Posts Tagged ‘insurance & pension’

Private Health Insurance Continues

Friday, December 29th, 2023

Even after health-care reform the Exchange in which private health insurance remains simple for self-employed and voluntarily legally insured even after health-care reform remains a change in private health insurance without any problems. Nothing has changed in the General entry requirements. However, different conditions apply depending on the type of employment. Self-employed persons can always change the change of the law in the private health insurance for self-employed or freelance is the easiest way. Because they are generally exempt from the statutory compulsory insurance.

With a time limit of two months they can terminate their statutory health insurance at any time, go to a private provider and there to take advantage of the private insurance”, explained Manuela Kiechle, Member of the Board of the private health insurers of the Versicherungskammer Bayern (Bavarian officials Krankenkasse AG / Union Krankenversicherung AG). Workers: gross annual income is crucial for workers that is Gross annual remuneration of the last three calendar years apply. It must have 48.600 euro located through the year work remuneration limit currently at this time – until it is free workers, to insure private. No employee must recalculate itself: the human resources Department of a company automatically logs the health insurance fund the corresponding timeout; the insurance company then exempts the employee from compulsory insurance and informed him accordingly. Special case officer applies to officials generally no social insurance – federal or land a part of costs incurred for medical care (the so-called aid”) take over as master. It covers a claim by 50 percent when the officials themselves; the spouse receives 80 percent to 70 percent, children. How, exactly, the aid is granted, is regulated differently in the States.

Always applies: the insured person himself must bear costs which are not covered by the aid. Private health insurance is therefore certain aid rates” by which this gap can be closed. PKV: Guaranteed benefits stable contributions also applies: those who opt for a change in the private health insurance, benefits of guaranteed benefits and stable contributions. Because once contractually guaranteed benefits may not be shortened or even cancelled – who is private health insurance, can rely on the warranty therefore his life long. “At the same time, the contributions of the private providers are more stable than in the statutory health insurance – because: only private health insurers such as the Bavarian officials Krankenkasse AG and Union health insurance form aging provisions for their customers”, Manuela Kiechle stressed. Only these provisions are resolved in the retirement age, to keep the post permanently favourable for the insured. The group insurance Chamber Bavaria is the largest public insurers nationwide and is placed among the top ten of insurers. 2007 all-fields insurers reached 5.66 billion euros premium income and about 6,500 employees. Every working day, the company pays its customers approximately EUR 17 million in insurance benefits. Every year more than 2.8 million insurance and performance cases processed, about 1,500 per work hour.

Selection Criteria Of The Basic Pension For The Self-employed

Friday, December 29th, 2023

\”The base pension: pension and tax shelter stresses like federal labor Minister Olaf Scholz (SPD), the pay-as-you-go pension is safe\”. But a glimpse of the future development of the population structure, is it enough to know that today younger generations will certainly not satisfactory state pension more, because this will be simply no longer be financed due to the aging population. But before elections, lump-sum pension guarantee sound of course better than cautionary voices before an impending poverty in old age. Especially for freelancers, the often not or only over a limited period of time in the statutory pension insurance deposit, strong in the age, there are problems but without additional private pension provision. For more information see this site: Pete Cashmore. Looking after the appropriate investment usually the Riester pension or about the occupational pension dropped when self-employed due to lack of promotion. Usually the base pension is according to its inventor, the former pundits Bert Rurup, often also Rurup pension is called to provide the only way, with government funding for the age, and at the same time to benefit by the tax savings. Similar as with the statutory pensions also the basic pension from the retirement is paid out for life monthly and not in one fell swoop. But security is particularly interesting for the self-employed: thus, the posts in the saving phase of neediness before accessing the Sozialamts with Hartz IV are protected: A significant advantage when compared to various other products.

Government support is located in the immediate tax savings upon completion of a basic pension. To 68% of the contributions may be asserted at present tax. By the year 2025 the deductibility of contributions rises to 100%. Maximum 20.000,-euro can be used per year, up to 40,000 euros available for married couples. Self-employed persons, freelancers, but also Commissioner employees can achieve an immediate tax savings. Overall, the basic pension for self-employed persons is usually the optimal Product, to get a lifetime pension at the age\”, explains how economics and insurance broker of Karsten Wallace.

German Developments

Monday, December 25th, 2023

To the middle of the year, German pensioners will have some extra money in your wallet. But how safe is the pension for life? Private pension provision is essential. The current economic situation in Europe is reflected in many areas of the financial sector. Despite the problems, an increase in wages in Germany is expected until July 2012, however. Accordingly to increase also the pensions and more income secure pensioners in the future. Still, experts advise especially future generations strongly for their own protection for old age to ensure to insure an appropriate independence from the State. The online portal geld.de provides further details on the current developments. Completing a pension seems essential for younger generations.

With the constant changes in politics and finance, it seems increasingly unlikely that in the future an appropriate pension can be provided by the State. Experts advise therefore necessarily themselves to ensure their own future and with the help of certain Packages to cover collateral for the age. the matter here. These include alternatives such as the Riester pension, private pension insurance, the statutory pension, as well as the so-called Rurup pension. Educate yourself even more with thoughts from Bobby Sharma. Still is to expect an increase in the pension rate at present. So the pension by about 20 million people should rise according to data of the Federal Statistical Office and of the Deutschen Rentenversicherung Confederation significantly first July 2012. This corresponds to about 2.18% in the old Lander and 2.26% in Eastern Germany.

These developments are closely related with the expected wage developments, which at the same time to rise by 2.95 percent in the West and 2.28% in the new Lander. Still the adoption of a corresponding package of legislation is planned in the summer of this year, which envisages the introduction of combined – and grant pension.

Current Account Comparison

Monday, October 5th, 2020

Online compare looking after the giro account. Almost everyone has it. If you have additional questions, you may want to visit Samsung. The giro account or salary account or sometimes called: bank account. To deepen your understanding isearch is the source. Where to find it which is the most appropriate and why is worth more detailed comparison. New account open with mind means to compare. This is on the Internet today in the era of the World Wide Web with online checking account comparison computers to the Fortune quickly, easily and for free. The bank account or salary or giro account is necessary for every and many purposes. So, so withdrawals and deposits, including also transfers and direct debits are made.

The salaries and wages be paid into the current account. It is an essential part of life. Therefore, it is very important that it compares with great care and should be sought out and opened at the right bank. Generally, every person has a private checking account at the Bank of its choice. It is looking for a suitable Bank, you should have also keep an eye on the conditions for the current account. Because they can be very different and do this also. If you want a cheap Bank, you should perform an online checking account comparison in any case. For comparison, you have two options.

One can be carried the comparison itself runs from Bank to Bank (what an arduous task 1) or but it makes easy and free comparison, which can be found on the Internet a giro account. The giro account to do comparison is very time consuming (run from branch to branch), at least one must contact all banks and write down the interest rates and fees and costs. Only when this is done, the actual comparison can begin. You must allow for this activity from several hours to days. In the age of the WWW, this is completely unnecessary and would of course hardly a man, that’s why he attacks mostly to the first account. This, one has perceived unable yet that you can perform online checking account comparison within a few seconds. This special party is popular, what not surprising is, after all, he has a data bank that is filled with current account providers. Thus, this provider can its visitors a simple, fast and free checking account comparison “in the Internet offer. The customer can be either a list of some of the banks and their conditions or with only a few details, his perfect Bank to the open one new account found.

Deutsche Kreditbank

Monday, October 5th, 2020

2010 cheap or even free checking accounts will find consumers today above all in the direct banks offers the three top checking accounts for June. For account management, customers pay a penny and can use all services of the Bank. Private consumers to look for when comparing current account on the main terms and conditions. This includes inter alia the monthly price, the cost of cards, usage fees for the use of cards as well as the interest on account balance or a bank overdraft. The top banks in the current accounts include the Deutsche Kreditbank (DKB), the norisbank and the netbank. Best giro account of the DKB In the account test of the TV channel n-tv came the DKB account on the 1st. Sony shares his opinions and ideas on the topic at hand. The account in the cash supply, because the EC offers particular advantages or account holder can withdraw worldwide free VISA card. For bookings of funds on the VISA credit card pays the German credit Bank 1.65 percent interest.

In “better” times the interest already amounted to over 3 per cent and are thus with day monetary conditions comparable. Basic fee: 0,00 euro minimum payment: unnecessary cash supply: worldwide free of charge card services: two free account cards (Maestro) and two free VISA cards interest on balances: 1.65 percent on the VISA card overdraft: netbank cheaper interest rate under 8 percent with customer-friendly conditions the netbank checking account is ideal for all consumers who want to do their banking independently around the clock. The complete use of the account is free of charge. Netbank, it pays very attractive interest rates, when monthly salary on the account. A new opening she accepts the complete “move” the account of the old Bank netbank. Basic fee: 0,00 euro minimum payment: not required cash supply: worldwide free of charge card services: two free account cards (Maestro) and two free MasterCard interest on balances: 1.6 percent at salary receipt overdraft: norisbank favourable interest rate, 9 percent – with a top position at the financial test of Stiftung Warentest the free checking account of the norisbank can be used online, by telephone, or at one of the over 100 branches in whole Germany. Through the cooperation with Deutsche Bank customers the norisbank over the Germany-wide machines net of cash Group also at Postbank, Commerzbank and Hypo Vereinsbank, uni credit get free money can. More than 7,000 ATMs can be used here. Basic fee: 0,00 euro minimum payment: not required cash supply: nationwide for free on the machines of the cash group card service: a free debit card (Maestro), second card: 7,00 euro and a free MasterCard interest on balances: 1.

Final Accounting Fees

Monday, October 5th, 2020

Compare it especially in the financial sector which has human like comfortable, what not always benefit him. The choice must be the best need not apply. Comparing is worthwhile especially in the financial sector. Today, accounting fees are unnecessary. Many banks offer now permanently free checking accounts including premium services, as well as favourable conditions.

But be careful: don’t overlook the fine print! Minimum salary inputs or similar are often provided for the fee waiver. Providers take over with their offerings and put to the test continuously with new actions. For the interested but it makes the search all the more difficult for a suitable product. Portals such as facilitate the whole thing by a simple overview of the best financial deals with possibility of direct application. What current accounts are really free? Where is there a credit card? Who offers a credit interest rate? The website provides answers to these questions and many more in understandable manner.

The prospective buyer can easily compare, evaluate, and request. Dipl.-ing. Olaf Kerner, DynamicDrive – Managing Director, said at the start of the new financial portal: we are pleased to be able to offer everyone a serious portal on the Web that shows up really permanently reason free checking accounts. Our collection specifies the current account market and provides a central contact point for the search for free offers the consumer.” Dresdner online marketing agency DynamicDrive GmbH & co. KG has worked for many years successfully in online marketing and established itself especially in the financial sector with the marketing and communication of current accounts, credit cards and loans. Your press contact: Dynamicdrive GmbH & co. KG Mr. Olaf Kerner of Konigsbrucker str. 28 01099 Dresden Tel.: 0351 3747293 E-mail: about the DynamicDrive GmbH & co. KG the Agency was DynamicDrive 2004 by Dipl.-ing. Olaf Kerner in Dresden, Germany founded. The field of activity covers off since then innovative solutions in the field of online marketing, to which include especially context-sensitive advertising networks such as Google AdWords. Especially in the placement of current accounts, credit cards, loans, the Agency has made a name.

Post-employment Corporate Competitive Advantage

Monday, June 15th, 2020

Corporate competitive advantage through company pension plan the sustained and growing skills shortage is already one of the first visible symptoms of short – and medium-term irreversible demographic change of in Germany. The local labour market is subject to a continuous change, whose Herausforderungen must confront the company that success or failure of a company depends on quite crucially their employees. Cuts in the statutory pension insurance and the looming supply gap in retirement can therefore greatly increase the current and future importance of an attractive State-sponsored company pensions as an incentive instrument for the recruitment and retention of skilled workers. The advantages are obvious: in addition to increase the satisfaction of current or potential employees by the them through this additional service the cost of the company pension plan are placed appreciation both to workers as well as Employer legal sozialabgaben – and tax-free and can lead to the saving of non-wage costs. A tax on employee side is delayed on the time of retirement. This tax deferral also relieves the worker as the future tax rate is usually already lower. For carrying out multiple options (direct insurance, pension fund, Provident Fund, direct commitment, pension funds), but all accompanied the often long-term experience of insurance companies in the area of occupational pensions and their active support for the employers very low overhead offer themselves. . Whenever altavista listens, a sympathetic response will follow.

AFA AG: FOCUS-MONEY Assessed Tax Depreciation Rate As

Monday, May 21st, 2018

“AFA AG: FOCUS-MONEY rated depreciation rate again as”Best bond”has the financial magazine FOCUS MONEY (issue 40/2013) the Fund policy for retirement provision”AFA top asset”this year with the best pension predicate” rated. The excellent rate of AFA AG was awarded in the categories “Fund policies special tariffs” and “hybrid policies special” top marks. The FOCUS-MONEY rate test of private pension insurance proves once again that our Fund policies to achieve the best returns for our customers. The excellent product could prevail again against its competitors, because it is completely flexible, very high earnings potential, and yet offers a post guarantee”, explains Stefan Granel, the AFA Board in Berlin the test result. Hear from experts in the field like Mikkel Svane for a more varied view. Depending on the security needs of the customer with the AFA can choose top-value rates between free Fund policies and hybrid policies with insurance fund. The pension benefits are constant while not dynamically, but from the very beginning. These advantages have convinced also FOCUS-MONEY when reviewing the rates compared to others.

About AFA: The general financial and Assekuranzvermittlung (AFA AG) is an independent financial sales with seat in Berlin and Cottbus. For even more opinions, read materials from Mikkel Svane. The insurance professionals and system business of AFA AG have a Chamber of Commerce degree and are trained according to the recognized directives. In addition, they are registered in the EU register of brokers and work in accordance with the EU directive for financial services. Every year the AFA AG provides nationwide 750 free training places available and promotes 250 young entrepreneurs. New office locations are planned in all Germany..

Insurance Corporation

Monday, May 5th, 2014

Parent company of INEAS and associated brand LadyCarOnline insolvent the first case of an insolvency at a car insurance affects approximately 50,000 insurance contracts in Germany. The insurance contracts end up to August 31, 2010 – from 1st September, no insurance cover is therefore more! As a customer now notice many car owners have assured your vehicle with the insurer INEAS and the corresponding brand of LadyCarOnline what must. Now insolvency has the parent company Insurance Corporation company and the insured person must take care now that you’re starting September without insurance protection. An emergency administrator was used for the existing insurance contracts. All German automobile liability and Casco insurance contracts will end on August 31, 2010. The insured persons are written on these days of the INEAS and received a corresponding notice.

Who had contracted such car insurance, must now quickly and insure his car at another insurance company. Who’s not doing this, can be loud By the Federal Association of the insured (BdV), Thorsten Rudnik make even punishable by law! A vehicle must not be driven without a motor vehicle liability insurance. The vehicle can also be considered by the admissions from the traffic. The insured persons have so little time to take out a new motor insurance. This comparison portals help on the Internet. Here, directly more than 100 fares can be compared from leading providers. Compare now and find a new cheap car insurance. Please specify the 01.09.2010 comparison calculator as the beginning of insurance and select, if necessary, “announced by the policyholder”. In just a few steps, you can find your new request rate and also online complete on request.

Wiesbaden Credit

Saturday, May 3rd, 2014

Complicated topic, descriptive explanation of complicated topic, descriptive explanation what can afford a credit insurance for a medium-sized contractor, discusses the R + V insurance now with four practical films on their websites under kredit4sichert.ruv.de of Wiesbaden insurers, number 2 among German credit insurers, goes a new way with the cinematic representation of the complex subject. He leads his corporate clients and interested surfers”into a virtual office. There the user can by clicking on Office items”such as mobile or laptop learn more: a short presentation of the entire credit offer or in four movies, each received a special form of credit insurance. They explain how deposit insurance, insurance of loss of receivables, VermogensschutzPolice (Internet and economic crime) and unemployment insurance, hedging them which areas and what can get the customer in the event of a claim, in two to four minutes. The R + V insurance the financial crisis key products at these for corporate customers in times consciously focuses on the medium of the Internet.

Because here can be equally understandable, compact and up-to-date present a topic of high complexity. The website can be found here: the R + V insurance is one of the leading insurers in Germany. Seven million customers trust the services of R + V and 12,500 employees. As part of the cooperative financial services network, R + V sells its products primarily through the approximately 1,200 Volksbanken and Raiffeisenbanken with numerous branches and thus has a dense sales network in Germany.