Long-term Care Supplement Insurance Vs. Care Insurance2017.11.07. // News

What protection is useful and what you should pay attention No matter whether private or statutory health insurance, a duty of care everyone has. This is a legal requirement (such as health insurance) and provides coverage in the event of a Pflegebeduftigkeit. What is long-term care? A look at the model terms for compulsory care insurance explains the fact of care: (2) insured event is the care of an insured person. Need of care are people who need of help because of a physical, mental or emotional illness or disability for the usual and regularly recurring activities in the flow of daily life in the long term, expected to be for at least six months, in accordance with paragraph 6 in significant or higher dimensions. While the severity of the need for care is divided into so-called care stages I to III. Depending on what and how many activities (can) be performed yet is an appropriate level of care is determined, what benefits from the maintenance obligation insurance leads. What I do “can not” to get into a level of care? Also here the corresponding model terms to help us. Here it is: a) dependent care level I (greatly dependent) are people who at least once a day need of help with personal hygiene, nutrition or mobility for at least two operations in one or more fields and need helps with the household supply in addition several times a week. (b) dependent care level II (Schwerpflegebedurftige) are people who require the nutrition or mobility at least three times a day at different times of day of the help of body care, and need helps with the household supply in addition several times a week. (c) dependent care level III (Schwerstpflegebedurftige) people that are in the care of the body, the Nutrition or mobility even at night, need of help every day around the clock, and in addition several times a week helps with the household supply need.

Money For Investments2017.06.21. // News

The procurement of capital, liquidity and operating funds or financial resources gaining obtaining financial resources, liquidity and capital for companies on the money and capital markets against the background of the financial situation of companies in an era of banking crises more and more. Some banks are even in the credit crunch and can provide no further loans. With numerous financing models, in particular the free capital market (outside of the stock market) and private and institutional investors in the capital for investments can be used. Raising capital to the corporate finance for medium-sized businesses includes open investments also subordinated debt and loan capital. The financial capital for the financing of SMEs expected a yield or dividend, which currently ranges from 7% to 9% regularly. In addition to the offer of shareholdings via a private placement (= financing without Bank) also recognize more and more medium-sized companies Advantages of financing through mezzanine capital, as well as the need to make the financial provisions for the financing of investments in the future at an early stage.

The equity capital and the equity financing play a special role for medium-sized companies and can be provided by a third party without ownership rights to shares. The qualification as equity or equity financing logically exclude the Bank-side financing of these funds because banks can lend only. The capital from private investors and donors suitable in particular for the financing of medium-sized companies because non-institutional investors and private investors regularly have no desire to exert influence on the financing company. Private individuals are interested in not voting, but only reasonable profits and good yields. Debt restructuring without bank or credit is possible also on the way of raising equity capital and private placement.

Credit capital can be solved out by mezzanine capital so that can be brought about a debt relief and release from liability of the company and also of the entrepreneur. In this way, open spaces are created for new investments. Finally, also a conversion can be made from debt into equity (vacuumed. Debt-Equity-Swap). So E.g. shareholder loan into equity mezzanine capital can be cast through amendment of the treaties. Financing for small and medium-sized enterprises (SMEs) without credit and loans are a dynamic business growth and investments of great importance. Raising capital from equity from 50.000,-and equity financing through mezzanine capital or venture capital or private equity are therefore particularly important for investment. Dr. Werner financial services AG helps the optimal corporate finance and capital (www.finanzierung-ohne-bank.de). So, companies find their way to the capital without bank or to the financing of operations without bank credit.

Today You Can2017.06.19. // News

No one is on the streets on the way without acting on plastic card with chip bank cards small plastic cards, in which a magnetic strip, and usually also a chip are integrated. The debit card is issued by banks and savings banks to customers. Also, the customers for each bank card get a PIN. Go to Discovery Communications for more information. The ATM card and the PIN are sent to separate customers for reasons of security to prevent both together into the hands of unauthorized. Get all the facts for a more clear viewpoint with Cyrus. Customers can withdraw money, toll free with bank card and PIN at ATMs of the Bank from your account. If the bank cards used to withdraw money in foreign banks, fees are to be paid.

Also can be deposited money with the bank card at the ATM, and print account statements. Bank cards with debit cards function, balances on the chip can be saved and then the pay small amounts of money, such as for example of cigarettes at vending machines, are used. The money cards can either recharge at ATMs or over the Internet be. The most widely used credit card is the debit card with payment function. With the debit card purchases of any kind or services can be paid, if it is accepted by the respective business or service companies. Since today but the cashless payment transactions like used by most Bank customers, also the companies that have built up and accept this payment. On the magnetic stripe of bank card is stored, such as name, address and the PIN and the logo of the Bank required customer data. The debit card can be used in the context of the Dispokredits, when this is exhausted, no more payment can be done so, until again a deposit has been made on the account.

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