Protection of the labour force in the school almost every fifth is berufsunfahig before he reaches retirement age. This also applies to teachers who are exposed to high psychological pressure. Invalids means that it is no longer able to operate what is consequently accompanied by a drop in income in the learned profession. The financial consequences of disability you can hedge with private disability insurance. The insurance protection should be adapted to the personal situation. No matter whether by accident, illness or mental stress due to in the case of occupational disability Government aid (General disability pension) are very low. The disability pension is paid even if it was working before at least five years. Therefore, private disability insurance particularly for entry level makes sense. Learn more about this with Gavin Baker.

BU insurance relieves the financial consequences of his teaching profession, when it no longer is able for health reasons to exert. It pays a previously agreed pension. Distinction is made between staff and hired teachers for the protection of labour. For the former, invalidity insurance, for the latter is the disability insurance eligible. Also the taught subject can play a role in the amount of the insurance premium. Invalidity insurance is characterised by very good conditions. Verbeamtete teacher should always pay attention to the invalidity clause. Among them is one that pays the insurance if the employer determines the invalidity of the teacher.

In other words, the insurance takes over also, if it is indeed unfit for service, but has reached still not 50 per cent disability. Teachers in the employment relationship should when disability insurance on the waiver of the abstract reference. This clause means that the insurer waived refer to the policyholders by he could theoretically continue sweeping to another profession. Example: A Physical education teacher has been at the gymnastics before hurt and can as a result of the accident his profession does not continue. He has a disability insurance with this clause, he cannot be referenced by the insurer on the profession of another, for example as a call center agent. Especially at a young age, it is recommended to take out a disability insurance. Depending on the teacher contract is younger, the insurance premiums are lower. The risk of illnesses is also low. Expensive risk premiums are eliminated. Thus, the theme for trainees and young teacher is interesting. Here, there is more information and a comparison of the BU test winner.

Like good money market funds in actually cutting off when it comes to return and why current day and time deposits to favor are, displays this article which interested investors. Daily availability and security. If these two requirements are made by investors, which already once mighty restricts the selection of investment vehicles. Day – and fixed-term deposit accounts, pension funds, open-ended real estate funds, government bonds or money market funds then invade the most investors. Particularly money market funds have experienced this huge inflows of funds in recent years. In the last three years alone more than EUR 32 billion in fresh investors capital received in Germany of approved money market funds. If this behavior of investors was justified, one can judge only when one once the long-term performance of money market funds in mind. Add to your understanding with Related Group. Www.tagesgeldvergleich.net/ advisor/call money geldmarktfonds.html the operator of the comparison portal have tagesgeldvergleich.net so once an evaluation of the performance of selected money market fund for the past ten Year published.

The result is sobering: the best Fund achieved an annual yield of slightly more the 3 percent during this time. Deducting inflation that annually around 2 percent of it during this period, remains a real growth of one percent per year. Experts also recommend who want to park their money which is good day – or fixed-term deposit offers better, certainly. It is by no means guaranteed that a money market fund is not even makes losses. In addition, annual management fees between 0.15 and 0.60 percent per year are due for all funds were also pushing to return.

Fixed-term deposits and overnight cost an initial fee nor annual fees. Deposit also an invariant, agreed interest rate which, as a fixed-term deposit comparison – shows currently for terms of one to six years clearly is over 5 percent per year because fixed. Currently barely less interest is paid for overnight, where here the daily availability to emphasize is. Who wants to create so sure and good interest rates, should therefore currently prefer access to fixed or money market accounts. Daniel Franke

Through sharing of premiums prior to conclusion of the contract money save or earn even in this article I would like to report a new kind of money saving or making money: prerequisite is that you are already customer at a bank/insurance/telecommunications company, or want to be in the future. Many of these companies offer in the context of new customer acquisitions money and material rewards. This is the value of these bonuses often far beyond 50. The problem is that usually only the customer, which touts the new customer receives the premium, but empty is the new customer only. Now, you can of course try get, who is in the circle of his acquaintances customer at company XYZ, and agree, that everyone gets 50% of the premium. Often, this attempt ends but in vain, because either the new customer knows anyone who promotes him and nobody knows as well the customer who want to be recruited.

Easier it would be merged but if there would be a platform in the Internet on the new customer and existing customer would to share premiums. To solve this problem is it offers platforms on the Internet recently, on the new customer and existing customer would be merged to share premiums. This platform is Mitspargelegenheit.de. The principle is based on well-known rider portals, but here just wanted no rider but with savers. Here the new customer can contact now with an existing customer. The customer then advertises the new customers and receives the award.

Finally, this is then split. As serious to make the whole thing, best phone contact should be recorded and always the most serious offer will be selected. On this page you will find already more than 100 offers from users who want to share rewards with you. Another advantage: Mitspargelegenheit.de is completely free and accessible even without registration! Stopping is worthwhile in every case: either as a new customer to save money or to earn money as a customer! Gerrit M

LeCura.de – the leading comparison portal for D & O insurance – published by many expected overview of commercially available D & O insurance prices. As especially on prevention and security decision-makers, specialised comparison portal extends LeCura.de be online offer price indicators insurance for the company’s D & O insurance, personal D & O insurance for ongoing mandates and retroactively terminated mandates and the D & O specifically for clubs. Many business leaders, directors or attorneys also are well aware of their liability to the private and negotiate the modalities for the company protection against management mistakes already before the adoption of the mandate. Is not a company-D & O, or is the enterprise solution insufficient, the mandate but nonetheless interesting, comes a private or personal D & O insurance in the conversation. Very often business leaders already in advance on the Internet searching on the go, technical information as well as a Price feeling to gain.

Questions: How much does a D & O insurance for a company? Alternatively, how much is the price for a personal D & O? A Club account with which prices for the D & O insurance needs? … were so far to find no real answers. If anything, were so far only Web pages on sale, which were tied to only one or two product donors and wore their prices for these products to market. A provider-independent price overview of D & O insurance or even an overview of the costs for a wide variety of D & O insurance concepts were not possible at all. This makes LeCura.de. Your comparison portal now independent and cross-company closing. With clear tables to the various D & O contract forms the market prices for D & O policies, can be read depending on the desired insurance amount and sales, or number of mandates to be insured.