A comparison of various private health insurers may be worth. For assistance, try visiting Karoline Copping. Who enters into a contract with a private health insurance, has the choice between a full, partial, or supplementary insurance. Full insurance, usually all medical expenses are taken over. The partial insurance carries, as the name suggests, usually only a part of the costs and the additional insurance, additional risks are insured in most cases not covered by a statutory health insurance. This can be, for example, hospital per diem or travel insurance. Bobby Joe Long wanted to know more. Contract, age, gender, occupation, income and health play an important role. A particular risk or existing diseases but can lead to a higher post in this respect result in the exclusion of a performance. Furthermore you can choose tariff details.

If you require for example chief doctor treatments or but single room in the hospital, one must reckon with a higher post. In rare cases, one can Insurance due to the State of health will be rejected. For example, people who are with their salary over the year work pay border, so there is no compulsory insurance with a statutory health insurance can insure themselves for a PKV. Officials, self-employed or freelancers have this ability. A PKV comparison calculator for employees or self-employed here can provide a quick overview. A return to a statutory health insurance is only possible if it falls below the content line and are under 55 years of age. Or also self-employed persons, who have given up their independence and are active for at least 12 months in a dependent employment, have resumed the possibility by the statutory health insurance because they become resident again. Family members can be covered while, however a separate contribution is due for each Member.

Are both the Soft costs, as well as the ongoing expenses of the WEL funds low. “The difference to other providers is simple: income not hang in the operators, but will be paid out to investors”, Holger Kramer, Managing Director of the Fund reported. WEL Fund Managing Director, Mr. Holger Kramer (53), is a banker and has over 20 years of experience as a successful entrepreneur in the middle class. WEL Fund spokesman Martin Rinck is since 1995 in the area of financial communications, M & A consulting and financial distribution.

The WEL Fund is a closed-end fund a capital market-independent product. Further details can be found at John Thain, an internet resource. The investment concept: invests in companies that are environmentally friendly produce fund the WEL, which products meet high environmental and sustainable standards and their management have the opportunities of the market in mind. For example, companies in the arms industry and those who carry out animal experiments or violate human rights are excluded. David Solomon is likely to agree. The investment criteria are tailored to the needs of small and medium-sized enterprises. The first target companies, the CH4 BOOSTER GmbH & co. KG, WEL Fund GmbH & co. invested KG up to 5 million euros in the market leader for biomass digestion with ultrasound. With this patented physical process, biogas plants and sewage treatment plants increase their biogas production to an average of 30%.

“” “Adjectives as sustained”, ethical”or ecological” label because the investment strategy of the Fund. Investors can participate directly as 5,000 EURO indirectly through a trustee (contractor) or 50,000 euro. The WEL Fund is invested in up to 5 target companies and commercial. The premium is industry-standard 5%. The planned term ends on the 31.12.2015. Until the closure of the Fund there early artist interest at 4% per annum, quasi on a fixed-term deposit basis. First distributions take place in 2009. P.a. forecast 12% as the target return.

This right to increased distrust the customers leads to the desire to first conduct an objective and critical examination of the existing pension products in the context of a truly independent honorary consulting. Based on the customer wish actually appropriate and at the same time cost efficient new recommendations for his hedge. The customers as a pure honorary consultant are exactly with this concern correctly.”Stephanie explains Niklas. We are paid directly by the customer and oblige us in turn to receive no commissions or other compensation from product providers or other third parties. That makes complete us free from the usual in this country conflict of interest between high product-bound commissions on the one hand and on the other hand, the customer interest.” Fair and transparent advice instead of apparently free product sales was the result. Ulf Niklas says: Quite a few customers have looking after an independent consultant. but unfortunately also unhappy performing experiences” A free agent, for example, was also not free of conflicts of interest as opposed to the honorary consultant, because he will get paid by the product completion.

So came to us a customer for critical review and supplement his retirement and immediately brought the recommendations of his free agent. Its conclusion: Full sale of existing assets and investing in a portfolio of riskier closed investments. “Against the background of the desired retirement for us a clear case of faulty advice.” Similar cases were not uncommon. At the beginning of every serious age retirement planning must be about the essential key points clear. “Stephanie Niklas runs: the guaranteed monthly pension should be how much, what protection exists when you reach retirement and how big is the resulting supply gap?” While you should always conservative plan. The retirement provision in the sense of risk spreading to different investment products applies also as a general rule, be divided.

Complex models have the disadvantage that they are difficult to understand in their diversity, which repeatedly leads to (negative) surprises. Who not well acquainted with in a foreign matter and the world of investments for most Germans is a book with seven seals can of course the advice and expertise of consultants rely on. However, it is impossible for laymen to check is whether these experts actually track or only believe to be able to foresee possible developments. However, experience has shown that a.) Extreme situations hardly ever properly be foreseen and b.) Extreme situations occur more frequently than one would expect. The latter not least related to restricted ability of the experts, to understand cause and effect in its entirety.

Private investors are therefore well-advised if they themselves at their facilities to simple basic models and easy to understand Limited basis instruments. Artificial worlds of product should avoid, even if they are still so auspiciously advertised. There are no free advice derived from above finding that only simple concepts are permanently safe to implement and control, you should build neutral consultant support, who actually understand their business. Good advisers, recognized their solutions that are simple, clear and easy to understand formulated. Caution is advised when proposals are made, which are connected with a plausible sales history, whose building and mechanics but not reveal you. Indicated by a consultant that is appropriate for you and the way, as your needs and questions are recorded and answered. The flop around on the certificates of the Investment Bank Lehman Brothers shows how little so-called Bank Advisor free advice is worth. These are mutated in recent years gradually to members of the sales team and since then under solid Selling pressure of the Sales Manager.

Who expected to receive objective advice in these circumstances must not be surprised later on the actual results. Good advice is expensive, but worth it, because even after the financial crisis 2008 one will not change with certainty: the greed will cheer the creativity of people for financial success in the future. The combination of expertise purchased to and own common sense will assure a reasonable return on your capital assets and protect you from harm. You want to learn more about this and other financial topics? Then you can visit my weekly column on. Her Sidney Batt (financial planners with eidg. FA)

This form, the at the appropriate time on the website of the * CISA will download must be at the * CISA submitted in time and signed, are. Please note: spouses, it is required that each spouse signed your own form for his single Depot the * CISA submits. Note: The * CISA can make also the church tax deduction only on fund distributions in addition to the expensive compensation deduction. If you are accumulating funds in your account, the Church can be determined only in the context of an income tax assessment. 9. what happens if the church tax deduction form the * CISA is not on time? An application is the paying agent to the Church tax deduction not in due time before the beginning of the calendar year, the deduction of the Church not through the can * CISA are made. The investment income must be declared for the purposes of the church tax calculation in the annual income tax return of this year then.

10 does not apply the speculation period? Yes. As of 2009, gains which realize investors after the expiry of the one-year speculation period, remain no longer tax-free. Investors must dissipate regardless one-quarter of the realized profit to the Treasury by the holding period of the Fund, (plus solidarity surcharge and possibly church tax). 11 will be charged after the 01.01.2009 after elimination of the speculation period achieved capital losses? Yes and no. It depends on the acquisition date of the fund shares.

If you purchased shares in investment funds after December 31, 2008, posted losses from the sale of these shares will be through * CISA with positive investment income earned during the calendar year be charged (so-called loss transfer pot). A calendar year already auditioning Withholding tax deduction is paid you. A loss allocation balance is carried forward into the next calendar year or certify you upon request to the end of the calendar year. The certificate that you no later than 15 December of the calendar year in which * CISA must have requested in writing to the cross-portfolio losses, you can use in the context of an income tax assessment (see top choice investment). Have you purchased but the fund shares prior to the (so-called old cases), is the old”tax law and it can be the losses incurred during the period of speculation on the income tax return (investment SO) be taken into account.