Umuda Yolculuk

“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. rify these questions.

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 holdback is the retention of the insurance company to its distribution partners, to protect themselves against claims losses in the cancellation. Normally increases with each new Commission claim, subject to a liability that the holdback, and with any early termination, the paid closing costs recovered by the intermediary. The insurer remains always intact, rather transfers risk to the client and the broker. The termination of insurance contracts appears for the insurance industry rather the norm to be the exception. Experts say that at least 70 per cent of all contracts be resolved ahead of time. Due to the mostly low buy-back value of life insurance policies or annuities, many euro lost the insured upon termination.

In the particular case of unemployment, many seem “Citizens to act prematurely because they think that the valuable assets from life insurance in any case, for example, the income from Hartz IV” is applied. This is so wrong. Although all contracts are subject to, before the actual expiration or retirement usable (i.e. cancelled) are the so-called recoverable assets. These include conventional”capital forming life insurance.

You belong with their time value (buyback) to realisable assets, because there is a right to terminate the contract according to the conditions. You can check these free of charge on. Contracts, whose recycling would be uneconomic or would represent a special hardship for those affected are an exception however,”explains Jens Heidenreich project-LV doctor. The exploitation of a life insurance policy, whose buy-back value is more than 10% below the sum of paid-up contributions is considered to be uneconomical. It is to assume the guaranteed buy-back value. We believe that this applies to the majority of insurance companies, because surveys by LV doctor show that many life insurance companies not even after ten years and more the contributions refund. Rather, it is the rule that the must hang insurance basically up to the proposed expiry date, then to get his contributions and interest, that just balances the loss of inflation”explains the LV-doctor-chef. Life insurance companies cancel, but with LV doctor”, is therefore the motto, explains Jens Heidenreich. LV doctor advocates as a project of the Swiss proConcept AG injured insured. Because the proConcept AG is an international company which specializes in the repair and elimination of scattered damage. We are of the opinion that the surrender values paid by the insurance company when most contracts were calculated incorrectly and therefore, however, proceed,”Heidenreich said. For individuals, this means its a risk perception Interests at the termination and readjusting a life or pension insurance. Also occurs as an often higher redemption value as in a stand-alone termination of life insurance. It is also important to mention that this is possible even for already announced insurance companies.

Despite early repayment penalty a debt restructuring with extremely low interest rates can save you money. Historically low interest rates invite to make a loan. As consumer credit to purchase now but a new car, unless to realize finally the dream of homeownership. The interest level is currently at a level that investors at the last issue of federal securities accepted even a negative interest rate. On the other hand, borrowers look, whose liabilities are from times of higher interest rates envy on those who can finance today to the current terms and conditions. Nevertheless, these people are not the idle be forced. May a debt restructuring is a solution, press, perhaps even from the days of double-digit interest on loan financing at the cost side. More and more rates loans are equipped with maturities of more than six years.

Debt restructuring can be interesting not only for property owners with very long maturities, but also for borrowers with pure consumer loans. Before a Restructuring into consideration can be considered, but only to clarify the costs are. Borrowers need to know three things before a meaningful comparison could be made to the operator of the portal web kredit.info, Martin Brotzler. A the remaining debt is a factor of course, beyond the possible compensation and the cumulative for the remainder, yet due interest. These three pieces of information received from their currently financing Bank borrowers, so the credit specialist from the district Waiblingen.

The compensation is by no means set in stone, but also the negotiator of the borrower. In the calculation, whether a new valuation of the loan makes sense, every loan comparison calculator on the Internet can be used. It is important that the consumer the compensation and any costs for mortgage cancellation and new entry of the existing residual debt to expects. The term must be for a direct comparison to the current residual maturity the loan is to be adjusted. The compensation is omitted, should allow wholly or in part the current loan special redemptions. Before borrowers on laborious way to alternative financing, loan comparison calculator are a more pleasant alternative on the Internet. The request for quotation is done in a few seconds and has no effect on the Schufa. Borrowers who want to refinance a traditional installment loan, are well advised to answer the question according to the intended use. The comparison calculator search engines consider this information when choosing the provider. Often have special banks for certain purposes, such as vehicle financing, special conditions. This would not apply if no purpose is named. Yes, the request may result in according to the amount of the remaining debt and a possible compensation to do so already that the current financing institution by itself submitted a proposal for a debt at more favorable terms. A comparison on the Internet is definitely not redundant, but can be used also to the discussion with the Bank.

Benefits of private health insurance for civil servants because officials are not subject to social insurance contribution, there are free to switch to private health insurance. A great advantage of the PKV for civil servants is that they may aid and thus receive aid from their employers. Aid can be more or less compared with the employer’s contribution to the health insurance except that the ABG is significantly lower. In addition, family members such as children and the spouse can benefit from the aid and also claim them, however only, if private health insurance is available. Benefits of a PKV for civil servants the private health insurance benefits also in terms of services significantly more voluntary health insurance in a legal Fund. So can choose officials from a long list of services that can put them together depending on the need in an own tariff.

These include services in the areas of outpatient, inpatient and dental care. In addition, the car offers especially better earners the option to insure so-called Premiumleistungen. This includes for example a single room in the hospital, the Chief doctor treatment or a full reimbursement for the treatment by a practitioner. Especially a look at the tests to the PKV is test winner in the health insurance choice keep in mind to find the best private health insurance as a civil servant. In the private health insurance test Stiftung Warentest rates for civil servants under the microscope are, for example, regularly taken. Then, a winner is chosen, which then one year may advertise with this title. Just the test winners are ones that bring a lot of interest among consumers. Many consumers trust also the judgment of the Stiftung Warentest has done already several hundred product tests with over 50 years experience and is considered one of the most experienced companies in this area.

Nowadays many people live under in their financial needs of the labour market is getting smaller and smaller, the unemployment threatens almost on every corner. More and more people do it more alone, making the living and must relate Hartz 4. This is not only the people who have no employment relationship – more and more people who for decades stuck in the world of work, are also forced than “Support” Hartz 4. The reasons could be to look for, that there is hardly a wage increase, rather on the contrary: the wage is reduced, increasing the overtime. Rarely these are paid these days, employers often prefer offers the vacation replacement. But even employers are often forced to minimize the cost of employees.

So three are made rather “400 euro jobbers”, as a full-time employee. Should you in this context also consider, that increasingly a third body is integrated in the employer – employee relationship: the Temporary employment company. As the search also always more difficult for a working relationship, many people use the offer of temporary employment agencies. The advantage: Often a rapid integration into the working world created this. The downside: In addition to the taxes of the monthly wage also the charges for providing the temporary work company “lost”.

In addition, it is often so that – as the name suggests – the place is only temporarily available. Many job seekers take this in stride, with the hope of a subsequent takeover in a stable employment relationship. Be neglected the Internet but never should in finding work at the present time. Statistics show that the Internet is becoming popular: evaluating the statistics of the Census study as well as the ARD/ZDF online study, obtained the result that more than 43 million people daily surf the Internet 76% of all people who live in Germany are converted. The assumption that this progress somewhat with the Search online for an additional income might have to do, seems not entirely outlandish. The Internet offers more possibilities to secure themselves at least a monthly windfall. Often generated here without further sums of 50-100 euros, which of course represents Hartz 4 recipients much money for each. But also great merits obtained more often through the Internet. So, there are numerous companies, whose founding alone are fixed on the Internet already. 4,5 Or even 6-digit amounts generated each month, employees are accordingly sought to “outsourcing” of existing work. The issue of money making on the Internet is therefore also in the full lips. But also here it applies to inquire in advance exactly. Not all jobs are reputable, with providers from abroad you could run the risk to be remunerated for the accomplished work not as agreed. It is therefore important to obtain information about the companies advance always, thanks to the major search engines, this poses no problem. Tip: Enter- before you start an activity in the Internet – always a company name in a search engine and you just look at the score. Often, it also helps in finding in addition to the company name to specify also keywords such as “Serious” or “Fraud”, to get a corresponding result.