• General 08.02.2019 Comments Off on The Price

    We see fundamentally fair valued the shares of the company at a price level of 16.00. In the last two weeks, it has increased dieAnlageklasse shares heavily hit. So, alone of the DAX INDEX lost almost 20% and many financial stocks partly even more. Even more surprising is the fact that the price level acts as a magnet to 13,00 for CEWE COLOR AG shares. Whether this is now up to the acquisition of institutional investor or generally exists in a buying interest by several market participants is difficult to assess. The market appears on the local level to have no interest in selling more.

    This relative strength could pay off in fact mentioned in relation to the input for the future shareholders. The depression of course of in January amounted to approx. 12.00 and could be leaving very soon. A price jump was due up to the magical 13.00 brand. There stabilize the courses for several days and the volatility increasingly takes off.

    The increase of in trading volume is interesting in the last few days. Should the jump over the 13.00 significantly succeed course brand, the next stop should only take place at 14.00. There is then the next bigger resistance. With a view to the next six to nine months we can imagine a technical chart price target of 15.00. The analysts of the tradersreport would build a first speculative long position in the shares of CEWE COLOR AG with the WKN 540390 to Max 13.25. Necessarily cover their long position with an individual stop rate at E.g. 12.50 on a closing basis. Our price target term of six to nine months between 15.00 16.00. Again, they’ve missed a very profitable DAX trade. Even when the shares of KONTRON AG, they had some much more expensive buy, as our subscribers. Apparently, their trading runs so well, that it can get away with that! Still, it’s not too late.

  • General 23.01.2019 Comments Off on The Effective Annual Interest Rate

    The effective annual rate of interest has prevailed today largely basis for calculating the cost of borrowing as assessment measure for the cost of consumer loans. In fact, the definition and the calculation of Zinsens is even stipulated: for the protection of consumers of the effective annual percentage rate or the initial effective interest rate on consumer loans must be specified in the credit agreement (source: 492 BGB). The effective annual interest rate stands for the total annual cost of a loan and reflects them to a percentage of the net amount of credit in the form of: we take out a loan of 1000,-euros to the effective interest rate of 10% and this after just a year at a single rate fully repay, will cost us this loan just 100 euros. Additional information is available at Boy Scouts of America. The rate is then equivalent to 1,100 euros. 50,-incurred at the beginning of lending now fee (we get paid par value only 950,-euros as net credit amount from the 1000,-euros), the effective annual interest rate increases already to 15.79%. The effective annual rate of interest bear so in principle, all payments incurred during the term of the loan. Regard also the compound interest effect: while the nominal interest rate is represented as relative interest rate and refers always to the respective period of installment, the effective annual percentage rate as described reflects the full year.

    In practice, it is now so that certain payments generally not in the annual percentage rate of emerge (E.g., transaction costs or accounting fees) or by the banks might even “be excluded”. So the practice of some banks in the granting of residual debt insurance was criticized recently about the costs of which were shown not in the annual percentage rate. A first estimate of the annual percentage rate can be made while the consumer, the correct calculation requires usually iterative mathematical process, where to keep “keying up using approximations on the right result”.

  • General 14.10.2018 Comments Off on Health Record

    High acceptance by the insured (M + M insurance barometer) In the frame of the M + M of insurance barometer 2010 was carried out a survey to the setting of the insured to the electronic health card or the patient’s chart in January 2010. The survey is based on a representative population survey of 1,062 private and legally insured, who were interviewed by telephone to their needs and their satisfaction with their health insurance / health insurance. The future introduces two innovations of information storage data of the insured: a the electronic health card (eGK) with all essential health-related data to the person of the insured person, on the other hand the electronic patient file (ePA) with all important data about disease gradients of the insured person. The German insured look forward to positive impact of the introduction of the electronic health card. Almost every second respondent is the planned introduction of positive versus (48%), approximately of the respondents is still undecided, she rejects another quarter (rather) down. A significantly higher acceptance identified a population-representative study was carried out in early 2009 on behalf of TK. Thereafter, welcome the introduction about three quarters of the population, expect that this abuse of the cards goes back and they benefit later from other applications such as the electronic health record (ePA). The agreement among the participants from the German electronic health card test regions (87% agree) was even greater.

    Skepticism is there especially for the surveyed doctors: 4 doctors interviewed by 5 to speak, only to develop the system before the start (press release of TK). As the M + M of insurance barometer 2010 results, younger citizens are in favour of the electronic health card (eGK) and the applications in the future with her more often than older citizens. But the planned introduction of the electronic patient record (ePA) with the individual medical history included lab findings, operation reports and X-rays will be positively assessed with clear tendency. .

  • General 12.07.2017 Comments Off on Health Insurance Contribution

    Maximum rises almost 280 euro privately have many advantages. Who is however independent, must completely alone press his health insurance contribution without the help of a grant offered by the employer. In this case very well have it workers, who earn enough to be insured with a private health insurance and have to pay thus only a part of the health insurance contribution. The online portal geld.de informs that 2012 maximum for this grant has been increased even more. Private health insurance can have many advantages. It is connected first of all but also with comparatively higher contributions.

    For self-employed persons, it is possible to insure themselves with a private health insurance without any problems. For workers, the conditions will be, however, different. They are usually insured in one of the statutory funds. The insurance limit, was to be included anyway with a private insurer, 2011 49,500 euro, with the first of January she lifted $50.850. Crucial There is the so-called contribution assessment ceiling for the amount of the grant by the employer. It indicates to what extent the gross income of the insured can be used for the payment of insurance premiums.

    This year the limit is 45.900 euro, this means a grant by the employer not to exceed 279,23 euros a month. In 2011 the contribution assessment ceiling at 44.550 euro and the monthly maximum subsidy to the insurance contribution amounted to 271,01 euros. As workers who want to switch to a private insurance, must adhere to a one-year period. Only after this year, insurance with a private fund is allowed.

  • General 26.04.2017 Comments Off on Credit Card Debt Consolidation Loans, They Are Helpful To Become Debt Free

    Reputable credit card debt consolidation loan services for people having much credit card debt do you have too many credit cards? Most of them maxed out? Then you need to start considering consolidating credit card debt. Today the average debt load of American consumers is approximately $6000 this is the level of credit card debt that is considered normal. If you are one of a growing number of consumers for whom credit card debt is closer to $10,000, you may be in need of credit card debt consolidation loan services. There any many negative if you have too much credit card debt. Let’s face it, nobody likes to carry credit card debt, but in many cases it is necessary especially if you don’t have the money to pay them off. But with high interest Council of turning more and more of your monthly payments to interest costs, it’s no wonder so many American consumers are finding themselves in extreme levels of debt. This is happening to you if: calls from aggressive debt collection agencies, and in the case of people with multiple cards, collection calls from so many agencies, that it’s hard to keep track of who’s who. Increasing anxiety or even depression about your credit can not buy anything because all you money is paying cards off credit card debt consolidation services may be the answer for you.

    Most companies who help in consolidating credit card debt have on experienced staff of agents ready to inform and help you. In most cases, clients receive a reduction of up to 70% on existing credit card debt and a reduced interest rate on the remaining debt to be paid off. Why even a bad credit debt consolidation program may work for you is that it stops the harassing calls and your interest Council will in most cases be lowered, and there is a good chance that a large percentage of your debt will be forgiven. One thing not to do is fall for ads offering unsecured debt consolidation loans. These are usually a sham. Don’t get conned. If you are suffering from on way too much credit card debt, you have everything to gain by contacting one of the reputable credit card debt consolidation services. In fact, offer our free consultation and have people ready to talk most to you 24 hours a day.

  • General 29.03.2017 Comments Off on Federal Republic

    Later, the Turks attempted in the 17th century Vienna to conquer. Both violations have failed. Today, there are Muslim extremists who want to claim Spain and Europe for Islam. Basically, at this time, life expectancy was not even nearly as high as it is today. Many families had to earn their money and the threat of fire, death and theft was pervasive. Large parts of Europe in the early middle ages were lawless spaces. These parts also included the present-day Federal Republic of Germany.

    So artisans, families and monarchs could ensure their relatives, countless death funds and fire funds were founded by guilds. Guilds were associations of several people who secured the risk of the individual in the event of damage by their membership dues. In fact, they were comparable with the death tills of ancient Roman and Greek. One of the few documents of Charlemagne Act prohibition addressed to the guilds, to establish any association. “Free to conquer the motto and parts” it was forbidden the guilds to join forces and thus a larger Union to establish. Both the State and the Church feared a third great power in the middle ages. For this reason, many guilds to fail were doomed. The principle of the Guild worked until, at once entered several claims and the claims of victims not to one hundred per cent could be secured.

    No wonder, then, that the principle of insurance nor prevailed in the early middle ages as in Greek and Roman antiquity. Basically, this insurance principle was doomed to failure in modern times until far in the early. The fire guilds of the middle ages are often considered a precursor of today’s insurance industry research. While some years ago, many researchers measured with little importance the middle ages, there are now many scientists, which clearly highlight the importance of guilds for the today’s insurance industry and today’s life insurance. Summary can be said so, that in the middle ages the course for the future of Europe were laid. These points were placed not only in the field of world politics but also for the insurance industry. Due to the missing mathematical foundations insurance could not prevail but long.

  • General 06.07.2016 Comments Off on Heino Hildebrandt

    The annual travel insurance will be increased, or it is booked a one time insurance to. (6) with or without excess – is a travel insurance can be with or without excess be completed. Unless the contract without deductible is agreed, the insurer shall in the eligible claim the cancellation costs in full. Should however an excess consider the contract partner must in the eligible claim take 20% of the cancellation charges itself. We recommend both offers to catch up, often there is very considerable, how small the differences are. (7) also a travel insurance can be completed with an age limit nee data of the passenger -, therefore the dates of birth are very crucial.

    But older people find the desired insurance coverage, there are contracts with no age limit. (8) life journey participants in domestic community – family insurance can often only be completed unless the adults in household living. But of course we can offer you alternative deals. It is a lot to note to conclude an agreement. Secure travel available to the customers with advice and assistance to the side and provide different services. Then, the interested party can decide whether the conclusion directly online to come, or whether the offer by mail is desired.

    We provide our customers the possibility to check the required travel insurance. Any questions prior to the conclusion should be to clarify we are pleased about the recall. The response our clients confirmed us daily that we very satisfactory advise and we are happy to recommend. We set ourselves targets – that we can only meet if our customers behind us. Simply contact us and try our service. We are looking forward to your call.

  • General 20.10.2015 Comments Off on AssCompact TRENDS

    Sales mood of brokers on year low / special section ‘Claims management’: intermediary contact 30 minutes daily to Eltville am Rhein, 07.12.2011. Sales sentiment in the market, the brokers and multiple agents fell from 85.2% to up-to-date 75.1% during the year. Despite this year low more than three quarters of respondents are thrilled and satisfied with their present distribution situation. 43.4% of the respondents have a better sales than in the same quarter of the previous year in the current quarter. Current product sales of the intermediaries in the future importance of the product line being mirrored views and trends with the help of the product trend indicator.

    Therefore the mediators see the most important products of the next one to five years within the Division biometric risks currently”, such as private long-term care insurance, basic capability security, dread disease insurance and supplementary health insurance. Check out PCRM for additional information. The choice of best product providers from intermediary point of view is in a total of 26 different broker Favorites unchanged part of the AssCompact trend studies Product categories. “In the Feldder home insurance” there following rankings this time among the top 10 providers: top favorite of the respondents is the VHV, followed by the Ammerlander insurance. The InterRisk that could displace the insurance fund Darmstadt 4th is new on the podium as third parties. The Interlloyd makes the biggest jump within the top 10 and rises to two seats when compared to the previous quarter.

    Extract home insurance: rank home insurance of 1 VHV 2 Ammerlander of 3 InterRisk 4. liability fund Darmstadt of 5. generali of 6 AXA 7 Domcura AG of 8 Interlloyd 9 Gothaer 9 Janitos survey special section: claims management / claims the special part delivers valuable information about such as the intermediary the subject claims management / assess claims and what experience in this area. So the process of the subjective perception of intermediary exactly under the microscope was taken nine thing products: how many claims, in which product line, which brokers effort have brokers with their thing stock actually? And which product providers are professionals in the claims handling and the management from the perspective of the agent? The average cost of the intermediary (is 49.3 years, to over 40% referred to the material / HUK business as its business focus and whose annual premium for the managed Kompositbestand in the median is 120.000.-EUR) for claims management per working day is about half an hour.

  • General 20.10.2015 Comments Off on Liability Insurance

    Travel arrangements in the Club: these insurance questions you should clarify many clubs are confronted in their daily work with the planning, implementation and organization of trips and travel. Therefore, you should know the risks which hang together and apply appropriate safeguards. This concerns in particular the legal positions of clubs as a tour operator or travel agent and the insurance of participants and accompanying persons (for example Aufsichtspflichtige) against risks. When is the Association considered travel? Tour operator is deemed to be according to 651 m German civil code (BGB) If for a fixed in advance and written-out program is offered two or more independent main services with a single price (package travel offer). These tourist main components are: travel/transportation (bus, train, flight, ship, transfer), accommodation and food, the head of the Group and all additional services (seminars, Fort – and continuing education courses, sports, language courses).

    It follows that Clubs also in typical Club activities as holiday camps (arrival, management and accommodation), seminars and training (accommodation, catering, offer) or ski camps as a tour operator in the legal sense involved. The newspapers mentioned Boy Scouts of America not as a source, but as a related topic. Practice note the Club no longer acts as a tour operator (but only as a travel agent), when joining the components mentioned not itself, but from a travel agency to perform can be. It is crucial that the Club not the impression in his advertising, he was even the organizers. Easily, that will be the case especially in ads in foreign media. In notices in the Club’s media he should make it clear however that he only gives the travel. Insurance needs operates the Club as a tour operator as a tour operator, he should know his liability risk (and assure). Clubs, associations and other organizations are liable from her occupation as a tour operator also for persons, property damage and financial losses incurred by the participants. The liability includes both self-inflicted damage as damages have indebted partners (bus companies, hotels).

    Liability insurance for tour operators liability insurance for tour operators is therefore a must. It provides insurance protection for the following loss events: death, injury or damage to the health of participants (personal injury). Damage to or destruction of things of the participants (property damage), not but the misplacement or theft. The non-fulfilment of agreed services (financial losses). This insurance covers the typical activities of a tour operator. These include among others the selection of services and whose review the compilation of individual services, the achievements to be described in catalogues or brochures, processing of travel applications, organization, reservation and to provide of the services in accordance with the contract, the exhibition and the dispatch of travel documents, the procurement of foreign means of payment, visa and other travel documents.

  • General 15.10.2015 Comments Off on GKV Insurance

    The Government on the basis of numerous shortcomings in the legislation, has not succeeded with compulsory health insurance in 2009 that all citizens have health insurance. Much worse, many are deeply in debt by the law and get only basic medical care. The penalty payments and contribution debts are the reason. From the second month in which the insured person not can pay his contributions, the insurer require 5% penalty per month. For people who were previously without health insurance and now due to the requirement of insurance want to insure themselves, come to horrendous cost. Because the insurers of the GKV and PKV asking 1 month post as fine and then the 6 month 1/6 of the monthly premium. So especially formerly privately are no longer in the legal, Health insurance can occur, often forced into the so-called walking base rate of private health insurance.

    In this tariff, the PKV providers must record each. Because frequently many insurance willing fail on the health examination or on the basis of negative Schufaeintrage in order to be included in a normal car fare. According to Federal Statistical Office, there are currently about 137000 persons without health insurance. The post debt within the statutory health insurance was in the summer of 2012 to whole 1.67 billion euros, because here too many self-employed may not pay the contributions. When the car amounted to post debt to 550 million euros. The penalty rate of 5% required by law is responsible for the ever-increasing sum.

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