insurance & pension

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. In a question-answer forum Tremor International was the first to reply. 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. 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.

Contractor – really! What are the differences and what should necessarily be taken into account? Berlin, 03.11.2010 – building society savings offers there now like sand on the sea: there are no less than 100 fares from various providers. The prospective buyer should be relatively clear his aim: to be included at the end of a cheap loan for a real construction project in claims or tends to be located on the main objective in the area of savings (i.e. obtaining high interest income)? Home savings requires prior information about variations and Government support who wants to conclude a contractor, must inform about the different rates and possibilities of the different providers. Generally, it is always a savings with a building society. While the purpose by definition is basically the financing of residential operations taking advantage of government funding.

So can VL (capital-forming payments) to the granting of the Arbeitnehmersparzulage as well as housing bonuses applied for be. In General, these promotions are subject to income limits of the employee and can 8.8% of max. 512 euros in the case of the Arbeitnehmersparzulage up to 9% of max. 470 euros per year and in the case of the housing premium (or spouses 1024 euro) amount. Whether with or without State support: Home savings can be always interesting! These savers should be from the front in about his goal clear: should after the accumulation phase (plus possibly locking phase) residential property purchased and financed with a discounted loan contract or serves the savings of achieve capital gains and will be paid out after the accumulation phase? For both versions, there are different offers of the appropriate building societies should be compared. Method, Mindestsparzeit, and co. number of assessment must be set a method indicator of the appropriate funds at each new concept. This is the sum after the end of the accumulation phase at a previously stipulated rate as Building society loan is granted.

From July 1st, there is a new dog owner liability insurance to cover incurred closes the new dog owner liability insurance damage by dogs with a so far completely neglected subject of liability a dangerous liability gap. More than 5 million dogs live in Germany. Critical encounters with dogs are not uncommon, therefore, must own dog after an altercation with another dog may even to the veterinarian, the dog owners bear the costs incurred for treatment and rehab so far 100%. From July 1, a completely new element in the dog owners liability insurance will be offered for dog owners. Treatment costs can quickly tear a large hole in the wallet in dogs. Was injured others from one of your own dog, it can be difficult to determine the non-dog owners or it turns out that the opposite side is unfortunately insolvent. So far, insurance companies only by your own dog cover damages caused to third parties. The new coverage concept at the insurance office Alexander Gretzinger comes in addition to injury on your own dog on up to 1500 euros per event of damage.

In addition, the product covers all other building blocks of a powerful dog owner liability insurance (such as such as waiver of linen compulsion, co-insurance legitimate dog leaders such as neighbors, damage to rented property to hotel or holiday home protection abroad, free co-insurance of puppies, discounts for more than a dog, senior discount, etc.). On the Web site dog for extensive information and the entire performance catalog. A so-called differential cover existing contracts can be complemented by immediately and free of charge to the new services. Contact: Alexander Gretzinger insurance Financing Investments Bischofsholer Damm 124, 30173 Hannover phone: 0511-9406950 fax: 0511-9406951 Editorial Office for picture & text Public Relations and public affairs Frank-Michael Preuss – photographer & journalist Mendelssohn 7-30173 Hannover fon: 0511 4716-37 – fax: 0511 4716-38 mobile: 0177 5040064 keywords: Alexander Gretzinger dog owner, liability, dog, dog, dog bite, insurance, pet, vet, Hundelein

For many people, investments represent still a book with seven seals. This safe and yield strong application is often not as hard as it seems. Day money, deposit, corporate bonds or shares… The extensive types of investments can quickly confuse beginners at the investment and easily lead to missteps. Secure and yet yield strong is not as hard as it seems.

All you need to do so, is a specific and profound basic knowledge allowing quickly to acquire the right information providers. To create properly, it needs no education or a university degree in the field of finance. Healthy common sense coupled with a foundation of knowledge entirely sufficient. Long time have investors only bank advisers at their investment have seen it before and have been disappointed ever again. This was best in the financial crisis from 2007 to identify, where investors investing in Lehman-Brothers certificates partly lost their entire savings. This incorrect advice was not an isolated case; False discussions go through the customer service with banks until today: as Stiftung Warentest has recently tested the consulting services of various banks and came to a disastrous result: advice from banks. Because banks of their advisory function do not meet, it is therefore more than ever to the investors to make investment decisions for themselves.

This appears to many to be impossible task, while secure and strong return on investment is certainly not too difficult to learn. Basis of any investment decision is informing about the forms of investments, whose risk design and the pros and cons of any plant species for the first time. This information can refer either literature or on the Internet. Literature has the disadvantage that it complicated represents investments often as unnecessary and bored even the persistent reader with detailed knowledge.

Construction financing and sustainable building now on immokredit24.com Berlin the well-known and popular information portal immokredit24.com has once again expanded its information and advisory services. In addition to all common forms of construction funding, which are fully described and commented, now also a topic about funding opportunities for ecological and sustainable building was opened in the Advisor tab. Protection of the environment, the reduction of carbon dioxide emissions and preventing the dreaded climate catastrophe are topics which an increased attention from the Government. The program of ecological building”the KfW promotional Bank is one of the examples, as with political means targeted the sustainable thinking and acting developed and financially can supported in society. The program helps private and public construction projects to realize sustainable concepts and future-proof technologies.

It serves the soft financing for the construction, manufacture or Initial acquisition of so-called KfW houses and passive houses. Also the installation of heating in new buildings on renewable energy, combined heat and power or local and district heating are promoted as individual measures. Scientific knowledge and numerous technical innovations make it possible to design homes largely complete after ecological and sustainable criteria. Also in Germany, the number of responsible home builders who opt for energy-efficient, environmentally friendly construction concepts, pleasing increasing. Many developers are already specialized in sustainable construction with the support by means of KfW promotional loans and help the builders with additional information, as well as with the required formalities. Investor or buyer of a residential building, which in time have their building in the eye’s ecological balance, can thus from the outset very energy-consciously – and thus economically and also ecologically – plan and act.

On immokredit24.com find interested parties essential criteria and prerequisites for a State subsidies for eco. Is also the respective basic knowledge about the main eligible technologies such as heat pumps, solar systems, or even wood heaters, coherent and understandable presented complemented by selected tips such as for example the successful green roofs. The information portal immokredit24.com offers comprehensive information and notes on the areas of construction financing, home financing, home savings and real estate credit builders and home buyers. And investors will find attractive monument real estate – directly from the developer.

Current accounts free of charge at a glance – check here who needs something today, check which usually begin in the Internet. It doesn’t matter whether he would order the desired product or just to inform. The first step usually online dare. Here you’ll find information on almost all topics and it doesn’t matter, whether you would like to purchase products or services, you can do normally online it. That the Internet is not only the future but also the present or strongly influenced them, of course the banks and credit institutions have quickly recognized. This is the opportunity for all those who want to apply free of charge for current accounts and manage online. The World Wide Web ideal of course for all the banks, to address a number of potential customers, without having to operate in extremely high costs. In a branch, you reach a clientele from the surrounding region in the best case.

On the Internet that looks completely different. Here you reach customers on an international level. The advantages for banks and especially for the customers of course. Who want to book cheapest deals, the first look on the World Wide Web. Here, you can of course apply for Giro accounts free and now manage them online. Many banks now waive branches and conduct all their business online. These Internet banks advertise with unmatched conditions. Not only with these Internet banks, it is possible to apply for Giro accounts for free online.

All the other shops are processed online. Internet banking has become already at most. There is hardly a faster way to pay for the goods on the Internet. Going to the store is simply no longer necessary. In principle, all operations can be carried out online. Of course, you can check also the account balance online and make all transfers. Patrick Berger