Search results for: D

Risk diversification & asset protection

Published on:

Diversification: How to safeguard assets in the long term For those who handle their assets responsibly, risk diversification is a must. Not only since the financial crisis of 2008, the real estate crisis or the last oil crisis, we are aware that our assets and savings in the savings account are not necessarily safe. World […]

Gift tax and inheritance tax

Published on:

How to protect your assets from gift tax First of all, it is important to clarify the question of why such a bizarre-sounding tax as the gift tax is actually levied in Germany. The widespread belief that one can freely dispose of one’s own property and private assets, which have already been severely affected by […]

What is the cost of turning employees into contributing family members and back?

Published on:

– Case by case EUR 50,000, insolvency or three years for fraud or tax evasion –   Social security clearing as a pernicious fraud scheme Already to 05.05.2006 took place in Munich the first symposium for the recovery (also allegedly) wrongly paid social security contributions for mediators of all kinds from the insurance industry. The […]

Benefit regulation of the private health insurance (PKV) after desired treatment success

Published on:

– Unlawful denial of benefits based on lack of medical necessity –   Some employees of benefits departments in private health insurance are engaged in strategic claims settlement for potentially up to more than nine million private health insurance policyholders. This means that one ignores if necessary also the supreme court iurisdiction and by own […]

Drying up of life insurance – too few investment options for too much money

Published on:

– Why life insurance has outlived its usefulness as a capital accumulation vehicle –   Wim Duisenberg, ex-president of the ECB, when asked how he invests his money: “Personally, I’m in the fortunate position of having no reserves.”   Statistically, up to more than 80 million German citizens own more than one life insurance policy. […]

Even minor speeding changes the liability rate

Published on:

– When claims settlements by insurance brokers and car insurers are flawed -.   “There is also no rule according to which a certain speeding is insignificant,” formulated the OLG Frankfurt/Main in a recent ruling of 15.04.2014 (Case No. 15 U 213/13). The “too fast plaintiff” received a quarter of contributory negligence in the second […]

All-risk insurance of residential buildings and contents – a marketing gimmick?

Published on:

– Why everything is never insured against every conceivable risk –   When an insurer describes its product as “all-risk insurance”, this sometimes resembles the advertising promise of “guarantee certificates”: A close examination of the policy terms and conditions may reveal it to be “marketing cheese with massive holes” in the insurance coverage   Coverage […]

Optimisation of widow’s pensions for compulsory members of pension schemes

Published on:

– Possibilities of structuring pension assets in pension chambers –   The Higher Administrative Court of Rhineland-Palatinate (OVG Rheinland-Pfalz, judgment of 26.05.2010, Case No. 6 A 10320/10.OVG) already dismissed the action of a doctor who wanted to have it established that his wife would later be entitled to a widow’s pension from the pension fund. […]

Chamber professionals expect the abandonment of the expectancy procedure in the pension funds

Published on:

– Why the capital market with compound interest effect does not allow us to expect higher pensions –   For years, insiders have been reporting difficulties in the pension funds in generating the promised returns to finance pensions. While the management of a Versorgungskammer used to pat themselves on the back year after year because […]