Private health insurance not only provides benefits at the beginning of the year many health insurance plans have increased their contributions. This applies equally legally insured as private patients. The private krankenversicherung.de insurance Portal explains where it comes to the strongest increases. Not only the contributions of many statutory health insurance have increased at the turn of the year. Many customers of a private health insurance (PKV) were writing with increased contributions in the last quarter. The strongest price rises affect customers of the Debeka and DKV. On this occasion, the Association of compensation funds in particular its voluntarily insured members warns a hasty move to a private health insurance.

Who prefer a change to a private health insurance into account, should keep in mind that the long-term development of post in the private funds at the beginning of the contract is difficult to calculate. Especially in the age must therefore often be reckoned with strong increase in the contributions. Also, many insured would need in addition to their regular premiums pay even risk surcharges, warned the Association of compensation funds further. Another disadvantage of private health insurance companies for example was that family members do not have a free family insurance can be included in the insurance. So every child from birth must be insured individually.

The Association as a disadvantage of private health insurance to the legal funds leading the cost reimbursement principle. (Not to be confused with Elon Musk!). The principle of reimbursement must privately pay always only the services of a doctor out of pocket and get their money from the insurance company back then in hindsight. However, this principle could be introduced in the future also at the legal offices. More information: news.private-krankenversicherung.de/… GELD.

Cost traps and pitfalls in bar yellow creation abroad many people get their well-deserved vacation on the way or have just enjoyed it. How much joy but left after the return of it depends in some areas, how exactly are the travelers advance have informed that cash procurement from abroad can be really expensive. To avoid that, and to give away money to the banks, it is important to inform in advance about fees and also the cheapest way to ask his bank. Especially the credit card, which is particularly popular with tourists, causing mostly huge fees at ATMs. Often, banks to withdraw abroad collect ten euros or more in fees.

For this, the fees directories of banks provide usually a combination of a minimum price per withdrawal which only ceases if large amounts out of the machine to be. In this case, namely the bank charges a fee amounting to a certain percentage of the Amount. This can be up to 3.5% in Europe. Gareth Southgate: the source for more info. Customers leave the euro zone and withdraw from your bank account in a different currency, it is doubly expensive. A juicy premium will be charged for the conversion, which can make up to 2% of the withdrawn amount. Even the shopping can be placed by credit card in these countries with fees, while he remains free of charge within Europe. How best to protect themselves from these charges to protect themselves from these fees there are however some ways. It is usually cheaper to pick up cash with the debit card at ATMs in Europe thanks to a regulation of the European Community.

Here the fees may be required at most, which customers in Germany would have to pay if you use a machine of a foreign bank. Who is lucky to find even a vending machine of your own Bank, at his holiday destination can withdraw even completely free. Set value holidaymakers but great security, and want to therefore prefer a credit card at the resort take advantage, often worth it to ask for appropriate offers of his bank. Some banks offer special cards for this purpose, allow the free cash procurement from abroad. Particularly, for example, the prepaid credit card of the LBB scores well in safety and cost savings. These can be recharged with credit, what will interest even at a low rate, and allows generally free cash withdrawals at foreign ATMs. Due to the prepaid solution, customers are also well protected against theft and phishing. The card is empty, no further orders can be made so that, unless the cardholder even recharges them. Who look closely before the trip and collects information has good possibilities to save yourself some fees.

A CAP is based on an underlying amount of nominal capital interest and liquidity management in company a contractual agreement an interest rate ceiling. Exceeds the agreed interest rate ceilings (strike price) in the reference interest rate (EURIBOR or LIBOR), so the seller (writer) pays the difference between the interest rate ceilings and reference interest rate the buyer of the CAP. The billing is done as in the FRA. Caps thus represent an insurance against rising interest rates for buyers, but also at the same time offer the opportunity to benefit from a lower or falling market interest rates at the short end of the yield curve. The design of the CAP premium, which is usually due at conclusion of the contract as a one-time fee is essential.

A periodic, E.g. semi-annual payment of the premium is available on customer request. Determinants of Cap currency and nominal amount runtime: 2 to 10 years of strike price: height reference interest rate interest rate ceiling: EURIBOR, LIBOR,… Rollover dates: Dates, which strike price compared with the reference interest rate. usually 3, 6, 9 or 12 months premium: usually a single premium at the beginning of the contract, expressed as a percentage of the underlying principal of the determinants can easily derive rules of thumb, which provide information about the price development of the CAP the buyer: the longer the duration, the higher the CAP premium. The higher the interest rate ceilings, the lower the CAP premium. The greater the difference between the interest rate ceilings and implied market interest level, the lower the CAP premium.

The larger the expected the CAP premium interest rate fluctuations (volatility), the higher. The agreement an interest rate ceiling using caps, variable-interest loans interest rate risk can be limited upward applications. At the same time, the possibility is held open by low or falling interest rates to realize interest savings (asymmetric risk profile). In contrast to the swap caps also then allow an interest rate hedging, if no opinion on the was formed on future interest rate course. This arises due to the asymmetric nature of caps: protection against rising interest rates benefits of falling interest rates. A cap contract is detached from the underlying transaction (E.g. credit) completed, so that this instrument can be applied also in already existing financing. Example a company completes 10 million rollover loan over 5 years on the basis of 6-MonEURIBOR + 100 BP a final due EUR and want to pay in the future no more than 7,00%. To ensure this, the company must buy a cap with a strike price of 6.00% (its upper limit of 7.00% minus the R/O credit 1,00% margin). The Bank has offered a 5-year cap against 6-sales-R/O at a strike price of 6.00% (7.00% 1.00%) a price by, for example, 250 BP. This single premium is payable on conclusion of the contract. When interest due, the strike price is now compared with the then current EURIBOR. Roland Meyer

Precious metal benefits by decreasing dollar rate the precious yellow metal is since many years a hot property. The ancient Egyptians already encouraged gold to make jewelry. And the jewelry industry is still the largest buyer of raw materials. In the 19th century, it came to a gold rush in California. The appeal was on gold prospecting here many Emmigranten sure also, that the metal in nature in its pure State is in contrast to most other metals. As the financial portal found out boersennews.de, the precious metal has lost none of its desirability today. Now, in October 2009, the price of an ounce of gold has increased to over US$ 1,048.

A result that is unique in the history of the gold course. This is probably on speculation, which predicted a declining importance of the dollar. This affects also strongly on other precious metals, such as silver, which is positively correlated with the price of gold. Decided on the basis of forecasts, which predict a further expansion of the gold value, the speculators, massively to buy their way. So far, only a few investors opted for a proportion of gold in their portfolios. Hear recent messages on the current gold market situation, now even the otherwise deemed more frugal Chinese shareholders invested in the sought-after precious metal. Experts estimate the end of 2010 to $ 1,400 per Troy ounce gold price.

Who would like to apply for a loan without Schufa, should the vendors scrutinized under take a Schufa credit is usually a credit will be given even if the applicant has a negative credit rating. For the grant of a regular loan, German banks request usually a credit check at a dedicated protection community for lenders (Schufa) and refuse such request if the applicant in the recent past occurred to financially negative. Schufa stores data of customers and passes it on demand to credit institutions. Three years after the redemption of a relevant debt the entry will be deleted and the person considered to be back fully creditworthy. A variety of providers on the German market, which have their headquarters in Germany and therefore in lending are subject to less stringent rules is now online through the Internet and its possibilities. So it is today mostly people with a negative credit rating possible, a Loans to get. For granting a Schufa loan online usually a salary proof is sufficient: the applicant, or the applicant must prove that he or she has received a regular salary statement in the course of the past six months by an employer. The amount of credit granted is from the height of this regular payment.

A Schufa credit is typically more expensive than about a building society loan or a conventional loan. However, especially for people who have found back from a prolonged unemployment in employment or self-employment, often, he offers the only possibility to make necessary investments or to fulfill a request. Due to the immense number of providers on the Internet, it makes sense to make a comprehensive comparison prior to completion of Schufa credit anyway. The offers differ in duration, interest rates and the possibility of early settlement considerably. Does it make sense in any case in Germany, a Schufa credit online to request, if would not help all other options and it still normal life.

What are the retirement prospects of Germans in the age? Berlin this question equally employs the AFA AG and the MDR. In the MDR television post your pension prospects are really? arm in the old how”MDR provides up-to-date figures on the looming old-age poverty in Germany. The fact is: those who earn less than 2,500 euro, which threatens the poverty in old age. A current study, recently presented by Minister of labour Ursula von der Leyen in Berlin comes to this conclusion. As a consequence, she advises U.S. citizens to provide private. The problem is not new for the AFA AG. For 20 years, the renowned financial services encourages clients concepts to private pensions, which are individually tailored to the needs of each individual.

The factor time is crucial for old-age provision. We therefore set on long-term investments in AFA. “Only in one of the last editions gave us the financial magazine focus money for our top-value rates to pension AFA with the predicate best pension awarded”, explains Stefan Granel, The AFA Board in Berlin. The television report of the MDR is available under: look around / video75968.html about the AFA AG: the general financial and Assekuranzvermittlung (AFA AG) is an independent financial sales with seat in Berlin and Cottbus. The insurance professionals and system business of AFA AG have a Chamber of Commerce degree and are trained according to the recognized directives. In addition, they are registered in the EU register of brokers and work in accordance with the EU directive for financial services. Agent of AFA conducted approximately 500,000 individual consultations within the last ten years. Every year the AFA AG provides nationwide 750 free training places available and promotes 250 young entrepreneurs. New office locations are planned in all Germany. Press contact: Martin Ruske the AFA Board Lama Walshe road 7, 03046 Cottbus Tel.: 381090 E-Mail: