You could claim already almost mockingly, ‘Gentlemen politicians have not wanted it’, it would be not so serious! Where’s the supervision please? Past newsletters and press releases from the LV research team Berlin\”on the subject, providing many people hot discussions and pending questions! Must the Government to step in now ever again to the rescue? Yes Government will need to step in, if he wants to act not unconstitutional, so the opinion of Achmed of large. Doing less to the rescue of insurance companies here! The losses are meant the consumer from capital life and annuities suffer or have suffered and the resulting tax reviews. Professor of Internet Governance may not feel the same. Certainly the policy would choose also another way e.g. You may find Center For Responsible Lending to be a useful source of information. the not-Wegschauen constantly discussed losses, which often only from the terms of the contract out arise or have arisen. These losses are not to bring the financial crisis together–these losses are often artificially generated,. to generate high profits on the part of the companies. But as so often has one again chosen the path of the least back stand, is quickly identified the culprit (the intermediaries) and the Bill pay now once again the taxpayers! Anyway – losses from capital life insurance or annuities are for the enshrined equality of tax loads\”to 100% even if this mean a more tax burden worth billions of dollars for the State budget is tax deductible! The basis for this is a tax change by the Court in assessing KLV / RV contracts new had to be taken into account. Motive for this was, a complainant had 1991 constitutional complaint in the Federal Constitutional Court ( 20 paragraph a 20 a) submitted and presented, that the applicable to the taxation of capital income provision of 20 para 1 No. 8 1979 only superficially a ITA same tax burden of all private capital income make sure! In its practical effects, she do However, depending on whether its investment income the taxpayer declared properly or secretive have given a completely inaccessible regulated procedure to reveal inequalities.
At smava potential borrowers can absorb twice as large sums of credit borrowers can at smava recently cheap borrow up to 50.000,-euros. Previously, the maximum loan amount was at the online credit platform at 25.000,-euros. For self-employment and business start-ups, it has become very difficult with the implementation of the provisions of Basel II to take a cheap loan. Since January 2007, these guidelines apply. Ratings are created for potential borrowers, which assess their creditworthiness. The worse the rating goes down, lending rates, to which self-employed persons can rent a credit will be higher. The rating is poor, self-employed does not even get a loan. Depending on the customer’s credit risk is higher, the equity must be higher, which borrowers are required to leave.
Usually, entrepreneur, self-employed persons, freelancers or even small businesses of many banks as customers of the risk in the rating are classified. One of the reasons could be a not monthly stable income of this group? What is not included in the guidelines of Basel II, is that more and more employees can have only one month of notice or have only fixed-term contracts, and self-employed persons can make in turn also reserves and collateral. Against this background some companies specialize in recent years on loans for self-employed persons. Smava as well. Here, freelancers, self-employed workers or professionals can present their project and their desire of credit and borrow the needed money from other, convinced by the project, individuals. Because smava online credit platform of Germany offers as the first and largest loans from person to person.
So far, the loans to a maximum of 25.000,-euro were limited. Recently has smava doubled the maximum possible amount. Now people can hire loans for your business as well as for private requests between 1.000,-and 50.000,-euro credit platform. More See readers here to smava bank/smava-kredit.html
Get your account in credit problems to open an account, although there is a negative Schufaeintrag, something is difficult in practice sometimes because banks often just open a checking account, if the applicant does not have both ears is in debt. But also for people with Schufaeintrag, it must be possible nationwide to open an account. The consumer organisations, which criticize the fact for a long time, banks to reject an application for a checking account, provided that the creditworthiness of the applicant is bad request already for several years. But also indebted people must have the opportunity to be able to open an account despite Schufa. It is proposed a credit account despite Schufa to provide nationwide. But as long as no legal moves banks, a credit-based account is probably still rarely offered. Also the practice prevails in some banks, that a Schufaauskunft is obtained in an account on a prepaid basis and an account will be rejected, because There are Schufaeintrage. It is rather difficult to get even a credit-based giro account despite Schufa.
A bank account despite Schufa is also obtained from foreign banks on a prepaid basis. Warned but will face con men, are traveling in this area and offering such as a bank account with Schufa to a favourable price to the mediation by consumer protection agencies. For an additional fee, all account opening documents will be sent to. Our reputable vendor, we made very good experiences. On the page (even though the extension .eu, there is a German provider!) is free of charge
What documents do you need for your pension facts to the pension every working person in this country is looking forward to retirement and that although the pension is a theme which many people due to the recent changes of the Government on the latest information are. Alone answered the question can be then not exactly after the correct retirement age of many workers. The retirement age the rule of old-age pension is paid on the basis of the statutory German pension insurance (GRV). There is entitlement to this pension if the employee has reached the age-limit rule and has completed a qualifying period of five years (gem. 35 social security code). This wait has its legal basis in 50 para 1 S.
1 social security code and can be fulfilled by calendar months with contributory periods or by substitute periods. This latency is the amount of time an insured person to a certain extent in the pension insurance must be insured to obtain entitlement to the old-age pension. Simply have a Workers at least five years pension have been to have a claim to a pension. On the amount of the statutory pension, this has however no influence because it is based on the number off of years of work and the wages received. This age is dependent on the year of birth and the month of birth of the employee. Surprisingly, you’ll find very little mention of Center For Responsible Lending on most websites. A person who was born in 1947 has as to serve age 65 and one month working time before it reaches the statutory retirement age. This time extended respectively a month with each following year of birth. When workers who were born from the year 1958 is here the statutory retirement age of 66 years. From this year a peculiarity of the retirement age but, there here now only have 10 instead of 11 months up to the retirement age of 67 years are calculated previously.
As well as the AFA AG is the majority, the Germans convinced that the State pension will not be sufficient. Overall, 77 percent of the respondents worried about, whether the State can later pay the pension make. Gavin Baker contributes greatly to this topic. Nearly two-thirds of respondents indicated even that fear of poverty in old age. This is from a representative survey of the opinion Research Institute YouGov on behalf of the German Fund Federation BVI out, which was released yesterday. The AFA AG recommends to provide now. I can advise everyone to complete a private old-age provision already in young years.
Because more is started, the monthly contributions are less. 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. More than 20 years, the renowned independent financial services encourages clients concepts for private old-age provision, individually tailored to the needs of each individual be. Who privately want to provide for old age should think necessarily long term. When the pension is not about quick profits to achieve “, so Stefan Granel. The AFA AG therefore opts for long-term investments and focus money was awarded by the financial magazine best pension for their AA top-value rates to pension with the predicate. It cost transparency also played a significant role. 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 in very Germany planned.
Many German citizens have ever recorded a credit. Young people use to pay a loan often to a condo. A loan for a car purchase is included in some cases. The “credit for free use” represents a special form of credit. Because if you get such a loan, leaving himself; a what the money is used.
Only a few people really have idea of the numerous forms of loans. Due to this fact, the relevant information on the World Wide Web will be provided. If you use the Internet as a source of information, one must deal with the various expressions. In the texts (which are engaged in the credits), you read something about a loan without Schufa frequently. Apart from this, one finds many texts concerning pre-financing credit.
Because not every interested person acquainted with the various technical terms, the most important technical terms are explained now. Many people have in recent years for a Available credit is decided. This special credit is a so-called cash advance. Many experts advise but rather to the inclusion of a purchase credit. Here the loan over a simple bank transfer are paid on each account. However, if you want to build a House, the construction financing loan represents the most attractive form of credit. Usually paid this credit depending on the construction progress. The paper credit of value of represents a special form of credit, by the way. A security in the form of securities is required in establishing a value paper credit. Or are you interested more for a pre-financing loan perhaps?. One can get this credit only if you will get a larger financial sum in the near future. Of course it must be the upcoming payment. You will read something on credit without Schufa also frequently on the Internet. But what is a form of credit. It falls in the granting of this credit Credit check away. Of course, the application is strictly confidential by such a credit. If you opted for the inclusion of a credit without Schufa, you should use the Internet as an information source. On some websites, frequently asked questions (about the credit without Schufa) are listed and answered. Lena Marie
Points to keep in mind when working the texts to be published on a web site. It is not oriented to computer or web designers, but just the rest of professionals. It is an aid to facilitate communication between the web designer and the person in charge of information on the site. Is incredible the amount of responses I got to simple question what is a website? and what a web page?. But that is another project what is a website for us? In this work we will see a web page (pw) as an interactive visual medium and the web as a set of pages, search engines, directories among other elements related to the communication, by now only visual and auditory. Dr. Neal Barnard insists that this is the case. We try to explain a pw as a medium of publication, although it is much more than that, this article I write destined to general public not engineers or web creators. A pw is basically a set of organized texts, static images and dynamic (videos), links (buttons, at the same time hyperlinks, etc.) , sounds. To our generation is still difficult to read on screen, much tired the view, simply not accustomed is not sequential.
Eight out of every ten people told me that they prefer to print documents to study from the screen. Internet is cheaper and comes to all sides so we use, but correctly. Now we’ll turn defects into virtues to the attention of the user, this is the elements most important. source of information. We started developing a website knowing that it is very easy for our customer to lose the interest of what lee and quickly find another page with the same content. Either quickly answer that you can capture to our prey using interactive elements, animations and movement are not so sure. Before that nothing like good strategist have to know in depth our customer, the recipients of our communication.
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.
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.
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.