As You

Goodbye dispo! smava.de helps avoid usury new study of the Stiftung Warentest: German banks demand too high dispo interest smava action interest rate of 2.99 per cent ideal solution for debt restructuring to the dispo is already a quarter of smava loan projects Berlin serves the rescheduling, 17.09.2010 in their current study the Stiftung Warentest released a shocking picture: who overstays his or her account and takes a credit claim, will be punished financially with a lot at high interest rates. And with a European interest rate of only 1 percent of (ECB). Even more evident: the time is ripe for a smart alternative to the credit. But what can do bank customers who overdraw their account? smava.de recommends a 3-steps strategy: who slips in the disposition, always try to restore the funds. For this, mostly changes in consumer behavior are necessary. If this is not possible, customers of a bank draft should reflect. As the Stiftung Warentest’s study shows, offers the market large game rooms.

The debt restructuring is offered as a third way. Who wants to replace his dispo, takes on online credit marketplace as smava.de good conditions that are more favourable than the disposition of loans. This price-conscious and smart consumers will benefit from the favorable interest rate action at smava.de. Germany’s largest online credit Marketplace offers all new customers a uniform effective interest rate of 2.99 per cent until October 15, 2010. So is the ECB smava far below the Standard Bank conditions and only about two percent higher than the interest rate. With a maximum loan amount of 2,500 euros for a period of 36 months, the smava offer is specifically tailored to the needs of planning Ablosern.

Each client can the smava loan calculator on + Kreditrechner.html calculate, smava is as cheap as compared to the expensive overdraft. The smava interest of action is the ideal way for all bank customers who want to balance your account in no time. smava.de offers unbeatable conditions and is a fair partner on the way from the expensive dispo”, explains Alexander Artope, co-founder and Managing Director of smava.de. Smava.de is Germany’s leading online marketplace for cheap loans lending promoted with over 35 million euros. A quarter of credit projects serve the debt restructuring. In addition to fair credit conditions, offers a high level of transparency and security. Already for the third time in a row, the Stiftung Warentest has smava therefore positively assessed. The provider smava the concept is true”, urteilten the financial professionals (last 11/2009). Smava, smava.de is Germany’s largest credit exchange and offers an online platform where they can make money directly to each other for borrowers and investors. smava is get the smart alternative to banks, because they share the common banking interest margin and better conditions for borrowers and investors. Borrowers benefit from low interest rates and the possibility to settle their credit at any time free of charge. Investors benefit from a higher rate of return than interest in other forms of investment. In addition, investors receive a social rate of return, since they determine when smava itself, what projects they support. The smava GmbH is a German company headquartered in Berlin, which was started by an experienced management from the financial and Internet area. More information at or. Press contact: Zucker.Kommunikation team smava Tel: 030/247 587-0 fax: 030 / 247 587-77

Support Contributions

With the separate BU insurance (SBU) Nuremberg students and young professionals, but also other groups already with contributions from 1 euro per day can protect themselves. The risk of workers from all professions should hedge against today occupational disability. As evidenced by a recent study, about every fourth regular retirement will no longer be in the course of life capable of, to practice the learned profession. The health impacts such as a traffic accident or a serious illness significant come economic consequences: the State full disability pension is only 30-34 percent of gross income on average, this is equivalent to a pension of only 722 euros on average in a month. To receive a high standard of living even in the case of disability, disability insurance (BUV) should be completed in a timely manner.

Basically, Nuremberg advises citizens to do so as early as possible against the risk of disability, to ensure best during studying or teaching, or at the latest to the professional entrance. Young people receive usually no benefits from the disability pension when of a disability, because it is linked to conditions such as 36 months of paid contributions (in the last five years). You are assigned to a private screening in a special way. Nevertheless, an early decision for an occupational disability insurance worth mainly because of favourable conditions, that apply to a young person. Who buys no diseases or other health impact against the occupational disability, pays usually significantly low rates. With the separate BU insurance (SBU) Nuremberg students and young professionals, but also other groups already with contributions from 1 euro per day can protect themselves. Another advantage: The SBU can be combined with other insurance of Nuremberg for example with the daily sickness allowance insurance or the SchnellHilfe, which in the case of severe Support makes diseases. More information on the subject of disability are available under:

The Child Of 2012 Is Becoming Increasingly Important

It is not known to many, but this year there is child support. Now 2012 apply for your child! You can tell that everyone in Germany receives child benefit has brought here a little baby in the world. The tax money from the citizens are intended to relieve the families more effectively and improve the regular income. The guardian can be confident that 2012 month based get a kind of promotion as a result of the child support at a fixed time for the primary care of the child. Indeed, it is so tremendously important, because one Yes financially can make his child over the month. Man does not live only by love alone happen.

Child benefit is paid here in principle by us for our babies from the day of birth until the age of 18 years. Must be but also a request for it. Incidentally, it is also possible that the child benefit for children living abroad in the EEA will be paid. Dr. Caldwell B. Esselstyn, Jr. will undoubtedly add to your understanding. To the child in an EEA country must live. Extensive statements on the subject You receive child benefit at your local family Fund and on Litia.de. How do I get child benefit 2012? Manipulating the child for 2012 is in and of itself very easily. Usually, it is not even necessary to locate specific information in the personal folders. The questionnaire “KG1” is used in the processing of the child support for 2012.

It is a questionnaire for the next-born child, almost exclusively the application of “KG1k” is required. Basically only General asks for information, such as, for example, the first name, the last name, gender and date of birth, nationality, marital status and, if also announced the info of the spouse. If you then edit the documents on child support for 2012, it is indeed also very relevant that you write up with whether you work for the country. It serves the State, the employer for the machining of the child for 2012 is responsible. Before you then the documents signed and sent, you should always be careful also that the account has been specified correctly. As well is make sure that you choose the exact family Fund with the help of the local directory of family funds to shipping. Whatever the original birth certificate must be included with the child support request for 2012. Duplicates may not be recognized by the family Fund. For this reason, it is also advisable to send all data via registered letter. A good overview is important, therefore all birth certificates listed on this site, that are important: birth certificate for child-raising allowance child allowance certificate birth certificate for religious purposes of health insurance certificate it is incidentally, significant that in any case all, both parents and guardians sign the application form for child benefit. The guardians are single, will be cut off for example also the term spouse on the application and written Papa or Mama. Moreover, respective employers are responsible among people in the o.D.. The ordinary Authority for the child support 2012 is not responsible for this. You will get more information as close in the civil service by his personal authority.

Physical Precious Metals At Discount Prices

EXAFINANZ DRESDEN enables a cost advantage of up to 8 percent cost advantage of up to 8 per cent compared to private investors-single purchase which has established financial services company in Dresden the focus of his work on the teaching and the sale to investment gold and made a name for themselves in the course of its existence as a result. Differently than at comparable bullion dealers the price from purchase price plus buyers premium (stamping costs, Sales Commission) is calculated here., but similar to a futures by fixing at the low rate in gleichchzeitiger protection of so-called put options. This can insure the company EXAFINANZ DRESDEN GbR against price fluctuations and secure a discount price to the customer. Dr. Caldwell B. Esselstyn, Jr. recognizes the significance of this. This model can be only thus realize that customers have to accept a delivery time of 20 working days. For most of them it doesn’t matter but under the aspect of a secure custody. Hedge liquidity risk through buy-back guarantee we mean”, as Henry H. At Somatic Experiencing you will find additional information. Predehl, Managing Director of the Financial services provider that we entered into this business model closely to the wishes of investors after a favourable and secure investment opportunity in physical precious metals. With the possibility to sell the precious metals at the company EXAFINANZ DRESDEN GbR, we guarantee the customer in the event of a liquidity squeeze due to the lingering economic crisis. the loss of your precious metals to the buying rate of the day”. To deepen your understanding Anu Saad is the source.

Capital Insurance

Sale and termination of insurance: How Willroth/Berlin / Nurnberg come to your right and your money: purely statistically, every German of the infant pays 800 euro in capital insurance up to the old man per year. The capital insurance include also private pension insurance, training, dowry -, death benefit, asset-building life insurance. By the same author: abbott laboratories. In total, the insurers manage (95,000,000) contracts of the Germans over 95 million. Reason enough to bring light into the darkness of the insurance world for WORLD Consult Net. The warranty currently guarantee interest is said to investors by 2.25%. Dr. Hyun Kim may not feel the same. If you now feed a calculator and time, the runtime with 2.25% extrapolate your savings contribution, you will get a surprise. For example, consider a 35-year monthly laying 100 euro for the next 30 years. According to financial mathematical result, 51.348 euro should appear at the end on his account.

But his police know a much smaller value. This will vary widely depending on the insurer. Reach an average the policies a guaranteed flow value of 38,500 euros. But where to stay the remaining 12.848 euro? Clear answer, with the insurer. It calculated its savers hard costs. Of the acquisition costs (commissions for the broker) up to the cost of the risk (if a death insurance is included) the insurance industry considers a range of costs deductible. Now, we’re also the puzzle solution closer. Indeed, there is only the part of the investment amount which remains after deduction of all costs, with a guaranteed interest rate interest rate.

About the exact height of the costs the companies remain silent so far. A change in the law to bring more enlightenment from 2008. It should be interesting how insurers will implement this. Back to financial mathematics. We have set off once again, and our savers has reached only a real interest rate of 0.44% in average. Or in other words, he needs to be working its savings share of 12.8 years to come only on its provided investment amount.

Dental Care

Screening start in infants in the dental practice. Parents know it from experience. You can not even early start enough with the screening for the newborn. How it looks but with the dental health of the babies? When is a child ready for a checkup at the dentist? In some provinces, there are even special children tooth passes for dental plans. The key dates for our young have three cornerstones of orientation: approximately in the 6-8 months of age, with the breakthrough of the 1.Milchzahne, then again in a 16-18 month, when the first milk molars to erupt and then again in the 30th month. Around this time, the milk teeth should be complete. Benefits see the dentist in the early pre-accession of in infancy at a dental practice in the fearless physician-patient relationship can be built up, and in the important enlightenment of the parents about targeted oral hygiene.

The first permanent teeth come in the course of the 6 years of the child’s life Molars at the end of the row of milk teeth. Cleaning should be well monitored by the guardian that in the pits, fissures, called in the jargon, tooth decay can occur quickly. Here is the professional in the dental practice. As soon as the occlusal surface of the tooth is broken through, they can be treated with fluoride varnish. After a complete breakthrough, the dentist sealed the fissures with a special varnish. This reduces the risk of tooth decay and is completely pain-free for the little patients, up on a rather intense flavor. The complete dentition with all permanent teeth is achieved with approx.

12 years. At this time, many children are already in orthodontic treatment. In the meantime, there are many ways to treat malocclusions. As often in the child’s teeth first, not all teeth well have square in the jaw, working here with fixed braces and brackets glued-on. Within 1-2 years of treatment the orthodontist by such treatment can misalignment of the easily fix. However, the specific and thorough care again considered scale. The teeth are important, and also the niche between the glued brackets are difficult to clean. Here should be also worked with special brushes and dental floss. The dental practice offers also some amenities about the legal services. To include the almost colorless brackets, which are hardly eye-popping, combined with easy and painless arches also quarterly dental cleaning. So much convenience comes at a price. So that you at first go in the dental health of your offspring to number, tooth supplementary insurance for orthodontic treatment is recommended at an early stage. Marco Kraus