Berlin AFA

AFA AG: Health Minister Daniel Bahr ensures now privately the age before already today, every second pension under Hartz IV level is Health Minister Daniel Bahr exactly how many sets thousand AFA customers now on the private provision of retirement protection and care. “So he expressed the world TALK show Germany acute” last Wednesday highly critical to the State pension plan: I would a private screening much more trust than one State where you never know what happens to the money that politicians manage. ” The experience showed also, so Bahr, that for example, in the Netherlands the nursing care insurance simply be abolished. The AFA AG shares the experiences and concerns of Health Minister Bahr. Consistently, the AFA AG advises its customers since more than 20 years on the basis of a free, independent and individual advice on private savings. I can advise everyone to complete a private old-age provision already in young years. Because the more is started, the the monthly contributions are low. Unit-linked products are my tip to create tangible assets, achieve the best return in the long term and are especially secure against Government access,”says Stefan Granel, the AFA Board in Berlin.

Shortly before the interview with Minister Daniel Bahr, up-to-date figures on the retirement savings out were given by the German pension insurance. After that, already today, half of all pensioners in Germany was getting less than Hartz IV. According to the statistics amounted to 2012 almost every second pension to less than 700 euros. The new retirees that do even for less than 55 percent. The social associations right to sound the alarm and again warn of an impending poverty in old age. The proportion of pensions under 700 euros for old age pensioners in the West with 73 percent is particularly high.

In the autumn of 2012, the federal employment agency counted well 812 000 mini Jobber over 65 years. More than 128 000 of them were older than 74. End of 2003 only 595 433 seniors had a mini job. It is for the President of the social Association VdK, Ulrike Mascher,: If so many “Pensioners exert a job to supplement their retirement income, then this is a clear proof that the old-age poverty continues to grow.” About AFA AG: The general financial and Assekuranzvermittlung (AFA AG) is an independent financial sales with seat in Berlin and Cottbus. 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. Agent of AFA conducted approximately 500,000 individual consultations within the last ten years. 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.

Compare Tariffs Worth

Save money and compare rates but really high inflation and little rising wages are forcing more and more people in Germany to turn every penny twice. Educate yourself with thoughts from Dale Atkins, Ph.D.. The Europe crisis and the crisis that is currently clear and constantly visible, keeps many families, for months, on a short leash. As a result, it is no wonder why bargain portals as well as discounters in the food get sector, an increasing influx. It nobody need worry but seriously about the qualities in the discount stores. In the EU and especially in Germany, the controls are so strict and the requirements are so high that nothing can happen here. Holidays are moved or even deleted because many people simply no longer can afford to go on vacations annually.

Therefore spends this, now very large group of people, its vacation better at home and spends the money for a couple of additional things rather than to place anywhere for one to two weeks in the Sun. There are huge savings at the variable, monthly costs. Energy costs (such as gas and electricity) Internet costs (very variable with many different rates) insurance (car insurance, household insurance, insurance…) Finazierungskosten (Bank loans for construction financing or Uberziehungszinsen) compare rates is worthwhile itself in all cases and so some few hundred euros per month can be saved, which could then be used for clothing, a new washing machine or even a new, large screen TV. “Save money and compare tariffs many know yet the slogan of a large electronics company: stinginess is cool”. This motto, and for some even a philosophy of life, is not necessarily primarily negative. In the past we had to pay less on it, however in times of crisis, it is just the everyday things that we could have actually cheaper. We are, in the past, was usually too lazy, or to express it slightly nicer, have been too comfortable a tariffs to make comparison, this is money saving and compare rates, so easily.

There are some websites that compare saving offer, others offer a comprehensive insurance comparison, however, only a few offer a comprehensive information policy, which simply allow anyone, at any time and without regard to any opening times, from other companies to look at prices and compare very simple rates and save money. It is no shame to save money with compare prices, on the contrary. It is at least once sense, every year, to examine all of its contracts. Of course always the watch main maturities, so you missed no period of notice. A change is usually via the Internet and you don’t have to provider or gas supplier DSL to any branch of his power provider of. Be clever and saves your money, compare your rates.

Average Care

The customer needed a traceable method, to form an opinion. Here are some facts: Average care time 5 years becomes the situation of every fourth services it concerns more than 50der care to 80% of women received pensions after care level 1 or widow’s pensions are modest in the average often women aged living alone / multi-generation houses are the exception in the costing of care risk is to consider a double financial management for the case, that is a partner in the home and the other at home is the Social Services Department for the cost of care in template, are children (even children) play then together asked personal risk care risk assessment to the cashier not only financial support, but social and living economic facts, as well as personal preferences a role. At the same time, it can go to a dignified life design and the preservation of the life’s work. In case of need, children are used to pay the care costs. This risk is underestimated.

Here, demography is very personal. Low risk: item No. revenue are so high that this alone also “Maintenance costs (pensions, rental income, interest income at least 3,000 euros monthly)’s own House is large enough for an Eastern European nurse and disabled family members can realistically permanently maintain high risk: If the above facts are not given General at women in situations of collectives nursing care level O” (when dementia/Alzheimer’s disease occurs in the family) financial burden of the age care earlier women have educated children first and then maintained parents or in-laws. It was that you need less money at the last stage of life and that the family-based care is provided. To a certain extent, this is shouldered even today by the family. But if a partner is already deceased, it is even more difficult.

In addition, the maintenance time due to modern medicine is much longer than in the past. Before the Landgericht, an elderly gentleman had filed a lawsuit: his private long-term care insurance should be for fixed costs and to the maintenance of his wife While he is in the nursing home. The Court rejects. The private care pension together with the statutory care pensions and all old-age pensions were used for the payment of the home stay.

Tariff Insurance

This please keep in mind, that an improvement in performance due to a new risk assessment, and the insurer can also refuse the Exchange. For the Tariffs (BM1 and BM2 in this case) of the insured of the BestMed are still option rights in the tariffs. In the insurance conditions (clamp 50052656 B 194 (10.10) BDK50134) DKV is said to: 2. option right of easier exchange within the BestMed tariff system 2.1 has started the insurance according to a tariff of the BestMed tariff system for an insured person up to age 55 years, you can the insurance for this person once either to January 1 of the fourth insurance year or expected on 1 January of the sixth year of insurance from the first beginning of the insurance in the BestMed tariff system on the following conditions in a more powerful favored Tariff of the BestMed tariff system to a make) of the request for conversion is with one of our request forms a request for conversion to the 6th year of insurance health questions to; It can be made at the earliest two months ago one of the dates referred to in sentence 1, he must however latest one month prior to the selected date of the conversion There are available. We assume the timely application for conversion. (b) in the case of a conversion at the beginning of the fourth insurance year we waive new risk premiums at the beginning of the 6th year of insurance we can if there is an increased risk for the incoming part of insurance coverage (more power) risk (see article 12 par.

3 and 4) demand of maximum 100% contribution share attributable to the increased output. (c) the agreement of performance foreclosure we can do. (d) for ongoing claims is provided from conversion date according to the then applicable tariffs without waiting. (e) the contribution payable by the conversion date to depends on the then attained age of the insured person, taking into account any acquired Anrechnungsbetrage1. Your insurance protection thus started 1 or 2 01 01 2009 in the BestMed, so such switching 01 01 2012 offered. Please note the very short period of time of submission. This conversion without risk premiums can only in the Be November 2011. This won’t.

is the conversion right forfeited. Check therefore very accurately and in a timely manner whether and at what rate you want to change only this is so useful to solve. What is with the legal right to tariff change? It remains fully, regardless of the above options in the BestMed. Read what it means exactly and how it works in my blog post “Change of tariffs pursuant to 204 SG instead of termination in post adjustment in private health insurance”. This law insured persons of BS5 BS9 should pay special attention to tariffs and deal with a possible change of the tariff or the company. Will my fare quickly more expensive when it is closed? Such a statement not to meet is so sweeping and so neither wrong nor right. The calculation of the insurer and the question is crucial how carefully / optimistic was calculated. Through a collective closure must not occur to higher increases. But exactly this for some companies has happened in the past. The Statement “that happened because no new customers added” but also nonsense. Reasons depend and the like reserves here varied and in particular by the development of costs.

One Alternative

A credit from private to private – favorable conditions a possible credit from private to a credit, which is often not taken into account is private. While this is a good way to get a loan, even if not immediately approved the own bank. A credit is required in most cases for the acquisition of larger and thus more expensive goods. See more detailed opinions by reading what Neeman Foundation offers on the topic.. We want to not talk by the very large sums of money like E.g. a real estate purchase, because these are not the rule. A new acquisition is often quite surprising due, which also cannot be pushed up (car, washing machine,…). See Boy Scouts of America for more details and insights. With a regular income and no other current loans, this should have no problems at the Bank.

What is but if loans already exists or the Bank has any other reservations? First of all you should of course aware of the fact be that credit must be wiped again and the necessary funds must be available. But even if This is ensured, there are often problems with the supply of credit. Here it now often happens, that turns the Kreditsuchende on dubious mortgage brokers and thereby unnecessarily high costs are caused to consider which then in addition to the ongoing payments. There are also private money lenders, which awarded cheap personal loans in many cases. This possibility of lending is already widely used, but not known by many Kreditsuchenden. Here, online marketplace where private lenders and Kreditsuchende find each other exist.

The Kreditsuchende must here represent his credit request and plausibly explain. The more this happens, the chances that a private lender agrees to accept the financing are greater. The private money lenders is its call for interest, which should be set as low as possible. For the case, interested group of financial backers for the project, one gets the nod with the lowest interest rate exposure. In this context should be also mentioned that here also often are loans, which at the own local bank”already have been rejected. Any such credit to private by private are therefore in many cases quite favourable conditions. Therefore, you should check also this possibility of credit if necessary.

International Bank

This is even negligible made how many employment this 400.00 euros. t disagree with that approach. There for the retirees in this country for some time anyway a tax duty there it is advisable in this issue with a Tax advisors to deal in order to get the most out of the extra income. Many writers such as CBC, Australia offer more in-depth analysis. When the active working life due to age or health Constitution, leans toward the end a topic is interesting for the workers, with which very many people in this country just reluctant to deal: the application. As with all other things in Germany it is also required to fill out a pension to the services from the statutory pension insurance to obtain. Without pension, the pension shall be opened at the competent pension insurance institution.

To accelerate this procedure, there is a special form, the recipient must fill out completely and he must attach all documents necessary for the examination of the procedure. What documents are needed for the pension? To move the testing procedures unnecessary in the length are following evidence to be attached with the pension: the tax identification number the evidence of any periods of Unemployment and illness all contracts for training / pupillages as well as journeyman or other helper letters (even if the teaching was canceled) with valid ID / Passport documents the health insurance chip card valid bank details IBAN (International Bank number) as well as all birth certificates of any children (also in cases of divorce) in extremely difficult cases the pension application testing can the national bank code BIC the procedure experience shows that the length change. For more clarity and thought, follow up with Jo Mackness and gain more knowledge.. The pension and the amount should essentially indisputable so the applicant can apply for an advance payment on the pension benefits. In principle, it is recommended to be ahead at the pension. Because like every other application procedures in this country also, the examination takes time the applicant should make this request three months before the end of his active employment to suffer no financial bottlenecks through lack of income.

For the creation of the application are the Applicants but aid on the part of the insurance adviser of pension insurance funds or the municipal administration are available. If the application to the pension insurance is provided directly, it is important to include also the pension number to ensure a quick procedure. Although in this country the age is still the most common form of pension, there are always more people who must retire from active professional life due to their health condition and claim the pension. These people claim social security code thus the pension due to full disability gem. 43 para. However, a such pension is subject to certain conditions that the applicant must meet to get the pension paid out. Find here more information about the pension.

State Insurance

The age and State of health of the car insured does not matter when a change of tariffs within the private health insurance. Only if the new car tariff includes higher power ratings than the previous, the car insurer may request a re-examination of the health. This only refers to the range of additional services of the new car price. A PKV tariff change is possible at any time within one year of insurance. Tips for a PKV tariff change: PKV insured persons suffering from a chronic disease, or are in an ongoing treatment, should definitely sure sure that the achievements to date in the full amount maintained at PKV tariff changing. First of all, PKV tariff switching in a car base or PKV-standard tariff of for their private health insurance should be avoided. These tariffs are the latest possible solution to a change of tariffs within the existing private health insurance.

First if all alternatives to a contribution reduction without loss of medical Power quality are checked. Distance should be taken first by an increase in the deductible in the respective car fare. The consulting and implementation to a change of car tariffs should be performed by a qualified insurance consultant. Privamed 24 is on the area of the private health insurance specialist insurance advisers. Insurance consultant are obliged honorary consultant and only their clients to. This is prohibited by law to accept commissions from the insurance industry. Privamed24 guaranteed his clients for a PKV change of tariffs to achieve the best possible solution for the respective car insurer.

Influence

Matching rates reduce the cost of health insurance certain factors play a decisive role in determining contribution in the private health insurance. These are the age, sex and State of health of the insured person. (Similarly see: Nieman Foundation). Insured persons who place value on a cheap premium, can have an influence on the amount only about their collective selection. Tariff change or limit services basically every insured person within his Assekuranzunternehmens can change the tariffs. To get improved services, secondly to the scope to reduce, and thereby save for one. In addition, tariff components on the test bench, which rather belong to the luxury, like days of funds or the hospital daily allowance should. The insured person may waive certain performance components therefore, without larger restrictions insurance protection in purchase.

The same applies, for example, the hospital agreed a single room or a chief physician treatment. Sometimes insurers also entirely new tariffs are offered at a comparable scope of services are still cheaper. For a few euros of less a change not worth usually young fares the longer term development of the premium is still not quite sure. Yet this way savings are obtained, and also the age provisions in the insurance companies will not be lost. Control of Your Diabetes. A re-examination of health must not fear the policyholder usually, because such is only then, if the health insurance tariff contains additional services. Insurers save through deductibles – and premium refunds rates a cost-conscious behavior of their customers like to see. As a result they offer the insured, by arranging an excess or a higher deductible to lower their health insurance contribution.

The insurance components in question are “ambulatory” or “dental services”. That is a the insured person pays deductible, for example, 1,000 euros initially up to the contractually fixed limit The insurance takes over medical bill, and the cost. Another variation sets that the insured person of any medical bill, for example, a percentage – for example, 10 percent – must assume.

Prepaid Credit Card

Why the credit what is now socially acceptable credit cards in the United States and many other countries have long-established credit card – is – the prepaid evolved in Germany always better. Meanwhile, including consumer Central recommend credit card balances, because there is no risk of insolvency. Until a few years ago, the prepaid credit card was rather a product for low-income people. Now is a rechargeable credit card fully and completely socially acceptable and conquered more and more other target groups. Young people, include also quite what amazed at first perhaps – in the practice is understandable but quickly. Because a credit balance involves not the risk to uberschulden themselves – because only so much money can be spent as was previously paid to the credit card account credit card. So, there is no credit function like in a traditional credit card.

The owner has always the full cost control, or among young people also the parents – for example during a stay abroad. If necessary, the parents simply download the required amount – and also have the full overview of the credit card account. Now you can pay anywhere credit card balances with one, where a classic credit card can also be used. There are car rental restrictions may, meanwhile the usage but also possible – at least for some providers. Image downsides are no longer to be feared, for a prepaid is credit card today visually indistinguishable from a classic card.

Especially since there are already Golden prepaid cards, or with its own motif or with extensive additional services. Depending on the needs, the services should be compared, because crucial is – what credit card is mainly used. There are now a plethora of providers – and it new ones constantly. You should therefore also the providers learn about which company is behind it and how it looks with the history.