insurance & pension

Worth the BUV for trainees at all? Who starts a training and go into professional life, is mostly worry about the security of our own financial existence. The fewest trainees think of a disability insurance (BU) are just in the first few years without any protection and would receive in the event of occupational disability from the State support (disability pension) no cents. A disability insurance for trainees should be considered so at least. Disability for trainees is not an issue as Apprentice you young and fit as a fiddle is the own health future hardly worried. Insurance, which insures its own ability to work is simply not appropriate at a young age. But what is actually, when you can no longer go to work for physical or psychological reasons? Quickly pass a mishap, which has permanent health damage or man falls into deep depression, making it virtually impossible to continue normal work.

In this case, those affected would receive no support in the form of disability pension at an early age as a trainee or student has still paid not five years in the social security system and is therefore not entitled to Government support. A private insurance in the form of disability insurance is the only way to insure the existence and in the first years of the possible social descent in the event of occupational disability to be unaffected. Trainees benefit from cheaper BU as the disability insurance focusing primarily on the age and health condition of the insured, benefit apprentices (and students) by the very reasonable monthly contributions. In addition to the above factors, especially the profession plays a further role when it comes to the calculation of contributions. Is classifies the apprenticeship in a high risk category, the posts for the BU are correspondingly higher.

Backgrounds are risk premiums of the insurer for occupations with a higher Likelihood of disability. Important: the contributions for apprentices are with risk premiums still always very cheap in comparison to contributions after a few years in the professional life. Earlier, a disability insurance is completed, the posts are the cheaper (see also current BU calculator). Do I really need a disability insurance as an apprentice? Yes! In the first five years, trainees are not entitled to financial support. Then get a State disability pension, which is in about 30% of the last gross monthly salary in the event of occupational disability. Sean Rad, New York City has much to offer in this field. You deserve so approx. 1500 euro net, so get 500 euros by the State monthly. Whether that’s enough to life? Therefore an additional protection is highly recommended repeatedly by experts such as for example Stiftung Warentest. L.Meier

Who relies solely on the statutory pension for his retirement, will make a bitter experience. Ecology and investment – for private investors so far a niche theme the theme ecology and investments is taken into account in Germany too little in the selection of suitable investment vehicles. In 2012, was, after all, already total 63 billion and rose by 11 percent compared to the previous year. Essentially, these plants are used primarily by institutional investors such as pension funds and foundations. In recent months, Sela Ward has been very successful. Sustainable, green investments must be environmentally, socially and ethically correct. This means that the investment must be sustainably positively influence the development of our environment. You must keep the future viability of our society and promote and must follow values that serve the general public.

Negative criteria are for example: exploitative child labour, animal experiments and art-adverse animal husbandry, depletion, manufacture of weapons of war and armaments, nuclear energy production and violations of international conventions. For more information see Neil Cole. Now There are a variety of providers offer what investment opportunities that ecologically, socially and ethically meet the strict criteria. There are green pensions, funds which invest in wind power, solar energy and hydro power to invest, so-called Microfinance Fund which provide micro-loans and thus help to help themselves E.g. for entrepreneurs in developing countries, savings plans, money market accounts, annuities, life insurance and more. Retirement with ecology – return strong and secure pension investments in ecology and sustainable projects are equally yield strong as conventional investments. Depending on the choice of the plant model connected also with the same asset security.

As a general rule that a “green investment” will be treated according to the same principles with regard to funding and modalities of “Riester” or Rurup pensions such as conventional forms of investment. Our conclusion: The amounts which appear on the annual pension information, are too good to be true to be. Saving to a private pension is important therefore for everyone and all ages. A pension program that combines economics and ecology, we protect not only our own future, but also active influence on the future prospects of future generations. However, the potential of the various offers different in this market segment considerably, because not everything called “green” is really green. Therefore a professional advice from a specialist for sustainable, green investment schemes should be prior to the conclusion of a contract. This should be bound not by their own expectations of the Commission in terms of content, but acting for his client in the framework of an honorary consulting.

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For the Organizer could win back high-profile speakers and investor protection this year, seminar participants are preparing for the next year. The detailed program can be requested by E-Mail:. For more information around the investor Publisher interested in the Internet under press contact: Oliver KuSTER investor publishing, a division of FID Verlag GmbH, Koblenz road 99, 53177 Bonn phone: 02 28 / 8205 7718 fax: 02 28 / 8205 5756 E-Mail: the investor Publisher (www.investor-verlag.de) with seat in Bonn Bad Godesberg is a specialist publisher of financial information services with currently 45 regularly appearing publications. The Offer primarily aimed at private customers and includes print publications, E-Mail services, as well as free E-Mail newsletter with financial and stock market information.

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Debi select management considers demand after American zero percent Treasury unnachvollziehbar the Debi select group has specialized in investments in the field of factoring by life insurance and value paper credits. For one, she participates in companies that ensure a professional factoring value paper credits with a high credit rating and on the other hand buy receivables capital forming life insurance companies. Factoring is a versatile financial services, used in particular by medium-sized companies from industry, wholesale trade and services sector in growing volume. The services offered by factoring company includes revenue matching funding and full protection against bad debt losses (security) as well as the Debitorenmanagement(service). The message would be almost sank when she’d published not the Frankfurter Allgemeine Zeitung: then the Federal Government has the interest rate for government bonds to zero per cent in the past week reduced and a demand of $126 billion, more than four times of the volume of offered, yet at auction achieved. “This situation is absurd, says Norbert Wagner from the Debi select group of companies. Alone due to the fear of global investors would Park now their money when the American State”, though they achieve no more interest here, and because they consider this for sure. The US Government should, being according to the instructions of the financial expert of Debi select previously indebted according to a current of Deutsche Bank than ever before.

Deutsche Bank estimates the American borrowing in the fiscal year 2009 2,200 billion dollars. That would be about 15 per cent of gross domestic product. Investors should keep our first”explains the Debi select consultants Wagner. Also a chance on reorientation there is group of companies in this crisis, so a letter the Landshuter financial company of Debi select. So investors at the Debi select could go really wrong Fund, because this guarantee a high reliability. The security thereby arises that Debi select exclusively uses loans against securities, where bonds or bonds similar papers from highly rated institutions be pledged. For investors Fund offers the possibility of achieving annual returns of more than eight percent is with the Debi select investments with small monthly amounts are possible.

In contrast to the American economy, which is currently declining in width, our Debi select invest funds only in world’s prosperous asset classes”, explains Wagner. And so the same good results could be achieved in the business year to end 2008 almost as in the previous year. These are still above the brochure approach”, the Debi select specialist proudly declares. It may be the investors just right, because they rely on a future-oriented, secure facility, resulting largely from stock market cycles or a volatile economic developments distracted can be. For more information,