Category: Insurance

Is it safe to drive a rental car in Panama??

If you're staying near Panama City or all of your planned destinations are right on the Pan American Highway, you should be fine with a two-wheeler. Although most Panamanians drive stick shift vehicles, automatics are available at all car rental agencies, although you should expect to pay a little more.

What you need to know about renting a car?

• Use a credit card when you pick up the car. .
• Children cost more to drive rental cars. .
• Keep drivers to a minimum. .
• Browse car insurance policies. .
• Try not to rent a car at the airport. .
• Stay on paved roads. .
• Fill up the tank before you return the car.

Is it easy to drive in Panama??

Driving in Panama is a pretty safe and easy thing to do.

Compare term life insurance – a term life insurance policy should be taken out especially by families with small children. It is important that the main earner of a family takes out term life insurance, so that the survivors are sufficiently financially protected in the event of his death.

If you are studying at a university or university of applied sciences, you should also find out about the individual insurance coverage you need, because not in all areas do you remain covered by your parents' existing insurance policies.

Anyone who signs an employment contract with a Russian company is provided with Russian health insurance. But you should not rely on it in case of emergency. Experts explain how foreigners in Russia should best protect themselves.

The more complex the treatment, the more important the question of cost becomes in the event of illness. /Photo: Pixabay

It is probably the greatest treasure among the benefits in kind: the company car. The cars chosen by companies and their executives have a lot to do with image, but also with cost-effectiveness. Which models are most popular?

The keys to one's own company car, for many executives a source of pride and a sign of the recognition they receive from their employer. And that, even if the employer brings the car forward in order to stifle unpleasant salary discussions in advance or the car also causes costs. For one must not simply confuse the company car with a company vehicle or other benefits in kind that the employee does not have at his or her free personal disposal. The executive, on the other hand, uses the company car to drive to work, on weekends or on vacation. It is not uncommon for the company to provide a fuel card with which, for example, fuel can be loaded for 100 euros a month – and sometimes there is no limit at all, so the motto is fill up as often as you like. On average, a company car and fuel card cost the company 500 euros a month. A win-win for both the company and its employees: the total includes car rental (usually a long-term rental), insurance, taxes, other charges and fuel.

Care is expensive. Even if affected seniors pay for nursing home costs with their long-term care insurance, pension, and savings, a difference often remains unpaid. In the past the children often had to step in. Due to the Relatives Relief Act this is less often the case today.

When people need care, it's not a happy time for loved ones. Because in addition to all the associated grief, it is also a question of finances. Professional care costs money – regardless of whether the senior gets assistance at home, moves into assisted living or a nursing home. Of course, for these cases there is the care insurance. But this does not cover all the costs by far.

The installation of a stair lift in a private home can help the person concerned to achieve greater independence and freedom of movement, thereby significantly improving their quality of life. People with limited mobility can thus remain in their familiar surroundings and move freely and under their own power, even over several floors, without having to rely on a caregiver. With an external lift the concerning can remain so also in an environment, in which still no barrier liberty is given and leave nevertheless independently the house.

Tips for buying a stairlift

However, the purchase costs for a stair lift are relatively high compared to other aids for the walking impaired and, depending on the type and structural conditions, also increase in height. Since this investment usually requires a financial strength, which particularly seniors or by

In Germany, the number of pets covered by health insurance is increasing from year to year, and there's a reason for that. There is no mandatory insurance for pets, treatment options are getting better but also more costly. That's why more and more insurance companies are offering pet health insurance, which can protect you from unforeseen expenses. Treating a torn cruciate ligament costs an average of 2 for a dog.000€ and for a cat 1.500€. On average, veterinary costs for a dog's life amount to about 8.000€. A cat can devour also well and gladly similar veterinary costs in its life by the higher life expectancy. These are quite a lot and they often lead to pet owners taking out a loan for the treatment costs or even having to decide to euthanize the animal due to the high costs for a vital treatment. So it makes sense to take a closer look at this topic.

What is a pet health insurance?

We humans have mandatory health insurance in Germany – in doing so, we have the choice of choosing private health insurance or taking out statutory health insurance. There is no compulsory health insurance for pets, nor is there a legal standard for the minimum benefits that an insurance policy must include. So the question if you want to insure your pet or not and to what extent is up to you. Accordingly, there are many different offers for animal health insurance en, but in essence two elementary differences: Do I choose what's called "full coverage" or "surgery coverage"?? The name already suggests where the difference is hidden, but let's look closer.

You are thinking about a career change or you want to work as a payroll clerk but you don't know how to do it and then you don't worry about your salary anymore?

In 2020, more Germans have invested in shares than they have in a long time. Young people in particular have discovered the stock market for themselves. According to the Deutsches Aktieninstitut, one in six people in Germany has shares, equity funds or ETFs in their custody accounts – despite Corona and the associated turbulence on the capital markets. However, this trend does not change the fact that there are still a lot of Germans who prefer to save in the traditional way and do not dare to take the step towards shares.

One reason is the fear of making losses over weeks and months and ending up with less money than before. Many people also wonder about the right time to enter the market. The good news is that if you follow a few basic rules, you can take it easy.