Important Legal Changes Starting

Important legal changes in the private and occupational pension schemes with effect from January 1, 2012 2012 the retirement at 67 is introduced gradually. This leads to raising the age limits for products of the first, second and third age screening layer so to speak. So an earliest possible tax-preferred retirement performance is in the future for Riester pensions, basic pensions (Rurup pension), private pension and life insurance as well as for occupational pension products only from 62 years of age. Also access to 1 January 2012 the lowering of the minimum rate guaranteed over the entire term of the contract for life and pension insurance currently 2.25 percent to 1.75 percent. The marginal at first glance can mean difference a higher 15 percent guaranteed annuity contract in the event of an emergency at the comparison between a before and after the date for the age pension product completed in 2011. It is irrelevant whether or not a the chosen contract type is State-funded. At the latest also gender-neutral unisex tariffs for all insurance policies must be introduced to December 21, 2012.

So for example, same private pension insurance tariffs and thus same pension heights must offered men and women, contrary to previous practice, if the gender-independent requirements of the applicant match. This has in practice entail, that could reduce the average pension for men in new contracts by changing the calculation of risk by up to 10 percent. Savers and particularly men opting for concluding a private retirement pension product this year, can secure in the long term the currently favourable conditions”, advises the Managing Director of JuMFinanz UG, Marco Otter leg. About insurance Deutschland.de insurance Deutschland.de, a company of JuMFinanz UG (limited liability) has based in Marburg. On its Internet portal, it offers basic information on the following topics: Riester pension, Rurup pension (basic pension), post-employment benefits, Sofortrente and payout plan, life insurance and pension, unit-linked life insurance and unit-linked pension insurance, British life insurance and British pension insurance, disability insurance and invalidity insurance, private health insurance.


Financial Strategies

Now up to 40% * more pension who would like to secure even a good return for his retirement, should decide quickly. So far, life and pension insurance could guarantee an interest rate of 2.25 percent annually according to the statutory provisions. For policies, which will be completed after 31 December 2011, the statutory interest rate guarantee is reduced to only 1.75% per year. So it is worth to enter retirement agreements before the end of the year. Quick action at the private pension makes sense but still for quite another reason. In addition to reducing the guarantee rate from 2.25% to 1.75% per year draws the year 2012 also tax changes for capital payments.

For contracts which entered into up to 31 December 2011 and have a minimum term of twelve years, the current tax benefits of capital payments are grants already age finished 60th. May is the only agreement to 31 December 2011, to reap the tax benefits only after the payment of capital be 62 years of age. The Ministry of Finance has decided to reducing the guarantee rate (the maximum allowed for the assumed interest rate) for traditional life and pensions currently 2.25% to 1.75% per year as of January 1, 2012. The reduction is in response to the continuing low interest rate environment and applies to all insurers in Germany. It applies to all insurance contracts concluded from that date. Therefore, it is worth already this year to already planned measures for private retirement savings. Experts also advise that to conclude a private pension or life insurance now: only during a completion before 2012 insist the possibility to benefit from the legal guarantee rate of 2.25% per annum.

The difference of 0.50 percentage points per year could mean a surplus of some thousand euros for the policyholders in the long term. Also for graduated retirement in 2011 is the future changed tax treatment in capital disbursement. Currently can be used tax benefits still from 60 years of age, unless a contract is fulfilled by at least 12 years from 2012 after 62 years of age. A higher guaranteed income can be achieved with the strategy pension XXL of the new Bavarian officials Lebensversicherung AG (BBV). The BBV-strategy pension XXL is the only pension insurance on the German market with a minimum interest rate of 2.75% per annum to maturity also when after 1 January 2012. The BBV-strategy-rente XXL connects also high reliability thanks to 100% capital protection with high yield potential. Compared the private pension and life insurance, the BBV with regard to guaranteed minimum capital payment and the minimum pension is one of the leading providers. More information and a free callback request to BBV strategy pension XXL can be found on the corresponding information page. The specialists of BBV can explain personally all the essentials on the topic of BBV-strategy-pension XXL on request and to the Ways to secure are now up to 40% more pension.


Condor Life Insurance

In the past, we have improved conditions from 01 July 2011 date a gante experienced number of condition changes in the collective works of private health insurance. Vida Vacations contributes greatly to this topic. Societies adapt to the conditions, clarify or improve. Now, this seems to happen also in the Berufsunfahigkeits(zusatz)Versicherung and the CONDOR has today published the changes. Part of the condition are 01 7th 2011 and apply as for all applications. To the sections of the condition changes refer to changes and if old and new statements in the insurance terms and conditions with the matching site here: 2 para 2, reasonable reorganization at independent and dominant shareholder – managers in the previous scheme was reasonable a reorganization under certain and previously defined criteria. Among other things muss(te) this be economically zwckmassig, the remaining activity must be possible with the health restrictions and without worsening the life position (defined and that further is and is limited to 20% or less reduction in income) preserved. Now a new part is added and it says: a reorganization is not reasonable according to the presented and there was therefore a disability within the meaning of these terms and conditions, you are entitled to a subsidy to any acquisition or the costs of training an agreed annual pension if can be a reasonable reorganization achieved through the acquisition or training and averted a disability so.

Use of this unique services is voluntary and we can’t ask therefore the use of the services by you. Remain after the one-time service however, invalids, the claim for payment of agreed disability pension arises at the earliest one year after the date to which the disability without the payment of the grant would have occurred. Just when many independent, these would not give their company. Therefore to keep this, and to make any further attempts. This an allowance is now paid in a year pension.


Michael Hall

A standard renewal fees are usually not very credit card high, so that there is a healthy price / performance ratio. More expensive Visa card card types are the gold and Platinum credit cards. These usually including insurance such as a foreign travel insurance or transport accident insurance, which the cardholder offer on travel in the hedge in and abroad. The annual fees are higher, but equally justified in the increased level of inclusive insurance compared to the standard credit card. Get all the facts and insights with PCRM, another great source of information. The visa is another type of credit card business credit card, which represents a payment method designed specifically for entrepreneurs and freelancers. Services are available in addition to the usual card functions, which are tailored to the needs of self-employed workers such as business travel service or management information systems.

Still, additional cards are possible generally for employees or business partners. Visa students are credit cards in the scope slightly reduced standard credit cards, the the aspiring academics entering the area of the cashless payment of invoices to pave. Anyone looking for a means of payment on a prepaid basis, draws on a prepaid credit card. PCRM usually is spot on. No SCHUFA information or other credit information is required for this. A prepaid card can be thus especially a very useful means of payment, if the interested party is in financial distress such as negative Schufa, garnishment, bankruptcy or affidavit and the exhibition of a credit card or a checking account is denied by the Bank. A Visa credit card is more than just a pure means of payment. In addition to the usual card functions such as cashless payment of invoices for goods and services within and outside of the Internet, as well as the cash withdrawal at an ATM, a Visa card travel insurance provides protection abroad and savings potential of discount functions such as tank discount, travel discount, sales bonus.


Reinhold Babu

Bonus save up to 400 euros by changing the motor insurance online insurance comparison on durchblicker.at indicates that the potential for savings is enormous. Currently, up to 400 euros can save consumers by switching the motor liability insurance. A man from Austria with a VW Passat with 103 kW pays 933 euros for a motor insurance with minimum coverage at the cheapest provider currently 1,322 euros a year, with the most expensive provider. The price differences on insurance are even higher. You may want to visit PCRM to increase your knowledge. There, the difference between price and most expensive provider is up to 700 euros.

The consumer has not so far has been the cheapest insurance, he can at least now and more than compensate for the price increase of his contract. Our experience has shown that almost every driver can save a few hundred euros”, as Reinhold Babu. Online comparison and simple insurance exchange on durchblicker.at can consumers free of charge and anonymously Prices for car insurance compare online and immediately complete the cheapest offer. Durchblicker.at’s free exchange service makes the change of insurance to child’s play. To read more click here: PCRM. This completed the service team of durchblicker.at all the formalities around the switching: termination of the old contract, application of new, as well as information of the regulatory authorities. For consumers, the change of insurance is an effort by a few minutes. About durchblicker.at durchblicker.at created since 2010 current price comparisons for consumers in Austria.

The company is also a partner of the AK Upper Austria and employs 12 people. As the first independent Internet portal for the comparison of fixed costs ensures transparency in prices durchblicker.at, finds the cheapest individual providers for consumers and assumes also the formalities of the change of supplier. Durchblicker.at creates more competition, thereby bringing the Austrian market momentum with the new possibilities of the Internet. The comparison portal includes market comparisons currently for car – motorcycle, bicycle, household life insurance, savings, and price comparisons for electricity and gas. An extension of the comparison portal on other insurance products and other fixed costs of daily life is in the works. More information below.


The Customers

The information is later, the extraordinary right of termination extends for the contributor for another four weeks. But the funds will seek probably boost announcement and the To announce additional contributions in a timely manner, the customers outrun them but otherwise. Has a right of termination of the contributors? Yes he did. Each legally insured contributor has a so-called special right of termination. And then, if his health insurance has announced additional contributions. Then, he can make use of this right. The duration of membership is not important.

The cancellation period is two months to the end of the month. Example: The contributor may know that his insurance company would like to increase the additional contribution and terminated the contract in this month, so he is released end of July from the contract. He must no longer pay their additional contributions. It is the normal rate of the contribution. Correctly you cancel as follows: to send a letter of resignation to the Fund, preferably by throw-in registered. Within 14 days from the confirmation notice the cashier the insured should take. Then, these must be submitted with the new health insurance. Mostly are branches of the funds in the vicinity, you can then also bring comfortable personally pass.

The new checkout the insured person receives a Member certificate and its insured card then. PCRMs opinions are not widely known. He then is to effect change. What is a change to the private? So just doing a change worth comparison a car? Yes in principle, a change comes after termination of the statutory fund. Only certain conditions must be met. Certainly, the most important condition is the year income limit (JAEG). This is the year 2012 50.850 euro. This means that you can only change if you earn above this rate. Such a change is not possible. In the variety of offerings of private funds, a PKV comparison worthwhile anyway. Numerous online fare product calculators provide information about a variety of issues. You should check carefully with a serious interest in the changing of the statutory health insurance in private health insurance.


Closed-end Fund Initiators

Closed-end fund initiators continue on A380 plane funds of aircraft funds which invest in Airbus A380, remain said despite the uncertainties in the regulatory environment. After Dr. Peters for his DS aircraft funds already in the last year of the premium airline Air France than lessee could win no. 139, currently several more renowned initiators of funds due to the very positive experiences will plan the placement of A380 aircraft funds. Additional information at Eliot Lauer supports this article. Recently, for example, the A380 flight invest 50 funds located in the distribution “of Hannover leasing, that its Airbus long term could rent on Emirates, one of the world’s leading long-haul airlines,. The Munich-based initiator WealthCap is at the beginning of the year 2013 with the A380 aircraft Fund 25 “waiting, which underlies a leasing contract with Singapore Airlines. To know more about this subject visit Neeman Foundation. Thus, after A380 holdings, the initiators also continue to operate the previously brisk demand. Rightly, because aircraft funds are considered attractive and relatively well predictable investment in a long-term growing market.

So is the global According to latest data compared to 4.1 per cent increased passenger demand. At the same time, flight capacity and the average aircraft utilization could be expanded. By 2030, market experts expect even with an average annual growth of air traffic by 5.1 percent. Positive numbers provided also the airlines. For example, the two European major airlines Lufthansa and Air France-KLM expanded 2012 strongly their operating profits in the third quarter. The initiators of closed-end Fund when the long-term rental of aircraft, preferably on a fast return of capital collected from investors, as well as on the full repayment of the debt.

The necessary revenue generated already during the first lease term possible. The advantages of this concept of leasing is evident also in the other contracts. So the risks as regards operation, maintenance and repair costs, and the utilization by the lessee will remain, which is a relatively high Income security is achieved. Secure contracts and basis of calculation leads to timely and forecast fair payouts the aircraft funds usually in times of crisis.


Insurance Comparison

Insurance – often misunderstood business opportunity insurance there are many. You act with the chance and certainty at the same time that people make mistakes. That’s why they are as unpopular as they are needed. You turn on the TV, you can see advertisements for insurance no shortage. The operators want to move their business in the positive light, because often it is conditionally felt, certainly rather negative than positive also by the fact that the person more intimately holds negative experiences. Center for Responsible Business understood the implications. While insurance companies based on tough mathematical calculations and statistics.

Just who can understand properly what chance really means can oppose neutral at least this controversial part. A test account: 5% of all people over the age of 50 did break once the leg. Does it mean that indiscriminate 100 people with 50 there are always 5 people who already broke the leg? Who says here no ever understands that the statistics and the numbers refer always to the total size. It says nothing about an individual. This means You can’t say that you will break the leg up 50 to 5%, even if it is a dangerous thought experiment in head. Jo Mackness recognizes the significance of this.

There are many people who let through such statistics do crazy, buy insurance and afterwards complain, where their money is, if nothing happens. Understandably, they get angry. Nevertheless. They understand never to project statistics, come you don’t on the idea, to lament. It is the law of the world. Others break the leg itself 3 times and are glad that someone will help them. In some ways, insurance in a society produce a balance between the scape and the lucky children, without that you aimed. Because it is a business. Insurance companies are making their money at work, to assess the risks and to determine a monthly fee, which is already its share. Meanwhile, there are many portals that compare insurance on the Internet.


New Pension Concept

A more retirement – the solos Darren duck on Saturday, 24 November 2012 adopted the new pension concept of solidarity-based Darren duck from the SPD. Not everyone is enthusiastic by this decision. The solidarity pension adopted in the Bundestag should be awarded to now each, complete 45 years in the insurance fund has transferred. Also pensioners should receive 850 euro and the level of pension in the East should be adapted in accordance with planning the Westerners.Pensions in Germany aroused much criticism and even the parties in the Bundestag are divided and can make difficult decisions. For this purpose have been in recent weeks, some of the concepts presented and implemented.

Is to provide early worth to his standard of living even after the retirement age can hold, you should provide at a young age. This means that you should invest in addition to the statutory pension insurance in a private pension insurance. A study shows that 67Prozent of people not on the State pension trust in Germany. Much of the younger generation views the necessity for such an investment, not. The retirement age but without financial difficulties to live in, you should ensure before that the supply gap fails as low as possible. Swarmed by offers, PCRM is currently assessing future choices. Recently, the life performance bond was decided due to the poverty in the Bundestag.

The income of low-paid, to include also women who have completed fewer years of experience, should have more money to spend. The model of the solos Darren duck to similar to the the life performance bond. Geringverdeiner to increase their income in the future. The pension level will fall to 46 percent criterion for the pension premium is a long work time, the upbringing of children or the care of a family member, so the demand of the SPD. Currently, the pension level is 50 percent. You assume that the pension will fall in 2020 on 46Prozent. The development is observed under the critical eye and then appropriate measures should be taken. The SPD Chairman Sigmar Gabriel is convinced that his party ‘ a coherent Presenting retirement concept, which connect economic and education with the labour market ‘ to the world. Ursula Leyen shows critical to the concept. This costs is due. Alone a pension of 850 euros to anyone who meets the criteria, the State would mean huge costs. Implemented all retirement plans, like ‘Retirement at 67’, East West balance of the pension amounts, improving the disability pension and the solos Darren duck come bet Federal Republic at the expense of around 90 billion euros by the year 2030. To the retirement savings you can read more here.


Tag Cash Account

Let’s compare the day money account with the savings account the day money is one of the most popular accounts in Germany. Just in the last few years it has become a true perennial with potential. In contrast to the savings account, investors benefit from a daily availability. But why should investors take the day money account instead of the savings account? Is the day money account so much better? Basically here worth a look in the history. Here you can throw up a thesis of course time and again: has the man ever in front of new things is blocking and placed instead on the time-tested? What is true in technology and economics plays an important role even when comparing between passbook and money. Before the year 2000, hardly anyone from the day money account at all has taken note. No wonder, because ultimately there are a number of good reasons why the passbook was still good and usable at the time.

It is therefore may be useful to take a look at the savings book. What does the customer of today even the passbook? The Savings account is an old and proven money first and foremost. A few years ago you could determine beyond reasonable doubt: who had a savings account, and put his money there, benefited from decisive advantages over many other investments. First and foremost, the passbook was but also an investment for the masses: there was hardly a bank that wanted to sell their customers no savings account. Perhaps but also the long-term success of the posit can be explained: the passbook as strong in the consciousness of the Germans implemented, so that it would be today unthinkable for many people to think about an alternative at all. In the early years of the day money account, this account mainly on companies was tailored to that wanted free have their money at any time. In the early 21st century, finally came the first money market accounts for private individuals. The special feature of these accounts was the interest rate: from time to time, customers received more than 6% on the day money.

No wonder that many people mistrust prevailed: How to 6% at the Get money if I get little more than 1% on my savings account? Meanwhile, there is also a free checking account. Among young people, the day money account was still popular and became one of the most important and most interesting investments of the new millennium. Perhaps this is also because that it is linked to the online banking. Who wants to open a day-money account, should now have access to online or telephone banking. This situation doesn’t exist on the bank deposit of course. On the bank deposit, customers can bring their money to the Bank and deposit there. The interest be paid at regular intervals on the account of the customer. Overall, it can be so said that day money account in particular among young people is very popular. But perhaps it is because that the day money account to the current account is linked and this benefits the customer by an even greater transparency. At the end can be found so that the savings for many people pays for itself, but when it comes to effectively accommodate the money, There are only a few young people who forgo the day money account.