News Health insurance premiums also for the year 2014: Here is paid

News Health insurance premiums also for the year 2014: Here is paid News always well informed

Monday, 03.02.14 , written by Sabine Temm Already last year you received money back as insured person of a statutory health insurance. Also in 2014 there will be repayments from some funds. But can you benefit from a change from health insurance premiums? What else should you look for? >

Krankenkassen Prämie auch für Wechsler

With these health insurance companies there is 2014 a premium

While there is currently speculation about the future of health insurance additional contribution, some health insurance companies can give with bonuses generously. Thanks to the good economy, many funds have been able to generate considerable surpluses. You will now be involved in these. According to Focus, a total of 22 public health insurances plan to pay bonuses to their members in 2014. Depending on the cash, this means between 30 and 139 euros more in your wallet. Which cash registers pay their insured a repayment, shows the overview below .

You can use the money equally well if you have received a payout, such as for private pension. Under certain circumstances, 5 euros per month are enough to secure state subsidies (at least 154 euros per year) for the Riester pension. Ask for a non-binding Riester pension offer here and use today’s premiums for your financial security tomorrow.

With a change the health insurance premium secure

QDo how many other people with statutory health insurance do you now ask yourself whether you can benefit from such a bonus by switching? In fact , many of the funds pay their premiums to new members – if you switch to a specific deadline. If you become a member of the Techniker Krankenkasse (TK) until around 1 December 2014, you will receive a dividend of EUR 80. Even for the year 2013, the Techniker Krankenkasse has paid such a premium. It is no wonder that TK has since overtaken Barmer GEK as the largest statutory health insurance company. Other funds also attract new members through bonuses. Members of BKK Mobil Oil expect a premium of 120 euros. The hkk pays 100 euros to its members. The big health insurances DAK health, Barmer GEK and the AOK plan however no repayment . They want to put the money into performance improvements.

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Not only premiums are crucial – services also count

Before switching, however, you should check whether the new health insurance offers the same additional benefits as your old health insurance . Barmer GEK spokesman Athanasios Drougias commented on TK’s new top position: “Having the most insured is nice, but not decisive for the competition.” On the other hand, the best service and innovative services are decisive. Some funds prefer to invest their surpluses in an expansion of services and quality of service. A precise comparison of the offers is therefore recommended before a change. For example, about three out of four health insurance companies offer a grant for professional teeth cleaning. But how often and how high this turns out is sometimes very different.

These deadlines must be observed when changing

You must also ensure that a notice period applies. You can cancel for the month after next calendar month. So, if you quit today, you can insure yourselves to 1 May 2014 in a new health insurance. However, an existing membership can only be terminated if it has existed for at least 18 months. Therefore, also applies to Wechsler : They are bound for the next year and a half to the new health insurance.

These for all open health insurance companies offer in 2014, among other things, a repayment:

  • BKK Scheufelen – 125 Euro
  • Atlas BKK ahlmann – 120 Euro
  • BKK Mobil Oil – 120 Euro
  • BKK firmus – 120 Euro
  • G & V BKK – 120 Euro
  • BIG directly healthy – 100 euros
  • hkk – 100 euros
  • BKK Verbundplus – 84 Euro
  • BKK VDN – 80 Euro
  • TK – 80 euros
  • IKK healthy plus – 75 euros

Service: Make a free health insurance comparison here and find out if these health insurance companies offer you the right service in addition to the repayment.

Update 16 December 2014: With the health insurance reform in 2015, the premium payments disappear. Instead, the competition will take place increasingly again on the contribution, as the funds can determine the height itself.

  • Here you will find tips and further information on the statutory health insurance. >
  • Sabine Temm
  • editorial staff

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Car purchase – How to get rid of his new car?

Munich – engine too weak? Car too small? Anyone who does not like his new car after the first jaunt has a problem. The car dealer will not take back the car without further ado and only with considerable deductions from the purchase price.

News / Property insurance

Picture: Taxi Image: © Thaut Images / / Text: dpa / tmn

If a new pair of sneakers pinches and presses at home during the second try, it is returned. Very easily. Most dealers are accommodating and refund the full purchase price. When buying a new car, things look different: Who is dissatisfied then, because the car is too small or the motorization is too weak, this bad buy is not so easy again. The dealer usually only takes the vehicle back from the purchase price with considerable reductions. Even if the car is pristine and fully paid, it has barely miles on the clock and the customer is willing to order a more expensive model as an alternative.

A loss of value is inevitable

“In such a situation, only one thing helps: keep calm, do not rush things and look for alternatives,” advises Arnulf Volkmar Thiemel from the ADAC. When selling a very young used car, a high loss of value is generally to be expected – there is no way around it. However, if you are patiently looking for a suitable buyer for the car, you can at least influence how much money he actually loses in the end.

A loss in value of up to 40 percent alone through the initial registration of a new car on a private holder is certainly conceivable, according to the industry service Eurotax-Schwacke. On average across all vehicle segments, it is around 20 percent, with luxury cars usually losing more than smaller models.

Technically justified, the loss of value is not

Technically justified is the high loss of value of extremely young vehicles without defects usually not, stresses Thiemel. “It’s more about the general appreciation for new things and the special relationship between car buyers and new cars,” he explains. “If you’re prepared to spend a lot of money on your dream car, you want to design and equip the car as you like, and then you’re the only one willing to compromise, even if a second-hand car is reasonably individual, works well, and is as good as new is – he is just almost new. “

The more exclusive and expensive a model is, the more likely it is, because the more concrete and personal the customer wishes are usually, says the ADAC expert. Many buyers awaken a new car very special emotions.

Loss of value is greatest at the dealer

Therefore, with a view to the money, it is usually the worst idea that a new car sales mistake can be reversed directly at the dealer: “The dealer has to find exactly the right customer for the car, especially for a luxury model, which is not easy”, explains Thiemel. The fastest he could resell the car only for a bargain price, and he also wants to earn something. The receipt then gets the first owner with a comparatively measly proceeds.

If you want to deliver an unloved new car to a brand-new car dealership, you have to be prepared for an even greater loss. “Under certain circumstances, the non-brand dealer will resell the car to another dealer, because he does not want to have it on his farm, and he has to calculate this as a businessman when buying the vehicle,” said Thiemel.

Private sale means the least loss of value

Unfortunate new car owners therefore only the more uncomfortable private sale remains. “The easiest way to find a buyer who accepts a second-hand, secondhand car and still pays good money,” says the ADAC expert. It makes sense to explore a good price on the basis of offers in car sales portals on the Internet or in newspaper ads and then try patiently to achieve the maximum price. Especially in convertibles, the season can affect the resale value: In the spring, there is usually more money for open cars than in autumn or winter.

There is no 14-day right of return

A widespread mistake is a fundamental 14-day right of return for goods that are flawless, but the buyer suddenly not like it, says the Hagener lawyer Jörg Elsner. “This applies only to so-called distance selling transactions, which were concluded exclusively via the Internet or by telephone, letter, fax or e-mail,” he explains. And that is in the estimation of Thomas Bradler of the consumer center North Rhine-Westphalia with new car purchases unusual.

In addition, customers should be able to compensate for the loss of value of a product after the cancellation of a bad sale at a distance, so Bradler. Therefore, a car dealer could make in this exceptional case in a new car after the first registration cuts from the original purchase price.

Beware of the private sale of high quality cars

Particularly with the private sale of high-quality cars applies special caution: prospective buyers one should receive already alone because of the four-eyes-principle always in pairs, so that the business cleanly goes over the stage, advises the ADAC. During the test drive, the vehicle owner should accompany the prospective customer. If one agrees to a trade, he best hands out his car and papers only after he has received the sum agreed in the purchase contract. For cash transactions buyers and sellers should go to the bank together and deposit the money directly – there it will be checked for counterfeits. Checks a car salesman prefers to refuse: they can still burst in retrospect.




Consell reiterates the Platform of Affected Housing Aid that will be paid when budget availability is available

Consell reiterates the Platform of Affected Housing Aid that will be paid when budget availability is available

The Platform feels "cheated" after this year 10 million euros have been allocated "when the debt exceeds 250"

The Director General of Public Works, Urban Projects and Housing, Vicente Dómine, reiterated this Monday, after meeting with members of the Platform Affected by Housing Aid, that the payment of housing check grants will be addressed "when there is budgetary availability "

This has been indicated to representatives of this Platform and to the representative of institutional relations of the National Coordinator in the meeting held on Monday. From the Platform have stressed that "only the debt of the housing check amounts to 135 million euros."

The general director has reported on the situation of payment of housing check aid and recalled that during 2013 the Generalitat has paid a total of nine million euros in this concept. He also recalled the commitment made by the Minister of Infrastructure, Territory and Environment, Isabel Bonig, that all housing aid "not prescribe."

Similarly, Domine has also stressed that in the last two years, more than 1,000 Valencian families have received aid to cover bank advances for an amount of 8.4 million euros. In this way, the Generalitat paid the banks the amounts they anticipated for the granting of housing aid, thus preventing citizens from being forced to assume this debt.

Domine explained that from the Generalitat this route was offered to all beneficiaries of housing aid so that banks could advance the amounts of these grants.

From the Platform have recognized feeling "cheated" after this year have been allocated 10 million euros in total housing "while the total debt for non-payment of housing assistance -check housing, rehabilitation and rent- exceeds 250 million euros ", as indicated in statements to Europa Press.

"At that amount per year we can be 30 years to collect what they owe us," said one of the representatives of this group, which has qualified this budget line of "shame, deception and fraud."

From the Platform have pointed out that the General Law of Grants states that to grant aid "there must be a consigned credit, something that has not been done" from the Consell. In addition they have indicated that this law "does not say anything that there is budgetary availability to collect". The members of the Platform have announced "possible legal measures against the Administration because they will not wait 30 years to collect aid".

During the meeting with the general director of Public Works, the representatives of the Platform asked "where is the money that the State paid to the Community and that should go to the people who requested aid for rehabilitation". "Domine has answered us vaguely," they have pointed out.

Payment of aid to the most disadvantaged families

On the other hand, the director general has also announced that in the coming months will be paid all housing aid aimed at families who are in situations of special vulnerability and amounting to one million euros.

The general director explained that the Consell's main priority is to help people who "need help more urgently". For this reason, it created a special aid order in June for which it made available one million euros to attend as a priority housing assistance for families in situations of special vulnerability.

The deadline to submit applications ended on October 31 and Dómine has informed the platform that, to date, 34 families have already received 278,000 euros of this aid. TO

In addition, it has committed to pay the rest of the amount in the coming months, since it is about people who are in "very complicated" situations. For this reason, a preferential payment order has been established according to the resources of those affected and thus be able to help, in the first place, "those who need it most".

Check here more news from Valencia.

Making Home Affordable Loan Modification Program Examples

Payday loans are quick unsecured loans. This means that borrower doesn’t have to provide anything for collateral safeguarding. This increases baths at the lender’s side, which contains the reward for risking your money by charging high rate and charges.

The only question develops when is spot time for consolidating our debt? The easy answer is earlier, the better. We need to remember that financial health of the nationals can undoubtedly produce a financially robust economy & country.

Recently, I started to sing a different tune. I learned within this new program called federal harp mortgage program Program or HARP involving.0. After doing some research, I discovered that this program allows other people, underwater homeowners, to refinance their home. Being underwater myself, I checked out this program and began to research mainly could suitable the HARP Loans regimen.

The state is now enjoying harp loans interest rates today. This has generated houses in Hawaii very reasonably priced. Reasonably priced properties include first, second, and vacation. Tourists flock to Hawaii for its beaches and laid-back growing culture. The same reason two reasons influence them to keep. Additionally, it does not hurt that Hawaii has recognized to have the cheapest real estate markets in the country.

Many consumers are turned down for a refinance loan on their house because conditions for awarding the investment is very rigorous and complicated. To begin with, if you are in arrears for lots of months the chances of you getting a refinance loan are very slim. The solution then to all these stringent criteria is often a loan customization. These types of loans are not new. Nevertheless, the one I must elaborate on here may be the harp refinance program requirements Modification Program or HAMP for short.

Obama excellent socialist cronies are looking to buy your vote by putting you, however, your kids deeper in debt with this spendy new program. Anytime the government wants to aid me, Prepared to wonder how much that guidance is going to cost I am. However, if you are in the industry to avoid mortgage foreclosure with government help because of them for us. If you meet the requirements ahead of time might keep luck prevent foreclosure mortgage this way.

The reason as to why the MHA plan is vital is derived from how may working with useful services for if you do not know people when having foreclosure troubles. May perhaps possibly stop a foreclosure by offering refinancing titans people with underwater home loans. It is also giving money to states that work to prevent house. This is being done with the help of grants to the countries.

A word of caution, though. When you get to a plan of debt consolidation, just be sure are not tempted to further buy on credit, and grab into a deeper jumble.