insurance & pension

Transparent Terms And Conditions

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Federal of insured warns several companies in insurance probably few understand in detail the condition works of their provider. According to the Confederation of the insured (BdV) customers are not responsible for this but first and foremost, rather the insurance conditions are often intransparent and awkwardly worded. As the financial portal reported, several insurance companies in the review are available for this reason. Particularly in the area of private insurance difficulties according to the insured person often occur. That is, for example, due to the unfavourable structure of insurance contracts, because they consist of two parts: the General conditions of insurance and the special conditions.

The consumer organization criticized, inter alia, that in the General insurance conditions certain exclusions appear, which are partially lifted in the special conditions. To find information about specific situations, is complicated. Who enters into a contract, so must be the read all fine print. After view of the Confederation of the insured is in this context a disadvantage of the typical average customer without any special security knowledge”before. Especially the fuel clause”regularly leads to ambiguities that require judicial decisions. The purpose of this clause is the exclusion of damages caused by the use of a motor vehicle and are therefore the insurance. What are the requirements in the specific case must be met so a use exists, is however not sufficiently clarified. Recently the Federal Government of insured urged off Alliance, R + V, as well as AXA companies such problematic clauses in private liability insurance.

Day Money Or Deposit?

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Find out about the opportunities that offer a day cash deposit or deposit whether investors choose money or deposit as a form of saving, depends first and foremost, how quickly they may again have the money. The day money account the sum can be lifted off at any time without loss of interest, thus, a flexible response to changes is possible. If the saver in the short term needs money, he has instant access to the account. A higher interest deposit account can be terminated but also extraordinarily, then the accrued interest will be lost but also minor charges. Availability versus interest – on a day money account a crediting is made for the investment period. Should get a saver during the period considered, that better yields are achieved with other plants, he can shift at any time his capital.

The alternative could be the fixed deposit account, but also bond or equity investments are considered. The money could be without Extra fees and periods of notice of the day money will be removed and re-established. The interest rate of the day money is lower than those of a fixed-term deposit account. He also adapts to market developments, can so rise or fall. At the deposit, the interest rate is generally higher than at the money of the day, also he will be enshrined for the agreed period. The disadvantage of lower availability is this advantage.

The interest rate on the deposit will only be granted when the money over the agreed period of time on the account breaks down. Thus, the benefits of the Festgeldes are the strength and higher interest rates, it is suitable for investors who want to apply a sum without interest rate fluctuations as high interest as possible. She may not are needed only during the investment period. Day money or deposit should ask not only for the alternative distribution of money – saver, rather a sensible splitting of plants is the drug of choice. Any amount that is not required in the longer term, suitable for a fixed deposit account. In fact, are there no other form of savings generated on a so safe way return. Although higher gains can be achieved on the stock market in part, these are always associated with risks. Since 2008, the stock markets have changed so very that reasonable predictions are hardly possible. A safe, high-yield plant is in fact just the deposit. German Government bonds are although similar to sure they pay off but well below the level of fixed-term deposits. Those sums are packaged on a day money account, you always want to have the. It is always cheaper, remunerated to create money, than just cash to be kept. Here, in reality, a loss caused by inflation. It is not the question whether federal funds or deposit is chosen, but the two forms of savings are used only in relation to each other.


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