Payday Loans Online Direct Lenders Instant Approval http://www.intersindicalrtvv.com/ Tue, 08 Sep 2020 15:56:41 +0000 en-US hourly 1 https://wordpress.org/?v=5.5.1 The Credit Works, What Is It? http://www.intersindicalrtvv.com/the-credit-works-what-is-it/ http://www.intersindicalrtvv.com/the-credit-works-what-is-it/#respond Thu, 15 Aug 2019 13:13:22 +0000 http://www.intersindicalrtvv.com/the-credit-works-what-is-it/ The cost of work in a home has constantly grown over time, like the price of real estate. Today, it represents a heavy expense for anyone wanting to embark on a renovation, expansion or energy improvement of its premises. A critique at businesscardsland.com

The use of the loan has thus become an accessible, simple, fast and flexible response, particularly with the work credit. This credit is provided on demand by banks, financial institutions, brokers or aid structures. You can get from them up to 75000 € for a maturity of more than 10 years. The rate applied to this loan is generally higher than that of other credits. However, this loan has many other benefits that result from its characteristics, these conditions of granting, tax credits they provide and its terms.

The credit works, what is it?

The work credit is allocated to financing the expansion, renovation, thermal insulation of a house or the adaptation of housing to the disabled. It affects all types of constructions or works depending on an existing property. If you are looking for a loan to build a veranda, kitchen, bathroom or make some embellishments or decorations, you can validly apply for a credit works. However, it is important to learn, because some loans exclude so-called outdoor work such as the fence, terrace and anything that is not directly associated with housing.

The credit works can be a credit assigned to shares agreed in advance with your creditor. You must produce proofs detailing the project to be carried out and the unblocked loan will be used to pay the cost of the work.
The loan works can be a personal credit and in this case, you must only meet the conditions of resources, records and solvency to quickly benefit.

For unrestricted credits, the amounts allocated range from € 1,000 to € 75,000 with a repayment period ranging from 12 to 180 months. It should be noted that the features may change depending on the lender.

What types of work loans and works are funded?

We can distinguish work credits according to the lender. So we have:

  • bank loans in which one counts the housing savings loan associated with a savings, the personal loan works without justification of use, the loan with zero rate (PTZ) related to the interventions of saving energy of the building.
  • loans provided by aid structures such as eco-loan work (intended for the ecological renovation of buildings), housing renovation loan, the social accession credit for first-time buyers and the loan of the agency National Housing (Anah).

Expenditures that can be financed by these credits can be classified in 3 categories. Adaptation-related expenses to improve access to the premises described in Schedules 1, 2 and 3 of the Order of September 30, 1987, maintenance expenses and expenses for the beautification of housing. Among the accessibility and adaptation works, we have:

  • priority work on the building, motivated by considerations of safety, security, etc.
  • work on minimum standards of habitability, decorative work and those aimed at improving daily life in the building
  • works to allow the habitability and access of people with reduced mobility. They give right to an exemption on the intermediate rental ceilings (PLI).
  • energy efficiency of housing (improvement of heating, thermal insulation, installation of solar panels …).

Maintenance expenses are used to maintain the facilities (electrical, sanitary, gas …) and housing (ceiling, floor …) in good condition so as to keep its original consistency and equipment in good condition.
In addition, some light home improvements can benefit from Anah subsidies. They are in the field of safety, health, energy performance and personal autonomy.

Terms

The work credit is issued to natural persons who are the owners and occupiers, lessor or tenant of a dwelling. These persons must not have at the time of the application a file with the commission of overindebtedness of the Bank of France. An application can be made between two with a borrower and his co-borrowing.
Most loans are intended for main residences with often, the obligation for the beneficiaries to occupy the premises a minimum number of months per year from the end of the work. But there are credits for second homes under certain conditions. In all cases, housing must be located on the French territory (metropolis or other sea areas).

To obtain a work credit, you must demonstrate your ability to repay it in the terms of your commitments. A borrower on a permanent contract or with rental income and any other regular income will have a priori more credibility with a bank. An up-to-date borrower can accumulate a work loan with other loans and grants such as the eco-loan at a rate of 0, the development loan; only, its borrowing maximum will be reduced by the principal due, which remains of its first loan.

The rate, cost and reimbursement of a work loan

You can estimate beforehand the cost of a desired work credit. The actual cost of the credit to be repaid is the difference between the required capital and the additional costs that include the nominal credit rate, the loan file fees and the insurance taken out. Of these elements, depends the level of the annual percentage rate of charge (APR) given by each lender.
The repayments are made in monthly installments composed of a share of capital and the other part of the cost of credit. In some cases, one may pledge to pay the amount of the capital at the end of the term of the credit while continuing to reimburse each month the costs related to the APR. It is also possible to arrange your payments according to the evolution of your financial health. But in the event of termination of the occupation of the premises as principal residence as previously agreed, the creditor may require the outstanding capital to accompany or no penalty.

]]>
http://www.intersindicalrtvv.com/the-credit-works-what-is-it/feed/ 0
Rental investment: does loan insurance cover unpaid rents? http://www.intersindicalrtvv.com/rental-investment-does-loan-insurance-cover-unpaid-rents/ http://www.intersindicalrtvv.com/rental-investment-does-loan-insurance-cover-unpaid-rents/#respond Sat, 03 Aug 2019 09:54:11 +0000 http://www.intersindicalrtvv.com/rental-investment-does-loan-insurance-cover-unpaid-rents/ You want to invest in real estate but the fear of unpaid rent makes you doubt? It is possible to protect yourself through supplementary insurance. Not to be confused with mortgage loan insurance, which does not cover the same risks…

Loan Insurance: Definition

Loan Insurance: Definition

Even if it is not mandatory when subscribing to a mortgage, borrower insurance is always required by lending institutions. In the context of a rental investment, loan insurance includes a series of guarantees whose objective is to protect the insured and the bank. In most borrower insurance contracts, the following guarantees are present:

  • the death guarantee, which, in the event of the death of the borrower, leads the insurer to replace the deceased to repay the remaining monthly installments in place of the heirs;
  • invalidity and incapacity benefits, which when the insured person reports a health problem or illness preventing him or her from practicing his profession and collecting income, leads the insurer to assume the reimbursement of monthly payments during the waiting period;
  • the job loss guarantee, which provides financial assistance to the insured who is unemployed.

Unpaid rent and borrower insurance

Unpaid rent and borrower insurance

In the context of a rental investment, unpaid rents represent the biggest fear of investors. Among the guarantees offered in the loan insurance, the guarantee against unpaid rent is not included. To deal with unpaid rents, investors must therefore take out additional insurance.

Guarantee against unpaid rent

Guarantee against unpaid rent

Concerned that the risk of unpaid rent is a brake on rental investment, banks and insurance companies have put in place specific home insurance policies offering the possibility of taking out a supplementary guarantee called rental guarantee insurance. This insurance is for homeowners who rent their home allows to collect from the insurer financial compensation when a tenant does not pay its rents. The price of this insurance varies depending on the insurance company. It generally fluctuates on average between 3% and 4% of the amount of annual rents, including charges.

]]>
http://www.intersindicalrtvv.com/rental-investment-does-loan-insurance-cover-unpaid-rents/feed/ 0
6 ways to verify money borrowers http://www.intersindicalrtvv.com/6-ways-to-verify-money-borrowers/ http://www.intersindicalrtvv.com/6-ways-to-verify-money-borrowers/#respond Sun, 28 Jul 2019 09:36:50 +0000 http://www.intersindicalrtvv.com/6-ways-to-verify-money-borrowers/ ID card

ID card

Verification can be carried out using an ID card. Simply enter the required details from your ID document, entering them in the appropriate boxes for the payday application. Usually these are first name, last name, PESEL number, document number and series, or date of birth. Because of concern for the security of personal information, it is worth providing only necessary information about us. People do not realize that using an untrusted internet connection or setting a password that is too weak can really hurt themselves. Sometimes you may be required to send a copy of your ID card. This situation usually occurs when there are various types of ambiguities that should be explained as soon as possible. It can be, for example, an attempt to conclude a loan agreement for a stolen document, i.e. simply signing the agreement using the data of another person. Unfortunately, such situations still happen.

Bank transfer

Bank transfer

The second way to verify borrowers is by bank transfer. It should be made from a personal bank account – a transfer from the account of a wife, brother or friend is not acceptable. Why? The bank wants to verify the customer’s personal data, so it needs a transfer from the account of the person applying for the money. The transfer is small, therefore it does not affect the home funds in any way. Usually its amount is 0.01 grosz or 1 zloty. A customer who has a bank account in the same institution as the lender can count on express consideration of the application. It is different in other cases, where you will have to wait until the next business day. This is not a long period compared to waiting for a response in the bank, but sometimes hours count for us. We would like to get the money as soon as possible, but verification cannot be skipped. You have to follow the established rules, otherwise you will lose the chance for money.

instantor

instantor

Increasingly, we have the choice to verify using Instantor services. It’s a great way to verify Poles who choose to borrow from non-bank companies to support their budget, which just needs help. Instantor not only verifies the data, but also estimates the borrower’s creditworthiness. The lender finds out if the customer has the option of paying the debts on time. The customer does not have to agree to the use of the Instantor service, but then he will be obliged to make the transfer. The choice is up to the individual, but you should know that Instantor is a fully automated service that significantly reduces the time you need to spend waiting for your decision. You should not be afraid of entering your data because special encryption technologies are used that prevent them from being intercepted by third parties.

Call

Call

While filling out the application, you will definitely notice that you need to provide your mobile number. The lender can use it as another popular verification method. When to expect a phone? Unfortunately, this is never completely known. This can occur immediately after submitting the completed form, or maybe only after a few hours. It all depends on how many customers are applying for a loan at any given time. Of course, it’s best for a loan company to get in touch as soon as possible, otherwise it can be negatively assessed. Her position in rankings, such as the porfel ranking, will fall quickly. During verification by mobile phone, the lender usually asks again about the basic personal data to confirm the information entered in the application, and if necessary asks for other details that interest him.

Registers of debtors

Registers of debtors

Registers of debtors are another way to check potential borrowers. Anyone who has had a problem with the loan repayment on time, or has not been able to pay it back, may have some concerns. Loan companies, like banks, do not want to cooperate with people who cannot be trusted in terms of payments. Registers of debtors provide reliable information so that the lender can immediately decide whether he intends to grant a loan to a person or not. The most frequently used databases include BIK, ERIF and KRD. Even if the loan company advertises its loans as “loans without bases”, it certainly checks clients in one of the other registers.

Proof of income

Proof of income

An income certificate is not required by every non-banking company. However, if it turned out that the selected lender requires proof of earnings, you must either send him or show him as soon as possible. The more information the customer receives about the customer, the easier it will be to assess what loan it can give him so as not to significantly affect his budget when he has to pay it back.

Customer verification is a must that loan companies cannot opt ​​out of. Otherwise, they would never be sure whether the client would be able to return the commitment or not. It is also a way to confirm the data of a person who is seeking financial support – thanks to this the company can be sure that the loan was not taken out of the stolen ID card.

]]>
http://www.intersindicalrtvv.com/6-ways-to-verify-money-borrowers/feed/ 0
What if you do not pay the outstanding balance insurance premium? http://www.intersindicalrtvv.com/what-if-you-do-not-pay-the-outstanding-balance-insurance-premium/ http://www.intersindicalrtvv.com/what-if-you-do-not-pay-the-outstanding-balance-insurance-premium/#respond Tue, 09 Jul 2019 10:47:53 +0000 http://www.intersindicalrtvv.com/what-if-you-do-not-pay-the-outstanding-balance-insurance-premium/ Compared to what you get in return, a debt balance insurance is only a small cost. You guarantee your relatives a financially carefree future after your death. Moreover, you do not have to pay the premium in one go.

A staggered payment is also possible: from quarterly to yearly, depending on your options. But what if you fail to pay the premium on time?

Debt balance insurance premium: a wide range of options

Debt balance insurance premium: a wide range of options

The financial home situation is different for every family. As a debt balance insurer , we are fully aware of this. That is why we offer you the option to pay the premiums of your debt balance insurance as you choose. This way you can be sure of a payment plan that is 100% tailored to your financial options.

Financial options

money

  • One-off premium : you pay the premium immediately when you take out your loan. That is of course a larger sum than with a staggered payment, but often this is the most advantageous formula in case of taxation at the end of the year.
  • Annual constant premium over two thirds of the term: by spreading the payment over several years, you have to pay less in one go than with a one-off premium.
  • Six-monthly, quarterly or monthly premium payments : the payments are spread even more. Keep in mind the so-called fractionation costs (additional costs that are charged with multiple premium payments per year).

Debt balance insurance premium not paying: the consequences

Cash

Do you want the coverage of your debt balance insurance to remain as it was established when you entered into the contract? Then it is important to make the premium payments on time and consistently. If not, there are two options:

  • If you stop paying the premiums, the insured amounts will be adjusted.
  • According to the policy, do people have to pay premiums for longer than half the term, but do they stop prematurely? Then the insurer in question is forced to cancel the policy. This happens thirty days after a registered letter has been sent.

Please note: if you no longer pay premiums for the main guarantee, if the policy expires or is canceled, canceled or surrendered, then the additional guarantees also end. Do you want a clear picture of what a debt balance insurance would cost you? We are happy to explain this for you:

]]>
http://www.intersindicalrtvv.com/what-if-you-do-not-pay-the-outstanding-balance-insurance-premium/feed/ 0
What is Land Vehicles Insurance http://www.intersindicalrtvv.com/what-is-land-vehicles-insurance/ http://www.intersindicalrtvv.com/what-is-land-vehicles-insurance/#respond Fri, 28 Jun 2019 11:44:42 +0000 http://www.intersindicalrtvv.com/what-is-land-vehicles-insurance/ Land Vehicles Insurance; It is an insurance which covers the damages to be received as a result of the accident, damages caused by natural disasters such as earthquakes, floods, floods, burns, stolen, damages in the act of terrorism or attempted theft within the policy limits.

A Land Vehicles Insurance policy consists of main guarantees and additional guarantees

A Land Vehicles Insurance policy consists of main guarantees and additional guarantees

The main guarantees are provided as standard by the insurance company in the purchased insurance policy. However, additional guarantees are determined according to your request and included in your policy with an additional charge.

Land Vehicles Insurance Insurance is optional. However, if you have insurance, the above mentioned situations will compensate you as a policy holder. In case you keep the coverage of insurance coverage in the Land Vehicles Insurance Insurance, you can also set the upper and lower limit of payment as desired. In addition, in the case of large damage exceeding the limit of the traffic insurance, according to your assurance in the policy, Land Vehicles Insurance can cover the relevant excess. This is very important for vehicle owners in the event of a possible accident.

As the guarantees will differ in the Land Vehicles Insurance Insurance in pricing

car loan

It is important to find the most appropriate guarantees rather than the cheapest in terms of price. The collaterals determined according to risk also vary in terms of price. Particularly in case of theft, earthquake, terrorism, fire, flood, the possible costs that may arise in case of a Land Vehicles Insurance Insurance coverage is a big life preserver.

You must have a driver’s license and do not use alcoholic vehicles in order for the Insurance to be activated during an accident or disaster. Otherwise, the insurance policy is not valid.

The insurance can be obtained from insurance companies or insurance agents

The insurance can be obtained from insurance companies or insurance agents

Since the insurance premium determination is based on free market conditions, insurance companies may make different levels of pricing. For this reason, it will be productive for you to search every insurance company’s offer on the internet and to compare collateral and price. The Land Vehicles Insurance insurance policy, which can also be purchased from the computer and which is concluded very fast, can be sent to you by e-mail quickly by the Land Vehicles Insurance companies.

]]>
http://www.intersindicalrtvv.com/what-is-land-vehicles-insurance/feed/ 0
Rental investment: how to choose loan insurance? http://www.intersindicalrtvv.com/rental-investment-how-to-choose-loan-insurance/ http://www.intersindicalrtvv.com/rental-investment-how-to-choose-loan-insurance/#respond Fri, 28 Jun 2019 09:41:31 +0000 http://www.intersindicalrtvv.com/rental-investment-how-to-choose-loan-insurance/ For a rental real estate investment, whose main asset is security, you have to take the time to choose your borrower insurance. Objectives: to secure his approach and to reduce the cost as much as possible. To know: The insurance of the loan is essential, but the banks do not require the same guarantees as for a residential real estate investment.

Rent, a sufficient guarantee?

Rent, a sufficient guarantee?

In a rental loan, the rent received by the investor represents for the bank a form of guarantee of future repayment. This can therefore only require the subscription of mandatory guarantees, Death and Total and irreversible loss of autonomy. If the bank does not require the loss of employment, temporary incapacity for work and permanent total or partial disability guarantees, each will decide according to their own situation (income, age, constitution of the family, etc.) to subscribe to it. or not. In case of paid unemployment, the loss of partial income can be offset by the assumption of monthly payments by the insurance. At least 24 to 36 months.

Delegation of insurance: often the right financial choice

Delegation of insurance: often the right financial choice

The credit institution systematically offers its client to subscribe to its borrower insurance with him, as part of a group contract. Calculated according to the average risk level of all the insureds, this contract does not take into account the individual situation of the customer: age, occupation, health, etc. It is therefore often more advantageous to take out insurance through an individual contract. The broker will analyze the particular situation of the borrower and offer guarantees tailored to his profile… and often cheaper. It will then be necessary to carry out a loan insurance delegation.

SCI, SCPI, guarantees and delegation of insurance

SCI, SCPI, guarantees and delegation of insurance

In the case of a rental investment via an SCI or a SCPI, each partner may choose his credit institution. For the insurance of the loan, here too a lot of flexibility to distribute the quotas and to adapt the guarantees to the situation of each one. The insurance delegation can be put in place, but it is more advantageous for the partners to choose a single insurer.

]]>
http://www.intersindicalrtvv.com/rental-investment-how-to-choose-loan-insurance/feed/ 0
Financing your funeral: funeral insurance http://www.intersindicalrtvv.com/financing-your-funeral-funeral-insurance/ http://www.intersindicalrtvv.com/financing-your-funeral-funeral-insurance/#respond Tue, 18 Jun 2019 11:35:19 +0000 http://www.intersindicalrtvv.com/financing-your-funeral-funeral-insurance/ Financial crisis requires, subscribe to a mutual health to preserve health expenses is no longer sufficient. It is also possible to predict the costs of his funeral and take care of it before even the situation requires it: this is precisely what allows a funeral insurance contract.

What is funeral insurance?

What is funeral insurance?

A funeral insurance (also called a “funeral agreement”) is an agreement whereby the insurer agrees to finance the funeral of the insured in return for a premium insurance to be paid periodically. In simpler terms, it is a provident contract that allows the insured to secure capital for the organization and coverage of his funeral expenses upon his death.

It is ultimately a lifetime life insurance policy, so it lasts throughout the life of the subscriber.

What is the purpose of a funeral contract?

cash

Since death remains a delicate subject for the person concerned as well as for the loved ones of the deceased, this insurance gives the insured two things:

  • To pay in advance the funeral by means of a capital contract;
  • To organize his funeral in the smallest details and according to his wishes through a contract called “in benefits”.

It’s also a great way to protect the family from further concerns:

  • Logistically: disagreements between relatives on the type of burial, or choice between burial or cremation etc. ;
  • That financially: since the death of a loved one is already a particularly difficult test in itself, it is often welcome not to have to pay in addition to a bill sometimes very difficult to assume for some.

Good to know

It is important to distinguish funeral insurance from death insurance which have absolutely no purpose. See here to understand the differences.

The benefit contract to anticipate the organization of his funeral

The benefit contract to anticipate the organization of his funeral

Whatever the reason, many people wish to anticipate the organization of their funeral.

Funeral insurance is a useful tool at their disposal to plan everything. They will not only unload their loved ones from the cost of the ceremony, but will save them from organizing.

Various motivations

There are three main reasons for people to plan their funeral.

  • Their desire to have funerals corresponding to their vision of death and their philosophical and religious ideas. By organizing everything, the person does not risk seeing his last wishes ignored or distorted.
  • Their concern is to relieve their loved ones of all the often painful steps for families in pain.
  • The concern of people without families and loved ones to know that everything will be planned and that they will leave as they wish and not according to the will of a distant heir with whom she had in the relationship.

The different contracts meeting this objective

The market offers two types of service contracts to satisfy this desire to organize everything.

Standardized benefit contracts: these “block” contracts offered by insurers only offer you a limited choice of options. Most of the benefits are imposed on you and you have no possibility to change what is planned. These contracts are often disappointing, because the imposed benefits of not offering little choice except between burial and incineration and that of a civil or religious ceremony. In addition, these formulas are often summarized by a commercial name and their content varies with the years, which will not necessarily correspond to the wishes expressed several years before …

Good to know

This often controversial formula tends to be abandoned by insurers.

Individualized benefit contracts: in this type of formula, the choice is infinite. You are totally free. You describe your needs, your choices are quantified and the corresponding amount is retained as the sum insured in the contract.

An estimate detailing all the services chosen is attached to the contract and will serve as a basis for the preparation of the ceremony on the day.

Today, it is this type of high end contract that should be favored, so you can predict everything, choose everything, down to the smallest detail so that everything is according to your wishes.

What happens when the insured dies?

What happens when the insured dies?

Whatever its use, the capital is delivered to beneficiaries upon the death of the insured. It is therefore imperative that they are aware of the existence of such insurance before their disappearance.

Thus, at the presentation of a voucher, the fund will be released and the capital donated to whom it is entitled. The time may vary depending on the insurance company, but generally count 48 hours worked to receive the full capital.

 

]]>
http://www.intersindicalrtvv.com/financing-your-funeral-funeral-insurance/feed/ 0
Health insurance in the United States for expatriates, students and travelers http://www.intersindicalrtvv.com/health-insurance-in-the-united-states-for-expatriates-students-and-travelers/ http://www.intersindicalrtvv.com/health-insurance-in-the-united-states-for-expatriates-students-and-travelers/#respond Thu, 06 Jun 2019 07:07:57 +0000 http://www.intersindicalrtvv.com/health-insurance-in-the-united-states-for-expatriates-students-and-travelers/ How to ensure your health in the context of an expatriation, study or a trip abroad?

“Because health is the most valuable and easy to lose, it is the most poorly kept. Is there anything more precious to man than health? For maximum security, you must be sure to have an insurer that offers you to cover 100% of your medical expenses anywhere in the world.

1) How to freely choose your guarantees and benefit from a customized contract?

1) How to freely choose your guarantees and benefit from a customized contract?

Target expats and tourists from the United States

Become an article and category sponsor on French District The cost of health care costs in the USA is almost 10 times higher than in France, it is even one of the highest in the world! The average premium for health insurance has increased by more than 60% since 2005 and by more than 30% since 2010. Based on this observation, it is precisely in this respect that you must be vigilant about the extent of your guarantees and look for an insurance contract that meets your expectations.

The principle is to find tailor-made at the price of ready to wear! Today this is possible and easily achievable with an insurer offering international insurance contracts. Through French Expat Company, you will be able to choose your guarantees, your additional options, your possible deductibles, your repayment limits to benefit from a maximum of security according to your personal situation. Expatriation, especially in the United States, must not rhyme with an increase in social precariousness in the land of money king. You have the opportunity to make sure you keep the basic principles of your refunds and guarantees that you may have in France before you expatriate.

2) How to be protected by respecting evolving legislation?

2) How to be protected by respecting evolving legislation?

a) The problem of the Obamacare (Affordable Care Act)

Since 2014, all tax residents in the US must have health insurance with a contract containing at least 10 mandatory guarantees called MEC-Minimum Essential Coverage:

  • Emergency services,
  • hospitalization,
  • ambulatory services,
  • pediatric services,
  • laboratory analyzes,
  • rehabilitation services,
  • medical prescriptions,
  • childbirth and care of the newborn,
  • prevention and management of chronic diseases,
  • mental health

For these guarantees, no ceiling can be set, but US insurance contracts may increase contributions from one month to the next, contrary to those offered by international insurance companies. At the same time, this reform had a very important impact on the two types of insurance contracts offered individually (individual mandate) or through its employer (corporate mandate). The founding principle of this reform being to allow the obtaining of an insurance to the most deprived, the expatriates particularly French prefer since this reform in the great majority the contracts proposed by international insurers rather than Americans.

b) The Cassa Patricia

Target expats and tourists from the United States   Become an article and category sponsor on French District The Cassa patricia is the Social Security Fund of French residents abroad. Private body, offering social coverage worldwide, it is governed by the Social Security Code. Even if its membership from the departure of France is recommended, it is not obligatory and the latter is calculated according to your status, your resources, your age as well as the situation of the persons possibly constituting your family. Coverage for sickness, maternity, invalidity, occupational accidents, occupational diseases, old age are available for choice and may be supplemented in whole or in part by insurance with guarantees to complement those offered by the Cassa patricia.

c) The complexity of payment franchises

In France, we benefit from a 100% coverage with a co-insurance or cost-sharing fee which is very low, which is not the case in the USA. Franchises are the amounts that will remain your responsibility even before the insurer reimburses you. There are “co-payments” (for laboratory fees, medical exams…), deductible, co-insurance which are always your responsibility, amounts beyond which your insurer will refund you 100%.

The amount remaining at your expense (Maximum Out Of Pocket) is also variable depending on the insurer and can reach $ 15,000 / year for a family. According to the state of residence in the US, the cost of health insurance in 2016 was $ 600 / month for a single person and more than $ 1,500 / month for a family with an average dependent of more than $ 5,000 / month. year. Very often, in order to lower the amount of their contribution, the insured increase the deductibles. Beware of this dangerous game that, in the end, can cost you very expensive even before your insurer takes over!

d) The choice of a US or international insurance contract

The choice of a health insurance contract is very important and makes it possible to realize that medicine at a cost that can be very expensive outside our French borders. You can either buy American health insurance or an international policy. It is crucial in order not to be as limited in the network of doctors to consult to compare well. Some insurances, notably the Health Maintenance Organization (HMO), require you to consult their primary care physician (PCP) in their network and will not reimburse you if you violate their consultation rule. PPO Plans ( Preferred Provider Organization ) contracts such as those offered by French Expat Company should be preferred. For the same care, you can be billed from single to double. If you are not well insured, if you do not have the means to pay and after several thousand dollars spent on the ambulance, in the USA the doors of a hospitalization can quickly close.

3) How can French Expat Company meet your expectations?

3) How can French Expat Company meet your expectations?

Target expats and tourists from the United States. Become an article and category sponsor on French District French Expat Company and its Insurance Partners are French insurance companies specializing in the design and marketing of insurance contracts with “made in France” coverage (100% coverage, worldwide coverage, little deductible, free choice of his doctor…). Our information is transparent and objective. We claim our belonging to values ​​that have made France the most protective country in terms of health coverage.

Despite all the care taken in our contracts, these as well as those of our competitors are not in compliance with Obamacare compliant. Thus, a penalty will be applied according to your income and the latter will be deducted from your tax credit on your tax return. If you do not benefit from a tax credit, you can defer in year N + 1 the amount that can not be deducted from your bank account directly for this penalty. Attention this penalty does not apply to visa holders, F, J, Q, M, as well as residents of less than 330 days. On the contrary, it applies to US citizens, permanent residents and alien residents.

Despite the application of this penalty, the contracts offered by French Expat Company and its insurers are most advantageous for our compatriots but also for all foreign expatriates. This is also the French influence around the world. Knowledge is power! Without excess of pride, we benefit from a real know-how by our origins and the quality of our Social Security.

While the future of Obamacare is getting darker by the day (even though the Republicans have not been able to agree on its abolition), given the increase in premiums by US insurers, is likely that the health insurance system in the United States will implode and this much-maligned reform will be abolished before the end of the term of Mr. Donald Trump! Our compatriots, even on the other side of the world, will no longer be able to say that they did not know. It is up to them to take their precaution by asking for a free and uncommitted study from a specialized insurer, as is the case at French Expat Company.

]]>
http://www.intersindicalrtvv.com/health-insurance-in-the-united-states-for-expatriates-students-and-travelers/feed/ 0
Cash loan with or without insurance? http://www.intersindicalrtvv.com/cash-loan-with-or-without-insurance/ http://www.intersindicalrtvv.com/cash-loan-with-or-without-insurance/#respond Sun, 19 May 2019 09:42:54 +0000 http://www.intersindicalrtvv.com/cash-loan-with-or-without-insurance/ Which loan should you choose?

Which loan should you choose?

There are many cash loan options available from banks. Most often they differ in terms of the required collateral, the possibility of allocating funds from the loan (any purpose or repayment of other credit obligations, i.e. consolidation) and whether a given credit product comes with an insurance package. We focus on this last aspect in this study. What are the advantages and disadvantages of the solution called: joining the insurance package against unfortunate mishaps offered to a person who concludes a cash loan agreement?

What does the insurance offered for a cash loan protect against?

What does the insurance offered for a cash loan protect against?

The most-offered range included in group insurance that borrowers can sign up for includes:

  • In the event of the borrower’s death;
  • In case of serious illness;
  • Permanent or total inability to work;
  • In the event of job loss;
  • Assistance – technical assistance at home (repair of home electronics / appliances, or a visit by a locksmith or plumber); medical assistance in the country (visit of a nurse or GP).

Insurance cost

Insurance cost

The insurance premium for protection contained in packages specially prepared for persons taking out a loan or cash loan is payable once in advance for the entire protection period and is subject to credit. What does it mean? Most often, the cost of insurance communicated by banks is expressed in percentage points per month as part of the loan amount – for example, in OutBank it is 0.27%, in Millenial bank 0.3%, and in Panko Bank 0.35%. Let us assume, therefore, that we are interested in the loan amount of PLN 10,000 “on hand”.

In addition, let us assume that we will repay our cash loan for a period of five years (60 months). Assuming for a cash loan case with a commission of 5%, which will be added to the loan amount, the insurance cost will be calculated as follows: loan amount plus commission x 60 x 0.35%. The cost of insurance protection will therefore be over PLN 2,000 (20% of the additional amount!), And the loan agreement will amount to over PLN 12,000 (we will have “only” PLN 10,000 at our disposal)!

What do we get in return?

What do we get in return?

Apart from the relatively interesting and broad scope of protection, joining the insurance allows us to take advantage of a more favorable interest rate on the nominal loan, which at OutBank is reduced compared to the option without credit by 2.5pp, at Millenial bank by 3pp, and at PB from 2 to 9pp.

The cost of a peaceful sleep

The cost of a peaceful sleep

Despite the fact that the costs of insurance coverage seem quite high at first glance, the range offered is significant. An example of a five-year loan repayment period is up to 60 months, during which various unforeseen situations can occur, and it seems better for those “surprises” to be prepared. And this is exactly what these insurance packages give …

]]>
http://www.intersindicalrtvv.com/cash-loan-with-or-without-insurance/feed/ 0
Mistakes When Hiring Car Insurance and How to Avoid Them http://www.intersindicalrtvv.com/mistakes-when-hiring-car-insurance-and-how-to-avoid-them/ http://www.intersindicalrtvv.com/mistakes-when-hiring-car-insurance-and-how-to-avoid-them/#respond Sat, 18 May 2019 12:06:41 +0000 http://www.intersindicalrtvv.com/mistakes-when-hiring-car-insurance-and-how-to-avoid-them/ Hiring car insurance requires attention to avoid headache in the future. Among the common mistakes made at the time of hiring are omitting information from the insurer, not comparing the insurance options offered by the market and not paying attention to what is covered by the insurance. Look at these and other common mistakes when hiring car insurance and how to avoid them:

Omit insurer information

Omit insurer information

In order to avoid financial losses in the future, always providing the correct date to your insurer is essential. Do not make the mistake of omitting, lying or fraudulent information in the quote, let alone when filling the contract. Always provide the correct personal data, as well as true information about the vehicle, without leaving anything out. This is a guarantee that you will have access to all the rights of the service in case you need to receive any compensation or trigger the insurance company. There are a few cases of people who have had problems in resorting to insurance because they lied or omitted some important information just to pay a little cheaper.

Do not compare insurance options offered by the market

Do not compare insurance options offered by the market

Hiring insurance at the first insurer you surveyed is an error that can cause financial losses and even problems at the time of the claim coverage. Always researching the options offered by the market ensures that you are not paying much for the service and yet you are hiring a reliable company. Do a search on the Internet and talk to insurer clients before closing deals to make sure that is the best option for you.

Do not confirm the value of the franchise

Do not confirm the value of the franchise

Franchise is the amount you have to pay the insurance company in case you need to trigger insurance to repair the car on account of crashes and the like. Therefore, before hiring the service, it is important to know what the amount charged by the franchise is and ask for that information to be clearly stated in the insurance proposal. To get an idea, there are popular cars with deductibles that reach R $ 1, 7 thousand while the insurance value is R $ 1 thousand.

Do not advise if the coverage is provided by insurance is the one you need

Do not advise if the coverage is provided by insurance is the one you need

Comparing prices is essential, but it is also important to carefully evaluate what type of insurance coverage offers. Do you really need a spare car if your car is a problem? Despite the convenience, this is the type of service that impacts the amount you will pay and may not be important. Therefore, evaluate the coverage offered and customize according to your possibilities and needs.

Do not evaluate what is not covered by insurance

It is important to also analyze what your insurance does not cover, which is usually described in the “Exclusion” item. If you consider it important to have access to some items that are not covered, it is important to negotiate with the broker.

Do not research the discounts you can get

Many people spend more than they should on insurance because they do not research the discounts they can get. Those who have a good driving record, for example, usually get bonuses from the insurer. Having safety equipment installed in the vehicle also helps to reduce the value of the insurance.

 

]]>
http://www.intersindicalrtvv.com/mistakes-when-hiring-car-insurance-and-how-to-avoid-them/feed/ 0