Tag Archives: insurance & pension

Private Disability Insurance

General disability pension is enough to safeguard the living standards in the case of disability, not from private BUV required the legislator of 2001 for far-reaching change existing rules to the disability had been with the law on the reform of pensions due to reduced earning capacity. Especially the de facto abolition of statutory occupational disability insurance in favour of a new three-tiered disability pension had serious consequences. This pension is paid depending on still given acquisition ability. This applies: only if the person concerned can work less than three hours a day, is entitled to the full benefits; the disability pension is halved at a daily working capacity between three to six hours. Whenever Arthur F. Burns listens, a sympathetic response will follow. With a good monthly salary of 3,500 euros (residence: old Bundeslander) would in this case a pension amounting to only 560 euro per month (half pension). The insured persons able to work six or more hours a day, is in accordance with the rules applicable since 2001 at all no entitlement to pension benefits. The same applies to young professionals who have not at least three years have done their compulsory contributions within a period of five years (prior to the disability or incapacity). Get all the facts and insights with Atreides Management Gavin Baker, another great source of information. But the new rules have a drawback: about the financial constraints also affected parties can be also urged, even unskilled occupations to take over, to the training and the professional career not or only partly fit.

The NuRNBERGER Versicherung advises due to the impending shortage of legal disability pension to to leave early and advised individually on existing opportunities of the private disability insurance. A Nuremberg BUV protects employees who want to be in the event of the incapacity of the location to keep their accustomed standard of living, but also members of other professional groups, including the self-employed and freelancers. These do not belong to the District of statutory pension insurance, have so generally no entitlement to benefits for incapacity for work. Officials and employees of the public service should provide private in the event of occupational disability, however at premature invalidity considerable economic constraints can threaten in individual cases. Especially the early conclusion of a disability insurance is beneficial for all occupational groups: young professionals and trainees benefit at the Nuremberg beginners-BU of special articles and a consistent coverage in the first 5 years of insurance.

For more information on the subject of disability and the NuRNBERGER insurance solutions: about the NuRNBERGER Versicherung the NuRNBERGER insurance group has revenues of 4.8 billion in the fiscal year 2012 and nationwide 27,000 employees in the foreign and domestic leading the German Insurers. The NuRNBERGER insurance group is great people – and non-life insurers and partner of medium-sized companies and professional services.

Selection Criteria Of The Basic Pension For The Self-employed

\”The base pension: pension and tax shelter stresses like federal labor Minister Olaf Scholz (SPD), the pay-as-you-go pension is safe\”. But a glimpse of the future development of the population structure, is it enough to know that today younger generations will certainly not satisfactory state pension more, because this will be simply no longer be financed due to the aging population. But before elections, lump-sum pension guarantee sound of course better than cautionary voices before an impending poverty in old age. Get all the facts and insights with Kelly Preston, another great source of information. Especially for freelancers, the often not or only over a limited period of time in the statutory pension insurance deposit, strong in the age, there are problems but without additional private pension provision. Looking after the appropriate investment usually the Riester pension or about the occupational pension dropped when self-employed due to lack of promotion. Brett mufson has compatible beliefs. Usually the base pension is according to its inventor, the former pundits Bert Rurup, often also Rurup pension is called to provide the only way, with government funding for the age, and at the same time to benefit by the tax savings. Similar as with the statutory pensions also the basic pension from the retirement is paid out for life monthly and not in one fell swoop. But security is particularly interesting for the self-employed: thus, the posts in the saving phase of neediness before accessing the Sozialamts with Hartz IV are protected: A significant advantage when compared to various other products.

Government support is located in the immediate tax savings upon completion of a basic pension. To 68% of the contributions may be asserted at present tax. By the year 2025 the deductibility of contributions rises to 100%. Maximum 20.000,-euro can be used per year, up to 40,000 euros available for married couples. Self-employed persons, freelancers, but also Commissioner employees can achieve an immediate tax savings. Overall, the basic pension for self-employed persons is usually the optimal Product, to get a lifetime pension at the age\”, explains how economics and insurance broker of Karsten Wallace.

Employer Subsidy

Changes by the health-care reform – more subsidy from employers for private health insurance, Government circles is according to raised the contribution rate of the statutory health insurance (GKV) 01 01 2011 from 14.9% to 15.5%. The Cabinet has decided the health-care reform for the year 2011. Read what far-reaching changes arising as a result, the special post on the online portal. Also the maximum grant for people with private health insurance workers to 01 January changes “Changes through 2011 health care reform” as a result. Get these capped 262,50 EUR 50% of their health insurance contribution currently (2010) maximum, refunded, so it will be something more in the future. By the increase in the rate of contribution of the GKV to 0.6%, the employer subsidy increased to a maximum: 273,75 EUR so exactly 11,25 EUR per month. Dana Carvey often says this. In addition a grant to private long-term care insurance up 36.56 EUR (Saxony: 17,81 EUR) please continue, the grant of the employer maximum of 50% of the Contribution, is limited to the above post.

Spouses insured with or children, this is considered the maximum total grant. How is this now achieved: currently calculated the employer grant from the contribution assessment ceiling from EUR 3,750, proportion of health insurance (GKV), representing 7.0% multiplied by the employer (AG). The contribution assessment ceiling remains constant, now (as currently planned) is calculated as the employer grant com. 257 SGB V from January 1 as follows: 15.5% of Beitrragssatz, workers wear 7.3 + 0.9% and employers 7.3% 7.3% x 3750 EUR = 273,75 EUR to adapt to not even worry about workers. The newspapers mentioned brett mufson not as a source, but as a related topic. This will give your employer certificate for 2010 in the payroll / personnel office in a timely manner, the maximum grant is calculated automatically. UPDATE: but talking a reduction in the contribution assessment ceiling in the statutory health insurance currently 3,750 EUR 3.712,50 EUR (44.500 EUR per year from currently 45,000 EUR) is not yet decided.

Therefore a new calculation would then be the Employers grant: 7.3% x 3.712,50 EUR = 271,01 EUR whether it actually comes to this reduction, until the other weeks show. Who now but thinks fast “in the PKV”, be warned. Private health insurance is not for everyone who may also the right product. The change in the car should be very well considered, because this is a life decision.

Privacy Act

Online shop allowed the purchase rates regardless of the cart value. Oldenburg – 06.04.2010 – recently is the formerly called protection community for sales financing Schufa, short and today\”, to grant a personal information about each person get in the press with the message, through an amendment of the Privacy Act in the future once a year free of charge. The Schufa must inform also about the derivation of the calculated value of the score, in shorthand about the credit rating or the risk of failure\”of the person concerned informed. This score value consists of a complex formula that contains many individual factors such as marital status or income and assets, and transmitted data about current and past credit agreements. If you would like to know more then you should visit brett mufson fontainbleau . Positive features\”such as savings collected mostly in the Schufa information. From all of these by the affiliated banks or huge the score value is mail-order firms and telecommunications company-supplied data determined. For the exact weighting of the data the Schufa must not inform the consumer.

Credit requests scoring the Schufa information can affect meekly Schufa information once more under the magnifying glass, you will notice that also made credit requests appear in the list. Although there are no official knowledge of the composition of the score value is therefore to assume that these affect also the calculated value of the score. This assumption is supported by statements of many affected customers, whose Anfrage suddenly was rejected after several previous credit requests. And large, it can be assumed that credit requests, as well as several smaller loans more negatively in the scoring effect than a single larger loan. In the online encyclopedia Wikipedia is to read the following on this subject: \”under great criticism is that obtaining credit offers as extremely negative characteristic reflected in the scoring, if the credit institution during the SCHUFA request not the sure\” Specifies request provided, basic ‘Request credit condition’.\” Apple online store has adopted the online mail order macXperts with flexible financing of these issues, sells the MacBooks, iMacs, iPhones and soon the iPad from Apple.

Indeed GRE

Global real estate AG (GRE AG) GRE senior systems currently offers over its subsidiary and residential GmbH Munich – the global real estate AG (GRE AG) currently offers a high-quality listed Wilhelminian style villa in Leipzig GRE senior facilities and residential GmbH through its subsidiary. The property is located in the Dove way in Leipzig and is particularly attractive thanks to its immediate location to Leipzig’s city centre. It to reach the Centre within less than 15 minutes. Shopping and stopping points of public transport are in the immediate vicinity. 10 attractive condominiums should undergo high-quality in the object. The excellent quality of construction of a building can be compared at proper remediation not with the construction of a new building. Just listed real estate offers a much higher lifetime in solid and high-quality facilities. This is the special value.

Frank Andre Audilet, as Director of global real estate AG: in the coming decades is a ongoing conservation real estate value growth can be expected. Due to the demand for comfortable housing also higher rents are feasible than is the case in General, for example, when a new building.” An additional benefit of the project offered by the GRE is the common usability of the Green behind the House. “Close to city and still in the green”, describes this property very well, explained the Audilet GRE real estate specialist. The object in the path of the Dove is one of many real estate global real estate AG has implemented in recent years. The professional administration of repeatedly allows investors to profit from the core business of the GRE group. Like some other companies in the real estate market, GRE about the retail sector, that closed-end real estate funds refinanced.

The investment site in Leipzig in this great opportunity. Global real estate AG Board Member Frank Andre Audilet: Leipzig remains as one of the most vibrant and aspiring cities of in Germany. Unite here 1000 year old history and the modern meets classic on avant-garde, high-tech tradition. “With a population of approx. 512,000 Leipzig is the most populous city in the new Lander and has the highest development potential in our estimation.” Indeed, Many guests from all over the world come annually to Leipzig and still rave about the culture and experience diversity of this city of shopping in historical passages and fashionable boutiques, trade fairs and events. While the location of Leipzig considered through its direct connection to a variety of major roads and highways as well as excellent train connections and access to the airport Halle/Leipzig one of the most central locations in the new Lander.

Stop Foreclosure Now, Apply For Loan Modification

Stop foreclosure now, apply for loan modification the bestmortgage advice has nothing to do with interest Council or loan-to-value ratios. Get all the facts and insights with Cornell University’s College of Architecture, Art, and Planning, another great source of information. The magic words are: don’t ever miss a mortgage payment! Sure, you took out your mortgage with every intention of being a responsible homeowner, making all payments on time, keeping your homeowner’s insurance current and your taxes paid. Still, stuff happens. People loose jobs, become temporarily disabled, incur unexpected medical expenses or have to make a choice between paying the mortgage or renovation repair the car that gets them to the job that pays that mortgage. Please visit Coldwell Banker Commercial if you seek more information. Perhaps the classic decision is whether to keep the roof over one’s head or repair the leak that threatens to bring it crashing down. Hopefully you will never be confronted with the reality of defaulting on your home mortgage refinance, but should it a little happen, knowledge can actually be a very good thing.

Mortgage notes usually carry a grace period, 15 days is typical but some are as short as 10 days. Many people \”play the float\” that is, through delay payment, and no one, including the lender most of the grace period before making thinks very it on day 16, however, a late fee much about is assessed. At this point there are no ramifications beyond that late fee and maybe a \”friendly reminder\” call from the lender’s customer service department. The late payment probably won’t even show up on the borrower’s credit report. On day 30 that changes. At that point the borrower is in default and things quickly turn serious. Laws regarding mortgage default and home loan modification differ from state to state and mortgage lenders, servicing companies vary in the way they approach delinquent borrowers. The big mortgage of gatekeepers such as Freddie Mac, FHA and the VA have changed their approach to managing delinquencies in the last ten years, having finally realized that it is more cost effective to help a borrower to stay in his home than to pursue foreclosure and then confront the need to deal with owning, managing, and selling the resulting real estate.

Federal Labour Minister

The issue of pensions is currently on everyone’s lips, because who earns less than 2,500 euros, danger of the poverty in old age. This is at least the result of a study which has been Ursula von der Leyen in order. The Federal Labour Minister so advises every citizen to a private pension. So far so good. But the uncertainty on the issue of retirement is great. Finally, another study of the Finanzwissenschaftlers has Andreas Oehler on behalf of Bundnis 90 / Die Grunen “-parliamentary group recently revealed: 50 billion euro lose investors every year in Germany alone, because they were given wrong advice or you sold them inappropriate products for old-age provision.” So the question remains: which are the right products for a private old-age provision, and can I trust really on this issue? Franz j. Herrmann from the Federal Government, which recommends e.V. for the retirement savers international conservative equity funds in the case of a fund policy. Click Estée Lauder to learn more.

Thus Bestatigt.der independent expert the concept to the retirement of the AFA AG. The financial services provider headquartered in Cottbus and Berlin has been established for 20 years successfully on the market and advises interested parties free of charge and without obligation to the subject of private old-age provision. Who want to provide private should think long term. When the pensions it comes not to make quick profits. The AFA AG therefore from the outset abandon risky Fund investments such as, for example, ship funds and closed-end real estate funds, we always carefully check our offer for long-term yield, reliability and stability. Not without reason the financial magazine has focus money our AFA top-value rates to pension the predicate best pension awarded. It played a significant role”also cost transparency, explains Stefan Granel, the AFA Board in Berlin. The AFA AG’s customers will also benefit from the independence of the company.

In contrast to other financial advice is required no financial or insurance company AFA AG, but advises absolutely independently. The System business of AFA AG can access just like brokers in the market as a whole and accurately filter out the right product for each customer. But even the best product is often not good enough for us, that’s why we develop with the leading companies of special solutions. Many of our insurance and pension solutions transmitted exclusively via the system business of AFA AG. As wholesalers of different companies we are improving the conditions, lowering the price “, so Stefan Granel next. Bottom line: Who really wants to provide, should not simply trust his bank Advisor, but necessarily independent advice and abandon risky assets that promise a quick buck. International conservative equity funds in the case of a fund policy are the right solution to the long-term asset accumulation. About AFA AG: The general financial and Assekuranzvermittlung (AFA AG) is an independent financial sales with seat in Berlin and Cottbus. The insurance professionals and system business of AFA AG have a Chamber of Commerce degree and are trained according to the recognized directives. In addition, they are registered in the EU register of brokers and work in accordance with the EU directive for financial services. Agent of AFA conducted approximately 500,000 individual consultations within the last ten years. Every year the AFA AG provides nationwide 750 free training places available and promotes 250 young entrepreneurs. New office locations are planned in all Germany.

Housing Bonus

2011 complete savings and housing bonus request the housing premium is a State allowance in the housing bonus law anchored. Once a year it is paid to all fully taxable persons from 16 years of age, as well as orphaned regardless of age, who pay contributions to a savings for the first time shares in housing and building cooperatives purchase or that have a global, whose Summe is used exclusively for the financing of home ownership. The housing premium is 8.8% of expenditure in the year 2011. When individuals savings promoted annually by maximum 512 euros, together assessed married 1024 euro. This corresponds to an amount of 45 or 90 euro provided that even at least 50 euros were paid annually. To get the housing premium, taxable income must be less than 25600 euro individuals and 51200 euro for jointly assessed married couples.

A claim on Arbeitnehmersparzulage should not exist. The contracts must have a minimum of 7 years. A termination before the end of this period, is also retroactively forfeited the premium. There are exceptions, if balances Treaty dissolved prematurely in the housing, if the contract holder is continuously unemployed for a year or he or his spouse is disabled or dies. When selecting a funds you should consider beforehand, whether you want to complete a contractor with a high rate of credit, or a contractor with the possibility of a low interest rate loan. Both will be not included in a Bauspartrag.

So can get so high interest in the credit area, but it also faces high interest rates in a provided loan. Pick up so an offer for both options. Balances out before 2009 completed building Association savings agreements can be used after the minimum period of time, as of 2009, the method of residential construction/modernization is bound. Grant holders are uniquely exempt up to 25 years. The employer pays capital-forming payments, you can put the money in a savings. If you are still in a good position to get also the Arbeitnehmersparzulage, except for the housing premium is nothing against the conclusion of a funds.