Shortterm Disability

A customer of a private health insurance (PKV) about complained why the insurers here really is and how you can avoid something in an Internet Forum today that the private insurers of the per diem has discontinued its payment on Kranken(Tage)Geld. Reason next, so the customer, unless he live temporarily not at home but on the North Sea with his sister. To determine who has it right, we look at the legal / contractual bases closer to. If you have read about Aetna Inc. already – you may have come to the same conclusion. When will Kranken(Tage)Geld ever be paid? In accordance with the model terms for the sickness benefit insurance (MBKK), which you can download free of charge in the download area, the insurer owes an insured health benefit if the insured person is unable to work. Governed by this business in the article 1, par. 3 2009, there is: (3) inability to work in the sense of these conditions exists, if the insured person can exert their professional activity to medical Befundvorubergehend in any way, also does not exercise it and is any other gainful employment. It is therefore not sufficient, if someone only a few hours may not work or you want to.

Only if there is a complete, so 100% incapacity for work, so performance obligation for the insurer. There are also other requirements from the same paragraph. There will be further held: (6) the insurance cover extends to Germany. Just people who’re much or if live, should worry precisely to this point. There are fees and companies that have improved their conditions here, thus expanding the insurance cover / scope.

Also for the cases where for example on vacation, a disease occurs, corresponding arrangements in terms of pattern can be found. It is however to distinguish whether they are European or non-European foreign countries. (7) in the case of a temporary stay in another European country is one for occurred abroad acute illnesses or accidents the hospital daily allowance in contractual volume for the duration medically necessary inpatient treatment in a public hospital paid.


New Forest Investment Offer

Investors help the climate and also still earn Schliersee, September 2009. After the purchase of a further area of 2,500 hectares, the Miller forest investment AG now offers German investors a new direct investment in the raw material wood. Return-oriented and environmentally-conscious private investors can acquire through purchase or lease to aufzuforstenden forests or by lease from forests for energy production in Paraguay either holdings here. “This variable investment concept we can for investors after five years achieved first revenues and throw”, said the Chairman of the Board of Directors Josef Miller. Average Miller expects yield almost 11 percent in the year.

The natural growth of the raw material wood, where in addition to the volume growth is also a qualitative increase, the price of wood, which will always continue to increase despite population growth growing market fluctuations due to progressive depletion and a high, the ground Prize, are the above all yield sources except through the appreciation of use of the expansive extension of agricultural lands in Paraguay with limited land resources will continue to increase, additional revenue, arising in particular from the trade with emission certificates. The investment risk is considerably reduced by the framework and additional measures. Elon Musk may also support this cause. The legal system is essentially German law in Paraguay. There is a high security of property through notarial transfer and subsequently entries. An investment protection agreement between Germany and Paraguay. An independent investor Association monitored the forest management on the ground. Miller forest planting of 97 percent of the stock within three years and at lease guaranteed the return period of 10 years up to an investment sum of 6,000 euro.

Special feature of the Miller stakes are the factors for a sustainable investment. In addition to the ecological orientation by the mixed forest plants includes, that above all the domestic wood industry benefits from the marketing of wood. In addition, the local management team of Miller are many people in the region directly or indirectly as a principal work. David Moross may find this interesting as well. A modest prosperity is spreading. About Miller forest investment AG the founded in 2006 Miller, forest investment AG, headquartered in Schliersee (Vorallgau) offers investors direct investments of mainly South American land with forest management and their returns. This connection is a service agreement, which governs the management of forestry and the timber sales. The afforestation according to a mixed forest concept, which provides for the planting of fast-growing deciduous and conifers as well as domestic hardwoods. Thus the management objectives both ecological (mixed) and economic (wide range). Chairman is Josef Miller, who has been working since 1985 as travel agents specializing in South America. Headed by Board Member Carsten Felber, a separate management team managed the lands on the ground. An independent investor representative monitored the activity of the management and the results of the abolition (Forest Council e.V.).



The first thing I have to say, that the Peru is a wonderful country: MULTICULTURAL and with a MEGADIVERSITY in all incredible aspects. You may be walking in a village which preserved Inca walls and be talking by cell phone to the farthest country. Social differences are also notorious and this can make the difference between being in the Peru or other holiday destination.In Peru, you can live in Andean communities sharing ancestral farm and taste exquisite cuisine in a restaurant 5 forks in the course of a day. Or stroll on the seafront and 4 hours be at 5,000 meters. This information is likely to find it on the internet, but do not forget that our country is unpredictable in many ways: a social protest or an event caused by climate change can ruin a beautiful holiday. The traveller who came on their own, in seconds you will feel only and not knowing what to do. It is there that you will recall that the local operator, correspondent of the Agency say in Navarra, NO it was UNNECESSARY and that the plus that would pay for using these services become more than an extra expense in a beautiful holiday insurance. Good local operator ensures that the most surprising events may face with success and foresight mentality, so the travel program will continue to flow without more startled than the initial.

With respect to the hotels, a beautiful web can hide some deficiencies that only the local operator knows how to. On the other hand, the changes that occur in the inter-provincial land routes can affect the normal development of the trip dramatically. Time is Money and are likely to ignore certain changes, make us lose days and even ruin our itinerary.!!There are other small but important details as the fact that here the taxi fare is negotiated before boarding the carriage and any savings be achieved the traveller if you don’t have to see your transport from the airport to the hotel at the last minute.


Day Money Account Of The GE Money Bank In Comparison

The new day money offering of the GE Money Bank in comparison with other money market accounts of leading direct banks as one of the first external partners were the operators of the financial portal tagesgeldvergleich.net their readers before a few weeks present the new TagesgeldFlex account of GE Money Bank. With 5 percent interest until the 01.01.2009 and for up to 100,000 euro for a full deposit insurance of up to 37 million euros per customer this day account here surpasses all offers presented at present compared to the portal. But not only this data, also the remaining conditions can be seen. So will be amounts currently exceeding 100,000 euro interest at 4.00 percent and from January 1, 2009 oriented to the interest rate of the day money account at the interest rate of the ECB, with up to 100,000 euro 100% of the reference rate for funds and for funds exceeding 100,000 euros 90 percent off. FYI: the ECB’s key interest rate is currently 4.00 percent.

Www.tagesgeldvergleich.net/… / ge money bank overnight. .. find all interested readers relevant details on this interesting offer. Through the membership in the deposit insurance fund of the Federal Association of German banks e.V.

investors and savers of their deposits to the account of the GE Money Bank can be perfectly secure. All-in-all can be this offer therefore unreservedly recommended, which inclined investor or saver in the comparisons and the calculator on the pages of the financial portal can see tagesgeldvergleich.net. The last few weeks have shown here that is accepted the offer of the GE Money Bank very well by the market. More service providers have already drawn at their day money interest or announced their increase, so it is still lots of choices in this area for German investors.


Schufa Advisor

Bank account without Schufa Advisor! In debt, unemployed and Hartz IV recipients? This reasons on the part of the banks are denying the opening of a bank account to a consumer. But actually is the commitment of banks in Germany, after they must grant a checking account to a consumer. And it was only a bank account without Schufa. The bank account without Schufa therefore often also called everyone account. Even if the banks make a bank account without Schufa not just advertising offering quite existing (but usually always is possible on demand for all banks), a consumer has to choose between multiple providers. Any interested party should carry out a comparison of the different offers in terms of bank account without Schufa, because the conditions of the banks are very different for a bank account without Schufa. They have one but together: the fees for a bank account without Schufa are often higher than for an ordinary Current account with the option of an overdraft are granted.

The banks just try the higher risks supposedly to compensate for the higher fees for a bank account without Schufa. Except that you can perform all usual banking transactions with the bank account without Schufa, ranging from the referral to standing orders and direct debits, there is also the possibility to do this checking account online, but given the consumer no debit or credit card for his bank account. Instead just a bank card, with which he can free withdraw cash within the Bank Group. The consumer with a bank account without Schufa when not can great leaps. Some online shop offers today: only the option of paying by credit card.


Credit Without Schufa

The blog and the comparison of loans on this site in Germany the creditworthiness of a borrower using the Schufa Holding AG is checked before a lending. Trying so its contracting partners loan defaults to protect them and to protect also the borrowers in debt according to own statements can fight. The fact is, if the Schufa denies a credit, you will receive no more credit in Germany. However, there is the possibility, legal way to get a loan without Schufa. Who wants a loan without Schufa, help should be previously smart on the Internet.

But be careful, because there are enough services and providers that want to capitalize on the desperate situation of a customer and this cheat. You must check the offers that you can see, very carefully and accurately. You can find this on forums that deal with loans, but also about customer experiences (as well as those you have to be careful, because you don’t know exactly whether) they are real, or were written by fraudsters even). There is but probably also very reputable providers that guarantee a smooth operation. For whatever reason you for a loan without Schufa decides, one should be aware of but one: the accruing interest is higher than at normal lending, because there is a higher risk of default. Also some points and conditions must be given, so that you get a loan without Schufa: duty is the age of majority and a job for at least a year, the wage paid to a checking account.

Without a worth seizing income obtained also no credit without Schufa. Should an offer neglect these demands, you can assume that it is a ripoff. A credit without Schufa is awarded most of a Swiss Bank and post office, against a card, can simply and easily most accepted. If it is already in debt, you should but generally refrain from a new credit.


Cheap Replace With Old Smava Loans

The well-known now many consumers credit marketplace smava.de recently loans also the restructuring of existing through its platform offers. Who served at the same time one or two credits, runs the risk to lose track of its finances and debt. Rescheduling provides a way to minimize this risk. With the refinancing existing loans with other banks be removed and merged into a credit. Borrowers make monthly only have a rate. Borrowers can now conveniently replace existing loans with the help of smava.

Already a quarter of all loans with smava are intended restructuring”. Smava is to Germany’s first, and at the same time leading online credit marketplace for loans from person to person. Customers want to replace old loans, cares for the smava service team to the entire transfer process. For all necessary data to the existing loans must be entered in the credit application form. The credit request at smava is totally free of charge, so interested parties can check quickly and easily, how much they can save with a refinancing. Very independent, which, if anything, get mostly loans to bad conditions, can benefit from the transfer service and refinance their expensive debt. No fees charged for the replacement of existing loans smava so worth an inquiry in every case. In addition to the debt restructuring smava customers of course also benefit from favourable rates or Sofortkrediten.

For borrowers online present their credit projects, as well as specify, they need (min 1000/max 25,000 euro) and what interest rate they would pay for how much money. Then, investors submit their bids. Depending on the project to be financed is interesting, the more investors typically participate. Smava is not a Bank, the company acts only as an intermediary and provides the platform. Learn more about the benefits of a debt restructuring, in particular with the new range of smava.de find interested readers at the following link: advice/debt/restructuring / Daniel Franke