New insurance device “unnamed dangers” protects property owners from surprises the homeowners insurance, often under performing, but Pramienstark! Insurance products are extensive, they are more expensive and the more the devil is in the detail. Since the extent of insurable risks increases, also regulation in the event of damage is always more complicated. For a damage is not only to the cause of the damage, it also determines whether the actual value of the object is equal to the insured sum stipulated in the agreement. This is not the case, the compensation is reduced, in exact proportion as the insured amount by the value of the object is different. Go to delta airlines for more information. In difficult economic times more use is made of this practice when the claims because ever.So far, the insurance sum of your real estate always over a so-called discovery arch from the broker had to be determined. Nice if you could rely aberteuer on it, if the mediator there slept! Today, the customer can simply his real estate versichernindem it specifies only the living space. The insurer there automatically granted under insurance waiver, do you mean, in the event of a claim is not checked whether the insurance sum to the object fits. Thus there is also no deductions more in the event of damage and beruhigtum other things you could do.

The additional safeguards in the homeowners insurance are an additional safety factor. To and drainage pipes on its own and foreign land or Grafittischadensind just a few additional options that should be present in the package. Brand new and really groundbreaking is unnamed dangers but”! Insurance against unnamed dangers”protects against surprises unnamed dangers protect the property owners for example in cases of internal unrest, intentional damage of property, vehicle impact, smoke and soot, sonic booms, etc. In terms of the Wohngebaudeversicherungheisst it provides compensation the insurer, if by unnamed Hazards, unforeseen assured that things misplacement, destroyed or damaged.” Unexpectedly is defined so that the customer could not detect the threat. Unfortunately, only a few providers have this additional module in the program so far.

Also photovoltaic systems are fully protected photovoltaic systems are increasingly part of a real estate, therefore, the scope of the insurance has been extended again. Easily offers an all-risk coverage for the solar panels. Also peripheral costs such as increased shipping costs, duties, handling charges etc are backed up from. All in all is as a brauchbaresKonzept for Home Builder and real estate owner, one as all-round carefree package”will go through. Insurance coverage from 160 per year to “around umsorgen wrong” is of course the question of price. On the residential insurance market, there is strong price differences, which must have something to do not always with performance. Start with some insurance packages the prices of 100 sqm of living space at 160 a year for a new building. Insurance premiums in the homeowners insurance are determined primarily on the location of the property. Here is so crucial, what zip code your place of residence. But here, too, the providers differ. The finer the postcode area is divided, the more accurate premiums can be calculated. It is quite possible that some homeowners insurance companies are well 100% more expensive, because the postal code only rough surfaces are areas. There is something on the market for building insurance. Further information about the service components of the new rates here: new homeowners insurance. It is worthwhile in any case! Henry Wolter Transparent24

A good down payment will therefore work wonders towards Lowe ring-the risk factor a finance lender Lake wants when they begin evaluating you as a good borrower. Sheryl Sandberg spoke with conviction. If you have old car you can use it to trade in on the new car that you are interested in and this can serve as a down payment typically. There are a vast amount of online lenders out there that so give individuals bad credit car loans which are just a click away from you. It’s always good to get a multiple quotes before you decide which course of action you should take. So make certain that you go for a car you know for a fact that you can afford rather than trying to get something you can’t afford and then having difficulty to pay it off. It will help you immensely with major financial purchases in the future. Lastly you should know that if you are not approved for financing by some local dealer you should take advantage of car financing online because there are so many lenders out there that are willing to with anybody with taking credit, no credit or bankruptcy as main issues. One need to know some simple searching information that can help you get financing for car despite bad credit or when you are out to get loan for your next car, truck or van.

American leading car finance company “CarMoneyFast.com” masonry in providing bad credit car loan, we continually help people to get their car loans for bad credit and no. credit as evaluate to other site across the United States. About author: Having vast number of lenders-link, dealers that are specializing in this bad credit car financing.These dealers are connected to large number of financial firm and wants to match best for you available on car loan bad credit. To know more about how to apply for bad credit car loans..

Many agree that commodity prices will rise again in 2009. ETF offer a new way to invest in this market. In the trend a strong price increases of raw materials such as oil and gas are expected by most investors, also for other commodities, such as gold, metals generally or also for agricultural products will be calculated with a price increase. This significant increase in raw material prices, entitled expected by the majority of real, to achieve a high return on investment opportunities for investors. Nevertheless, energy sources, agricultural products or metals are in many investor portfolios still clearly under represented. This just investment in these commodities can make a meaningful contribution to the portfolio diversification and complement other plants. How can the investor about the ETF (Exchange traded funds) invest in commodities? An exchange-traded funds is an investment fund traded on the stock market.

In contrast to the traditional Fund, an ETF is a stock is traded daily and now belongs to the most successful forms of investment. This exchange-traded index funds offer institutional and private investors now also have access to the commodity markets. ETF are as flexible as shares, but combine the advantage of diversification such as mutual funds. They can be purchased by the investors of any bank or a broker and sold. In the wake of the 2008 financial crisis, seek the safe haven investors for 2009 and plan low-risk patterns in their investment strategies. ETF offer a stable strategy for commodity values, as they in their structure not only on a value, but accurately depict the index as a primary goal and combining multiple commodities. Also, an ETF is continuously monitored and updated. It is a management – and administration fee of approx.

0.35 – 0.5 per cent annually levied. Why does it make sense to invest through an ETF and not directly in the commodities market? Who wants to invest directly in the commodities market, should be always up to date and inform themselves, where raw materials are produced, how and in which Quantity, with the reserves, and where they are traded. Political trends, current events etc., much needs to be kept by the investors in mind, if he wants to assess raw material values and stable invest. Daily track to keep on course developments such as crude oil, silver, gold, copper, zinc, cotton, coffee, or sugar is possible, requires however much time and is very expensive. A commodity-based ETF is managed professionally qualified and checked daily, he stabilized as Depot admixture reliably and without time. Oliver Ganesh corner ETF-24.de

Data source: Market maker / Greenwich alternative investments / SWISS SELECT asset management AG SWISS SELECT asset management AG certainly more yield – the SWISS SELECT securities specializes, which provide profits at every stage of the stock market and make even pension deposits even safer. To achieve positive returns regardless of the turmoil in the capital markets year after year, a careful selection and allocation process for portfolio managers from the global Hedgefondsuniversum is done by the SWISS SELECT. The certificates of the SWISS SELECT initiated about Barclays (AA/Aa1 rating) offer access to some of the world’s most successful absolute return strategies. Because the certificates of the SWISS SELECT a variety of renowned hedge funds access, you can used quite as basic investment. But you show their particular strength as a complement to existing investment portfolios.

By the low Fluctuations, the high resilience and the low correlation of SwissSelect products with the stock, bond and real estate markets are not only more widely diversified classic investment portfolios: the solid income of SwissSelect products shall ensure that even pension portfolios and also equity portfolios are more productive and above all much safer. Investors and investment advisors reach usually a significant reduction of the volatility, the reduction of vulnerability and to raise yields by supplementing with SwissSelect products, so that they reach the actual target yield of total deposits much more reliable. SWISS SELECT asset management AG, In my time 4, FL 9494 Schaan, Tel. 00423 231 1716, E-Mail:, press contact: MP service, Malte Papen, schulstrasse 7 a, D-56472 Court, Tel: 0049-2661-953040, E-Mail: Disclaimer this document was created by SWISS SELECT. The opinions expressed are those of the SWISS SELECT at the time of the Writing and may change at any time. The document is used for informational purposes only and for use by the recipient.

It represents neither an offer nor a solicitation for the purchase or sale of shares of securities of SWISS SELECT e. A reference to past performance is not regarded as a reference to the future. You have been collected in information contained in this publication and analysis from sources considered to be reliable. The SWISS SELECT gives however no representation as to their accuracy and completeness and disclaims all liability for any loss arising from the use of this information.

Market report SWISS SELECT asset management AG – July 2008 while the German kicker to Jogi Low past have taken at least close to the European Cup, are the stock and bond holders, from countered to stay in football jargon, classic. About 20 percent Germany’s main stock market index DAX lost in the past six months and has let investors in the first half of any joy. Unfortunately, the development of the German stock market is no exception. A look at major global share markets shows that almost all markets crumble. 12.83%, the Dow Jones industrial lost in the first half of the S & P 500 average eased DM 15.65%, the Euro STOXX 50 lost 23,79% and the Hang Seng China enterprises even 25,52%. The month made a decisive contribution to these results, by the way June. Down 9.37% of world stock market index MSCI World EUR had its biggest one-month drop since the bear market year 2002.

This association alone brings back memories of dismal trading hours. And this time can apparently even European bonds as the safe harbor\”for investor funds act. The SALB European GBI also eased in this miserable first half of the year. With a loss of 3.55%, European bonds no longer are a safe investment option. Also additional concerns on the current high rate of inflation in Germany by 4%. The nervousness among investors increases significantly with the scary rising price of crude oil (H1 + 48,94%!). Because of the influence of this indispensable raw material for the global economy is too large.

The capital – and high guaranteed Hedgezertifikat SwissSelect warranty 26 (WKN BC0 EHF) not entirely spared from this turmoil. The volatility of the rates increased slightly, so that the certificate over the term of the first half with 2.33% negative. However, this result makes also clear that the hedge funds very carefully selected for this certificate can much better deal with a such difficult market period, as Classic investment vehicles, whose developing too much is linked to the General market turmoil.

Fixed-term deposits test has to analyze a report of Stiftung Warentest for the deposit insurance as private deposit investors usually a great emphasis on the security of own investments. Several bank failures, to remind himself about on the collapse of the Icelandic banking sector, German investors have unsettled, who wanted to seek their fortunes in other European countries. There have been, and often more attractive interest rates offered. In which country can you invest safely? The prestigious Stiftung Warentest has compared the deposit insurance in Germany and some other countries. Fixed-term deposits test, the consumer portal specialized in fixed-term deposits, reportedly, plants are harmless for all possibilities by the Stiftung Warentest tested up to a height of 50,000 euro.

And in addition is a deposit guarantee, which can be for the average investors of small – and medium-sized sums become considered more than adequate for most German banks. Only investments abroad you should be the exact conditions of a hedge in the Case of a bank failure look. Apply for building and loan associations and savings banks and other conditions, three countries were in addition to the various German hedge fund, for private and public banks, compare. In the Netherlands, Austria and the United Kingdom, Stiftung Warentest recommends maximum investments of EUR 50,000. The summary of the analysis of the Stiftung Warentest for the deposit insurance can be found on fixed-term deposits Test.com. You will also find there current judgment on the fixed deposit offers of the most direct banks.

Munich-Unterfohring / Regensburg – on March 1, 2009 launched the partnership in construction financing between the compexx Finanz AG and construction money BS specialists AG. Thus the product world and the consulting services of the BS building money specialist AG, are the over 40,000 customers and over 600 qualified financial managers of compexx Finanz AG under the joint sales brand “compexx finance service” available. Thus the product world and the consulting services of the BS building money specialist AG, are the over 40,000 customers and over 600 qualified financial managers of compexx Finanz AG under the joint sales brand “compexx finance service” available. “The construction financing plays a significant role in our product range. We see huge potential in the financing business. So that we can develop this potential, we put up us now optimally with the common sales mark for the upcoming growth.”explained Jochen Schramm, CEO of compexx Finanz AG.

“The independent mediator on the ground will be more in the future To gain market share in the financing of construction. Only who today professionally turns up in construction financing, will benefit from this development. We are very pleased to that the compexx Finanz AG offering will exploit this opportunity with our white-label for themselves,”explains Marcus Rex, Board the BS building money specialists and added:”The cooperation brings together on one side the distribution strength of independent financial services provider and the concentrated competence of an independent construction financing agent.”compexx Finanz AG – brief portrait the compexx Finanz AG with headquarters in Regensburg was founded in July 2005. Meanwhile, approximately 600 financial manager in about 50 branches serve 40,000 customers in whole Germany. These financial managers work independently and are able, depending on the individual needs of our customers from a variety of products over 30 product partners free to choose. The financial managers work compliant comply with the new EU directives on brokers and it new insurance contract law. BS construction money specialist AG – brief portrait the construction money Specialists are independent, specialized construction financing sale! In Germany more than 80 locations, the construction money specialists offer competent and independent personal contacts around the estate. This, the construction money specialists serve their customers engaged and individually on site, also at weekends and on request in the living room of their customers.

With their home loan experience, the construction money specialists are their customers as a personal home loan coach available. Contact: Peter Dorfner, product management, compexx Finanz AG Tel. 0941 / 56815-0,, Marco Brandt, Director marketing and PR, BS construction money specialist AG Tel. 089 / 121033-100,,

Pioneer first big loser in the fund industry of the September 2008 was the worst single month for the German fund business for years. The currently published October figures sit another. The October 2008 is the worst month since release of sales data by investment funds in Germany. Coming Alpha has published currently the detailed analysis of the sales data of funds by 3rd quarter 2008. It is already clear that there is a clear trend to safety-oriented products. Retail funds, funds of funds, worth secured funds and real estate funds are the three strongest sales fund categories with distance.

Overall, but no year-end business against the backdrop of the introduction of the flat tax as of January 2009 is observed. Also, the analysis of fund data for the first three quarters 2008 shows that Luxembourg funds in the paragraph (+ 21.1 billion euros) are dramatically superior to the German Fund (EUR – 4.1 billion). Furthermore, it is to see the pure number of mutual funds are steadily. The consideration of the Funds of funds reveals, that pioneer asset management and DWS are the addresses with the highest outflows by September 2008. These and many other findings are the coming Alpha publication fund market”prepared, which is available free of charge under. Coming alpha will analyse the data of October 2008 also in detail and report. For more information we are personally or via email at available. Here at..Fondsmarkt_November..pdf you can download the entire pdf.

The secondary market for capital life and pension insurance is booming except no make and cancel the sale of Kapitallebesn – or pension insurance is often more lucrative. Often sell better a booming secondary market has developed for life and private pension insurance there are several way to separate from its capital life and pension insurance: is a possibility – you can sell it. For a real secondary market has developed into, on which the policies are traded. The sale has two big advantages over dismissal: buyers pay usually more money, than who would receive insurance for cancellation its police. The reason is, that the insurance in a premature termination submits cancellation costs not incurred in the sale. And up to December 31, 2008, the payment is tax-free. (Who announces his capital life and pension insurance within the first 12 years pays capital gains tax plus solidarity surcharge on the income (around 26Prozent) and in addition) maintain a death protection. Because if the insured person dies, the insurance company will transfer the originally agreed sum of death to the company that has purchased the contract.

This then deducts its costs incurred up to that point. These include of course, the purchase price was paid by the company to the former policyholder, the premium payments accrued after that, as well as an interest on this award. The rest will be paid to the heirs of the insured person. The buying companies set certain criteria for the purchase of capital life and pension insurance: firstly a minimum surrender value. Depending on the buyer or factoring – company 1,000 euros, normally from 10,000 euros.

Second requirement: in turn, depending on the buying company, the remaining term of the contract. Unit-linked insurance will nor acquired as direct insurance. Finally, they pass on the name of the company. In addition an once sold life and pension insurance can no longer be purchased back. From point of view many consumer protection associations makes the sale of a capital life and pension insurance – from the point of view of the yield – in any case meaning. In a short time you have cash – you get paid more money, and has insurance coverage. Not to forget: the monthly released posts can be used better. More information on, by the way: also savings and funds have to sell on the secondary market. R.Ulmer

The beclever werbeagentur AG is one of the few agencies with an emphasis in financial communications and the emission marketing. Gottingen the full-service agency of beclever werbeagentur AG (www.be-clever-ag.de) offers all advertising functions in the print media and the online media. For years, the Gottingen creative hotbed has one of its priorities in the area of financial communications. For companies who want to generate capital for their companies on the financial market, a professional appearance is the Foundation for a successful IPO”, so Kirsten Winkelbach, Board the beclever werbeagentur AG. Especially in the financial sector and in the Investor Business professionalism and honesty is needed. In addition, a competent agency is required on the legal side. We know the legal requirements for prospectuses, for example”, so next Winkelbach. With a competent network partner together with their network partners, the beclever advertising agency can successfully AG financial communications of companies on the capital market