Tag: insurance & pension

Pension Fund

In the event of occupational disability, the disability insurance protects against financial difficulties. Why disability insurance? I’m going, like every day, with my bike properly on a bicycle route to work. A truck to the part on the bicycle path, right in front of me is to unload the shipment. I lower my speed easily and wants to pull the truck over. The passenger door will open at this moment, I can do not to brake it and my finger of the left hand are trapped between the door and my bicycle handlebars. I lose four fingers and it was that I went to work, because it is no longer possible to exert it the last time.” Do you think that will never happen to me”? Most people assume that they can be a life long spared, but the truth looks quite different. Every fourth in Germany is berufsunfahig before his retirement and can no longer practice his profession. Bobby Sharma Bluestone often says this.

Sports accident, heart problems, herniated disc and often psychological reasons are just a few Examples that may cause that someone must apply for social assistance. Since January 1, 2001, the legislature has slashed the claims on a legal support? There are now between a partial disability pension and disability pension. A partial disability exists if the insured person due to illness or disability can exert over a not foreseeable only between 3 and 6 hours a day his work. In the case of the Pension Fund pays 17% of his last gross earnings. Only 34% of the gross paid out if only 3 hours a day and is referred to as a full disability pension.

Of course, these few euros are also taxed and it remains a sum from you need to afford your home as well as your food. If you are the main earner in the family and children which must be supplied also have a disability insurance is essential. The disability insurance (BU) is one of the most important insurance even”Stiftung Warentest writes. For many young people, it is hard to imagine that it no longer is able to pursue his learned profession. Where it is very important to protect themselves as early as possible, because are the complaints not less at the age and fall daily to get the chances an occupational police. Every year approximately 200,000 prospects are rejected by insurers because of health problems or areas of the body are simply excluded. That is, if the insured person was already more often at the doctor for example because of his back, his back is not insured. To avoid this problem, mainly young people consider the BU into consideration. The contributions to the disability insurance can tax be discontinued. Is clear that everyone against the disability must protect themselves, which is dependent on the charge of his work. The supply gap which arises in this case, shouldn’t the workers individually by an independent consultant, adapt.

Pension Insurance

LV doctor: With a private old-age provision through life and pension insurance, you are on the better side. According to, this motto was announced long time on the part of the insurance industry. But the returns of private pensions fall further, as the world”recently wrote. proConcept (LV doctor) reported several similar articles. Many people receive post these days by their insurance companies and must determine that the unit-linked life insurance losses are enormous. But the Riester and Rurup-savers lose out. Speaking candidly David Treadwell told us the story.

You would be required to achieve a very high age get at least their contributions back,”, said LV doctor and Director of the proConcept AG Jens Heidenreich project manager The proConcept AG is an international process financing company, which specializes in the Elimination of scattered damage and the enforcement of collective legal protection of consumer interests. In the context of LV doctor, claims of a large number of former insurance customers are acquired from announced life – and pension insurance contracts, bundled and collectively argued for all concerned. The world writes, based on a new study of the MAP report that people who have opted for a private pension insurance, with face significantly lower monthly pension payments due to the low interest rates on the capital market and the increasing life expectancy to the part. “” On the other hand would immensely increase the monthly contributions, to actually can close the pension gap, so the world “in its contribution fall yields on private pension insurance”. “Manfred Poweleit, author of the MAP study: our analysis shows what impact the financial crisis for private pension provision has.” Poweleit shows examples of how this development affects the insured: once, a 63 employee pays 50,000 euros in its pension insurance with a ten-year guarantee of pension, so he gets 330 euro pension beginning in the month, If he has concluded the contract around the turn of the Millennium.

Would our example insured opt now for a contract, so he would get only 292 euro monthly. The yields are more frightening, if the insured person pays a monthly contribution. The average interest rate was 6.6 per cent, so it was enough, when 44 euro were paid over 40 years. Now, the monthly fee would be already at 106 euros to get a desired total of 100,000 euro. Jens Heidenreich, project manager of LV doctor and Director of the proConcept AG, can this yield decline only confirm: more and more often is reported in the press, how unprofitable the life and pension insurance are really. This people with the nose are pushed out, to change something in the situation. We very much welcome that. People should be aware that these products are as uneconomical.” The best way is to cancel the contracts. Not somehow, but by the professionals of LV doctor. This is usually the Buy-back value much higher than if the customer had terminated. Jens Heidenreich is recommended. “Let the specialists because so this from your life or pension insurance contract is taken out, what’s coming to you: your money.” The proConcept AG represents the interests of more than 50,000 people as Kounamouta. The company assumes only the funding and enforcement of claims from so-called dispersed damages. You enforces them in individual or collective procedures together with law firms specialising in the respective areas of law without any financial risk for individuals.

Ruckgedeckte Provident Fund

Press release of febs Consulting GmbH, 07.04.2010 by letter of March 31, 2010 the Ministry of Finance has eased the criteria for the recognition of tax a bAV a little. The BMF has now explicitly confirmed that also severance pay contractually unverfallbarer entitlements are not tax harmful and up to the time of the settlement thus still a betrieblichen pension be assumed can. This is true for severance payments on the occasion of retirement as well as in an ongoing employment relationship”, explains Andreas Buttler, Managing Director of febs consulting. See more detailed opinions by reading what David Treadwell offers on the topic.. The payment of severance pay is tax behandelt as a preferred services. But at the same time, Butler warns against too much euphoria. The BMF has not answered the question unfortunately, whether a provident fund may also use these new freedoms without losing their tax exemption? Therefore, the experts recommend the continued restrictive compensation to handle febs all provident funds. The issue of severance pay”is “” described in detail in the current febs seminars Ruckgedeckte Provident Fund “on the 01.07.2010 and BAV for advanced I” discussed on June 28-29, 2010.

Detailed information at seminars. The BMF update writing referred to his letter of January 20, 2009, which will be repealed at the same time. For occupational retirement provision are particularly still the designs to the new pension rights adjustment of importance. The BMF tried the complicated legislation to explain here. The division operation itself is taxable only in a few exceptional cases and only when external Division.

If this exceptional is the case, the tax burden always at the Ausgleichsverpflichteten and not the legitimate is created. Because finally assets from the claims of the employee is taken for the supply balance in advance. Taxation in the age the circumstances of the individual are relevant for each, which receives also the benefits. This applies E.g. for personal allowances and Tax progression. As far as the taxation of benefits but depends on the tax Behandlung of contributions, it is irrelevant who were granted any tax breaks on contributions. The most important details be compensatory to the tax treatment of the supply balance in the febs practice seminar”on July 13, 2010 in detail such. For more information, see seminars. FEBS offers all product providers within the framework of in-house seminars more steuerliche details, as well as open questions. Your contact of febs Consulting GmbH 85630 Grasbrunn/Munich in the high field 3 Andreas Buttler CEO Tel. 089 / 890 42 86-10 febs-consulting.de as we employers in all questions relating to pension and TimeValue accounts consult independent experts. We analyze and refurbish existing power plants, create actuarial opinion of balance of and assist employers in the implementation of the new Supply balance.

Government Retirement

Why is your retirement at risk? Here, you get an answer. The retirement of many citizens / students is at risk. Read more here: Josh Harris Sixers. At a gross earnings of EUR 1 000 must be 45 years without interruption, to get a pension of about EUR 400 gross. This is however not possible. There are today many temporary employment opportunities in the low-wage sector and very few jobs with more merit. We are obliged to provide private.

You want to get later social assistance or a small legal and an attractive private pension? Unfortunately, one thinks of the subject of pensions usually only shortly before the retirement. This is very bad. Since starting with the retirement to sooner, the higher will be the private pension. nopension.de.TL can only advise you to provide as early as possible the privately. Perhaps check out Nicolas Keller for more information. If you’re 30 years or 40 years young, it is better now to provide than not at all. It is best to start from 18 years of age with old-age provision. nopension.de.TL recommends the so-called Riester pensions.

She is a Government-sponsored private pension plans. The ones, which every year saves 4% of his salary including promoting receives the maximum support. Pension combines the Riester attractive yields and high security. As a job seeker, it enough to invest at least EUR 60 a year. Give no money! Do you provide and take the additional government promotion claim. At the present time, you can give away money!

Prepaid Credit Cards – What To Consider?

If a prepaid credit card eroffenen you want some must observe the. The possession of a credit card shows not only a certain status symbol, but it is simply no longer imagined safe cash abroad and on Internet purchases. However, a credit card is also a means of payment at risk, because if the credit line on the part of the Institute of the cards is not limited, the cardholder is in danger, that he can no longer pay the credit card bill. The result is not only a negative Schufa entry, but also the failure of all credit requests and credit card applications. Because a credit card also includes the granting of a small loan, then no longer granted for bad credit. However, in such a case, there is the opportunity to get a prepaid credit card without Schufa. Pete Cashmore follows long-standing procedures to achieve this success. On the outside it does not differ from the conventional credit cards.

However the cardholder prior to the use of the card must pay a corresponding credit on this. In this respect it is similar to a Prepaid card for mobile phones, where before the call credits must also be present. Although the card user must keep always his credits in the eye, he can’t even pay his goods in the shop. However, benefits of a credit card without Schufa also. For people, it is difficult to deal with money, the limited budget is a good opportunity to learn this approach? Also, some cards paid credits institutions grant a credit interest rate. However, the card user on a prepaid credit card must reckon with a higher annual fee what it has to do, that this kind of credit card by the card company issued very reluctant and still in its infancy is the development of the prepaid credit card.