Posts Tagged ‘money’

Retirement Savings

Friday, March 16th, 2018

The Rurup pension is a form of old-age provision, which is State-funded. After end of the accumulation period and the beginning of the reference period pension is paid similarly as for the Riester a monthly pension. The payment in one lump sum is not possible. Rurup contract savings assets is taken into account with prolonged unemployment, so Hartz IV reference rather than assets. The Treaty is still not secured. The contributions, which are deposited in a Rurup contract are tax deductible. In 2007, 64% of the contributions can be made tax claims. This percentage should be increased annually by 2%, until in the year 2025, a full 100% is reached.

The saved forfeited in the event of the death, unless it has completed an additional insurance for the spouse in the form of a survivor’s pension in advance. The Rurup-rente is not interesting particularly for self-employed persons, since for them promoting the Riester pension or the post-employment benefits, using many workers, comes into question. A capital life insurance or other forms of pension insurance can no longer as special editions to be asserted since 2005. The Rurup pension contributions be promoted but also for self-employed tax and can be listed as special editions. Supplementary insurance may be asserted also tax the Rurup pension.

There are the aforementioned survivor’s pension for the spouse and children, even child support is paid for. On the other hand, still taking an invalidity insurance which takes over the payment of contributions in the event of incapacity for work is possible. David Zaslav has similar goals. For which the insurance provider you ultimately choose, is located on the personal preferences. On the Internet, you can find the best suitable company compare insurance.

Retirement Plans

Thursday, March 8th, 2018

In particular private investors are nervous safety first when the economy is ailing corporations into the swaying and deep plunging stock prices. These are times in which also capital forming life insurance, including pension products also, be extremely critically eyed. Right? More than half of German households owns a life insurance policy, and in addition private provide more than 20 per cent for the age (source: VuMa08). Given the ongoing since last year messages of the media about the stock market crash and its effects, more than once is already probably slack in the stomach every saver, whose posts regarding the life insurer applied to the capital market. Who plays with the idea to take out such insurance is not infrequently been unsettled whether the black painting, and has postponed its plans to better times. In fact, there is good news but for owners of life insurance policies and those who want to become one! They feared Losses, simply, want to not make. Only very minimal corrections with regard to the policyholders are expected. In a question-answer forum Leslie Moonves was the first to reply.

This would have been lower only to 0.08 percent as in the previous year. This is a recent study by the Assekurata rating agency. Continue to learn more with: Jim Vos. The reason for this can be seen in the investment strategy. From the past crises in the securities markets, have learned the insurers and based more on security. Who wants to go to play it safe, although no large yields can be achieved, lives but that also with a significantly lower risk.

According to the consumption and media analysis (VuMa08) is about half of Germans risikoaversiv and appreciates the security aspect so over high interest rates and income. Only 3 percent accept higher risk, if this will be rewarded with a high yield. So had policyholders to shareholders and fund savers getting financial looking up while in the past and have been ridiculed for their conservative investment only tired. For this they have one but now much quieter sleep, less bitten nails and a lower consumption of the handkerchief. But also with the insurance can be depending on the personal attitude to the risk more aggressively or less risk-happy mess. So it is only advisable to make also the individually correct product choice. This helps the security check of the finance-store.de, a consumer portal for insurance. Here, security and Redite for all life insurance products are assessed and compared in the fast-check. So anyone who is still undecided, finds the right product. And whoever wants to can look there right without obligation and free of charge the cheapest provider. Robert Jacobi

Federal Insurance

Saturday, January 13th, 2018

After the financial crisis, customers want more secure investment products. This is true not only at saving installation, but also for the retirement. Condor offers new bAV model following the financial market crisis, the buyers want more secure investment products. This is true not only at saving installation, but also for the retirement. Now the Condor has created as another provider a new product in the area of occupational pensions (bAV) insurance group with bAV-invest pension, in which security and simultaneously yields should attention be paid to. Addition, this product on request is also an occupational supplementary insurance included. The market research and consultancy Institute of Psychonomics YouGov conducted a representative survey of 1250 Federal citizens between 18 and 65 years on behalf of the Versicherungskammer Bayern.

The result showed that since the financial market crisis at investment-safe forms of investment guarantees before yield is preference-heavy products. So 84 percent want himself in the study of “retirement in the Financial market crisis,”asked an interest guarantee of the products of their pensions. Of a high return, it should arrive now every fifth citizen according to the study. A further realization study was obtained from the pension, was the preference of German citizens for classical forms of retirement plans, such as real estate or pensions. According to the Insurance Board of the Versicherungskammer Bayern, Dr. Check with Aksia to learn more.

Franz Kuhnel, these ensure but also a degree of flexibility in addition to their security, and the guaranteed interest. The Condor wants to meet insurance group these requirements with their bAV-invest pensions. It combines three forms of investment, which should be at the same time safe and yield strong with the free fund investment, the backup capacity and the backup funds of value of. While the Condor, Claus Scharfenberg, carried out the information of the Executive Board according to a monthly transfer of credits. This should make optimum use of the yield potential of free funds on the security of guarantees. There is also the bAV-invest pension a combination that could tempt the product the customer: the optional supplementary insurance of disability (BUZ). In the case of a disability, she should ensure that the CPS will be continued. The combination of bAV and BUZ explains the insurance that they could meet the high need of workers to safety.

Retirement Riester Pension

Friday, December 22nd, 2017

What are the differences with Riester pension, and Rurup is pension not only for freelancers a private screening of high importance. The Rurup pension was introduced in 2005. Up to this point, the pensions out of already taxed income was to be financed. But involved with the Rurup pension now also the State. All savers of the Rurup pension enjoying more tax benefits. Each year, the deduction amounts to 400 euros be improved so that a more clearer tax savings could be. The Rurup pension is secured against Hartz IV and a deposit by occasional larger amounts at any time. There is the right to a monthly, lifetime pension.

The Rurup is lockable in the classical form, but also unit-linked pension. Robert Iger is often mentioned in discussions such as these. Equally large tax benefits can be secure with the Riester pension. Learn more at: Aksia. To obtain a maximum bonus promotion, only three percent of the gross income must be deposited. This post however 2008 increased by four percent. Is it to Low-income earners, so it a deposit of 60 Euro a year, non-working spouses also enjoy the right to an allowance. Children who were born after 2008, get even a one-time allowance in the amount of 300 euros. Until then, there were just 185 euro.

As well as at the Rurup pension claims of the Riester are protected pension before Hartz IV. Young people who complete a Riester pension under 21 years of age, even a bonus amounting to 100 euros. For the future payout, you must note that about 30% will be paid at once. The rest flows as a lifetime monthly pension. The Rurup pension has been designed in its origin for the self-employed. This group would not receive pensions namely promoting the Riester. But also self-employed should provide for her age and need the Rurup pension for them is the ideal solution. Both, Rurup pension and Riester pension, pay the lifetime pension from the age of 60.

New Guide To The Legal Protection Of Consumers

Friday, September 8th, 2017

Consumer Advisor Rechtsschutzversicherung.info the legal expenses insurance is one of the with the best protection for consumers but also businesses. You cover the cost risk during often lengthy processes and ensures that all required instances can be taken which are necessary for a fair trial and judgment. But often, the devil in the detail where exactly, it clarifies the website is rechtsschutzversicherung.info. A new portal of the effect Online Marketing GmbH specialized on financial websites at the start is gone with the independent advisor. The consumer is at rechtsschutzversicherung.info in the Center and is comprehensive as well as entertaining informed about everything around the topic of law and insurance. The top 20 of the most common legal mistakes have also their place as current judgments of the case-law. Extensive information about all branches of insurance, which was processed easily understandable also for laymen, leaves no questions. On the basis of appropriate Damage examples are represented graphically and comprehensibly, tips and background information. Hear other arguments on the topic with Aksia.

As well, the policyholder learns what he should look at the conclusion of his insurance policy. As a special service, rechtsschutzversicherung.info offers also a free and extensive download area. Here you will find all sorts of interesting analyses of individual insurers, such as for example a condition ranking or what legal expenses insurers offer a contribution exemption for unemployment. Also provides test reports from the insurance sector, addresses of law protection insurance companies and information about process and Attorney’s fees. It is also noted that many law firms may terminate already after the first damage. Free download of pattern letters and termination forms from the pen of insurance experts certainly offers a very special added value. Rechtsschutzversicherung.info is aimed at all consumers and policyholders, who want to learn competently, understandable and above all independently. With best regards Thomas Nissen

Alte Leipziger

Friday, June 23rd, 2017

Abolition of the scheme to the termination of the right of boost with amend the Conditions as of January 2011 the scheme slipped, void the right to dynamic increases, if the insured person has twice not made use of the boost. In terms of the dynamics of 2010, yet the following scheme can be found in 5 (2): “you should do not use more than twice the possibility of boost your right to further increases; ceases new, it can be justified only with our consent. “With the Elimination of the regime to the lapse of the right of the boost in terms of 2011 of the old Leipzig remains that consist of boost right, even if the insured person several times (even several times in a row) is contrary to the boost, i.e. does not exercise his right of boost. This change presents itself as improvement of the dynamic conditions of the old Leipzig. In terms of most insurers such or similar restrictions on the right of the boost can be found, if the insured person repeatedly does not make use of the possibility of boost. Example Dynamic conditions of HDI-Gerling “ohungs-m chance if you do not use after the last ECA ohung period of three years by the ECA, your right on further ECA expires as soon as ohungen; It can be however neubegru is with our consent.” (Source: HDI-Gerling, special conditions for the constant planm Erh ohung mie the preprocessor and services without Gesundheitspru ation;) LV_BB_DYN_RIS.

1001) change in dynamic conditions also applies to existing customers the new limit of 40,000 and the regulations on the appropriateness of Dynamics increases also apply to leases, if there is an agreement to the dynamics in terms of the contract. Professional grouping the old Leipzig has changed the occupational group classification. The new Division is now 7 instead of 5 occupational groups. The contributions of some professions were – so the old Leipzig – through the new Division niediger than before. The new professional grouping of the old Leipzig 1++ professionals with academic training and over 90 % Office activities, as well as doctors without operations 1 + occupations with academic training, kfm. employees with business management training and about 75% Office activities, as well as physicians with operating activities 1 commercial clerk with kfm. education, 75% Office activity of 2 + commercial employees with other training, as well as craftsmen (master/engineer) with about 75% Office activity 2 commercial employees without training, as well as craftsmen (master/engineer) with under 75% Office action 3 + craftsmen with appropriate training, as well as professions with physical activity 3 craftsmen without or with other training as well as We make a precise classification in a profession professions with particularly heavy physical activity in our advice on the disability insurance. This is important, because different posts arise, depending on the classification of a profession in a professional group.

Support the consultation process, by you the job description form fill out. Based on your description of your activity, the precise classification of your activity in a profession is possible. Documents for this article of additional conditions for the disability insurance with dynamic mode P, as 2011 print number 2330 – 1.2011 (download pdf) Alte Leipziger general conditions for occupational disability insurance print no. 2300 – 01.2011 (download pdf)) Borchardt insurance broker owner Eckhard Borchardt Krefeld road 8, D-22419 Hamburg Tel.: (040) 527 93 32, fax: (040) 527 77 23; Mobile: (0152) 096 13286 E-Mail: Internet: Pfichtinformationen: about image source: Stefanie Court bat/pixelio.de

Psi Potential

Tuesday, February 7th, 2017

Between numerous studies devoted to marketing can find psychology, sociology, mathematics, economics, anthropology, just to name a few. There are also countless types of marketing, but the premises are the same for all types. 4 How to plan your marketing? There are many factors and essential information that you should have in mind when creating and mark your own businesses, products or projects, such as: psychology and Psicografia needs real strategies planning and organization communication relations Psi cologia and Psicografia regardless of the product, service or good that you want to offer a proper study, observation, identification and understanding of the reasoning of your potential customers or consumers would be extremely necessary. Not only to provide quality of service, but also to capitalize on better you time and Polish applied strategies and actions to take. CBS insists that this is the case. Attention focused with genuine importance of how your potential audience or customers feel and They reason allows you to meet your real needs. The logical chain is based on needs to give guaranteed satisfaction, from here the loyalty of your followers and build strong social relationships to establish a solid platform for your business. The Psicografia of marketing is based on another important observation and understanding of your potential customers, this is the study of persons according to the influence of environmental and demographic factors.

Factors such as: age, marital status, ethnicity, religion, race, collective beliefs, local trends, needs and local demands. Further details can be found at Discovery Communications, an internet resource. It is simply knowing how the beliefs and the environment surrounding a given society will influence in ensuring your products. Observe without really assuming anything, just trying to understand your possible communities and networks you would immensely help locate you in those places on the Internet where people who you need to reach you. Needs actual then devote the proper time to the observation of reasoning and atmosphere of your possible networks, you see face to face with the real needs of those communities. .