Outlook for Stuttgart remains stable Stuttgart, September 21, 2010 the international rating agency Fitch Ratings attested a.G. also in this year a high financial strength of the Stuttgart-based life insurance and confirmed the ‘A’ on September 16, 2010-rating of the Swabian insurer. Fitch considers the Stuttgart in the Outlook of the insurer financial strength ratings than ‘stable’. As reasons for the renewed award of the coveted seal of financial strength, the rating agency called the strong recovery of the investment results of the Stuttgart in 2009 compared to 2008. The net interest of the insurer recovered again in 2009 to 4.56% (2008: 3.46%) and were thus above the market average of 4.2%. The solid cost – and risk-results of the Stuttgart, which can be reflected, for example, in the low compared to the market average administrative expense ratio of 2.46% remain crucial for the good rating for Fitch. Also highlighted is the balanced mix of new business.

Map report also attested to the Stuttgart in the recent German life insurer m-rating (08/2010, no. 746-747) has very good services and this acknowledged with the award of his industry’s coveted ‘mm ‘label. Succeeded in the insurer even to strong six ranking positions (2009: 15th / 2010: 9th place) to advance. The latest rating results confirm once again the Stuttgart in their strategy. Consistently through the cooperation with free agents and brokers with a range of competitive, top – rated products to put on quality.

Financial test checks the Riester pension. Private pension plans is in the times of economic crisis, almost no longer indispensable of the weak euro and rising costs. Many opt out of fear, the statutory pension could cover no longer all costs in age, for additional protection. Finanztest has tested various Riester insurance. The finance portal geld.de informs what is to be considered at the conclusion of the contract. The so-called Riester pensions (riester-altersvorsorge.html) is undoubtedly one of the most commonly chosen private pension insurance. Important incentives are government support, as well as the guaranteed minimum interest rate.

Generally interested parties should be aware, that they each month in the position must be, to pay their contributions. Because the amount of the supplementary pension depends on that for many years regularly will be paid. If this is not possible, it may happen that little is left of the expected supplementary pension. A major disadvantage of many policies is the lack of awareness on the part of insurers. So, some insurance companies conceal the amount of guaranteed pension which is the insured person of great importance. Finally the customers opt for a Riester pension, to receive a guaranteed pension. However, the Riester pension at appropriate fare choice represents a good and reliable addition to the pension plan.

The Federal Government wants to facilitate the change in the private Krankenversicherung (PKV) for the new year again some car company warranties. So far, employees had to earn three years above the year work pay line to move in the car. This scheme is to be abolished now. The change of the law in the private health insurance on 01.01.2011 should be possible again by unique exceeded of the year working pay limit of 49.950,-euros. The private insurers have already responded and give guarantees, should attract the OOo.

So can now conclude a contract on 01.01.2011 more deserving and so as soon as possible secure for themselves the advantages of private health insurance. In the event that the legislature does not implement the planned legislative amendment, the private insurers offer different options: so might the health insurance application is rescinded completely. Alternatively, some insurers offer the possibility, in a To change option tariff: This means that the customer initially remains in the legal office, but a right to vote can secure themselves. Thus you can at a later time without having to switch health review in the PKV. The changeover in a supplementary insurance to the statutory health-insurance fund is also possible, to secure quality health care, such as the single – or double room in the hospital, and chief physician treatment, also as a cash patient. When selecting the appropriate provider, OOO should however carefully check what insurer they choose.

In addition to a good price / performance ratio, you should respect above all on the terms and conditions, as well as the contribution of stability of the insurer. Due to the long term rising health-care costs will be tended to with rising prices. Therefore such companies, which long term successful in contribution stability, so that the posts in the age remain affordable are highly recommended. Contact: Bergische insurance Broker-Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 PKV.young-insurance.de contact for the press: Karsten Wallace image source: Yuri Arcurs / fotolia.com the Bergische insurance brokers diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker founded. With the Internet presence of young Insurance.de the company specializes on the needs of private individuals and professionals, who would want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies. Bergische insurance broker has connections to more than 100 different insurance companies. There are special rates available for various professional groups such as students, trainees, graduates, or certain traders. In addition are also comprehensively all other ages and professions, fair, independent and competent advice. Since 1998, the insurance industry operates, customers over the Internet by phone, and supervised by post – the quotations as well as in the event of a claim. The strength of the Bergische insurance brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.

From the 27th to the 29th of October you will find savings days concerned EC is held in the Volksbank Oldenburg on October 29, 2010 at the Volksbank Oldenburg. For 83 years, the Volksbank puts the investment, asset accumulation and the responsibility for their own plans in the consciousness that day for young and old. “Saving the Germans remains high the desire of the Germans to save, is unbroken”, explains Reinhard Nannemann, Board of Volksbank Oldenburg. In relation to disposable income the citizens have no longer saved as much last year as since 1994″, explains Nannemann. So, the share of savings to disposable income had increased the so-called savings in 2009 from 11.2% to 11.3%, as revealed by a recent study of the Federal Association of German Volksbanken and Raiffeisenbanken (BVR). The savings efforts of German households remain so pronounced. The savings trend noticeable positive among us”, as Reinhard Nannemann.

Moreover, customer deposits and on-site restaurants are Bearer bonds at Volksbank Oldenburg EC by the BVR backup equipment to 100 per cent and countries indefinitely protected. Saving at a young age learn saving needs to be learned. Therefore, Volksbank Oldenburg also supports parents in their children’s financial education. The next generation is therefore invited to empty the own piggy bank with a parent and to bring their money to the Bank. The consultants and advisors of the Volksbank explain love, like saving the youngest works and helping to open the first your own account. With the VR MeinKonto, the Bank of China offers a growing”account.

Here are the advantages to the hand, because the VR MeinKonto can be completed from the first year of life and adapts to each child’s age phase: from the savings account it become with advancing age the learning and pocket money to the youth giro account to young, flexible and convenient! Saving is rewarded as always and in good tradition on the world savings day and the days of austerity, the industrious small savers will be rewarded properly by the people’s Bank. Wait for the little ones in this year the plush animals Ed & Fred”and the cool kids backpack”. Of course, not the large colorful air balloon as well as the sweet Schokotaler is missing. But also the pupils and students are greeted with a great surprise. Everyone has something that drives him”- the piggy bank or the savings can pack up and set off to the Volksbank on the spot. Press contact: Volksbank Oldenburg EC Mr Helmut Bischoff road 8/9 26122 Oldenburg