Free expert advice on the subject of insurance and funds whether life, pensions, Riester or Rurup know insurance, most consumers the cost of your pension products do not. This, in addition to profitability, in particular the product cost significantly affect the amount of pension to be expected in the age or capital payments. The Wirtschftsmagazin capital came in his studies of the costs of financial products in the year 2008 the following surprising result “The usual costs for banks, insurance companies, asset managers and other service providers, amounting to about 3% lead, that at an average return of 8% for a term of thirty years by around 50% lower gives results.” In other words, most consumers give half of the resulting capital performance to the product provider insurance and fund using unsuitable and overpriced especially pensions. How to reach, for example, for detailed consideration of the actual cost incurred by a commercially available private unit-linked Pension insurance slightly in amazement. An insurance contract with 150,-Euro caused monthly fee and a contract term of 30 years with an adopted 6% performance of the Fund investment of euro 8.500,-sales, acquisition and costs. There are also over 23.800,-euro fund investment costs, which hit at the Fund level to beech.

More so than 32.400,-euro, which flow to the uninsured but the insurance for contract creation, contract management and fund management. Cost check by the honorary consultant – so get rid of unnecessary product cost In the cost check both classical private – as well as operationally guided life, pensions, Riester -, and Rurup are approved insurance in detail by qualified honorary consultant. In addition, also cost structures of unit-linked insurance products and actively managed funds are analyzed. “Through our cost check consumers can an image of insurance companies, funds and savings plans make quality and the cost of your pension quickly and objectively. An independent assessment, which is created for every interested parties, is safer, is right and makes sense and made.”as Dipl.

kfm. Matthias Kokot, honorary consultant and Managing Director of Kokot financial planning. The result is a clearly worded analysis in the form of a financial cost opinion. This makes both all product cost: commissions, conclusion, and administrative charges, costs, ongoing capital investment costs transparent. There is also a concrete recommendation how existing contract costs can be reduced. “Our cost check is worth. In nine out of ten cases it manages to reduce US 50% of the contract cost. The optimization recommendations of our Honorary advisers increases the contract expiration in maintaining equal monthly insurance premiums by up to 40%.

The online loan offers in the Internet are booming – for good reasons after a favorable credit most any online credit in the Internet end up looking. There are solid reasons for this: the credit comparison ensures transparency of the offerings, the lowest lending rates are quickly found and the credit can be applied for online. This saves money, especially time. An online loan is analogous to the classical credit, usually culminating in a bank. This form of credit application thereof as well as of the conclusion of the contract takes place online, you can do the entire application and processing so comfortably from your home PC. In contrast to the classic loans, which is often made at the respective Bank, the only source of information that the provider can obtain online loans via the partner, the information by scoring is agencies such as, for example, the Schufa. After their scoring then often set the interest rates and deciding on the approval or rejection of the credit application.

Many providers of a largely automated system of processing, so that the application and granting of the loan very fast runs and a positive or negative notice have such loans usually on the same day the application was made, will be sent. There are a number of sites that specialize in the comparison of online credit providers on the Internet. Here you can easily get an overview of the various providers after input of the desired credit amount and the term of the loan. A comparison you should make sure however that many providers specify no fixed interest rates, but only interest-rate spreads. Get rarely the lowest interest rate values, for example when the Schufa even with positive scoring, normally one should assume, that one obtains a value of interest from the middle or the bottom. This system will be used by banks to lure customers, often originally expected despite a higher rate of interest than they, at the respective provider of online credit. One should be careful with comparison sites and note especially variable interest rates, because the provider awarded interest worse of course in most cases for the customer. Online provider but are a great way to quickly and easily to take a loan, because it runs the application and permit easy access through an automated online system that gives you feedback after a short time. Can March

Still, until November suppliers compare end each year in November the motor insurer with its advertising customers roll over. Suddenly, all seemingly offer the cheapest and best price. The finance portal geld.de explains what insurance comparison auto owner should pay attention. As the comparison of car insurance has shown in 40 German cities, is a large regional disparities within the policies. Unfortunately, few have the possibility to choose between various residences. The rates of around 80 insurers differ particularly in three nationally valid points. It is wild accidents, negligence and the so-called Mallorca cover”. In accidents involving animals are only damage caused by hair wild in many cases”covered.

This is limited to deer, wild boar, and the like. Often, accidents happen but by large birds, which is why customers should protect themselves against collisions with animals of all kinds. Nor is it your own Negligence to be underestimated. A red light is quickly run over in a hurry. In such situations the driver provoked accidents through gross negligence”, as it says in the official German. Many insurance companies cover this too. Finally it is useful specifically for travelers, for insurance with so-called Mallorca cover “to keep an eye out.

Since car rental companies South – and Eastern Europe often not sufficiently even insure their vehicles in the popular destinations, tourists often sit on the cost. Insurance tariffs, which cover the risk of an accident with car rental offer optimum protection. Because the needs are different, a comparison of the individual motor insurer’s worth. Until the end of November, car owners have the chance to change. Journalists can download for 40 German cities to the car insurance comparison tables: redaktionsdienst.html contact: Lisa Neumann University first media GmbH barefoot streets 12 04109 Leipzig Tel: + 49/341/49288-240 fax: + 49/341/49288-59