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With the help of a ritual counselor it is possible to make the funeral of a loved one completely ‘tailor-made’. Ritual counselors also include: funeral speakers / funerary speakers. And did you know that relatives can be reimbursed for the costs of a ritual counselor through their funeral insurance? One of the best sites to currently check for German information is this website.

Funeral insurance

The costs of ritual counseling are in many cases reimbursed by funeral insurance .

However, the amount of the reimbursement and the degree of freedom of choice depend on:

  • The type of insurance you have taken out
  • The amount of the compensation

These aspects may or may not form a limitation when choosing a ritual counselor.

There are different types of funeral insurance:

Capital insurance

A capital insurance policy pays out an amount after death that the next of kin can spend completely freely. So you choose a ritual counselor yourself and determine how much you want to spend on ritual counseling.

  • With an endowment insurance policy, you receive money from the insurer with which you can pay the costs for ritual counseling.

Sum insurance

With sum insurance, often known as sum insurance in kind, the next of kin are free to arrange the funeral according to their own wishes. Engaging a ritual counselor is therefore also an option.

  • A sum insurance policy reimburses the costs of ritual counseling. You can send the invoice for the ritual guidance to your funeral insurer.

Combination insurance

A combination insurance consists of two parts that can have the characteristics of a capital sum insurance, sum insurance or in-kind insurance. In many cases: a) a fixed package (or amount) of funeral services is reimbursed and: b) an amount that is ‘freely disposable’ and can be filled in according to one’s own wishes. (Source: Uitvaartpolis-online.de)

  • With a combination insurance policy you can use the ‘freely disposable space’ to pay for the ritual support.

In-kind insurance

With an in-kind insurance, the funeral director adheres to the service package that is offered through the funeral insurer. It is determined in advance what the funeral will look like and what will be reimbursed. In principle, this cannot be deviated from, unless additional payment is made.

  • An in-kind policy covers a fixed package of funeral services after death. That is why this insurance is generally the least suitable for getting the costs of ritual counseling reimbursed.

Even if you do have a contract and also do not have a negative registration, a no-fuss mini-loan can be interesting. For example, if you want to borrow 1000 euros, it is not possible to take out a personal loan. A personal loan can only be taken out from 2500 euros. So if you want to take out a loan under 2500 euros, you have to look for an alternative.

  • A mini-loan is available from 100 euros up to 1500 euros. If you want to borrow more than 1500 euros, you can choose to take out several mini-loans.
  • On average, a mini-loan is applied for within 5 minutes. This shows that it is a hassle-free loan, you are not asked for all kinds of papers. Within about 10 minutes you will receive an offer from the lender by email. When you return the signed offer, it will be reviewed within 24 hours.

First time loan

The first time you apply for a no-fuss mini-loan, in Germany you can borrow up to 600 euros. If you pay it off within the time limit, you can borrow up to 1500 euros the next time. You will not be asked for additional paperwork or documents the first time either.

Existing customer

If you have applied for a mini-loan before, then it will definitely be borrowing money without hassle. For customers who have already taken out a mini-loan, an even faster service applies. You can then apply for the money in as little as 2 minutes.

Minilending without hassle application

A mini-loan can be applied for in 4 steps.

  • Step 1
    Select the amount you want to borrow.
    This is an amount between 100 and 1500 euros.
  • Step 2
    Upload your ID card or passport.
    Make sure you include the front and back.
  • Step 3
    Fill in your personal data.
  • Step 4
    Verify your bank account.

Minilending repayment without hassle

You repay the mini-loan within your chosen term of 30, 45 or 62 days. A loan of up to 1000 euros is repaid within 45 days. A loan of up to 1500 euros must be repaid within 62 days.

Early repayment

You can also repay the mini-loan earlier. Please note that you then have to repay the full loan amount. You will therefore pay interest on the amount as if you had the flash credit at your disposal for the entire term.

Not repaying on time

Are you unable to repay the loan on time? Then contact the lender immediately. An arrangement can be made about the repayment and the mini-loan will be extended, as it were. If you do not contact them, extra costs will be added to the loan.

Antivirus Software, or otherwise called anti-virus, is a powerful computer application used to stop, detect, and eliminate malicious software. Malicious software programs are typically created and distributed by hackers, tricking users into installing and/or downloading their programs. These programs can be extremely harmful and should be taken very seriously. If you have been affected by this type of malware, then you need to get an effective antivirus removal tool. Here is what to look for in an effective tool:

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Antivirus Software, or just antivirus, also called anti-virus, is a powerful computer application used to stop, detect, and destroy malicious computer programs. It can be used for several purposes, including protecting company data from the effects of viruses (such as those that are sent through email), detecting, and removing malicious computer programs, as well as protecting against Internet threats, such as viruses that originate in remote locations. For many businesses and individuals, Antivirus Software offers many benefits. However, there are certain circumstances where using Antivirus Software can cause serious problems. By performing the steps outlined in this article, you can prevent these problems from occurring.

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On a daily basis, many different types of malware are created and distributed on the Internet. Some of them are fake applications that pretend to be antivirus programs so that you download them and then open them up. Others are actual malicious software that infects your computer and tries to get you to purchase the upgrade to the malicious software. While there are real cybercriminals and genuine antivirus programs on the Internet, it is always recommended that you use a real protection so that you can get rid of all potential threats to your computer.

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Antivirus Software, also called anti-virus, is a specialized computer program designed to stop, detect, and eliminate malicious software. It is similar to an antivirus that checks for virus signatures within files and creates a list of potentially infected files. The user scans the computer for infections with this program. When the scan detects an infection, it displays a list of files that could be infected, giving the user the option of either removing or protecting the file. A good antivirus should perform several tasks, including detection of virus, removal of infected files, and possible updates.

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