Posts Tagged ‘insurance & pension’

Basic Building Block

Friday, May 25th, 2018

The Riester pension is a good way to provide privately for the age. Get more background information with materials from TSI International Group. Berlin, 20.09.2011 – after great difficulties since the proclamation of the State certification and promotion of private pension schemes with the so-called “Riester pension”, this has now mutated into a bestseller. Kaihan Krippendorff is often quoted as being for or against this. This is not without reason as: the certified contracts guarantee the retirement of the paid amounts not only to 100%, but are very financially attractive through government allowances, tax deductibility, and – depending on the type of investment – different yield potential. The prospective buyer should check but carefully before deciding on a specific provider requirements and opportunities, to find the best possible solution inpiduelle. What characterizes the Riester pension? The Riester pension is a pension insurance, which is offered through certified providers in different variants of pension must workers and civil servants or even military service providers end. Basically can also spouse under certain Conditions benefit from the funding and any special deductions. The promotions at a Riester pension amounting to 154 euros annually for savers plus 185 euros allowance for each child (prerequisite: there is a child benefit claim), for children with birth year 2008 or later even 300 euros.

Condition is a whole year deposit (however max 2.100 euros eligible amount) of at least 4% of the gross income of the previous year. Be less amounts paid, only a pro rata funding is provided. Base amounts for unemployed persons or persons on parental leave, among others. The savings assets within the Riester pension contract is secure attachment and is also not on any Hartz IV references count. Since retirement as pension product the pension situation should improve the Riester, the contractor can take the savings amount not damage-free (i.e. not without repayment of funding and might use tax benefits) before the retirement age or the contractually agreed age limit. Basically the payout may be at the earliest with the 60th birthday – and as a lifetime supplementary pension.

Finally I

Tuesday, May 17th, 2016

…und now? What happens after the compulsory membership ends and there is a voluntary membership? As reported in the contribution to health-care reform and the associated changes, employees who were previously insurance insured in the statutory health insurance (GKV) can switch faster in the private Krankenversicherung (PKV) circumstances. The three-year waiting period is eliminated according to the Cabinet decision to 01 01 2011. Therefore it exceed in a year, and is expected for the coming year sufficiently the way in the car to go the year work unloading money limit (in 2010: 49.950 EUR). But how does it work? Your employer reports from the appropriate date (E.g. 1.1) not more than insurance, but as a voluntary member of the statutory health insurance.

Governed by the social security code is V. On your payroll, you now find a “new” position. This is titled “Grant to the voluntary health insurance”. So you get a grant to your immediately because you are no longer resident, Health insurance contribution. You can now change in the car, you get reimbursed a part. How much reading here under the title an employer subsidy. After this message is now completed, you can decide in peace and without stress, whether you want to stay in the statutory health insurance fund, or want to switch to private health insurance. What should I do? If you can already know or predict that in 2010, exceed the amount of EUR gross 49950 and their income does not fall in 2011, becoming a free insurance expected to 01 01 2010.

But caution! What exactly to the income is one you can read here: “What is considered in the year work unloading money border?” And let it be said, now comes to much work on you. To read a lot to obtain, understand, discuss and and and. Don’t be fooled on seemingly enticing promotions, which it turns out mostly as nonsense by Adresshandlern.

Since July

Thursday, May 5th, 2016

DS can not of course, because the claim is wrong, but they prove it once. Now, the account will be terminated! And now? What is with the money from job, or by the Labour Office or maintenance? Nothing is more. And still without reason. It brings up the Impression that it can’t be everything! The State has no possibility of its citizens, which selects the Government, or the part of the Government to protect. Now it is back to the Bank and a new account is open, the horror of which I wrote above, this is now. Forget everything you have heard and read so far. Since July 1, 2010 father State has, after nearly three years, brought planning, a new Act on the protection of the account holder before excessive attachment to the way and implemented.

And now we are back where we have long wanted to be. The whole thing is totally ill-conceived, called the P account, also pledging protection. From the beginning there have been massive problem, because funds mostly from the State or salaries, which are paid and booked at the end of the month, is only used in the Folgemnonat. Thus arises that one is far exceeded at the end of next month, if money is re-deposited, the attachment limit. And they don’t come with the argument, but I have yet… Forget it.

Here is it strictly according to plan. And there are a lot more problems. Just like a P account set up? No, forget this very quickly! Why because simply if it’s too complicated? You have to open a regular account first and then convert it to a P account. But who gives them still an account??? In the Schufa account garnishment, account termination and affidavit is now already written, delivered. Since no bank is worth, of course Mr…. of course they get an account. And the right to an account, what the banks in 1995, have signed in a kind of self commitment, is a right, but no obligation. Forget this once again. Now they need from Bank to Bank. Keep begging and increases at each bank, which denied them an account, her Schufascore of course not in the positive sense! They should have luck to get them maybe somewhere have an account, but until then will the already addressed please to the horror. We have summarised all information on Arza.de for them. What they can do what the Government in this case has planned and how they can defend themselves if nobody helps them, what rights do they have,. But one can say here once again: all talk and no change.