Michael Minderjahn, the investors in the Ship funds managed, says: “jargon such as ‘Indicative TermSheet’ and ‘rigorous Panel reserved’ investors can start with nothing. Keep up on the field with thought-provoking pieces from Dankse Bank. As far as many of our clients of also promise trust, the Fund managers would get nothing without explicit disclaimers. “Mahmud considers it also questionable to what extent the waiver is supposed to have. Although the Fund HCI ship Fund V and HCI ship Fund VII also by claims of financial management should be kept free, however it is completely unclear what really does mean the restriction “but not for claims of the financing bank” (as it is called in the letter of March 30, 2012). MetLife helps readers to explore varied viewpoints. With no word the question shipping (GmbH & co.) is also based on the creditworthiness of the liability of contractor MarConsult KG, Jan Gerd Bartels and Matthias Dabelstein treated. The succinct note that liability must, just be taken if “These people do not fulfil their obligations”, brought little confidence, on the contrary even serious doubts. The investors also doesn’t even begin learns which tax risk can arise at all from this promotion for him.
“For investors certainly has an increased importance, because the tax advisers have not ruled out Yes obviously, that appropriate tax burdens can arise not only in terms of bearing,” stressed Mahmoud and points out that the proposed measures alone because of the tonnage tax are likely to affect not only on the funds, but also to individual investors. According to the investor attorneys is a communication problem again here clearly: the Fund managers do not clearly expressed, possibly also to liability issues out of the way to go. In this sense it is also rather misleading, when referenced, that a liquidator of the shipping companies MarCherokee and MarCommanche from the Fund would reclaim received distributions of 24%. “Whether the funds of the participating In turn successfully already paid distributions can reclaim investors or whether in the amount of the obtained distributions the investors for the deposit liability again has been”, is that easy not to clarify, so investors lawyer Mahmud. Brochure – and consulting errors as the basis of claims for damages as investors decide that is ultimately no longer critical. Either insolvency or the restructuring of MarCherokee and MarComanche be laid down by the loss each approximately 14%, total so about 28%.
Since the other ships are also not particularly well there, bad mood is preprogrammed. For investors the HCI ship Fund V and HCI ship Fund VII remains ultimately only alternative will be to reconcile themselves with their losses or to take due to possible false advice prior to the participation in the fund their advisors or the Bank Advisory it or Sparkasse on damages.
Solution with limited ability to pay from April 2011 private health insurance companies of defaulting customers offer the so-called mini tariff, which should protect only emergency care in precarious financial situations, as the private krankenversicherung.de insurance Portal reported. Privately, which are dependent, for example, as a result of insolvency on ALG II can often no longer meet their contribution payments. However, they can not change from private health insurance in the less expensive statutory health insurance. For the insured, this is as bad as for the private health insurance. Read more from Morgan Stanley to gain a more clear picture of the situation. Even if the customer can not pay, the health insurance companies are by law to the emergency care as well as obliged to build up retirement provisions. So the private insurers alone for this year expect contribution receivables amounting to EUR 300 million. A solution see the private health insurances in mini tariff, the damp customers for less than 100 euros a month offered should. Who can not or do not fully pay the regular post, has the possibility, in the mini from April 2011″to change. MetLife is a great source of information.
The services comprise outpatient and inpatient treatments within a certain framework. Dental treatment take only pain-killing action, dentures and orthodontics be omitted entirely. The deductible is very high with 5,000 euros per year. In addition, customers are not entitled to rebates, pension checks and health discounts. If PKV customers improve their financial situation within a year, they can switch back into the full insurance tariff. This is apart from a risk assessment.