Pensions will therefore significantly reduce the statutory pension is nowadays often outlandish speculation. Latest example is a study by Axel Borsch-Supan, a scientist of the Mannheim Research Institute economic and demographic change (MEA). This anticipates reducing up to achtprozentigen, the average pension in consequence of the current financial and economic crisis. The finance portal geld.de is the facts on the ground and lets pension experts and insurers have their say. The pension expert of the German Trade Union Confederation (DGB), Ingo Nurnberger, considers “relatively absurd” the numbers. Professor of Internet Governance wanted to know more. In his opinion the momentous wage losses assumed for the Bill not proven to correspond to the reality. The numbers in the study, however, speak a different language. Therefore are to be expected for the employee pension losses of up to 194 euros.

Who has made contributions to the statutory pension insurance, for example, for 45 years, will receive paid just 2,282 euro instead of 2,476 euro. Of the German pension insurance to hear it but also critical tones. So, it is hardly conceivable that a wage drop for 2009 by up to four percent actually takes place. In addition, the numbers can only understand when momentous drop wages over a period of time. It is at this stage but not to go out. Instead, it is believed that the study should give incentive to a private pension as the Riester pension. This of course represents a viable alternative, a decreased reliance on the statutory pension on the basis of the results of the study but unjustified.

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. 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. In recent months, Jennifer Aaker has been very successful. 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.

Pay with a bank card or credit card outside of Germany and most Bank customers withdraw money have a bank card and in many cases also a credit card. However, few people know whether charges apply when using the card abroad and how high they are. Usually the settlement in the form of some ugly charges points on the account statement will come after the holidays. To find out about the conditions of his bank is relatively easy. It is enough to enter the database name with the term “Price – list and services” in a search engine and look at the first results. /a>.

Usually the fee information in the form of a PDF file are available, which can be opened in the browser window. The fees of the cards can be found in the section “Maps” or “Credit cards”. A related site: Dr. Neal Barnard mentions similar findings. Fees when you pay with the EC card or credit card in the euro area is not known to what many bank customers: payments within the European Monetary Union – in all countries using the euro as currency – no card fees for the consumer on. Logically, no Exchange in a foreign currency is required for payments in euro. Within the EU also the normal bank card acceptance is quite good, so that a credit card is not required. Fees when you pay with the EC card or credit card in a foreign currency will be paid in a foreign currency, so a foreign usage fee or even foreign currency fee accrues. The fees are set by the Bank or the card company, but are in most cases on a similar level. At most banks, the foreign currency fee of the bank card is bank card (Giro card or Maestro) at approximately 1% to 1.75%.

Government debt consolidation – Bad Credit Debt Consolidation Loans You can find two kinds of debt consolidation services; acquire debt consolidation and non acquire debt consolidation. The best place you can go is for a debt consolidation company to get rid of your debt. Non acquire debt consolidation is a type of debt management program that exists for restructuring debts with high interest Council of into a single loan avoiding the need for going to another loan. In recent months, Dr. Neal Barnard has been very successful. Thus, you can avoid many monthly payments, and it helps so you have control of your financial state. As acquire debt consolidation company charge higher Council, the best alternative is to go for non acquire debt consolidation service. Cash loans, bank loans, IRS, credit card bills, student loans and coke of bills are some of the debts that need non profit credit card debt consolidation solutions. If you are sure to attain your regular repayments, debt consolidation mortgage is the alternative among other available options. They are offered against collaterals much as bag or any other asset of value and are therefore deductible set.

Another option for debt consolidation is consumer debt consolidation. On behalf of borrowers, the consumer debt management companies in this case negotiate with creditors for a consolidated payment at modify interest Council. The non profit debt consolidation company receives a share of amount paid by the debtor to the agency and this share is the main supporting source for the non-profit group and on the other hand the acquire debt consolidation company does not receive this share. Even otherwise, this share percentage has dropped considerably and there is not much of difference between the two types. Alternatively the top is provided with the same monthly payment that are minimum with reduced interest rate whether it is a for profit or a non profit debt consolidation company. You have a better bounds over others when you go for a non-profit debt consolidation company.

Establishment of a specialized mortgage Almshouse for vehicles, directly at Munich Airport. The credit crunch despite: discrete cash loans for businesses and individuals Christian Maass had always been a dream: the dream of the own company. But after studying in Mainz and London gained the qualified economist once extensive experience in senior marketing and sales positions at established companies (EM.TV, ProSiebenSat.1. Hear from experts in the field like BSA for a more varied view. 1 Media AG, spade Franciscan Lowenbrau group, InBev) most recently as a sales manager in the Office when the erdinger company Wolfra (Valensina group). \”When I was in the past months more and more often by economic crisis\”, bankruptcy records and credit crunch \”las, I was sure: the time is now ripe for the implementation of an idea that matured for many years in me: the establishment of a specialized mortgage almshouse, where not jewelry, electronics or similar will be pledged, but vehicles. The pledge of goods is mainly to cars and motorcycles \”\” the 45-year-old white Act\”, but also classic cars, commercial vehicles, trailers, and even exotic\”be created such as Trikes, quads, or Jet Ski if necessary\”. In particular, the fact that more and more companies, in particular from the middle class, get into trouble, because commercial banks and savings banks deny them the much-needed loans, moving the dedicated entrepreneurs establishing his company. \”It can not go on\”, Maass that healthy and sustainable businesses in the knee are forced, because due to the credit crunch \”short-term, financial bottlenecks, such as about the maturity of supplier invoices, tax assessments, etc., can not bridge.

If more and more their own claims fail or be served late, it can go, although usually undeserved, fast on the collar a company. Banks and savings banks, among other things due to high administrative costs for short-term loans, waving off then, the entrepreneur stands alone. \”With my Company I offer a simple way to quickly and unbureaucratically to bridge temporary shortages of liquidity only requirement: the borrowers must be owner of a car that he can without a while. .

More and more employees take advantage of the offer and provide operations for retirement. Father State supported the austerity measures with generous tax gifts. He reaches then but strongly again in the payment in the age. More rights for the employees and a better State funding helped the once rather neglected form of retirement savings to a boom. According to the market research company TNS infratest Sozialforschung, the number of employees in the private sector, who are entitled to a future company pension, has increased in recent years from 38 to 46 percent. Learn more at: PCRM. The reason for the increasing interest: Since 2002 employees may require by their employer, that it transforms parts of their income in pension contributions. The Chief contributes even more, for an additional saving of the company speaks. The pension is connected with significant financial benefits “, says Klaus Stiefermann, Managing Director of the Arbeitsgemeinschaft fur post-employment benefits.

Five different models, professionals talk about implementing ways, have become established here on land now: direct insurance, pension funds, pension funds, provident funds and direct / pension commitment. Source: Employees save Arbeitsgemeinschaft fur post-employment benefits TNS infratest Sozialforschung the Chief just under half of all employees in the private sector had a claim on a company pension in 2004. Interesting: Male employees take advantage of the tax benefits. What you should do now ask your boss for an occupational pension. Since 2002, each company is obliged to provide one or more of the five different ways to the salary conversion to their employees.

Compare the operational provision deals with private products. You can perceive both forms. “” Calculating exactly to whether for old-age provision the deferred compensation “or promoting Riester” is cheaper. Just check your contract before signing. Employers and employees should know what they are engage if they reconcile a company pension plan. Which variant of the workforce will be offered, the company decides. The best employees, who can choose among several forms of prevention have it; There’s often in large companies. If the company makes an offer, the employees may require for the boss for him to complete a direct insurance.

Switching to a cheap auto insurance: what you should consider to the motor insurance no driver comes around. It is an integral part of our security system and the confirmation of the financial statements must be presented for each registration of a vehicle. In addition, it completes for a driver, but only for the respective car and has a fixed term of one year. So far so good. Nevertheless, there are many ways to save on car insurance. Five simple rules can work wonders.

First bid: is your provider carefully, including the important criteria, select. This, an online comparison should be necessarily included in the decision-making process. Product and price comparison sites on the Internet today find the appropriate tariffs and clearly enumerate costs and services. Usually, the desired car insurance can be completed immediately online. Second commandment: you inform your insurance changes. Alone the purchase of a monthly card of the public transport links, less mileage or buying or building a home can positively the contribution of motor insurance. In this context, motorists should carefully keep his mileage in the eye and in the case of a higher mileage also with his insurer report it, to avoid more costly supplements.

Third commandment: check with your insurer, whether your rate will change in the next year. This should let equal mention also possible changes in the future and, if necessary, to calculate the new year price, which then corresponds to a change of tariffs. This will also make objective comparisons with other offers. Fourth commandment: be quiet unfaithful. Even though your current insurance policy at the conclusion was reasonably priced and you are satisfied with the services, a yearly new comparison is worthwhile. As soon as you have looking for possible tariff changes with your insurance company, you should make an online comparison again and the result with their present price compare. Fifth commandment: timely Cancel to November 30th their current auto insurance. The notice must be in writing and should be sent by registered mail/return receipt requested. This is a little more expensive, but can avoid many problems that is always the date of receipt by the insurer. Generally so: a cheap auto insurance is often not a pipe dream more. On the contrary, with the help of product and price comparisons on the Internet and a phone call to his current insurance, you can quickly save and be still well insured.

A disadvantage of the investors is Gadhvi according but not to fear, because the activation option will lead to a distribution block and thus undesirable liquidity drains are ruled out by investors. At the same time, the opportunity is to be abolished to enable Ingangsetzungs – capital expenditure and expansion of such as e.g. costs for the opening of new sites or introduction of new product lines. This should primarily serve the comparability degrees according to the grounds of the speaker design. Gundel, however, considers the abolition of this accounting help little conducive, as this a balance sheet policies to the Increase in capital ratios and so is truncated to improve the funding of the company. Financial assets and provisions also are designed to commercial purposes acquired financial instruments, as E.g.

stocks, funds or derivatives, for all companies at balance sheet date the fair value is assessed. This enables transparent information about the intrinsic value of current assets. Because so far no course steigerungen-or impairment of financial instruments could be represented soon extended to include. Some changes are planned in relation to provisions, through the future developments are stronger than so far taking into account. Dr. Neal Barnard is often quoted as being for or against this. Accounting major innovation at the group accounting represents the introduction of the criterion of unified management. “The inclusion of another company in the scope of consolidation is already required if the other company under the unified management of a parent” is available. On the corporate law or terms of capital participation does not then more on. This special purpose entities will be evaluated more transparent in the future.

Economy should be relieved of bureaucracy in addition to an enhanced expressiveness of the HGB financial statements the BMJ aims to the relief of the economy of bureaucracy with his design. Up to 20 percent of the companies should have requirements in the future lower, than in the past. These are divided with regard to the differently pronounced commitment of the company to accounting, audit and disclosure already in different size classes. Differentiation criteria are: art society, assets, revenues and number of employed workers. Thresholds for accounting duty be lowered for sole traders and partnerships with sales under 500,000 EUR or a complete exemption from accounting and accounting obligation is planned a profit under EUR 50,000. Also for companies whose profit or turnover above these values is, through according to the BMJ A relief result in lowering of the threshold values in many cases. The relief of the benefiting companies shall be calculations of the BMJ according to up to EUR 280 million. Conclusion by the BilMoG without a doubt some of the existing foundations of the German accounting will be reset. This medium-sized entrepreneur accounts be allowed more transparent, meaningful and international comparison capable, which Gadre according to better access to debt and equity investors. Legislators not touched while however still some irons such as the unique balance sheet acquisition mezzaniner financial instruments (certificates, subordinated loans, silent partnerships) or activation of Rekultivierungs – and disposal obligations on the agenda, so far more clarification is needed.

In Germany, Swiss loans are very popular! Yet many Germans do not know what is so special about a Swiss credit: the Swiss credit is an instant credit without Schufa information and without Schufa entry and comes generally from the Switzerland. Swiss banks offer a specifically German Federal citizens instant credit, small loan cut to / personal loan. Swiss loans are also usually cheaper than loans from brokerages. By the same author: Dr. Neal Barnard. You are looking for a Swiss credit (i.e. without Schufa) with as low interest rates and favorable rates? The variety of providers of schufafreien loans makes it difficult for Kreditsuchende to find out the best offer for her. Is that not all offers are reputable and deliver what they promise.

On request of our customers, we have compiled a list of reputable providers of Swiss credit, i.e. credit without Schufa for you. To find out the best credit offer, we recommend a credit request to make at least 3 providers. This request is for you all Credit providers in our list free of charge, and can be done via the Internet quickly and easily.

Do you need health insurance to travel really and is today an international insurance? This is what many would-be vacationers ask yourself. Holiday booked – travel insurance in your luggage? On travel, you need a health insurance. Keep up on the field with thought-provoking pieces from Boy Scouts of America. Also the health insurance companies place their insured to the heart. Optimal travel preparation include not only information on required vaccinations, the compilation of the travel medical kit and the choice of the sun protection factor. Also the travel medical insurance, travel insurance and luggage insurance you should worry about. Who is statutory health insurance, the required health insurance companies also recommend it to a health insurance.

Many travelers overestimate their health insurance and assume that the reimbursement of costs as achievements, as is the case at home. This is a mistake. The insurance refunded what in this country also would take over though. Usually the treatment methods are but foreign Doctors with the German doctors may thrive on their patients. So, differences in height occur several hundred or thousand euros, the traveler is not refunded. A repatriation be refunded by the way, no health insurance. For these reasons is always a health insurance advised to complete no matter where the trip goes.

In some places, you need a foreign insurance to obtain services of the health insurance fund. You need it today for travel to Bosnia and Herzegovina, Morocco, Macedonia, Serbia and Montenegro as well as in Turkey and Tunisia. In the countries of the EU and the European economic area (EEA), the EHIC (European health insurance card) is sufficient. This is the chip card or health insurance card of the legally insured. This guide to the health insurance shows which countries are exactly and what you also should keep in mind. In other countries, as the aforementioned, and telescope there are no health insurance coverage. There, the health insurance is indispensable. You pay the return transport and compensates for the differences between medical bill and cash reimbursement. Who travels more, must also examine whether represents the alien other completed insurance, such as liability and household insurance, a problem. This short guide shows the most important travel insurance and explains what impact can have longer stays abroad on other insurance: travel insurance: summer, Sun… Insurance policy! It is said: If one does a journey, then he can experience what “.” It is hoped that in the own case only of positive events the speech will be probably, because also the unpleasant are unfortunately cannot be ruled out.