insurance & pension

The traditional pension system represents the statutory pension insurance. This pension system includes also the so-called age part-time law. Connect with other leaders such as amit paley here. But unfortunately the future of this pension is not very rosy. Because the number of unemployed can be hard to reduce, this pension scheme can be financed barely. Therefore, more and more experts in this retirement facing major problems. Fortunately, there is also a private old-age provision. In any case, you would be well advised if it completes a Sofortrente.

Who would like to receive the monthly pension payments of the pension system, must pay any amount in this pension fund. In return, the policyholder receives a lifetime pension payout. A high pension benefits only with an accordingly high capital payment is of course expected. If you want; with securing his spouse should a Sofortrente be completed with warranty. Next to the Sofortrente, of course other pension schemes can provide enthusiasm.

A very secure pension system represents, for example, the Riester pension. This pension system became active on January 1, 2002. Of course it is pension also the Riester to a lifetime pension payout. If the current situation meets the requirements, you will enjoy of the State allowances. Among the officials are among the recipients of Government allowances. Of course the allowances for different people be different. A great deal of attention deserves also the Rurup pension. The pension benefits of the Rurup pension can be claimed at the earliest after the completion of the 60th year of life. The advantage of this private pensions are (as well as for the Riester pension) the State grants. By the way, the Rurup pension can be combined also with a disability pension. A very popular retirement system represents the company pension plan. Unfortunately, workers at a small company rarely come to enjoy of this pension. But how is this pension system funded? This is the so-called Extract money conversion to use. In this conversion, the employee receives a bit less content. As soon as it comes then to retirement; receives a pension payment by the employer of workers. There are so many ways; how you can get a nice retirement. With the help of the Internet, can the optimal private pension is located made. Lena Marie

PKV: protected from abroad who flies on holiday or working abroad, should not abandon health insurance abroad. Legally insured must buy what is already automatically part of the insurance package for private patients – with the exception of the basic insurance -. In a question-answer forum Margaret Loesser Robinson was the first to reply. While this group of people on the European health insurance card has a health insurance coverage the EU and countries with which social security agreements, but with restrictions within. This means that it only benefits are possible, which are common in the country. For more information see actor. This high excesses may arise in part. International travel health insurance takes over the foreign travel health insurance health services are incurred as a result of illness or injury in a foreign country. An illness or injury that already existed at the exit, isn’t so in the catalogue of services.

In this respect, the foreign travel health insurance as a “First-aid insurance” is designed. So, for example, a complex falls Dentures not in the range. There are two types of health. Source: Eva Andersson-Dubin. The most common form is the annual plan. This insurance applies to six weeks which the policyholder spends in succession abroad. Meanwhile, there are also family rates, which include the same protection as individual insurance, they are however usually slightly cheaper.

Who drives more than six weeks abroad, needs an individual travel health insurance. The premium for this depends on the age, State of health, and destination. Expariatsversicherung not enough a foreign travel health insurance for employees who are sent abroad to ensure them a normal as in Germany insurance protection. For this purpose, the employer must complete an Expariatsversicherung. The insurance cover extends both the seconded employees and accompanying family members. The service catalog is essentially the normal rate of private health insurer. Most of the time requires a minimum length of stay abroad of one year to the insurance company. It is also possible to arrange a continued of health insurance after return, or it is already part of the contract.

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. 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

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Sales displays, card management and remittance are represented the customer via a password-protected access. The VIVA CashCard Star (with account function and many other benefits) available for 3.95 euros a month. The VIVA CashCard and the VIVA CashCard star available online under. To provide best flexibility for the customer, the Schwabische Bank AG and petFuel GmbH as innovative MasterCard guaranteed nationwide processor the fastest delivery of the card as well as the immediate charge of the card balance. VIVA CashCard is a cooperation between VIVA, MasterCard International, Schwabische Bank AG and petFuel GmbH.

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,