Tag: money

Sickness Insurance

Difference between daily sickness allowance and daily hospital benefit. How important is a dental insurance and travel insurance, and why a comparison saves costs legally insured persons for the additional protection of her not covered risks private supplementary health insurance (retirement) as a supplement to the statutory health insurance (GKV) which serves private supplementary health insurance. A private additional insurance is optional in any case, the insurance contract only applies to that particular person. If this has piqued your curiosity, check out isearch. The most important private supplementary insurance represents the foreign travel health insurance, it granted in all countries of the world the required medical care; the inclusion of repatriation is advisable, because in some countries the medical standard is not the Western. When entering some countries, evidence of the existence of a foreign travel health insurance shall be provided. Travel insurance can be completed as part of a comprehensive travel insurance package. The private health supplementary insurance is offered by many private insurance companies so often pays a supplementary health insurance comparison! Dental insurance: reimbursement for dentures more popular supplementary insurance is protection against costs of dentures; in connection a refund of up to 90 percent of the cost of the restoration be achieved with the case packages provided by the statutory health insurance in this way.

The opinions differ about the meaning of an additional insurance for the glasses; who is content with a low-cost glasses not needed more. Neil cole iconix oftentimes addresses this issue. Usually insurance about the optometrist is offered for very expensive glasses. Sick day fluke and hospital daily benefit in supplementary health insurance the hospital expense insurance pays the agreed rate for each day the insured in hospital spending, while the sick pays the sickness benefit insurance for each day. That is safe for the self-employed and freelancers Sickness benefit insurance of importance, so that the loss of earnings during a long illness replaced them. For employees entitled to sick pay in case of illness, hospital cash insurance makes sense because during a hospital stay cost incurred, from the performance of the insurance cover that can be; It is also to think of the travel expenses for relatives coming to visit.

Postbank Account Now With 50 Euros Starting Credit

Until April 30th, 2011 post bank giro account and tank discount and credit assure all customers that checking plus account the Giro of Postbank until April 30, 2011, can provide also a generous sign-up bonus of 50 euros in addition to attractive conditions. The Postbank giro account is free of charge from a monthly minimum payment of 1,250 euros without ifs and buts. The account package includes one EC / Maestro card also a VISA credit card, their Vorzuge the first year most definitely can be used free of charge. If you have additional questions, you may want to visit neil cole iconix. Through the cards double customers benefit worldwide from financial flexibility. With the Postbank card can be withdrawn nationwide at over 9,000 machines of the CashGroup free cash.

The credit card customers at over 1.6 million ATMs around the globe with cash. With the Postbank Giro plus customers benefit twice: to get these conditions, as they are found mostly only direct banks, on the other hand they can the personal service in one of the 850 financial centers and numerous branches at any time Take Deutsche Post claimed. Who pays card at one of the participating shell service stations with its Postbank, secures a discount of one cent per litre refuelled in addition. For customers who are traveling much, which is an added bonus. But not only tank discount and a lucrative sign-up bonus and 1.10% interest p.a. expected Postbank customers if they put their money on the attached tag cash account. The peak rate applies to deposits up to 500,000. Customers must also not worry to their deposits, located on current account or the account of the day money. For all customer deposits are secured by the deposit protection fund up to a height of 1.21 billion euros. More information on the giro account of Postbank there under… Christina Korpert

The Search For The (supply) Gap

The supply gap in retirement could be how large, can anyone even calculate whether pension hole or gap there are different terms for a scenario that is likely to be on most of us. Because only with the statutory pensions the accustomed standard of living in retirement can be maintained. Therefore the difference between the height of the last salary and the amount of the initial pension payment (just the gap) is for more and more people in the future to be a decisive factor in terms of quality of life will be. Especially since the pension level is likely to fall more and the risk of inflation must be taken. If you roughly want to figure out how big is the impending gap, a look at the annual pension information of the German pension insurance, the estimated amount of future statutory pension resulting from the advisable first of all. Get all the facts for a more clear viewpoint with Samsung.

You have already a benchmark, which may change at any time. Moreover, experts assume that most pensioners on approximately 20 per cent of the last salary level without quite retired also many general issues can fall away because at the age. However, consideration of the loss of purchasing power resulting from any sustained inflation. Here we recommend you, with an annual inflation rate of 1.5% expected a pension of 800 euros per month worth as a result in another ten years only 680 euros. It now expects from the expected pension is in the picture about the looming gap.

All these aspects are always topic for a non-binding and forward-looking advice. So can a later looming pension gap minimizes and retirement plan peace of mind.

Private Pension Insurance

Provide relaxed for the age of the Riester pension and benefit from State allowances and tax savings. The Riester pension is the most popular variant of private pension schemes. With the Riester pension, everyone who is pension resident, has the possibility to supplement his pension. In contrast to purely private old-age provision, by life insurance policies or similar, can you get up to 200 percent on the monthly contributions as a subsidy by the State with the Riester pension and comes in addition to benefit from tax advantages and savings. More flexible and more secure you can hardly save his money for the age.

The Riester pension offers many investment opportunities, so there is something for everyone. Also the interest earnings are good. These vary depending on the risk level of the type of investment and the total duration of the accumulation phase between 1.5 and 10 per cent. The Riester pension assets the best-known forms of investment are the classic Riester pension insurance and the unit-linked Riester insurance. For better comparison here a small example: A woman early 30s with approximately 30,000 EUR gross income from an employment relationship in the year 2010, 2011 a Riester insurance contracts.

To get the full government support, 4 percent must be paid including the promotion the previous year income in the Riester pension. In this example the 1,200 EUR are in 2011, so 100 euros a month. Less State funding, they were thus EUR 87 equity performance in the month. With the classic version, the continuous contributions accumulate up to retirement from the 67ten age, approximately 70,000 EUR, interest income of 24,000 EUR and grant bonus interest of 3,300 EUR divided into a power of approximately 37,000 EUR, Government allowances of approximately 5400 EUR. This total is then approximately 290 EUR until the 85ten year of life transformed into a monthly pension and paid out. At the linked variant, are age at a stable return assumption of 5 percent, while the 67ten even approximately 110,000 EUR with a monthly pension payment of about 350 EUR up to the 85ten age. In contrast, designed is pure saving of 87 EUR per month, without the allowances from the State and also the higher interest income, over a period of 35 years significantly leaner. Here, they were roughly only around EUR 40,000 year of life together would have to get up to the 67ten. So why should you use not the allowances by the State, if they are already offered. Tax advantages of Riester pension in the example calculations still not taken, are the additional tax benefits of the Riester pension during the accumulation phase, by means of the special deduction in the income tax return. This is a further advantage over normal savings account deposits. Whether at all is therefore”the Riester pension probably less an issue. The question is much more interesting to the correct form of investment for one. What form of investment for even the best is, if one combines different forms of investment and which insurance provider has the appropriate conditions, it should be non-binding advice before conclusion of the contract. Detailed information and a Riester comparison can be obtained on the website of the riester rente.de. Where to get a detailed insight into the forms of investment and can use the Riester computer quickly and easily.

Rurup Pension

Useful information about the Rurup pension the Rurup pension is well known in the German pension system since 2005, and received its name after the founder and inventor Bert Rurup. The Economist has developed this type of annuity that is State-based, subsidized. If you are interested in this form of pension, then you’ll notice first that it is an annuity, based on contributions from private savings constitute. These are gradually promoted within the so-called accumulation phase that you implemented through tax benefits. If you have reached the age of retirement and the Rurup pension claim, a full tax assessment arises however. A leading source for info: Mikkel Svane. You can view the Rurup pension also as known as an annuity.

It is intended only for the purpose of retirement. There no possibilities in the framework of this pension form you, to use them as a kind of credit, for example, for the purchase of a condo as later retirement. Expressed in other words, you should in this context note that there is no capital vote in the Rurup pension. You can use different variants of any claim or to build of a Rurup pension. The first is the form of the traditional capital – pension insurance or you take the possibility of the unit-linked pension insurance claim. This offers you the chance to use the collected from you during the accumulation phase and paid-up contributions reaching the pension rights exclusively for the retirement. Thus, it can be avoided that the Rurup pension is not used for other uses.

The Rurup pension is a model, which should ensure an optimal retirement in the first place. In addition, she benefit the State. This is the fact that you would use the savings to sums of money only for the pension and thus cannot claim the State or pension fund. Sure you interested at the Rurup pension in particular also for the tax procedures. A special graduation for years you should this keep in mind. Have you retirement in 2005 established a Rurup, then you are involved with 50 percent in the taxation. 2020 increases this percentage to 2 percent annually. You can expect an only 10 percent tax if you want to complete a Rurup pension from 2040. The reason for this methodology is that workers should be tax relieves. Pensioners, however, aimed initially more tax burdens. However, the retirees in this context are topped with a fairly low and low tax rate. If you are self-employed, then the Rurup represents an excellent way pension for you, to create an old-age pension, which is also tax advantages. Moreover, it is a good option, because you must pay a high tax at times of their independence.

Bank Insurance

The financial portal Finanzprodukte24 with new operators and even better service you should carry out an insurance comparison insurance on all cases. Because it may save a lot of money one. And money has hardly one in abundance at the present time. Recently Samsung sought to clarify these questions. Maybe some where that is possible and why you should compare insurance are wondering. Learn more at this site: Kai-Fu Lee. Now, a comparison is therefore useful, because you can save a lot of money. And carry out it can be of course on the Internet. In times where still no World Wide Web there was, you could hardly do.

Mostly not at all, because the cost would have been too big. New Jersey Devils Owner can aid you in your search for knowledge. But today, it is quickly and easily possible. And that’s why you should use also it simply, because you have more money left over at the end. It is a very simple question: two insurance companies, two policies for disability insurance or a legal protection insurance or other insurance. Both policies are roughly the same. One costs annually 1000 Euro, the other 500 euro. Which would you take? I think this question is superfluous.

And precisely for this reason, you should make a comparison. Whether moving the savings of this magnitude, that we do not know beforehand of course, but it is not impossible. But you can see that you can save a lot of money, if one takes the time and makes an online comparison. This goes also with financial products, where it creates money and takes such a Bank, which pays one of the highest interest rates. You can perform both comparisons on the Web site. The page is already a long time the premier online and many customers. Now there was a change of operator, the other day what is even an advantage, because the service will be expanded in the future and further expanded. Raquel Moreno Garcia

Franke Banks

If there are institutions which benefit from the financial crisis, there are the savings banks and cooperative banks. A recent study of by GfK comes to this assessment. A study of the Nuremberg market research GfK showed that the Germans in your House banks despite the currently troubled economic situation, in particular in the financial markets, not confidence. 91 percent indicated the respondents, regardless of all the negative headlines to be remained faithful to their financial institution. The much-feared looting”the accounts did not materialise.

In particular the approximately 450 savings banks in the country are highly popular. More and more investors want to put their money in security and choose for this savings, day – or fixed-term deposit accounts, which view it as a safe investment. The savings banks have separate deposit-guarantee schemes, which are designed, the institutes to support each other. Nationwide savings banks report that customers withdraw savings car banks, private banks, direct banks and restructure them. The Stadtsparkasse Koln-Bonn, for example, reported by Customer access from abroad, also from outside Europe.

The customer asked it explicitly to the collateral of a savings bank and transferred then higher millions. Also the cooperative banks are in wake of the financial crisis a dramatically increased deposits and increased customer numbers. However a slight increase of loans as a result of the financial crisis cannot be ruled out what runs counter to the positive effect of the attractive interest rates on savings. Every fifth German citizen has dissolved its risk-fuller forms of investment from fear of loss and opted for a safe investment. According to GfK, which has decreased significantly in riskier asset classes, such as equities, funds and certificates, invested volume. Parallel, there were increases in day and time deposit accounts.

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!