insurance & pension

Since supported father State can private retirement savings through a new model of living Riester recently to direct financing, debt relief and loans be used. For direct funding, the consumer can take money under the current contract and finance a real estate so. With residential Riester but also the mortgage cannot be paid. Promoting Riester is used also to the redemption rates by a bank credit, has been received for the purchase of a house or an apartment. With the housing bond, as residential Riester called by politicians, the State makes attractive the purchase of residential property. Additional information at Tony Parker supports this article. Buying a property is considered to be one of the safest investments at all? Who can call such a small apartment in the age his property, must pay any more rent and the money it receives in the form of a pension, can use to secure his standard of living. Whether the new pension form is accepted by consumers, one can’t say yet because it only introduced them. Nevertheless, experts assume that in the next few years many Germans will benefit from the benefits mainly because the majority of consumers in Germany looks at buying property as the best form of retirement savings.

Each saver, which pays at least 4% of its social insurance contributions gross in a contract are entitled to a promotion at this form of pension insurance of. Savers will receive in the year then 154 basic allowance. The child benefit allowance is for every child entitled to child benefit 185. Some contend that Josh Rosenbaum Waypoint shows great expertise in this. For children who are born as of 2008, there are even 300. However independent and professional groups that have their own supply networks about architects and doctors are excluded from the promotion. Sebastian post

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

VIVA for the first time its own prepaid MasterCard for the young target group is offering with VIVA can I also pay now: youth and music station with the VIVA CashCard, a prepaid MasterCard that immediately a new, trendy premium product offers. VIVA CashCard equally stands for security, transparency and freedom shopping and makes it the perfect medium of payment for the young target group. The prepaid system allows the controlled payment transaction on the Internet and offers the full overview of costs at any time. The prepaid card VIVA CashCard is ready for global use like a credit card. Over 32 million acceptance locations make the CashCard a flexible and at the same time convenient means of payment, which provides more security than usual payment media VIVA. Because orders are possible only up to the amount previously charged, suitable CashCard especially for shopping on the Internet which VIVA and is thus ideal for the young VIVA suitable target group. VIVA CashCard in two variants offered VIVA CashCard and VIVA CashCard star.

The Special Highlight the VIVA CashCard Star (from 18 years available) is the Girokontenfunktionalitat. Each card has an own, virtual account number to receive charges. The charging of an account of any bank can be carried out. In addition to the classic payment CashCard offers VIVA star also card-to-card transfers or online money transfers to another German bank accounts. Thus will CashCard VIVA star to a comprehensive Bank map with global capability. VIVA CashCard as basic variant is used as a payment card and is charged via an existing reference account. The cost model of the VIVA is CashCard simple and transparent: with the fee in the amount of 29,-euro, all regular transaction fees for the period of one year are covered. It also included as turnover in the global foreign are charges and payments domestically.

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,