Written by on 20 July 2009
Four months after Sturla Forår felt that the house he was sitting in with his wife and grandchildren in the fire, sailed down blåleiren Katt in the forest in Science, he is back in the slide area. The house of nearly 400 square feet is divided into three, one hundred meters from where the original stood. Garage and carpenter living room is on the edge. That was before a pearl with ocean view, is today a large open sore. Counter is veltet, some are under water, a car is on your head down in the clay masses. Ceilings are several of. Forår is characterized.
- It’s vanvittig upsetting to think about what we have lost, “he set.
His wife will not be with, time after the slide has been tough. Today the couple live in a communal apartment block in the center of Netanya, the future is uncertain. The family has already secured a new plot, this time for safe bedrock. Still missing fora de 600,000 crowns the cost of preparation of road, water and sewage. This does not cover insurance. From the community, they have not heard anything in this connection.
- It has been changed, and I personally are struggling with sleep. I still experience some slide in mind, “he said.
Discretion.
Recently came the report from the investigation committee. Norwegian Public Roads Administration was imposed on all the blame for the slide. Here it states that the Public Roads Administration had expelled poor discretion with regard to the need for a Geotechnical and engineering geological investigation before they got on with road construction, and that this is due to poor project culture in Veivesenet.
Residents felt the conclusion that a relief, finally, they have received a counterpart and a cause. Now a lawyer in Trondheim put on the case, to prepare a common erstatningssøksmål for all the affected residents.
- Management of the National Road Administration should thank their God that it went so well that it did, there is at least not their profits at no was left down the camp soup here. We are concerned that we get back our lives and will cover what we have lost, as would the insurance and veivesenet quarrel among themselves. It may in any case not be money that should be on here. It is our lives and our health with the plague, “he said.
NOK Miraculously, no lives were lost. Norwegian Water Resources and Energy Directorate (NVE) is now underway to build a tilførselsvei into the houses that still remain on the slide. Twelve houses to avoid being caught by the slide. Although experts promise good avalanche protection, residents are divided in their view on whether they want to move back.
Today the area looks like it did four months ago – in anticipation of the investigation report is in fact nothing has been done.
Aftenposten meets a mother and a son, the bishop of clay masses. They will enter the house in the slide. Where is the mother several hours a day, either to vent, mowing the lawn or just be there. One night the family stayed out on the terrace, in the courage they do not live. Many are skeptical about promises that the avalanche protection is good NOK. Bjørn knobs are among them. Although several houses were standing, including Tens Knot, is the on kvikkleire also.
Doubtful.
- I do not move back. I do not trust statements from the Norwegian Geotechnical Institute (NGI), which has guaranteed that it will be safe to live there again. They have expressed themselves in such a direction on the soil that I can not find it safe to stay at, regardless of action. We have demanded that it be carried out more comprehensive measures than is thought, but it is not money to. I mean there are not enough to secure the slide in nedkant, said knob.
From the slide we see the face of his house completely on the slide. The county has said that the earliest move back about a year. Those who need to have new houses elsewhere, must probably wait even longer.
- It is not to add secret of the fact that many people feel things are not going fast NOK, said knob.
The last time it’s twice been committed burglary in the houses that remain. Residents are bitter. Said no insurance to cover extra security.
- It is a shame and a mockery to us who live there. Many people take this very personally, “said knob.
In addition, said both the council and no county to cover legal assistance.
- When Trond Giske was here, he promised a financial settlement, we would be happy with. I have therefore asked the mayor to contact Giske to hear how the state are asking for this, “said knob.
Facilities.
One of the challenges will be to buy out the houses for those who no longer feel it safe to stay at, and at what price. Those who want to become trainees are expected to claim compensation to cover the losses they have suffered, both tort and svie and loss of tomteverdi.
- Counsel should initially analyze the opportunities we have. Veivesenet is now found to have caused the slide, but no one is doomed to pay. Therefore we are afraid that this will be the coach, we can not wait for ten years. We want to get ahead in life, than as long as is our lives on hold, “said Knott, on behalf of all residents.
Middle over the entire follow-up shoes sacrifices they have received from the psychiatric services in Namsos.
- There are many who are struggling, some were over the middle when the slide went, others came soon after. But healthcare, we have been, has been very good, roses knob.
Namsos Municipality will in future set far more stringent safety requirements of the Norwegian Public Roads Administration on new veiprosjekter.
In the investigation report after the slide states that Namsos municipality should be submitted to the National Road Administration claims that it conducted a thorough survey of the quick camp scope. Mayor Morten Stene said the county now will be careful to follow up projects where the National Road Administration involved.
- This is something we should take under advisement, and sharpen into the future, “said Stene.
At the same time he is happy that the municipality did not receive any guilt in what happened. -I get the feeling that we have been much praised for how we have handled this matter. Right from day one, we have worked hard to give those who were affected, houses, clothes, mobile phones, everything they needed. For us it is important that the area will now be sufficiently secured, and the NGI has convinced us that it should be safe to move back, “he said.
Stene understand that some may think the process is too slow. The government allocated 20 million to avalanche protection, but the work has been on hold pending the report from the investigation committee. – We have unfortunately little land available, and waiting for an hours of land in the municipality. Such things take time. Therefore, some risk to wait longer than one year before they get new housing, “said Stene.
Regardless of the slide is uninhabitable, and experts from NGI has previously suggested that there might be ten years before the slide has dried out and can be used again.
Written by on 20 July 2009
Storebrand chief executive Idar Kreutzer has turned red numbers in the first quarter to a solid surplus in the second quarter.
Today’s report shows that the second quarter ended with a Consolidated at 505 million. It is well below the expectations aet result in 594 million in the quarter, according to estimates that SME Direkt has brought in for Life ™ Finance.
Estimates ranged from 478 million to 819 million.
In the first quarter deficit of 733 million at the corporate level, while last year’s second quarter ended with 193 million plus.
Storebrand does not meet on some levels, all business areas of the country well below expectations (see table below).
- Storebrand deliver a satisfactory result in a troubled market. Quarterly results are improved by 312 million compared with same period last year. The Group’s financial position is satisfactory and sales trends so far this year, good, “said Kreutzer in a comment.
Warranty Return
A life must offer customers a guaranteed return on their positions. Thus, funds invested in various types of asset portfolios, which will hopefully provide a return that is higher or in line with the warranty return.
In winter ravaged the financial crisis and turmoil in credit markets with the various securities portfolios as Storebrand Life Insurance is invested in. buffers, which should resist market movements, was no longer large NOK. So we had to Storebrand as the owner of life to take to meet the customers’ guaranteed return.
In the first quarter of this cost Storebrand nearly 400 million.
But since the end of the first quarter of the financial markets the world over picked up sharply in again. The return in the second quarter, better than the rent guarantee, but it is still lower than the guaranteed rate of return if they see the first half as a whole. In total, the cost Storebrand 19 million in the first half.
Transfers to support the return warranty is not final until the end. If the return is sufficiently up to get the funds back to the results in the later quarter.
- There is no easy joke fully said that insurance companies should make public financial statements and nothing else because it is so large fluctuations from quarter to quarter, said CEO Idar Kreutzer to DN.no for the first Quarterly in May of this year.
Still weaker
In the Swedish business is the result of the second quarter impacted positively by higher bond yields which reduces the value of commitments, while the return in investment portfolios affected by the good development in the stock and credit markets.
Developments in the second quarter, reducing the overall burden of the owner’s income for the six months, but half of the result is still dominated by the investment return is weaker than the value of the obligations.
Taken one billion
Storebrand experiencing great development in premieinntektene scheme in the market, and the total of the company has received a net tilflytting from competition for nearly 1 billion dollars so far this year.
The sale of life-pairing in the retail market is still at a low level.
As a result of the improvement in the financial markets is the return to the recommended investment choices for customers innskuddspensjon had a strong increase in the quarter.
The return for the quarter was 4.2 per cent respectively for gently profile, 9.9 per cent for the balanced profile and 15.2 percent for offensive profile. In the first half was the return of 3.8 per cent respectively for gently profile, 6.6 per cent for the balanced profile and 8.9 percent for offensive profile.
Increases management
Storebrand Investment managed 336 billion at the end of the second quarter of 2009, an increase of 107 billion in the first half.
The growth follows that of Storebrand Investment now has taken over management of SPPs customer funds.
Net new sales in the asset management industry is at 2.2 billion in six months. Respectively 90 percent and 64 percent of securities funds in Storebrand and SPP Funds Foundations have a better return than its reference indices in the last twelve months.
Cuts loans
Storebrand Bank has prioritized deposit growth and during the six months increased deposit coverage from 47 percent to 53 percent.
Total loans in the period was reduced by over three percent to 38 billion. The Bank’s performance is negatively affected by reduced net interest income.
New loans
In the second quarter Storebrand took up a new bond in the Norwegian market of 550 million with maturities of five years.
At the same time, Storebrand Life Insurance fulfilled responsible loans for a total of 245 million euro, which 70 million was a subordinated loan granted by Storebrand ASA. In addition, it is repaid in livvirksomheten almost perpetual subordinated loan of 1.6 billion Swedish kronor in the period.
Storebrand Life Insurance has in June emits new perpetual subordinated loan of 1 billion dollars.
- The adjustments in capital structure follows the plan that is communicated. Overall, give them a positive effect on the Group’s funding structure and liquidity, writes Storebrand.
By the end of the second quarter had a “satisfactory financial position”, while solvensmarginen in Storebrand Life Insurance was at 154 percent.
Written by on 18 July 2009
Buying a life jacket can be a costly investment if you’re going out on a single trip. You can instead use the opportunity to for a cheap money to rent a vest.
Rental of lifejackets is a service of civil protection in Sundsvall and Timrå have had in about 15 years. The cost to rent a life jacket is ten per day and we must have the maximum of two weeks.
- There are many who come here and rent jackets and appreciate that this possibility exists. Today, 15 rented life jackets, “says Joakim Kastemyr, firefighter on emergency services in Sundsvall.
There are about 50 life jackets to choose from. Vests are available in different sizes and weight classes, from three kilograms to 80 kilograms. Children are the most popular models.
- Kids grow of course. I think the mess much among adults and the elderly are unable to swallow their pride and use, therefore, not a life jacket, “says Joakim Kastemyr.
In 50 percent of drowning accidents, the fatalities over 50 years and nine out of ten are men.
- Young generations have a better safety culture, they have grown up with SWIMMING SCHOOL and had with them that you should be careful from the beginning, “says Anders Wernesgrüner Stone, info on the Swedish Life Saving Society.
Swedish life saving Society is behind the lifejacket terminal Sundsvalls and Timrå protection included i.
For more than 300 locations in Sweden, there is the opportunity to borrow or rent life jackets. In many places, it is here in Västernorrland, the fire in charge of lending.
During the past ten years, 358 people died in the context of recreational boating accidents. Swedish Life Saving Society estimates that eight out of ten would probably have survived if they spent a life jacket.
- So far this year, the number of drowning has declined, it is gratifying to see, “says Anders Wernesgruner Stone.
Written by on 18 July 2009
In total over 300 children in the municipality during the summer improve swimmers leave. And interest has been great.
- There is increasing every year, I think. We have more teams this year also because the demand was so great last year, “says Tanya Stone Ling, simskoleansvarig for Sundsvalls simsällskap.
Three periods
During three periods in the summer simskolan held indoors at the Sports hall bath in Sundsvall. Participants come for ten occasions either learn the basics of swimming or be even capable of and under the water. Depending on how much the children can then before.
Sara Nordström is with Joel Bäckman and Linus Westberg simskolelärare. She says that children who attend summer simskolan are between three and a half and nine years old, some quite green in the area while some have gone SWIMMING SCHOOL earlier.
“A good age”
Gabriel Åberg from Bosvedjan soon fills five years and for him is the first time in SWIMMING SCHOOL.
- We have summer cottage by the sea and think it is important that children learn to swim, then we feel that it is a good age to start even if he only teaches the basics, “said Gabriel’s father, Patrik Åberg.
Tanya Stone Ling think Swimmers is a life insurance policy, especially in a country such as Sweden where it is found for all in the summer is very popular for swimming.
- It is important that children from an early age has water habit, know how to deal with water and maybe take a few simtag for that they should not panic if they should fall into the water, for example, “she says.
The teams in the second period of simskolan is almost fully booked, but still places left in the final period.
Written by on 18 July 2009
Even in certain districts in Kristianstad, Helsingborg and Malmö, children can learn to swim for free during the summer holidays. It shows a circular ring as Sveriges Radio has implemented.
Carola Beach has his son Melvin in simskolan on Gamlegård Badet in Kristianstad and she does not think price plays a role, the important thing is that Melvin learns to swim.
- It is a cheap life insurance, I think. If you want to go swimming, it is a security that he can swim if it would happen. It is great important to him to swim.
Is there a pain threshold for your part on how much it may have cost?
- Last semester he went, it cost 220 dollars. Since increased Kristianstad kommun it by over 100 percent to 500 for the second semester and I paid it. Perhaps it was the pain threshold but I had probably paid for it anyway so important is it for me.
Carola Beach think simskolan is very important and she shares the tank with most mothers and fathers. There are big differences in what parents around the Skåne pay for summer SWIMMING SCHOOL.
Most municipalities have their swimming during the school term and therefore it is not always spent so much on summer SWIMMING SCHOOL. Nor is it obvious that it is the municipality which stands for education. It is in many cases the local simklubben.
Svedala kommun are cheapest in Skåne, where it costs nothing. Among the municipalities that charge for simskolan is Sjöbo it with the lowest price. Where the costs of a swimming hours 13 kronor and 50 cents. Most expensive is in Kävlinge by 116 kronor per hour, then Lomma to 106 kronor and 50 cents.
Written by on 18 July 2009
the slightest movement of anything from Ekoxen to wolves incredibly exciting.
It simply can not stop watching.
Wolves are very cool.
- But I can go off in a small salamander, too! All animals are interesting the more you know about them, says Martin Emtenäs, for the fourth year program for SVT’s in the middle of nature.
One day he climbs into a high spruce to check a ekorrbo, next day he sits in the Huk and scratch for insects among the wilted leaves.
Martin Emtenäs like any animal.
And he’s very thrilled when he finds a STAG BEETLE on the little gravel road when we meet in eastern Blekinge.
It is indeed quite flat and very dead, but you can at least show on TV how it looks, if you would not find any live specimens.
- Here is a loose wing too! And one leg, and one to! Peder has tape, we can tape it together! he was joking.
Peder is filmmaker Peder Sjöqvist. Tv team from Umeå traveling around the country and the kingdom to make the program on Sweden’s landscape all animals and hope to film the flying Ekoxen. The conditions are bad this rainy junidag. If the rain fly does not Ekoxen at dusk as they used to. And the camera does not tolerate too much moisture.
- Flies are not, we can not do anything about it. We can not direct nature, it may be that it will be. And we never fake. We never use old pictures or pictures of animal parks or so, says Martin Emtenäs.
His natural interest is not fake. It has always been there, “he says.
- Perhaps it is linked to the father is a teacher of science and chemistry and biology. We were really out in the woods when I was little. I always lift the stones to see what’s in, and took home the copper snakes and such. Dad encouraged the stuff, but Mom was wondering why I always have to take in everything. For a while I had a box under the bed with three copper-snakes. But it was not I have left for Mom.
He has been in the Mulle, Litter Varna and Frilufsarna, outdoor promotion activities for children, but not in the field biologist.
And some pets were not in the family.
- My brother is fur allergies. I tested with the desert rats and guinea pigs, and it worked a month ago, it was not longer.
- But I have had a pike as pets, in a 540 liter aquarium. Ernst was his name, after pirayan in the series on Ernie, “explains Martin Emtenäs.
Ernst died three years ago.
- He swallowed a dykarbaggelarv. After five minutes, he spat it out and put on the side and tvärdog, so I do not know. The larva was alive and continued to swim around. It may sound crazy, but I have no Ernst very much.
Martin Emtenäs now live in an apartment with as steep stairs that he did not get the big aquarium.
- But you could have perch as pets in small perch. They can probably eat akvariefiskmat?
Martin Emtenäs grew up in Oxelösund. To Umeå, he moved the first time in 1996 when he made the Army on Protection School and learned how to deal with chemical and biological hazards.
Since it became university in Umeå, in molecular biology, an intersection of biology and chemistry.
- The subject was very focused on research, but it took two years before I realized that I did not want to spend the future in a laboratory, among a bunch of tubes. So I quit, thinking about completely read a patchwork of courses. Mushroom Toxicology, Swedish, media and communication, and so I went to an author course … I always liked writing and thought of language.
- And I have actually had the advantage of every course.
Parallel to the studies he made studentradio in four years.
- We were tokambitiösa, did lots of research beforehand so that you could go directly to the interesting questions when interviewing people.
The radio took more and more time, it was fun, Martin Emtenäs searched for journalist training and came in at two places.
- At the same time, I got a summer job at Radio Västernorrland, Sundsvall. And when I got job in which I ignored in sustainability.
Where was the middle of nature varied from Umeå and Sundsvall. In Sundsvall low radio and television editorial in the same house.
- And when Linda Olofsson would stop that program for the middle of nature they asked if I wanted to test shots.
It wanted him.
Now he travels to film Monday to Friday every week. The working hours in between, he spent in cutting room or with planning.
- There are long hours of travel during the week, between twelve and sixteen hours is common. Or, even more sometimes, if it is in a gömsle a night for example. Then have no need to do anything when you’re free!
One thing he does anyway: Plays drums.
- We had a hardcore band in Nyköping, played tough, angry music, “says Martin Emtenäs and looks very, very nice out.
- Now I play in a band in Umeå called Punk Rock Orchestra, where Beppe Star Brink is program in Gokväll plays bass. We meet every other week or once a month. Otherwise, I have played in everything from student orchestra and big to cocktail jazz, and so I have been a drum teacher at Folkuniversitetet.
The rain paused. Martin Emtenäs walk on the gravel road, go in the woods, showing up the dead Ekoxen so Peder Sjöqvist should have their inklippsbilder.
On a mossy Tuva run several spiders with bright äggsäckar the abdomen.
- When I was little, I took in a spider with äggsäck and released it on the kitchen table. Then burst äggsäcken, and then swarm the entire table of small, small spiders. It was nothing to do, more than laugh at it. Fast mother laughed not.
He rakes in wilted leaves and picks up a WOOD-LOUSE.
- There is a kind of WOOD-LOUSE which rolls up to a small hard ball when they get annoyed, globular WOOD-LOUSE. It is mother’s favorite animal!
Another small animals crawling on the hand.
- A tick! I am a real tick magnet. Do you know why ticks replace bones from six to eight? he asks accompanying skalbaggsexperten Nicklas Jansson.
The recording of the program rolls on without much RIGORS. That is not always.
He was snorkeling in a lake full of blood iglar, come up with lots of iglar on both wet suit and undervattenskamera and has a blood leech sucking blood from tumvecket. There was a huge wound, “he says. Scar can still Anas, though it almost a year. But he did not test first.
- It is difficult to be spontaneous if you have tested before.
And he has krupit into a varglya and picked up the kids to tag them. Wild wolf pups.
- It is probably the coolest I have experienced so far!
It’s fun to climb trees and climb the mountain, do things that exceed your abilities. It’s fun when it’s a little scary, like Martin Emtenäs.
He has climbed up a six p.m. meters tall, bare tree trunk to a havsörnsbo.
- It uses climbing with sharp keen on the sides as you run into the tree, and around the strain you put a rope to keep in.
- I had never done such a thing before. When I test climbed lost my grip when I was at one meter height and plunged down, and when will it is that it could happen higher up.
- I had with me a man who was twice as old as me. He up for the strain of four-five minutes. For me, it took 40 minutes to take me up. When I was halfway, I was jättetrött and had such a lactic acid that I thought it would never go, but it did.
- And if it was difficult to climb up it was even worse to climb down.
But he came down unscathed.
- A while ago I climbed up a CORNICHE to tag raven-kids. I had problems with the safety rope as I hung there in the half-wall with a lot of stones on the ground below, while a tiokilos stone fell down half-meter from my head.
- When will it afterwards that it was right disgusting, really. But I am probably pretty good at keeping me calm.
The question whether he has any life slipping his elegant past. The premium would probably be really high.
He has a cohabiting partner. But no children.
- I would not be gone so much. And so it is of course important to come home alive.
“It’s a bit heartbreaking this,” he said in a program when he was with the researchers and trapped deer that hung upside down in the legs to be weighed.
- It is fun to be with such, though you can not help but feel with the small animals.
But he is not vegetarian.
Climate and environment are important but difficult issues, like Martin Emtenäs.
- I’m trying to keep up. It is easy as long as you only have a little track, but the more you know, the more difficult it becomes. Ethanol-powered cars, for example – how good is it? If it means that people are hungry for the grown goes to ethanol production?
He lives within walking distance from work and drive more car for work trips than their own car.
- When I start my car in carporten father, I often almost through the wall because I forget trample the link – I drive too much auto-matväxlat in the job.
- We fly a lot, and that is a burden on the environment. But there are no reasonable alternatives. It will be better when Botniabanan opens in a few years and we have a TRAIN SERVICE coast. But it has not been uncontroversial because it passes through sensitive natural areas.
If he is not to send in the middle of nature, until he becomes a pensioner – what will he be when he grows up?
- No idea. I might write a children. When I read molecular biology, we had an information hit the first weekend, when we got to see a list of jobs that people who read the material had been received. One had become a author, and it seemed the most fun.
Written by on 16 July 2009
The term describes the flood situation vzedme level of rivers and floods, all other reasons for flooding, such as torrential rain. What we face in the last days in the Czech Republic, is more flooding. The Czech insurance in the event of civil insurance, ie households and buildings, we make a difference, both insurance covers such risks.
It is standard on the Czech market, so that the clients are covered on both sides?
I think yes. Bigger problem is that people have a long fuse, and once since then to reach them. The value of the property or things in the household increases. You may be unpleasantly surprised to have received little money. When you go to any village, you will find that most home insurance policy is, but when it ask for the amount they are insured, there already is becoming a problem. Not all are aware that their policy of negotiation of the value of household should be increased to double.
How much damage has been reported in the Czech insurance clients?
At the end of last week we announced the claim of people in 8144 volume of more than 600 million crowns. Overall, we estimate more than ten thousand cases in which pay in the sum of around three quarters billion.
In comparison with the previous two floods, what were you this year? There are worse or less severe?
They are significantly smaller than the two previous. In 2002, we the people pay damages in 9 billion in 1997 for five billion crowns.
On your website information on how to be affected by the floods behave. Still – are some principles to select what type of insurance? In the flood-affected areas around ever thought that such a catastrophe to come.
When the insurance company insures the property, takes into account the location of the property. Important also is correctly set the value of the property and its equipment so that it corresponds to the real situation. It is not completely true that in the affected villages nobody knew many stream flows, moreover, some are in flood zones. Many people probably not likely, but given how the climate changes, so these things are becoming increasingly short and not long ago that if I have the house on a hill can not be washed.
Now repeat for the third flood in a short sequence, is more interested in the insurance against them?
On some hard numbers it is still too early. Districts and regions where water Radil, increased interest in reporting. It is also the influence of media. But we believe that to this effect will be. So until something else happens and people forget again. After floods in 1997 and 2002, there have been only for short-term increase in interest in this type of insurance and quickly returned to the state before the flood.
Do you think that a rapid succession of floods in some way changes the cost of insurance and change the face of flood maps?
Dramatic changes in I in connection with the actual damage expected. Maybe there is a small adjustment in the affected areas, but that this should affect significantly the cost of insurance, I do not think so.
How are the insurance against the Czechs in the world?
When we look at non-life insurance, which fall under the household and building, we are very similar to Western Europe. The problem is that people insure assets at too low a value. In contrast, in the field of life insurance in Western Europe significantly fall short.
We assume that the insurance against disasters will become trendy matter?
We are part of Generali, which is currently engaged in development of climate change in relation to the insurance market. Unfortunately, all indications lead to the fact that in the next fifty or hundred years will increase in these adverse natural phenomena striking. It is therefore many reasons to grow this type of insurance. But a lot depends on the ability of insurance companies, whether customers are able to explain the importance of these products. I’m a little sad that the insurance companies have recently focused mainly on the fight of his client and liability, while I think people would rather help it is to understand the risks which may be a vitally affect their property.
Going no longer any special offers insurance against such catastrophic events?
We have at the stage of general considerations. I can not say that we now have specific products, which we expected worsening weather situation were able to catch. But be prepared for it.
In addition to flooding and there is another problem, equally serious, and thus the economic crisis. How affected the insurance market? Insure more people, or less?
This question is need rozfázovat in time. Economic crisis, financial crisis began in the last quarter of last year. The insurance companies are affected mainly in the investment field. Then there’s that in the first quarter of this year, car sales fell. This is svezlo and accident insurance and liability. Another negative impact of the crisis in the life insurance business, particularly in its stornovost. Some people need cash, and the policies chosen money prematurely, even if it means financial loss. How will it look like more, depends on the evolution of unemployment. Now, with tensions expected numbers from the second quarter. Though we have a theory, which could take away the insurance market, certainly do not want to anticipate events.
It is in your crisis and opportunity for the insurance market? There are new types of insurance, for example, specifically the Czech Insurance Company offers insurance složenek …
Yes. We offer products that are somehow linked to the loss of employment and inability to pay something. They are slip, mortgage cancellation. What is perhaps even more interesting, is life insurance. People looking for an opportunity to safely invest. Search are to be products with guaranteed returns. We have this area in time podchytili and we pay.
How great interest is referred to insurance, which is linked to loss of employment?
Relatively large. I can not but say that should not matter much you earn. It is rather an additional product. But interest is, I can confirm.
In print, the Czech insurance company classified as so-called friendly society. And that líbivými products, viz. Insurance složenek, seeks to attract new clients in times of crisis. Agree with this label?
I would be very happy image of a friendly society. Behave as a company that has some social responsibility, but I ranked it among the insurance složenek, about no. I think that these products respond to market requirements. It is not a charitable activity, although we do here. We want to be a reliable company that is trustworthy, stable and is always able to meet its obligations.
When we talked on the supplementary insurance, is preparing a Czech insurance company in this area something new, something substantial?
That we preparing a revolutionary step in the changing market, I would probably say. Frankly, we think that the crisis in the insurance industry falls with a time lag. Reflects the production of the domestic economy, the development of unemployment and household incomes. Profound year when I’ll really have effects that will be next. I believe that it is too early to say with certainty what may all states. We do not know where we introduce the crisis. As regards the extension and adaptation of our product range and to plan in the autumn.
People are generally in times of crisis spořivější, as reflected in the environmental insurance savings, which was previously widely used? Not be an outflow of clients?
Life insurance is sold about the same as last year. Little has changed the structure, the more people tend to guaranteed products, with some income, as I already indicated. Conversely, a decline in interest in unit-linked life insurance. Again ears but we expect the figures for the second quarter, as the information we have from other insurance companies are all kinds. It is true that people are increasingly in favor of greater liquidity of funds saved, which at this time helps to more banks.
At the beginning of the Czech insurance bureau began hanged owners of motor vehicles who do not have the liability. Called on them to not just pay a small fee to the so-called guarantee fund. Signed this campaign on the quantity of the Czech mandatory liability insurance?
The effect of the campaign is noticeable, for all insurance companies. Decreased significantly the number of uninsured vehicles from 245 thousand at the end of 2008 to 60 thousand after five months of the campaign bureau. And both on the grounds that a central register of people have already logged out non-existent, or insure the car.
If nemýlím, Czech insurance company in determining the price of compulsory liability using the so-called segmentation. Price depends on how the content engine, and from the age of the driver or the place where the vehicle is registered. Proved to be this way?
It is a common practice in most developed markets. Of course, but the method of segmentation time and improves the vyspívá.
When this method of introducing some of my colleagues Zdvihal warning finger to the fact that this system can be circumvented. For example, you register the vehicle somewhere in the village where it will be cheaper, but will run in most Prague.
This can not be excluded. The abuse we know, but such cases are very few, mainly because of complications and risks involved. It should be but said that the most important input for determining the price for us is not where the driver goes, but how to safely ride. If you are driving without accidents, may have a liability to be cheaper by half. In favor of the good drivers will continue.
Written by on 16 July 2009
Radostná event in the form of child birth is usually accompanied by the departure of one of the parents on maternity leave. Parental contributions and other social benefits to the gap in the family budget offset rarely. Breadwinner should therefore increase the amount of insurance and extend coverage in the event of the loss of income is also him.
“The number of people who are dependent on the income of the insured, affects the amount of premiums, which should be agreed in the contract. Many insured periodically update your insurance policy and agreed it does not cover their living situation, “says Nicholas Duda, spokesman Insurance Česká spořitelna.
In the case of families with small children where one parent is on maternity leave, should be insured amount calculated with extreme care. “Clients in this situation, we recommend that life insurance was able to substitute loss of income to the insured for two years,” says Nicholas Duda.
Load of child life insurance
Children’s life insurance provides financial support especially in the health problems the child or the child shall in the case of the tragic events in the family. It can also serve as a savings to facilitate entry into the child independent lives in adulthood. Interest in this financial product in the country in recent years is growing very rapidly. “At present, the Czech Savings Bank Insurance insured nearly a quarter of a million children in the last year the figure rose by 35 000,” says Nicholas Duda.
The insurance company Česká spořitelna interested in children’s insurance offers flexible life insurance or pension JUNIOR child as part of a family FLEXI life insurance. Insurance can arrange up to 25 years of age a child is accepted into the insurance without examining his health.
Written by on 16 July 2009
Transfer tourism between the pension funds is likely over. At the beginning of July the president signed a law that will allow funds to transfer to another fund before the expiry of five years from the negotiation of pension scheme to charge customers to osmisetkorunovou fine. It is to prevent the practice by some financial advisers to coerce clients to change the fund that they can vyinkasovat commission.
According to representatives of associations representing consulting companies, which have Young Front Today, there is concern that the consultants’ zlatokopové “will now focus on the much more lucrative life insurance business. They can manipulate and clients so that the existing life insurance at a loss and cancel conclude new “better”. A consultant will receive a commission of up to two years of premiums. To blame the insurance companies are supposed to constantly increase the commission to advisers brought them as far as possible new clients. But all end up paying client. Without the often knows. Similar measures such as pension schemes, however, still is not.
Should the state commission to regulate the life insurance? How would you limit the unfair practice of consultants, which is only about the commission and not the client’s financial well-being? They will relate to you somehow limit transfers between pension funds?
Written by on 16 July 2009
According to a study by the Factum Invenio similar contributions even welcomed nearly 90 percent of Czechs. Save both sides Yet this benefit is still not the most, in the Czech Republic to offer about 50 percent of firms.
We offer the benefits of leading vouchers, which have become almost commonplace. Behind them followed the use of phone service, contribution to pension insurance and life insurance and use of company cars for private purposes.
A survey of Sodexo, an intermediary company benefits, while showed that the “vouchers” promote satisfaction in the company, while the benefits related to increased motivation of employees leave. They have the feeling that the company appreciated the effort, which requires from them.
However, most companies provide a week long vacation than the law prescribes. “One week paid holiday in addition, it should also be considered a benefit,” says Jan wag, director of ING Employee Benefits. “This week, the company must pay at the expense of its costs, so this approach can be considered as very important benefits,” he adds.
There are many
Company under John wag employees may contribute to holiday in such a way that pays them part of the trip that you purchased, or they can be flexi passports – that is, bills that can be exchanged in the travel agencies for the trip or pay their accommodation in a hotel in the Czech Republic , sports, visit cinema, theater or education. Each have to decide. In addition, benefits will save both parties – both the company and its employees.
Holiday vouchers can be used as a 13th or 14 salary. “For employers, the contribution to the holiday up to 20 000 crowns per employee exempt from charges for social and health insurance. Can achieve savings and 11.6 percent,” explains marketing director Daniela Pedret from Accor Services, which operates poukázkové systems.
Paid if the employer, for example, summer bonus in vouchers or Holiday Ticket Ticket Multi, employees receive 47 percent compared to the addition to wages. Contribution in the form of vouchers is not subject to income tax deductions of individuals or social and health insurance.
Why use vouchers few companies?
However, the company found that vouchers do not. The problem may be in communication. While the “vouchers” are already known, with the new bills should be familiar staff.
Each of the new benefit, which the company introduced, should be present. It is therefore the access of firms itself. It is administratively simpler, of course, give employees tisícikorunovou premium, which is the prescribed form, than to introduce a new benefit, which is administratively difficult and campaign for its promotion within the company will also require some extra work. However, the bills paid.
“When you give employees tisícikorunovou premium, he left it, minus taxes and deductions for health and social insurance, say, half. However, if you have employees tisícikorunovou voucher, the voucher will remain the same value and any payments from the company or not,” explains Lukas Malik, Product Manager of Sodexo.
If you receive bills therefore tempted to leave, not to wait up to someone in management or human resources attacks. Lukas Malik therefore advises: “I recommended to submit a proposal for the new benefits in the context of internal investigations and interviews. When employers see that employees have the benefit of great interest, they certainly try to meet.”
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