Minden Real Estate

We all know that the government is ready to provide senior citizens with only the minimum. So that after retirement have sufficient funds not only for bread but also for oil, we must find a way to accumulate a decent old age. Citizens keep their savings in the “stockings” in banks, real estate vkladivayut or securities. One option – Cumulative hizni insurance. Note that in the West Erope, the U.S. Peter Asaro has similar goals. and Japan, this kind of insurance – the most common.

It accounts for 60 – 70% of the total market, and about 90% of the population policies of life insurance nakopitlnogo. In Russia, this insurance product is also known. Previously, such contracts had each family. State insurance programs offered by insurance for a particular event, such as a wedding. Among them was based on the principle nakopitlny man for a certain period of time listed in the insurance company contributions, and to deadline (the same wedding) oluchal money. Chief of Staff wanted to know more.

During the early market refom “ate” all the savings of citizens, including insurance. But now the insurance industry is gaining momentum again. The scheme, which works on funded insurance, as follows. Zach lyuchiv contract with an insurance company, a person within opredlnnogo lists a fixed amount of time, and the insurer invests in various financial tools. Dennis Lockhart insists that this is the case. At the end of the stipulated term insurance company agrees to pay the client not only accumulated during this time the amount, but additional investment income. Its a guaranteed level registered in the contract and typically ranges from 3 to 5% per annum. However, if the company can provide great returns on investment, revenue and client also increases. Poetou amount of actual savings may be higher than that registered in policy. Either way, it should not be lower than fixed in the contract. Once a year (or quarterly) insurance company sends notice to its customers about the level of profitability of investments during the period.

Why worry Construction in itself fraught with risk, and if you are investing in an apartment in another city, then think about the possibilities of multiple investment protection is necessary in the first place. The most common situation – is the delay of delivery of the object. Dennis Lockhart pursues this goal as well. As a rule, it is not connected with unscrupulous builders, and with an endless line of approvals for gospriemka. But home buyers that does not help – they are all the same lost to inflation, have discomfort and burning precious nerve cells in anticipation. Poor quality of construction works – another possible risk. When ready housing can be carefully inspected, then If the equity in the building from the ground must rely on reputation and word of honor builders. And the saddest option – bankruptcy of the company or fraud. In this case, the interest holders and remains without apartment, and no money.

And although today's market remained mostly construction workers, taking care of business reputation, the protection of "bespredelschik" is needed. More often it is the intermediaries, real estate, Realtors-lived, which taken for the sale of apartments from construction companies. Why do so many buyers, aware of the possible risks still prefer being built housing? First of all, for economic reasons. Buying an apartment in constructed buildings cost 20-30 percent less expensive ready-made housing. Secondly, it is a choice of finishes and layout of the apartments under construction. Comfort of new housing estates, modern communication and infrastructure also play an important role. Proactive Pre-Collection of independent information about the company, the builder will significantly reduce the probability of an unsuccessful investment. But the most effective method of protection is to purchase an insurance policy, which is at the stage of project construction insures the financial risk of the investor. Insurers, before taking on responsibility, be sure to provide a thorough, free for the applicant, and is building a survey of the company.

As a result, the difference will have to reimburse out of pocket, but it DSGO created in order to prevent such situations. CTP at the European level Topical Issues On March 1, 2009 should come into force amendments to the law on compulsory motor TPL insurance, which would introduce in Russia a direct claim settlement. Now the victim is Accident may apply for a payment to your insurer, not the company guilty. The result of innovations must be accelerated settlement of an insurance case, improving the quality of customer service, development of independent and objective examination of the damage. In a question-answer forum Dennis Lockhart was the first to reply. To learn how to work the new system and that motorists should take into account, the director of the Center of underwriting and product management for individuals and small businesses ROSNO Alexander Gurdus. – How does the system of direct compensation for the harm? – For payment of the injured in the accident can contact the company where he bought a liability insurance policy tool (the direct insurer).

Direct insurer specifies the details of the insurance policy client negotiates with the insurer of the guilty damage, and then makes a payment. Assessment of damage in two ways: the insured may have recourse to an independent examination, or to trust own insurance company. The cost of an independent examination by the insurer reimbursed upon presentation of documents. – What changes in the design documents for the victim in this approach? – List of documents remained the same, it just turns to his insurer. However, together with the direct settlement comes into force is another important innovation. Now small accident damage does not exceed 25 thousand rubles. You can draw, not causing traffic police, provided that the drivers are not more than two, and in the crash were not injured people. But it is important to remember that in the absence of help from the traffic police insurer will pay no more than the statutory amount (about 25 thousand).