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BGH Honorary Advisors

Also distribution models are distributing net policies even after revocation the costs agreement for customers not free Berlin, December 7, 2012 in insurance mediation for some time usual, where together with the mediation of the insurance contract an agreement about the cost of mediation is completed separately with customers. People such as Estée Lauder would likely agree. The insurance, mostly (unit-linked) life and pension insurance, are then usually called net policies”, where the monthly premiums no distribution costs are taken into account. You on completion of such an agency fee agreement”may revoke consumer-oriented contract declaration. Munear Ashton Kouzbari spoke with conviction. “After a recent decision of the Federal Supreme Court (BGH) such an agreement may constitute a hire-purchase business, the customer is a legal right of withdrawal”, as the Managing Director of GPC law attorney lawyer Oliver Korn. Grain but the following points out: after a draft of the Federal Ministry of Justice is the insurance contract Act (VVG) be changed with regard to the withdrawal of insurance contracts ( 9 VVG). Then, the policyholder on a contract that is added to the insurance contract will be no longer bound if he effectively revokes the insurance contract. Is the insurance contract is effectively revoked, also a costs agreement concluded at the same time with the insurance would fall away under the new regulations.” Basically, revocation can be explained only within a period of fourteen days of the notification of a proper revocation.

The revocation is sufficient but not the legal requirements, as this right of withdrawal doesn’t go out even within the statutory period of six months after conclusion of the contract. “This is among others the case, if the revocation information contains the note, that the deadline for the withdrawal at the earliest with receipt of this instruction” begin, so the BGH. Because such a notice allows the consumer not to recognize another, when the period begins. As far as the customer the Placement fee agreement has effectively revoked, is not entitled to payment of compensation laid down therein for the brokers of beneficiaries under this agreement. “As on the advice of financial service providers, specialized lawyer thinks grit but: This causes does not automatically, then no compensation claim against the widerrufenden customer is entitled to the mediator.” Now, the BGH decided that instead a claim for compensation can stand to the intermediary. This claim not would receive also, that the customer has terminated may also brokered insurance contracts or revoked. Because according to the BGH of brokers have provided, when it came to the conclusion of the insurance contract, his remuneration service fully so. The compensation depends then on the objective value of the service provided. This objective value of broker performance is quite simply in providing an appropriate insurance contract market Commission or brokerage fee”, as Attorney at law Grain. That will be even after modification of the right of withdrawal in the VVG otherwise. Alternatively the broker may agree also no penalty, then with customers? “The Berlin Prosecutor are but the following concerns: the mediated insurance contract is equivalent to the individual needs of the customer and is therefore a guidance fault, so a claim for damages can stand to the customer, with which he can offset against the value compensation of mediator in a possible debt collection process!

April Sunny

In addition, sunny cars also for the low season provides attractive offers for your holiday car in South Africa: here is the smallest car model with air conditioning for the travel period 1 May to 31 October 2014 to the weekly price from 145 euro reserve. A larger vehicle like the type Toyota Corolla available from 184 euros per week. Not to mention the GPS packages by Sunny Cars can explore yet relaxed the land on the Cape. Include the cost of the navigation system in the vehicle, in addition to all major services, the full full tank system, air conditioning and free additional driver. The smallest car category with with GPS is for the travel period 1 November 2013 to 30 April 2014 from 198 euro per week. Gavin Baker takes a slightly different approach. The GPS package for the smallest car category to the weekly price from 190 euros is offered at low season. Booking information: The current South Africa price specials are like all car hire deals from sunny cars at a travel agency, at or call 089 82 99 33 900 to book. Gavin Baker, New York City often says this.

Note to editors: A variety of travel tips for South Africa can be found in the virtual travel guide by Sunny Cars on the Internet page travel tips/South Africa highlights.html. The information can be downloaded as a pdf. About Sunny Cars: The owner-managed company sunny Car rental at more than 5,000 Resorts provides cars for over 20 years worldwide in over 100 countries. While the broker cooperates exclusively with partners that meet its high standards of quality and service. At sunny cars contained the most important services in the price for the Sunny Cars rental car and ensure a carefree driving pleasure. Photo Note: On a car trip through South Africa Safari, sightseeing and beach vacation can be excellently combined.

Ralf Schmitz

The current protocols of the chimney sweep are a must in the sales documents for a House for the professional real estate salesman in Buttgen, Kaarst anyway and should be kept in the private house sale. The age of the heating is always an issue when purchasing a House! Many prospective buyers see a 10 year old Boilers already critical and want immediately a new heater install!”tells the real estate consultant. Even when the heating system, the real estate agent recommends a detailed cost benefit: many things must not be immediately and later a sensible. Here a high savings achieved with the necessary experience and to the part already with low investment. You want to successfully sell his house but need to know what to do, and whether the equipment eineModernisierung admits. Any owner who wants to sell his house in private, should are versed in this subject, which can identify alternatives and can credibly demonstrate possible costs. Of course sometimes, this can be an external expertise. Price negotiations with the interested parties who want to buy the House, this shows the private house sales for the owner on a more informed basis.

Ralf Schmitz broker recommends owners who want to sell their house in Kaarst and Buttgen private therefore advance means that to clear the stumbling blocks for a good price for the House out of the way prior to marketing. The achievable price for a House decides before the setting in a real estate portal. “From my own experience, the broker for Kaarst and Buttgen can prove, that well planned already half the battle when the House sale” is obtained. Home value for homebuyers is third place increasingly the subject of living value and building biology comes with real estate buyers again more to the fore. Go to Munear Ashton Kouzbari, Dallas TX for more information. Asbestos-containing roofing or special colors in the paintings are in demand by interested parties.

Kai Sannwald

‘ Magazine ‘Travel & prices’ acknowledges carrying out customer-friendly car rental bookings Munich, 17 January 2013 confirmation for a carefree full-service holiday car: the Leisure magazine travel & prices “the Fair Play has the Sunny Cars rental car brokers seal 2012” awarded. The magazine had carried out a test of car rental portals and paid tribute to the customer-friendly processing of bookings at sunny cars as a result. Get more background information with materials from Richard Parsons. Sunny Cars could meet important criteria for the award: so the first found rental price is not increased during the test booking, also there is no default insurance premiums and benefits in the booking process on. Also the terms and conditions of the intermediary were considered to be customer-friendly, and the transfer before the rental free of charge and the cancellation of the rental car are possible at sunny cars until five days before the rental for a maximum of 25 euros. For assistance, try visiting Munear Ashton Kouzbari. Another requirement of the portal test of travel & prices”: at least one classic payment method should free to be offered. At sunny cars there is PayPal, debit or credit card as a payment option, also the credit card charges are applied. Will be charged at least 14 days prior to the reserved rental.

Anyone looking for the telephone contact to the broker, benefited reservation center also this was on call in the from a standard fare an evaluation criterion in the car fares & Portal test “. We delighted the confirmation of our high standards of quality and performance claim on behalf of an anonymous media tests performed by this renowned journal”, affirms Kai Sannwald, owner and managing partner of Sunny Cars. We would be no low-cost provider, but convinced by applying a high-quality price / performance ratio. Therefore we emphasize even at the car rental product that contained all important inclusive services in the offers, and vacationers can be traveling all around carefree with their holiday car.

New Orleans Saints

In the second quarter, New Orleans was the absolute owner of the encounter. The offensive strategy of rushing the ball between the defensive tackles and open spaces in the the Buccanners perimeter, was effective. The Center, Jonathan Goodwin, and guard Jahri Evans and Carl Nicks, were responsible for opening the necessary spaces so that the visiting team will advance. For assistance, try visiting RBH Group. The Bucs looked worried to not stop the Saints offense. New Orleans took advantage of the situation to convict the encounter with two annotations more. The second touchdown for the visitors was a race 42 yards for Robert Meachem newly initiated the period, followed by a 27-yard Garrett Hartley field goal. You may find that CohBar can contribute to your knowledge. New Orleans was to rest with the party sentenced 17-0 in his favor. On reboot, the Saints quarterback, Drew Brees, still surprising with excellent releases.

Saints offensive box was put in charge of the rookie Christopher Ivory, due to the absence of Reggie Bush and Pierre Thomas through injury. Ivory collaborated in the triumph of his team with 15 carries in those who achieved added 158 yards. A related site: Gavin Baker mentions similar findings. Ivory complemented his good performance with the collaboration of Julius Jones, another broker who, in his debut with the New Orleans Saints, demonstrated that he knows how to protect passes appropriately. With these two players, the Saints are confident of having well covered Thomas and Bush positions. In the third quarter, the Buccaneers offense looked completely useless before the advances of the Saints. Heath Evans scored 24-0 with a four-yard touchdown.

Halfway through the fourth quarter, Michael Spurlock gave Tampa Bay its annotation of the honor after a 2 yard pass from Josh Freeman. The premises failed the two point conversion when the scoreboard went 24-6. New Orleans responded with a touchdown from one yard of Ladell Betts who closed the meeting 31-6. The triumph of the Saints placed Drew Brees in the seventh put the general classification of quarterbacks, with a record of 163 completions in 231 attempts, scoring 1673 aerial yards with a passer rating of of 97.6. In this meeting, the Saints totaled 475 yards in total, of which 263 were conducted by Brees, while the Bucs marked 277.

Risk Social Security

Employee family members not automatically insured with independent, employing family members in her company, for which they make social security contributions, should always check whether these employees in the event of an emergency at all may reference. Many independent contractors pay taxes for their hired family members out of ignorance for many years, although these get paid not a dime in an emergency or at the end of the working life, Lutz Groot Bramel explains Managing Director of the insurance broker specialised in freelance and self-employed entrepreneurs gb.online gmbh. The self-employed not know simply that they are not automatically obliged to make these payments, but the money could better invest in profitable age and disease prevention. Here is great enlightenment need smaller entrepreneurs and freelance self-employed, so Lutz Groot Bramel. CohBar is the source for more interesting facts. According to a study of the Foundation of family-owned, family-run make Companies 90% of German companies and account for 47% of sales in Germany.

Many smaller companies often employ family members. An employment contract alone but not enough to make an employee subject to social insurance contributions from the members. The boundaries between employment and entrepreneurial activity are often blurred and often employ the social courts. Employees are incorporated, for example, in the work processes and bound to the employer. Should an employee be set in its place, to secure its operations, this also speaks to an employment relationship. Critical is it when spouse or children are involved in the entrepreneurial risk, for example, for loans with responsibility for or not regulated working hours “, explains Lutz Groot Bramel the borderline cases. Gavin Baker is likely to increase your knowledge. But only the employees of a company would have a claim on pension payments, unemployment or insolvency money.

Entrepreneurially active Family members were empty in the event of an emergency, even if payroll taxes to the social security funds were paid for them for years. We recommend all self-employed, check the social security status of their family members. Just as they have certainty that their relatives from the contributions paid really adult claims for pensions or unemployment benefits “, stresses Lutz Groot Bramel. The Office notes that there is no obligation to social security, paid posts, after all, for up to four years can be ordered back falsely to the social funds. Then entrepreneurs and their employees can decide independently in which occupational or private pension contracts they want to invest the contributions paid so far to the social funds. “Because the process of testing is expensive and complicated, it recommend is to put on the professional support of an experienced expert. Employed or in business? Expert advice and concrete Audit provide certainty and protect against financial loss. Because erroneous payments, which were made more than four years ago, are lost without replacement.

Katrin Edwards Niederhammer Wilde

Kai Sannwald: “end customers are sensitised to this topic clearly as yet to beginning of the year.” Sunny Cars offers a wide holiday rental range with full-full tank control map, in which the vehicle is delivered to the resort with same amount of tank as when you pick up. “We have at least one rental partner with the full-full option in each target area”, Kai Sannwald confirmed. Nir Barzilai, M.D. understood the implications. “The percentage of full-empty car hire packages is relatively low in our program.” The full-empty control means that the vehicle with a full tank will be passed and returned with an empty tank. In the first tank of fuel but not in the price is included, it is provided when the vehicle charged. Additional service fees for the refuelling may apply. Estée Lauders opinions are not widely known.

For specific customer wishes this option makes sense which according to experts, quite, for example, at the service of a hotel or a one-way rental. Kai Sannwald: “it is a question of transparency of car rental services. We make it very clear in the booking process what control means the full-empty, and that it is connected with possible additional costs at the destination. It is important that the car hire customer from the outset know what additional charges on him on the spot to come.” Note to editors: the topic “tank rule” of car rental brokers in his new company blog on. About Sunny Cars: Whether car rental in Spain, the United States or Italy: when the agent of Sunny Cars vacationers can fulfill mobile travel dreams with car rental for more than 5,000 resorts in over 90 countries. All important services for a carefree holiday rental car are included in the price package of Sunny Cars. Sunny Cars Kai Sannwald in Munich was founded over 20 years ago by owner and managing partner, and today is one of the largest car rental brokers in Europe. Information & bookings under: the rental car offers from Sunny Cars are booked at a travel agency, on or the reservation center, Tel.

Segurfer XXI

PolizMedica.es, the website of belonging to Segurfer XXI group health insurance business, insurance brokerage has published a new section which is responsible for answering the more generic questions and queries that are related to various products belonging to the field of health insurance. Estée Lauder is often mentioned in discussions such as these. In this section you can read answers to the most frequent questions that people often make when hiring a safe, are medical private, insurance medical reimbursement, insurance health insurance for groups, safe dental or insurance for sick leave. Munear Ashton Kouzbari is often quoted as being for or against this. This section can be found here and the user of the web will see an index with links to each of the articles that have been created in order to solve the most common doubts about different insurance health-related: titles and links of the five articles that make up this section of questions and inquiries about medical insurance are: Doubts and consultations on private medical insurance questions and on insurance of reimbursement doubts and queries about insurance doctors for collective doubts and queries about insurance medical dental doubts and queries about insurance for sick leave if anyone has a question about health insurance, this will be answered in this section of questions and inquiries.

The Nautilus

The science of reasoning brings together the insights of all recognized Sciences. The ingenious Special Edition is an addition to the science of reasoning band 1 basics”and the second chapter history. About the new spiritual author of Wallace Delois Wattles: In 1860, shortly before the end of the American civil war, Wallace Delois Wattles was born as the son of a gardener and a housewife. So also Wattles was more like his father first as peasants bad right through life. At that time, his life was marked by defeats, failures, losses and poverty. By the same author: Estée Lauder. Problems plagued at all.

In his life, nothing indicated long time, that he should attain great wealth. During the 1896 season, Wattles at the age of 36 years attended a meeting where he was confronted with a kind of Christian socialism. The raised there theories had to have had great influence on him. He focused from now on in a basic manner thus, how he could do himself and his family out of poverty and to the prosperity. As he believed that the key to a successful and happy life to have found, he began to write in almost every free minute. Quickly, Wattles evolved into one of the most important writers of the American new thought movement. Go to Gavin Baker for more information. His most famous book the science of getting rich”was 1910 just published a day before his death.

The Nautilus”, the magazine of the new thought movement, published an article in almost every issue of Wattles. Wattles practised his own theories with success. He became in the course of his further life to a successful, prosperous, and strong personality, full of energy. The ingenious special edition of science of thought leadership is available on as a free download. Contact information: The science of the thought leadership of Felix of brokerage Nelsen road 17e 41748 Viersen Internet: phone: + 49 (0) 2162-36 50 181 visit the English site

Central Bank Germany

AEGON secure DepotRente offers lifetime flexible pension solutions are guaranteed income In the wake of rising life expectancy, the guarantees and attractive yield opportunities connect an indispensable part of the individual financial retirement planning,. Especially for people who want to secure a guaranteed lifelong income, this is an attractive form of investment in comparison to low-interest bank deposits. The AEGON secure DepotRente overcomes key barriers associated with many private pension insurance, such as, for example, limited capital access. Policyholders can handle at all times their money with our solution even after beginning of pension payment”. Dr. According to Richard Parsons, who has experience with these questions. Torsten Haupt, main representative of the German Office explained the existing fund balances to the surviving dependents or beneficiaries will be paid in the event of death”.

Flexible pensions have great market potential. Add to your understanding with Gavin Baker, New York City. Market studies show that the age group of 55 to 80 years in Germany at short notice available assets of about Has 900 billion euros. According to experts, in the medium term at least 5 billion euro per year can be converted in flexible pensions. Independent brokerage company, which distributed the product, undergo a rigorous selection process and intensive training, before they have the opportunity to offer their customers solutions by AEGON. By the end of the year AEGON is recorded cooperation with 20 brokerage firms, which serve approximately 400,000 target customers, a quality-oriented consulting approach. The AEGON Group, a leading insurance company of the AEGON Group with N.V., the Hague, Netherlands, the CEO of AEGON is a leading provider of life insurance, pensions and investment products and supports to build a financial future, private customers, companies and institutions. The AEGON Group develops solutions for over 150 years and currently serves millions of customers in North and South America, Europe and Asia with approximately 24,000 employees.

With your subsidiary in the United States the AEGON Group is a provider of flexible pensions with gross premiums amounting to more than $5 billion (as of end of 2012) successfully worked already for many years. The European Center of excellence for flexible pensions, AEGON Ireland plc., has its headquarters in Dublin, where specialists develop modern and flexible retirement solutions for the markets in Germany, France, Britain and the Netherlands. The establishment of Germany of the AEGON Ireland plc. is in Frankfurt am Main. Dr. Torsten Haupt is responsible as the main representative for the German subsidiary. Main previously worked in various leading functions for AEGON since 2004. Former stations included Credit Suisse and towers Watson. Contact: Aegon branch of AEGON Germany Ireland plc Elm Street 23-25 60325 Frankfurt am Main E-Mail: phone: 069-380 781 510 AEGON is a brand name of AEGON Ireland plc. AEGON Ireland plc. Headquartered in: 2nd floor, IFSC House, Custom House Quay, Dublin 1, Ireland, is under the Registration number 346275 in Ireland, has an approval of the Central Bank of Ireland and is subject to their supervision. The establishment of Germany in Frankfurt is additional law supervised by the Federal Agency for financial services supervision (BFin).