Save money by changing your insurance policy

Berlin – Many consumers are insured far too expensive. They spend more than 1,000 euros too much for their insurance coverage. But there are insurances that are just too important for the right insurance portfolio to just give up. As an alternative, a change of insurance offers to providers who often offer comparable services at a much lower price.


Picture: Diagram in the business section 

The liability insurance, for example, is a must-have policy that can save a lot. A good liability insurance costs for a family with sufficient sum insured and bad debt coverage only about 60 euros per year. But comparable protection can certainly cost up to 150 euros per year. A change often not only saves money, but the insurance cover can also be adjusted if, for example, new risks such as a heating oil tank or a photovoltaic system have been added.

Even with the household insurance, money is given away. The rule is that favorable protection is good protection. A 100-square-meter apartment in a large city with a sum insured of 65,000 euros can already be insured for just under 73 euros annual subscription – or even more than 250 euros. When switching, however, it is important to pay attention to the fact that elemental damage is included. Especially in endangered areas such as floodplains, it could be difficult to get new protection on favorable terms. Next is to cancel the old insurance until the new contract is ready.

You can also save on term life insurance. The premium differences are immense. In a low-priced provider such as the Ergo Direkt insurance group pays a 30-year-old non-smoker for 150,000 euros insured per year about 87 euros insurance premium. On the other hand, this can amount to much more than 200 euros for the most expensive providers. Especially younger people without pre-existing conditions should quickly switch to one of the top providers with low premiums, because over the years, the premium benefits can add up quickly to some 1,000 euros.

You can also save by a building insurance comparison. In a new building or purchase, banks often cheat customers on expensive insurance because they benefit from it and get commissions. So you can sufficiently insure a ten-year-old house in a big city for just under 200 euros a year – or at the expensive provider for more than 600 euros. Here, too, the benefits of switching over the years add up to several thousand euros.



How do you expose power guzzlers in the household?


Picture: Electricity - light bulb 

Not every consumer can call an intelligent electricity meter own and track power consumption in real time. Anyone who has a conventional electricity meter and still wants to keep track of the power consumption of household appliances, can fall back on various tools on the Internet. This way, power guzzlers can be traced and money saved.

Which devices consume the most power?

The biggest power guzzler is often not noticed: the heating pump. It pumps the hot water into the radiator and requires electricity for it. If the heating pump is out of date or installed incorrectly, it can unnecessarily consume more than 400 kWh of electricity. Therefore it is recommended to check the heating pump.

For heating pump check

Online current check of the dena

With the online household household check, consumers can check on the Internet how much power their own TV or computer wastes in stand-by mode. This informs the Initiative Energie-Effizienz of the German Energy Agency (dena) in Berlin, which runs the online check. There you can find out which device in the household in the standby state is to be regarded as power guzzler, what costs arise and how the costs can be prevented.

An average household can save around € 70 a year if power consumption is reduced. The website displays devices such as TVs, DVD players, receivers and game consoles. In a mask, visitors to the homepage can specify the type of device – for example, tube, plasma or LCD TVs – as well as the duration and frequency of use. According to dena then the personal power consumption is calculated. If the secret power guzzlers are exposed, the website gives tips on how to reduce power consumption.

Check power consumption

If you suspect a particular household appliance to consume a lot of electricity, you should think about purchasing a power meter. These are available in the hardware store from about 20 euros. With the help of such an ammeter, one can not only control the consumption of individual suspected power guzzlers. It can also be used to at least partially check the accuracy of the electricity meter.

For the fridge, measure for 24 hours

Who wants to check the power consumption of electrical appliances should consider special peculiarities of these devices. For example, a refrigerator is opened several times a day or repeatedly filled with uncooled food, which temporarily increases energy consumption. This must be included in the measurement with the help of special equipment. The Hausgeräte + initiative therefore recommends measuring for refrigerators for 24 hours. For other devices, however, a period of one hour is enough.

The operating costs of washing machine, tumble dryer and dishwasher differ depending on which program is selected and how full the equipment is loaded. Here, optimally, the power consumption of each variant should be measured individually to obtain an overall view of the electricity costs.

Who has older devices, should also record the consumption in stand-by mode, the experts recommend. Because before 2010, the power consumption was not legally limited.

Power meters are plugged like extension cords between the device under test and the power outlet. According to the Household Appliances initiative, most utilities lend their equipment to their customers.

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News Winners and losers through changes in social security contributions and taxes 2017

News Winners and losers through changes in social security contributions and taxes 2017

Tuesday, 31.01.17 , written by Bernd Lauberg Some people are currently wondering about their account balance. Because compared to last year, they suddenly have more net left over from the gross. There are several reasons for this. On the one hand, the basic allowance has risen, for example. On the other hand, reducing the so-called cold progression results in tax cuts. But not every employee  

Plötzlich mehr Geld auf dem Konto dank Steueranpassungen 2017

Suddenly more money in the account thanks to tax regulations 2017

Many tax changes this year leave many people with a little more net than gross. However, since at the same time the contribution assessment limits were increased, for example for the statutory health insurance and pension insurance, tax relief for good earners is eaten up by higher social security contributions . In 2017 they will be even more heavily burdened and pay.

All in all, the increase in tax adjustments is low, so that the enjoyment of families and normal earners who benefit from it should be rather restrained. With a simple trick, however, they can get a little more net from their gross income . Because with a change of health insurance can save a few euros. Although employees share the basic contribution for the statutory health insurance with their employees. However, they have to pay the additional contribution on their own. This varies between 0.3 percent and 1.8 percent this year. If the health insurance offers no special benefits, there is little to speak against a change.

Tip: How high the contributions are the health insurance in the respective federal states, shows the reference calculator.

Basic allowance, child benefit and co.: Why is there more net left over from the gross?

At the beginning of the year, the basic tax-free allowance for all citizens increased from 8,652 euros to 8,820 euros. No taxes are paid on this income. In addition, the child benefit and child allowance increase for mothers and fathers. However, the adjustment of the child allowance results in the end only two euros more per month.

In addition, taxpayers are relieved by reducing the cold progression. This refers to the effect that employees after a salary increase sometimes less money than before, because they have to pay more by a higher tax rate to the tax office. Especially if the higher income only inflation is to be compensated, this is annoying. Since 2016, this has been counteracted by adjustments to the tax rate. The tax rate drops slightly.

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Families and normal earners have a few euros more in the account

The tax adjustments leave many people with more net of the gross. But as the contribution to statutory long-term care insurance has increased at the same time, the increase is decreasing a bit . How high it can turn out in the end, shows a sample calculation of ZDF. A single mother with two children, with a gross salary of 2,000 euros, has around four more euros available, at 3,000 euros it is just under € 6.50 per month. Similarly, the values ​​for a single income with the same income, while being relieved slightly higher.

The higher the income, the greater the relief from the 2017 tax changes . A family man with a child saves at a gross salary of 6,000 euros over 25 euros. However, he pays more for pension, health and unemployment insurance due to higher income thresholds. In addition, there is the higher care contribution. The bottom line is a minus of about 18 euros per month.

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  • Bernd Lauberg
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About Online Auto Title Loans – 5 Points You Must Be Aware Of

Michael owned arriving for a landing room above his garage, which he previously converted into a gym and ran as a side business. One day, the gym floor gave way. Fortunately, no one was hurt but Michael had to obtain the floor fixed soon or he would lose the income his gym made possible. The problem was that he didn’t have the cash for the repairs and his paycheck was still fourteen days away. That’s when his friend Rick told him about auto title financial products. Thanks to auto title loans, Michael was able to acquire the gym repaired soon and continue his business.

Risk of losing the automobile – If you cannot repay the loan, title lenders will take the car market it to get their money back. If you or your members of your family require the auto at all times, think twice before acquiring this method. Such loans are better fitted for people who have two perhaps more cars along with the possible likelihood of losing a vehicular will not affect their lives.


Pink Slip Loans could be used as bad-credit instrument that gives instant cash to tackle financial issues. You don’t need go to a pawn shop to become to pawn your motor. You can apply a great auto pawn loan online, get approved within minutes and keep driving your car. The lenders enables you multiple ways products and are payment, even with post-dated tests. If you make your payment on schedule, reported by the strict regulations of loan agreement, it gives a positive impression on credit score score and will even guide you to reestablish your acknowledgement.

The way these loans work is always that you literally sign over your car’s title to the lender. That is why tend to be called title loans. But, when you repay the loan, they will sign the title back over to you have to.

Credit history does not matter individuals getting an automobile title loan by City Loan Long Beach. Most borrowers have bad or no credit standing and as a result reason they are effectively disqualified from getting short term loans or charging legal action to their credit cards or lines of credit from monetary.

If muscular to pawn your car, you can come up from the several options that have been introduced of past. After making your request online, your loans will be accepted in a few steps. Your documentation only involves a few steps to include several documents to prove your residence address, your citizenship and your bank phrases. You need don’t have an a good credit reputation history an individual are applying for auto title loans, rendering it it a considerably easier way to get credit. As the borrowing procedures today are usually more tedious and time taking, could rest assured with auto title loans because have to need to fill up hundreds of forms.

If you fall approximately 30 days behind against your bills, the company involved will often report a person to the major credit credit reporting agencies. As a result, borrowing upgrade . difficult anyone in the future, because credit score will have a nosedive.

You needs to know that tend to be allowed to drive your car the entire time the loan is occupied. As soon just as the lender receives the amount of your auto title loan plus interest, then the deal is over and own full ownership of car. auto title loans would be a fast as well as simple way to obtain the cash that you must.