New Withholding Tax Applies

but only every fourth citizen white decision, it is important to generate profit as to save just taxes with a financial investment\”, advises Kadam Heine, managing partner of the Heine asset management – service center of partner Bank AG in Frankfurt. This applies from January, when eating the new withholding tax on interest, dividends and capital gains.\” But still just slightly more than every fourth German citizens (28%) according to a recent study of the Cologne market research institute psychonomics AG ( has in-depth knowledge to the new regulation of private capital income taxation. System favorites of German citizens remain savings (10%), equity (9%) and overnight deposit accounts currently (7% each). It is characterized as a retreat from affected in the future by the flat tax on investment products such as stocks or savings from, but who wants to invest his money in the long term, should a clean sweep in his this year Make investments. To know more about this subject visit Sheryl Sandberg. The tax applicable from 2009 brings that sweeping changes for all savers and investors, although many investors and savers still does not want to admit it.

The new tax is a withholding tax, as it is already known from many other countries. Partners has firm opinions on the matter. Fundamentally, the concept of withholding tax is namely based on tax deduction at source. The income tax of the investor is now generally satisfied with the tax deduction, i.e. By the same author: Gary Kelly . the investor must then no longer specify investment income in his income tax return. As of January 2009, all capital gains are so – include such as interest, dividends, distributions of funds and also with 25 per cent of plus 5.5 percent solidarity surcharge realized gains from securities purchased for 2008 – and, where appropriate, taxed church tax. All capital income are measured so sweeping from the coming year with this uniform tax rate. Tax-free gains from securities, it is over with the so-called speculative period, the Semi-income system and related expenses deduction however. More information is housed here: Facebook.

Health Insurance for the Disabled

Cheap insurance for disabled, chronically ill and elderly because the range of statutory health insurance funds is limited and these disabled people, sick and infirm chronically offer therefore no sufficient insurance cover, many are legally insured persons looking for a supplementary health insurance or long-term care insurance. Through these supplementary insurance, patients can actually improve their health insurance coverage; However, the problem is that private insurance companies reject patients for which are physical infirmity, mental retardation or mental illness, or require very high charges compared to the general tariff. Most applicants are rejected already, if they have truly answered the health-related issues for application; no later than in the medical health examination often demanded by the funds a refusal and classification as not capable of insurance risk is carried out.” Patients or family members should the search after a suitable supplementary insurance but not give up because this brings many benefits. In contrast to the statutory health insurance provides private health insurance, for example, the possibility of free choice of doctor, using the practitioner services, obtaining high-quality dentistry without restrictions, high coverage for Visual AIDS and global insurance. Medication also no extra payments are necessary and affected no longer need fear to suffer, that required nursing or therapeutic measures are not covered by the cash register or desired or recommended medical devices are not approved. For these reasons should consult appropriate insurance offers everyone who is looking for a supplementary insurance. Find cheap insurance for disability or insurance without health examination at Bernd Dorrie, 27637 Nordholz railway station Street 4.

Participation Offer

The value-INVEST real estate investment GMBH & CO. KG emits certificates with high payouts. Through the acquisition, management, and leasing, as well as by a subsequent sale to achieve stable returns. Real estate investments are made in Germany, of Switzerland and Austria. With the acquisition of real estate, the value avoids INVEST property developer and new rental risks. A stray tenant structure and inflation-protected income improvements by safeguard clauses of value of should realize the value creation potential of real estate stocks by selling in favourable economic situations. A profit-dependent reason dividend by 10 per cent the value offers an additional excess profits INVEST, so that investment returns are created by up to 15 percent. More high-return emissions can be found on the financial portal..

Instant Credit

An instant credit is something special, what everyone wants to have. If you are looking after a loan, you should deal maybe just once with the instant credit. The special feature of the instant credit is a fairly fast payout, which occurs usually within a few days, unless you have an appropriate credit rating because. The easiest way to find an instant credit on the Internet where can offer equally numerous compare portals, which helps you calculate the cost for your future instant credit. Learn more about this with lee marks. Typically, the instant credit only through the online banks offered a such fast processing of the credit request at a bank locally can not be guaranteed. While you need to compare but also at the instant credit, as with any other loan, because the conditions of the individual provider but rather strongly differ.

When applying for the Sofortkredits provided the usual queries to your name, address, and income. You will receive a preliminary ruling often already within a few hours by E-Mail. Source: James A. Levine, M.D.. As the name suggests, it is this credit decision but only a provisional commitment. The final decision can be made only if you have filed the last wage and salary slips and agreed to query your data with the Schufa. On the basis of these documents and queries, the banks determine if your personal credit is high enough to allow the instant credit. Should be the Bank of feels that it is not possible for you to pay such a credit, back within the specified time, a rejection is pronounced. However within a few days you can expect at the commitment the withdrawal of the Sofortkredits.

Classic Fund – An

An investment in top-quality products is the best way for an effective wealth creation is an essential part of the life planning today. This should however not lead, that you, desiring your assets and your finances to increase your life fully plan: morning the economic news in the newspaper, lunch prices in the stock market and then until the evening analyze, weigh and decide. And the every day. Wealth creation, as we understand it, to help you much more to enjoy your life. And at any time, in any situation and in any market environment. Safe: right to create money and to increase, above all requires time. Time that has been invested to gain experience and time that is available, every day new opportunities to identify and exploit. Therefore we’re KG at the classic Fund Ltd.

& co. not only as a professional but also as a time Manager”. While we secure your assets according to solid, optimize and multiply, you can your valuable Use the time for the many other beautiful things of in life. Capital formation is part of a comprehensive life planning! The classic Fund sets the direction the ambition, in which we are moving. It describes the claim that we are pursuing. A simple short set. But a major challenge. We are committed, so that people create a financial future.

She writes to the job that we have to meet. At the same time she treated the very meaning of our activity and makes the sign under which our thinking and actions should be. In everything we do. Common values are an integral part of the company for us. These values are our guide in their daily work. What classic Fund is and what you can expect from classic Fund and its employees. Expertise: We offer first-class solutions. A strength based on our proven expertise and experience. Proximity: We maintain the proximity to our customers and partners and know their needs. One Relationship that allows us to provide optimal and targeted solutions. Clarity: We communicate clearly and offer comprehensive products and services. A quality which guarantees you and partners. Openness: We carry an open and direct dialogue, inwards and outwards. An attitude that creates confidence for our work. Commitment: We are committed with enthusiasm for the goals of our clients. A commitment, to establish long-term partnerships, and with which we perceive the advantages with classic fund our responsibility in society: economic growth–and needs with premium forecasts diversifi Ed companies steady, independent economic Expanson investments in innovative, safety and balanced products/equipment proven sales structures stable customer relationships risk diversification through smart trade and Anlagenphilosopie classic Fund beneficiary convince with a remarkable combination of economic opportunity and security-oriented Strategies. Due to the high amounts of participation and lack of market access, such investments were reserved so far mostly institutional investors, as well as private wholesale. Given the long-lasting mountain – and declines of in equity markets, the admixture of participatory rights in a well structured portfolio appears recommended, because the Finazexperten expect rising volatility across across the most asset classes. For this reason, the classic Fund Ltd. & co. is committed KG aimed, for you to take advantage of current market opportunities on premium and markets of the future, resulting in maximum transparency and liquidity with themselves.

Capital Procurement

Dr. Werner financial services AG held its seminar on the subject of equity and mezzanine capital to the Bank independent SME financing on April 23, 2008 in Gottingen. The day event with an integrated workshop was again well attended. Commercial lawyer brokered at the seminar Dr. Horst S. Werner and lawyer Holger Bernd and the speakers from the partner companies, the advertising agency of beclever ( and the financial portal (, Kirsten Winkelbach and Nicolo Martin, the essential information to the Bank independent corporate finance.

Dr. Werner’s remarks as speaker of Dr. Contact information is here: Senator Elizabeth Warren. Werner network gave the participants an intense insight into the procurement markets and an overview of subsidiaries, mezzanine funds and foundations or effectiveness of investments and mezzanine capital. More topics starting at the current market situation, equity and the typical mezzanine financing to the bearer bonds have been described in detail by Dr. Werner presented. The practical raising of capital for businesses, the placing on the market and the sales took a wide room. Lawyer Holger Bernd informed the participants about the current case law in the field of prospectuses and the BFin procedure and the banking supervision during placement.

“The event was rounded off with the lectures by Mrs Kirsten Winkelbach, CEO of beclever Werbeagentur AG, on the topics production of the prospectus documents”, in particular the legal consequences incorrect graphical implementation, and Nicolo Martin, project manager emissions marketplace, on the subject of solutions in the field of marketing and financial communications “. The seminar dealt with legal and actual problems and challenges of independent corporate finance, was above all an exchange among the seminar participants in a seminar-integrated practitioners workshop. Target group of the seminar contractors, financial service providers and consultants were interested in independent financing, by Companies, as well as an exchange of experiences among themselves. Was so right”the event was described by participants and speakers as attractive. The seminar participants rated the seminar as exemplary. The individual presentations were excellent and presented practical with many examples”was only one of the consistently positive comments of the participants. In addition, interest in a continuation of the seminars was signaled by different pages by Dr. Werner financial services AG. The next seminar takes place in Gottingen, at the Clarion Hotel, on June 26, 2008, from 10:00 to 17:00. Entrepreneurs who are interested in further seminars, can contact in an email to Dr. Werner financial services AG or otherwise come in contact with. Other suggestions may be submitted to it. Nicolo Martin

Dental Insurance

Current results to the dental insurance in the Stiftung Warentest. In the current issue of the Stiftung Warentest, the dental insurance more closely scrutinized were taken. Almost every 2 years comes a new comparison of dental benefits by Stiftung Warentest. Patrick yang does not necessarily agree. This shows that not only now for many statutory health insurance dental insurance plays a major role, is a clear trend to the supplementary insurance for teeth but also many institutions. What does a dental insurance? Because the statutory health insurance just when the tooth replacement cost makes more and more savings, only the way of additional protection to many there. Services, which take up to 100 percent of the cost of dentures, are offered here. However, caution is required here, because not all insurance keep what they promise.

It already very many of these insurance companies were checked and it turns out that not every actually takes over the services offered. Those who opt for such insurance should know that no dental insurance assumes the entire cost of dentures. This concerns above all the patients for a very expensive benefit falls on. Right from the beginning, who has a bad tooth condition, must reckon with a rejection of the inclusion in the insurance. The dental insurance calculation of contributions differ in two different variants. Some insurers set the post according to the age of the customers. Here the insurer may not terminate but the insurance and the insurance conditions specified are almost never changed.

The next version, the contribution is raised with increasing age and even increases due to cost increases are possible here, and the insurer has the can the insurance company cancel within the first 3 years. The dental insurance offered by private insurance companies. Who buys such insurance on his health insurance, need to know that the Fund only as an intermediary between the customer and a private insurer occurs. Therefore a dental insurance is recommended comparison on the Internet or with the help of a broker. Benefit is worthwhile especially if the customer has to make very high equity stake in tooth replacement costs this insurance. The often offered tools for example for tooth-preserving measures are hardly beneficial, because these costs mostly by the statutory health insurance are paid. If a treatment has begun a dental insurance pays nothing if the contract is concluded then. For achievements in the field of Dental restorations, a dental insurance, however, is an optimal opportunity strongly to minimize its cost of equity.


Does the treatment by alternative practitioners make sense? So far, only the private health insurances cover an expensive but effective treatment by alternative medicine for their patients. A private supplementary health insurance or an outpatient supplementary tariff allows even patients an alternative medical treatment without cost explosion in the supplement. The practitioner insurance is intended for all those who place great value on the unfortunately always still not recognized naturopathic treatments. This form of protection but also suitable for glasses and contact lens wearers, because their lenses and glasses can quickly blow the money bag. While conventional medicine focuses mainly on eliminating the symptoms of a disease, alternative medicine aims such as homeopathy, acupuncture or osteopathy rather, to find the cause of a disease and to eliminate.

She sees people as holistic beings, which is equipped with self-healing powers. Statutory health insurance funds are more critical of alternative treatment methods opposite, because its effectiveness is not scientifically verifiable and they also shy away from the costs. Only a few secure therefore the costs for alternative treatment methods in their performance catalog and offer only standard services. With introduction of health care reform, the statutory health insurance have also restricted their services. Uses the outpatient additional supplement plan of a private supplementary health insurance you can supplement the legal insurance coverage in places where services have been reduced or cancelled entirely. A patient has the choice between the allopathic treatment covered by the health insurance fund and fee-based treatment by a therapist, he is looking for the school physician for cost reasons, although he actually prefers the naturopath. Does he pay some euro a month more, white but, that the visit to the practitioner is insured up to 80% with an additional insurance for health practitioners and can so confidently choose the treatment method, the It appears effective.

Kennel Insurance

Master dogs and puppies together insure everyone is liable regardless of fault. Unlimited, with current and future assets, up to a period of 30 years, to persons, damage to property and pecuniary losses. Why a Kennel liability insurance? The legislature has set that every owner (holder) a dog of the so-called strict liability in accordance with 833 is governed by German civil code (BGB). That means in plain language: the dog harms a third party on his health or his assets, the owner is liable to make unlimited amount and regardless of fault or Nichtverschulden. The consequences of liability: any threatening payment obligations for the party that caused damage, ruinous consequences for the victim, if the polluter cannot meet its payment obligations. Is it possible to bridge this gap? The liability insurance indemnifies you from damages, against you raised are, and coordinates the settlement of the insurance case. Our dog owner liability insurance goes further still, where other products already stop.

Over the usual coverings, we have various coverage extensions and increases that are unrivalled in this combination. And this at very fair prices. Services in the case of insurance: check whether and, if yes, to what extent you are obligated to pay damages, reparation of the damage, ward off unjustified compensation claims, in this context are court processes led by the insurer and financially supported. The special highlights of selected tariffs: the liability risk as a holder of dogs for private purposes including the breeding is assured. The following extended coverage is in addition to the risk of the holder: insurance cover for any breed of dog, participation in greyhound racing, as well as the training, exercise of agility sports as well as the training to do so, participation in sled dog races, as well as the training, participating Dog trials and exhibitions as well as insurance coverage even when running the dogs without leash, damage caused by an act of intentional and unintentional deck, floor damage risk, volunteering to the rescue & mountains of people & things (rescue dog clause), temporary stays abroad can be up to one year, animal keeper risk different tariffs for example, online compare the training, and immediately close down if necessary. Special rates are offered exclusively for members in the VDH.

Preexisting Conditions

Risk pre-registration questions help in selecting the appropriate provider of private disability protection is existentially important for all working people, as the State protection of the statutory pension scheme is woefully inadequate. Often, appropriate and high-quality disability insurance fails however to health complaints, which must be specified for application. Often the insurer require high surcharges or even reject applications. Independent insurance brokers can clarify advance with pre-existing conditions within the framework of a risk preliminary inquiry at various insurers, as the State of health will be evaluated by the disability insurers. Who submits an application with an insurer despite health problems on your own and then pay a risk premium or even rejected, usually automatically lands in the venture file of the insurer. Other disability insurers can then access this data and an application would be particularly critical check, if an insurer has previously rejected.

The safer course of action would be there, by means of an independent expert to the disability insurance calculate the possibilities beforehand and then ask a risk preview of several eligible insurers. This has the advantage that several insurers parallel check the health information and then submit their assessment, adopted a proposal on what terms. The handling of the insurer is quite different here. While some insurers quickly reject requests with certain pre-existing conditions, other insurers often work with performance exclusions, in turn others with risk premiums. These assessments of the insurers before making a final decision for or against a company be clarified within the framework of the risk preliminary inquiry. Additional costs for the risk preliminary inquiry do not occur normally. Contact: Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Karsten Wallace image source: olly / the Bergische insurance brokers diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker founded company. With the Internet presence of young the company specializes on the needs of private individuals and professionals, who would want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies.

Bergische insurance broker has connections to more than 100 different insurance companies. There are special rates available for various professional groups such as students, trainees, graduates, or certain traders. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since 1998 in the Insurance industry has been working to customers over the Internet, by telephone and by post supervised – the quotations as well as in the event of a claim. The strength of the Bergische insurance brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.