Prepaid MasterCard

Cost management of the future – with the B2BCard of Stuttgart, January 2010 – in the world of business is today mainly one – the efficiency. Nobody can afford more, wasting time or money. Work processes are optimized, minimizing costs. According to these requirements the Schwabische Bank in Stuttgart, the B2BCard has launched a more Prepaid MasterCard on the market. Available in the versions standard and premium. Perhaps check out Sandra Day O’Connor for more information. You will put companies in a position to handle all transactions around cost management of faster, more effective and more transparent. This applies in particular to companies where staff are much on travel. They have the corporate card in the luggage, the accounting can instantly online on – reload and later matched with the submitted documents.

The payment system is tied up 32 million acceptance points and 1.4 million ATMs worldwide and gives the staff mobility and comfort. Thanks to prepaid function, i.e. the cards are charged previously with maximum 10.000,-euro, must not worry the company that an employee the Covers corporate account or makes irrational expenditure. So the prepaid can be used with credit card safely every employee. Transparency and cost control by the B2BCard company have the opportunity better to keep the expenses of their employees and to achieve significant cost reductions.

The advantage is clear: all expenditure on the B2BCard incorporated into management reports created individually for each company. The travel management system provides a maximum of flexibility and security on business trips as well as high transparency and cost control for the company the employee\”, so Dr. Peter Schonweitz of the petFuel GmbH. The company cards denominated in the company, either an employee name in the second row can be printed on. This guarantees a very flexible, unbounded possibilities. Also receives a separate account number each card for the purpose of the best possible control of costs and the card can be recharged only about the company.

Fire Damage

When to pay partial and fully comprehensive insurance for some time confronted Berlin with a series of arson attacks on cars. For the affected vehicle owners the question of who pays for the damage after the first shock naturally arises, finally it comes to significant amounts of money. As the financial portal geld.de reported victims in such situations will benefit from a comprehensive insurance. Night for night, cars burn in Berlin. While it is not true only Nobel bodies, also older models and family cars are destroyed by vandalism.

Who has only an insurance to cover the liability, usually must bear the loss. Neil Cole has similar goals. Otherwise it looks with a comprehensive insurance. It engages in General for damage, destruction or loss of the vehicle. A partial cover insurance takes over fire damage completely, apart from the agreed deductible. This includes cases in which vehicles were burned by a fire in the vicinity. The bad news: The Partial cover insurance will not pay for damages as a result of vandalism. Only a fully comprehensive insurance will help in such situations.

Usually all fixed objects, such as integrated radio systems are insured. The CDW does not take over the cost of loose devices (mobile phones, navigation devices, cameras, clothing) however. More information: blog.geld.de/… GELD.de GmbH Lisa Neumann

Compare Dental Insurance – Worth It!

What is important when choosing a good dental insurance many people place great value on a well-groomed appearance and beautiful teeth. The benefits of the statutory health insurance be reduced more and more also in the field of Dental restorations. The less it is surprising that more and more people consider the a good dental insurance into consideration. However, in Germany, there are about 50 different health insurance companies providing various tariff combinations in turn approximately 2-3. This makes it not just easier here to keep track the average consumer, the whole thing looks like a real Versicherungsdschungel”. The post differences are immense as a 30-year woman for a supplementary insurance pays roughly between 5 and 30 euros monthly. Clearly, it is natural that insurance never even remotely can provide the services for 5 euro like insurance for 20 or 30 euros.

At such low-cost offerings”the services generally focus on the simple and appropriate cash supply (the so-called primary care”). For the really high-quality dental supplies (E.g. implants, ceramic inlays or similar), such tariffs provide mostly no or at best very weak performance. Therefore, it is rather discouraged by such bait advertising. For one, you should make sure that a good dental insurance for high-quality dental supplies provides at least 50%, because just when these restorations (such as implants, inlays) the services of the statutory health insurance percentage very low drop (approximately 10-20%).

On the other hand, you must pay attention to the details, because many insurance companies limit their services E.g. for ceramic veneers in the molar region, or does not provide for a necessary (very expensive) bone reconstruction with implants. Also additional services such as prophylaxis or dental treatment can play a role for the individual. Additional information at Neil Cole supports this article. Who for example one or two times in the year by a dentist to perform a professional tooth cleaning, is normally well advised, if he chooses an insurance, which also includes the. It may be worth. What many don’t know: also for the field of dental treatment, the Fund benefits be reduced further to include E.g. plastic fillings, root, or Parodontalbehandlungen. For an ordinary plastic filling, for example, a private supplement i.H. of approx. 100-150 euro per tooth is usually due. Root treatments applied only by the statutory health insurance, if it is a users teeth and if the treatment’s chances of success are good to assess; otherwise, a rescue attempt for the damaged tooth must be paid entirely out of his own pocket. Prospects for a dental insurance should be completed on in any case adequately compare and advice can be, for example in the online comparison portal. At dental insurance worth normally, to invest a bit more money and not the cheapest offer to choose the services are ultimately crucial.

Open Resource Catalog

Statutory and private health insurance offer completely different hedging in any consultancy to the private health insurance (PKV) should go to the question of the reimbursement of AIDS. These are perhaps not necessarily every year, if they are needed, so there are a number of costly specimens of the species “Tools”. First, it should be clear how the legal supply. For insured persons in the statutory health insurance (GKV) a so-called list of AIDS does exist. This is available on the websites of the top Association of GKVen to download. People such as Howard Schultz would likely agree. You will find the current list of AIDS of the statutory health insurance here. The leading associations of sickness funds and the umbrella organisations of the maintenance funds to create a resource and a care resource directory specifications in accordance with legal.

These directories list of its obligation of included auxiliary and nursing AIDS (cf. 128 SGB V and section 78 SGV XI). Tony Parker is often quoted as being for or against this. And what care is now in the private health insurance? First of all is a very big difference to hold. The supply of AIDS in terms of the tariff is regulated in private health insurance. Each insurer creates different rules in each of its tariffs.

While these are solely applicable and is sloppy to say: just what is there referred to as, is also insured. Not more and not less. You may find that Eva Andersson-Dubin can contribute to your knowledge. This is to distinguish between so-called open auxiliary catalogues of means of and closed lists. In an open formulation of the following could be written: expenses for the purchase, the replacement and repair will be replaced by medically necessary tools which are prescribed by a doctor or naturopath. Here no fixed AIDS are called as opposed to a closed catalogue. Here the medical progress is taken into account, thus assured. Here you sure that no restrictions such as “simple version” or the like exist. This may make the advantages of an open catalog to niece. In a closed catalogue including the following found Statements: Tools are glasses, contact lenses, hearing aids, speech devices, supporting apparatus, orthotics and shoes, bandages, trusses, elastic stockings and prostheses prescribed against defacing and crippling, wheelchairs. Tools are finally here. What is not so called, is also (in the future) are uninsured. It also colorful brochures don’t care and the like. You could read it in my contributions to the aid guarantee impressive already. In addition, there are still companies which use in principle closed catalogues in your rates, but enhance them through open formulations. This could for example as follows: Moreover, life-sustaining AIDS are basically refundable, if the life-sustaining function can be ensured by any here called AIDS. Generally, especially in closed catalogues: no absolute amounts should be mentioned here. With a formulation of “Wheelchairs up to 620 EUR” you are today already poorly served, because the amount is not enough. But what are 620 EUR still worth in x years? What if the electric wheelchair is now 10,000 euros instead of 620 EUR? But here goes: alone a good catalogue of AIDS is not appropriate / good fare. Pay attention therefore to your personal requirements and talk in detail with your advisor.

Mannheim Tel Loans

Interest information of the Combi models reflect the actual cost. (Source: George Laughlin). Mannheim, may 27, 2008 – that building societies with supposedly favorable interest rates will lure customers, is known. “Jorg Sahr by the magazine” “: the combined model goes away like hotcakes, although it often more burden on the account of the Home Builder as a normal bank loan.” Through the combination of a sub out loans and a contractor produced artificial curls interest appears unrivaled. Get all the facts and insights with George Laughlin, another great source of information. Due to the complex design fees and costs be concealed and not openly communicates the customer. Even for a skilled person is difficult to calculate the whole construction, how should the Home Builder to cope? SAHR has in calculated on the basis of a sample, that the actual percentage rate is 5.74%, although the interest for the Sub out loans at 4.52% and the interest rate for the building society loan at 3.97%. Long term annuity loans are usually better.

The building societies try using unfair means to survive, providing a Duty should be total effective interest rate”Alexandre Janicki, Managing Director of the special mortgage. Information about special mortgages special mortgages as first independent financial service providers in Germany for specialized mortgage lending offers new solutions for those who do not fit into the standard selection grid of banks (E.g. full financing, customers with negative Schufa entries, self-employed, rentiers, etc.) Press contact: Special mortgages GmbH Alexandre Janicki, Managing Director of Dynamo str. 13 68165 Mannheim Tel.: 0621 438 55 302 fax: 0621 438 55 555 E-mail: Internet: postal address: special mortgages P.o. box 81 01 24 68201 Mannheim

Residential Riester

The Riester pension has prevailed with approximately 12.5 concluded contracts in all its variants as the product on the retirement pensions market. The Riester pension becomes the Renner: after details of the financial industry in Germany approximately 12.5 million old age pension contracts maintained, that match the criteria of the Riester. The huge response is likely due to the increased awareness in the population of the need for a private supplementary pension. The Riester pension is designed to complement the services of the statutory pension insurance and establishes incentives that go since the introduction of the residential Riester also in the area of construction of own real estate investments through grants and tax benefits. Riester contracts can be completed by anyone who is employed or basically pension resident. Who pays four percent of its social insurance contributions gross income (maximum 2100 euros) per year in the contract, thus gain full entitlement to the allowance.

These consist of the basic allowance in Height of 154 Euro annually, as well as the allowance of 185 euros a year. Who is younger than 25 years at the conclusion of the contract, receives once more 200 euros. The deposits can be claimed up to 2100 euros (net of allowances) as special income tax. Riester contracts can both based on a Banksparplan and an investment fund. In the latter version the repayment must ensure however on the part of the provider, where the contract is concluded, at least the paid amounts to the end of the term. This in the past has already led to problems: to ensure the capital guarantee, insurance companies and banks of Riester contracts in the wake of the market crash coated to 2008/2009 from equities into bonds.

The thus realized losses are now significantly lower yield expectations. The payout phase of Riester contract can be done with the age of 60. Maximum 30 percent of the contract balance available at retirement can as unique Lump-sum settlement be paid out, the police in the form of a lifelong monthly pension pays the rest. An advantage that private pension insurance is legally guaranteed seizure protection Riester-rente over: The contract credit flow at a possible insolvency of the contract owner not in the insolvency assets with a, but are preserved. The same applies if during the accumulation phase an application for ALG II.

Flop DAX Widget

Free tools in the form of widgets and RSS feeds are now available on the GOYAX financial portal, showing current financial information such as stock quotes and news. Hanover, 08 July 2008 the GOYAX finance portal offers a wide range of current financial information on the Web page. Using the free tools that are freely available on GOYAX now can show Web pages and Blogbetreiber up-to-date financial information on their Web pages. Widgets the GOYAX widgets contain financial information in the form of quoted market prices and news. Currently there are 11 different widgets to choose from that are configurable to the part. The indexes of Germany widget and the international indexes Widget display, for example, the current price and the percentage change of selected indexes. The same applies for the top Flop DAX Widget and the top flop TecDAX widget.

The five winners and losers with corresponding course information and the percentage change are shown here. Offering the widgets is limited not only to shares. So are also widgets ready, show the rate information provided by funds, currencies and commodities. To deepen your understanding Ruben Mendoza is the source. That represents an individually compiled price list price list widget with up to 15 values (such as shares, funds, indexes or Forex) can be selected and displayed. Each of the widgets is a simple implementation in WordPress, blogger, TypePad, iGoogle or your own website designed. RSS feeds GOYAX offers currently two RSS feeds, which you can use to show the information provided on other Web sites. The RSS feeds are suitable also for use in RSS readers.

Latest news from the financial sector contained in the news feed. And the blog feed informed of facts relating to the financial portal GOYAX us news. The widgets and RSS feeds are in the section tools (www.goyax.de/ tools.html) to find. About the digital finance GmbH: The digital finance GmbH was founded in mid-2007. The company is located in Hannover, Germany. Digital finance is for the operation, the technical development and marketing by GOYAX responsible.