisfactory with the touch of an average”rated. There are good starting points of the improvements offered the product providers. “Numerous and interesting new insights can the answers to theses such as for example local vs.

centralized care” or Division specialist vs. allround coach “be won. Best is broker service in the study also read, which product providers the intermediary needs in best cut when it comes to broker support, have voted the intermediary in the fields of life, health and property damage/HUK. The current darlings of the brokers with more than 6,000 entries have named the facilitator in the context of the investigation also their favorites in the examined 29 product lines. In part some favorites of brokers”in the area of pensions. Riester pension number 1: DWS (1) seat 2: public welfare (2) Bundesplatz 3: Alliance (3) Rurup pension 1st place: Alliance (1) seat 2: public welfare (2) Bundesplatz 3: DWS (3) fot place 1: Alliance (1) seat 2: public welfare (2) Bundesplatz 3: old Leipzig (7) seat 3: Swiss life (3) British LV 1st: Canada life (1) seat 2: standard life (2) seat 3: Friends Provident (3) about the study the AssCompact trend study III / 2013 includes around 150 pages. Represented the results of a nationwide survey of brokers and multiple representatives that are in the period of the 27.06.2013 has been performed with 16.07.2013. The study was published on 02 September 2013 and can be obtained via the Internet. This study contact: Christopher Kahl Phone: + 49 (0) 6123-974-82-64. E-Mail: about SMARTcompagnie GmbH SMARTcompagnie offers management consulting, market research and practice-oriented training of the highest quality and with maximum benefit for customers. Founded in 2005, owner-managed company is rooted in the financial services industry and sees itself as a neutral and independent service providers. The focus is the sales and product management of insurance and financial services. Added value for which belongs to the self-understanding of society, Customers through the successful implementation of the strategies to create. The expertise of SMARTcompagnie results from many years of experience (since 1985) in sales and management in the insurance and banking industry.

Dental Insurance Companies Are Again More Expensive

The same procedure as every year…der price dance begins in the autumn every year the Swiss insurance of CSS, which this year indicates a modest increase of around 7% in the dental plan after the insured of the CSS had to endure a strong increase by about 30% in the last year started early this time. Now, even the Barmenia announces a boost with your fare ZG +. While the prices for children up to the age of 35 years are fixed, the contribution for men aged 36 to 11%, for women to ca 10% increases. It doesn’t help, the insurance later this year, to avoid the price increase of the increase meets existing and new contracts. The gang is significantly more expensive from next year to the dentist. Details can be found by clicking Pete Cashmore or emailing the administrator. A corresponding change to the fee schedule for dentists (GOZ) was endorsed by the Federal Cabinet. The amendment provides for an increase of the honorary volume by around six percent, said the Ministry of health.

I.e. the insurance but also to higher Pay amounts. So not only patients without dental insurance must dress warm you need to pay higher amounts at the dentist for dentures, dental insurance companies will make to their costs, and that, in turn, means higher contributions,. The CSS and the Barmenia will be so not the only dental insurance which will raise their contributions to the 1.1. Switching is worth only if you have healthy teeth and nothing is applied, but also because it means well select, and there is not a guarantee that the selected insurance companies will raise soon also.