Tag Archive: money


Lose Weight Without Sweating

It is not easy to realize that one is overweight. It does absolutely nothing for self-esteem or neither social nor loving life. Being overweight is a synonym of neglect, probably much work and poor nutrition and definitely little exercise. I’m not saying anything new, being fat is older than the black thread, but just as old is the solution. A leading source for info: Assurant Health. If you’re one of the loose which is not supported by see a gym nor leave the fried potato and Coca-Cola, here 5 tips are to lose weight without sacrificing much.

Is clear, not you come 5 pounds in two days with these tips, but in the long run you can save a few kilos in 6 months or a year, while you start to give you has to go to the gym (or exercise) is something fun, healthy and excellent for social life! I note that the following tips for many will be a reminder, if you’re new to the field of the subidera and weight bajadera is likely to find one or two tips that surely will not forget you. Ok! We will then: drink more aguNo imagine with the amount of people that I talk daily by phone that they told me is that I don’t like water. Some contend that Dr. John Mcdougall shows great expertise in this. It is that it is not a question that if you like it or not, your body asks you! Our body is made mostly of water, not of frappuccinos (said be of step are well rich but well caloric), or ice tea or for so many things that they want to sell to quench us the thirst. It continues with the original recipe. Water, water, water. Simple and cheaper.

Sleep Masme realized this tip for some time already. I did note that while less slept more hunger gave me. In reality it was not hungry but lack of sleep and my body was charging me with gives me something to eat.

Disability Insurance

Correct answer of the health questions is mandatory in occupational disability insurance usually extensive health issues to doctor visits and illnesses the last five to ten years must be answered. The correct answer of the application questions is of enormous importance: who tamper or recklessly fails crucial information, threatens his insurance protection over the years. The higher regional court of Karlsruhe negotiated a legal dispute between an insured person had completed a disability insurance on January 15, 2001, and his insurers in spring 2013. Almost ten years after the conclusion of the contract of the former locksmith, who last worked as a warehouse worker, was actually berufsunfahig and requested the monthly disability pension from his insurance company. The insurer requested the medical records of the customer within the framework of the performance audit and noted that the customer several doctor visits, as well as various sick notes in its submission in 2001 not was specified correctly.

A right of rescission of the contract is to at this point the insurance company, provided that the customer had fraudulently misled the insurer in relation to its health claims. This deception must prove the insurer but. Because the client had omitted to include shoulder and back pain, as well as a thrombosis disease and was sick several times in the longer term, the Court gave the insurance company right. Fraudulent behavior is to assume when the deceptive knows or expects to approvingly in buying that he makes incorrect information, a misconception and that this led him to an explanation he for real knowledge of things not or not would have made this upon the receiver of his statement, takes “the Court of appeal under case No. said 12 U 140/12 crucial for the guile of the insured in particular that application was for the Court discreet thrombosis disease, which after several treatments to partially multi-week maintaining led.

The customer application would need to remember these longer-term sick leave mandatory. The application documents must be completed carefully and honestly, not to risk the later loss of insurance coverage. If you can request frequently also the health status as well as visits to the doctor, or sick leave from his Office. This provides a good basis for the extensive health issues in disability insurance. In case of doubt, the doctors should be contacted. Also important: Individual insurers query only the period of the last five years in regard to the health information. Who was healthy in the last five years, but had previously health complaints, such an insurer could be particularly well suited for the. Independent insurance brokers who specialize in the topic of disability insurance can help in this regard. Under most conditions Elio Moti Sonnenfeld would agree. More information about the topic Www.BU-Kompass.de are available through the Internet portal disability protection. Contact: Bergische Assekuranzmakler GmbH, Lise-Meitner-Strasse 5-9, 42119 Wuppertal phone: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Karsten Wallace image source: olly – Fotolia.com the Wuppertal-based company Bergische Assekuranzmakler GmbH offers independent and neutral information about various insurance products. Our goal is that our customers receive the most powerful insurance products at affordable prices. We want that our customers in the event of damage are satisfied with their insurance company. You need powerful rates from reliable insurance companies. At the same time you should but do not pay more for this protection as necessary. BU-Kompass.de helps you to achieve the optimal price / performance ratio when your insurance products.

Checking Account

For all people with adverse credit, often only the Jedermannkonto remains as a last resort. There is unfortunately not free the account without Schufa. More than 3.4 million households in Germany are affected by over-indebtedness according to current estimates. A large proportion of over-indebted households threatened foreclosures, pay & account garnishments. Back in the mid of 1990s was the problem that for many of these people no checking account to get more was when the Bank announced an existing account after a seizure. The way to a new checking account is however usually blocked for indebted people.

Because for those affected usually a vicious circle opens, in which you can receive no salary payments or pay rent without checking account and also otherwise hardly participate in the economic life, the legislator planned obliging the banks to offer a checking account on a prepaid basis for everyone. The banks came this earlier, this law by their umbrella organisations in a voluntary commitment agreed to offer a credit account in General, insofar as this is reasonable. Consumer groups complain that in practice not all banks in Germany offer a credit account for everyone. A legal obligation exists only in the new federal States without Berlin, Bavaria, North Rhine-Westphalia and Rhineland-Palatinate. If the commitment of the banks actually maintained, is often dependent on the individual officers in the branches.

Denied the account, the Ombudsman schemes of the banks customers can submit a complaint and so try to come to an account. It is important in this context that the Bank may refuse to open an account if there is an unreasonable. This is particularly the case when the customer, abuses the account for illegal purposes such as fraud or money laundering, for example. Of unreasonableness the speech is also if the customer reneges on agreements, if assumed, that he can not pay the fees due or If he harasses employees of the Bank. Also customers who want to use a checking account on a prepaid basis, so no overdraft or overdraft, should compare the offers of different banks. So, not all banks offer Maestro card to those accounts. Furthermore, significant price differences as regards the monthly cost. Also here is: A comparison of the credit accounts of from different banks always pays for itself.

Invalidity Insurance For Teachers

Replenish the small pension patchwork and teachers are increasingly unfit for service. Scientists are convinced that this is due to the increasing strength of the class and the growing share of fuhrte children and young people. Only teachers lifetime receive a pension. This fails but also increasingly less through changes in the law in 2011. A private pension provision by means of an invalidity insurance is strongly advised by experts.

Who needs a private service disability insurance? The invalidity insurance for teachers is a special variant of the well-known disability insurance. Just teachers on trial and withdrawal, but also teachers for life should be not ausser eight this private insurance. Teachers lifetime receive the full officers care for invalidity. Through changes in the law in the past few years the tees were however always further increased. Officials on trial and withdrawal, however, will be in the statutory pension insurance insured post. Here too, a private service disability insurance for teachers is essential if you want to not get into financial difficulties. Invalidity insurance teachers need to consider a lot for an invalidity insurance must be respected on the same clauses, such as for disability insurance. However, there is a difference: the invalidity clause.

In this clause, a professional with a service disability is equated in the best case. In addition, there is still the fake invalidity clause. This is with caution, because then the invalidity is only accepted if she equate with a disability. In addition, there are still clauses to note such as the abandonment of the abstract reference to the insurance guarantee. Does not waive the insurer on the abstract reference is the insured person paid alternative work referenced, but receives benefits from its invalidity insurance. When the insurance guarantee, the amount of pension without re-examination of health can be increased under certain circumstances. So teachers that were previously available matching service disability insurance find it not many providers of invalidity insurance. Today’s market is broad and transparent. Therefore, a comparison of products worth even with the invalidity insurance for teachers. Unfortunately, there is no meaningful test for you insurance. Here consumers can however refer to the test winners of disability insurance. Otherwise teachers did consult also the possibility to have here is an independent insurance expert.

Financial Health

A comparison of the test winner, which helps facilitate the choice of the right private health insurance consumers in selecting the right insurance to the consumer, some independent institutes and the Stiftung Warentest, focus money or Assekurata rating agencies perform regular tests of private health insurance private health insurance. Private health insurance in the test to evaluate the private health insurance companies used a variety of criteria for the test. However that will not compare test of various credit rating agencies and companies, checks because each company in a specific direction. So, the Stiftung Warentest compares mainly the rates of various private health insurance and brings points such as E.g. the service with the result. The map report, for example, has placed its focus on the economic profitability and valued points such as balance, service quality and contribution stability.

Also, the financial test, dieunabhangige Financial magazine of the Stiftung Warentest, was appointed a test winner in the financial test private Krankenversicherung 2011. private health insurance also winner this year 2011 were again the PKV 2011 crowned winner. In the map report test also the DKV and the R + V convinced besides the Debeka insurance. The Debeka insurance could already for the eleventh time the title of the test winner back up. She achieved the best grades in the areas of service and balance sheets.

PKV winner compare using a PKV comparison test winner every consumer can compare easily and free of charge the different test winner. This comparison is useful for almost any consumer, because the optimal health insurance a car don’t maintains test winner for each insured person. The result of the comparison of the test winner is made by experts for each request individually according to the individual.