Every homeowner should have a properly equipped homeowners insurance exactly what is meant by a homeowners insurance and what kind of real estate can this form of insurance be completed? Homeowners insurance is a general insurance, which belongs to the insurance form of building insurance, which is divided into two different forms, one commercial building insurance and homeowners insurance of. A distinction is made in the respective building insurance form especially the applicability. Requirement for graduating from the homeowners insurance is that to live useful purposes the area share amounts to at least 50 percent. This matter especially when mixed-use real estate a, if a housing units and on the other hand, for example, in the ground-floor level offices, shops, one commercial units, for a larger real estate, in the buildings to be insured or gastronimsche businesses and serving flats located in the above floors to the lodging and accommodation of people. In situations of building the commercial floor space proportion exceeded 50 percent, the commercial building insurance is necessary. Typically, a homeowners insurance as a so-called connected homeowners insurance is completed. This means that the three types of insurance, fire insurance, insurance of the tap water, and storm – and hail insurance in an insurance contract are connected in the form of this contract. Following dangerous bubbles and risks are hedged by these three types of insurance, any damage, fire insurance fire insurance secured, which damage the insured buildings and of building elements either by fire, lightning, explosions and implosions, as well as the impact or the crash of manned aircraft, destroy or get lost.

Tap water insurance covers the insurance of tap water all damage inside and outside of the insured building arising as a result of the effects of frost, for example, breakage of water lines inside of the building, as well as supply and sewer pipes outside the building. Windstorm and hail insurance In the insurance coverage of the storm and hail insurance be secured all damages, which in a storm event with a maximum wind speed of 8, as well as hail precipitation occurred. For example, a tree is twisted by the gales and damaged parts of the facade of the House, or other building components. All damage caused by so-called acts of God, such as, for example, scree or snow avalanches, earthquakes, Earth cuts and landslide, volcanic eruptions, as well flood are excluded from the insurance coverage of homeowners insurance. To cover these risks, the residential insurers provide an additional police in the form of “elemental damage insurance”. To what extent the degree of such additional Elemtarschadenversicherung is useful, is located on the respective region in which resides, for example, mountain regions, the buildings to be insured, or Riverside. Due to the low cost (these are usually around 50 euro), which are connected with the additional protection of elemental, it is generally useful to include these in the homeowners insurance.

Press release of the febs Consulting GmbH, 16.11.2010 at the 12.11.2010 position the BMF has effected to the outstanding tax issues with the pension rights adjustment in pension funds and pension plans. Thus, all essential questions have been resolved, so that U funds can easily implement the internal division of endlich”forward Andreas Buttler, shareholder Managing Director of the consulting firm febs Consulting GmbH. compensatory at the back covered U cash as expected are the beneficiaries of the compensation in the future district of tax recognised pensioners. For them hence donations can be geleistet but only running, amounting to constant or increasing. Single premiums of the employer are possible only at the external Division. At the internal Division, the employer has no way of refinance the rights acquired from the Division of the person entitled to compensation against paying a one time fee. The practice is however also not necessary”explains febs Chief mathematician Manfred Baier, because when a congruent reinsurance money can be taken from the existing insurance”.

Financial management allows such a collection to finance a new insurance for one time fee for the Ausgleichsverpflichteten so. However, this new Versicherung must be completed with the same insurer. Yet to downsize, to remain at the end so the employer can finanzieren this against regular premium. Read more from Richard Blumenthal to gain a more clear picture of the situation. Overall, the procedure is quite feasible. Affected employers and workers should leave the implementation of not only of the U cash. The febs experts recommend all concerned to maintain in particular the burden of costs in mind. Because theoretically the insurer might charge cancellation fees and new acquisition costs, as well as apply the current low assumed interest rate for the new contract. And the U Fund could try to raise additional Division or administrative costs from the employer.

Supply balance for the pension commitment The BMF has governed very practical also the tax implications for the Division of pension benefits. The existing commitment to an active employee is simply divided into the result in a reduced commitment to the workers and a new commitment to the divorced spouse, tax is taken into account as a vested retired workers. Fortunately, the financial administration has waived tax complicated arrangements”explains febs Chief Manfred Baier. Of course the new regulations now be taken into account in all the febs Academy seminars, such as in the annual kick-off events bAV challenges 2011 “. Information and registration see seminars. Your contact of febs Consulting GmbH in the high field 3 Andreas Buttler 85630 Grasbrunn/Munich Managing Director Tel. 089 / 890 42 86-10 febs-consulting.de as independent experts and certified pension consultants advise we employers in all questions around operational Pension and TimeValue accounts. We analyze and refurbish existing power plants, create actuarial opinion of balance of and assist employers in the implementation of the new balance of power.