Deutschlandrente & Co .: Alternatives to private provision

Deutschlandrente & Co .: Alternatives to private provision

 

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Tuesday, 02.02.16, written by Juliane Wellisch

With the Germany pension, three Hessian ministers have presented a new pension model and have restarted the discussion on the future of old-age provision. The ministers support a state-owned fund that can close pension gaps and reduce costs compared to private provision. Now they get backing from the consumer centers.

 

 

Deutschlandrente: Verbraucherschützer unterstützen neues Rentenmodell
 

Germany pension: So the pension insurance could be reformed

According to the three Hessian ministers Tarek Al-Wazir (Greens), Stefan Grüttner and Dr. Ing. Thomas Schäfer (both CDU) offer a supplement to private and company pension plans. Due to population growth and longer life expectancy, pay-as-you-go statutory pension insurance faces considerable challenges . It is to be expected that pension benefits will often be insufficient for future generations. For a long time, politicians and financial experts have been advising consumers to take additional retirement measures. However, both Riester pension and occupational pensions are considered by many experts to be too expensive and inadequate. The model Germany pension builds here at low cost .

So should the Germany pension work

The idea of ​​a Germany pension is simple. In addition to the contributions to the statutory pension insurance , pensioners automatically pay into the Germany pension . It is not a pay-as-you-go system, such as pension insurance, but a simple provision product , which, unlike private pension contracts, has lower costs. Since the Germany pension does not have to be advertised and the expenses for the administration or for commissions are reduced or eliminated altogether, more money flows into the actual old-age provision . The German pension is to be managed, for example, by the Deutsche Rentenversicherung, since this can operate without its own profit interest.

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Germany pension: criticism and counterarguments

Critics fear that the Germany pension could become a compulsory pension . The Hessian ministers are actually building their plans for automatic provision. However, they allow for the possibility of an opt-out , ie a rejection of the Germany pension by unwilling contributors. Another point of criticism: If the pension fund is state-owned, it would be possible for the state to use this money in financial emergencies. Klaus Müller, CEO of the Federation of German Consumer Organizations, told the FAZ that the Germany pension is indeed a “worthwhile idea”. Regarding possible state access, however, it would be necessary to clarify in advance how the pension assets will be protected, “perhaps even through a constitutional commitment.”

Are there any alternatives to the Germany pension?

The Germany pension is far from the first plan to reform the statutory pension insurance . Especially with regard to impending poverty in old age, there have already been several concepts that should, for example, support low earners with extended pension entitlements. The plans for a living-wage pension or even solidarity provide for an increase in low pension payments to up to 850 euros . Prerequisite for this is an existing private pension. In addition, the claim only exists if, for at least 40 years of contributions, 30 years or more has been paid into the pension fund . However, according to many critics, this concept bypasses reality. After all, it is precisely former low-income earners, whose pension entitlements are less than € 850, who usually did not have enough income during their working lives to invest a part in private old-age provision.

Retirement Savings Account: Proposal already on ice since 2012

The life benefits pension is not the only suggestion. The State of Baden-Württemberg has already advocated in 2012 under consumer minister Alexander Bonde with the pension account a very similar concept to the German pension. According to this, a non-profit association, such as Deutsche Rentenversicherung or the Kreditanstalt für Wiederaufbau (KfW), should enable every consumer to have a retirement savings account with low administration and acquisition costs . In addition, the plans provide for the inheritance of the accumulated pension assets and the calculation of a “realistic life expectancy” in the pension calculation.

This proposal has not yet been taken up by the current federal government as well as the plans for Germany pension . Individual states such as Baden-Württemberg can not go it alone. Because the pension policy is decided at the federal level .

 

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Grave care and mourning work: Reform requirements for burial laws high

Friday, 05.02.16 , written by Juliane Wellisch Life expectancy in Germany is rising. At the same time, many people are more mobile. The care of the family grave is therefore not as possible as it used to be. In addition, the personal wishes regarding the last peace with many people change. finanzen.de has asked Aeternitas eV which changes are emerging in the funeral culture. >

Neue Wege bei Bestattungen: Mehr Friedwälder, weniger Restriktionen

Funeral culture in transition: Germans want alternatives to the cemetery

Demographic change and increased mobility within the population are linked to numerous social development processes. It used to be a matter of course to look after an elderly relative at home. Nowadays, this is often not possible when adult children have left their home town, for example, for professional reasons.

Not only in life, this has consequences. The burial culture in Germany is also subject to change . For example, tomb care has long since ceased to be a matter of course, even though it used to be part of mourning work in the past. At the same time, many people want alternative burial forms. But implementing them is difficult. Because there are still strict guidelines for burials in Germany, explains Alexander Helbach of the consumer initiative Bestattungskultur Aeternitas eV

The laws of the federal states permit in part different forms of burial. For example, last year Bremen abolished cemetery compulsion and allowed, for example, the scattering of ashes on private property. Do you observe something like a funeral tourism?

Alexander Helbach: No, you can not (yet) speak of that. In Bremen, however, a peculiarity is not to be neglected: The possibility of ash dispersion on private land exists only for deceased Bremen citizens. A kind of “funeral tourism” would not be possible there. Otherwise the same funeral possibilities exist in all federal states in the end (also sea burials are permitted in each federal state, the urn must be transported then only to North or Baltic Sea). There are also burial forests in all federal states (except Bremen, in Berlin and Hamburg only in a cemetery). Here, however, the distribution is very unequal, which is why one or the other urn is sometimes brought to another state.

What is indeed common is “funeral tourism” abroad. In many neighboring countries, such as the Netherlands or Switzerland, relatives can have their urn handed out. Involuntarily it comes in Germany then especially to the “funeral tourism” when municipalities bureaucrats burials, so if no family member can or will take care of the funeral, cause outside of their own cemeteries somewhere else to save money.

Currently, the Thuringia Funeral Act is to be amended to allow or facilitate the establishment of burial or burial forests. More and more people do not only wish for a natural burial such as in such burial forests, but generally alternatives to the last rest in the cemetery. Do you think the policy should react faster with legislative adjustments here?

Alexander Helbach: Definitely . There is a need for reform. Burial forests are the one point (good that Thuringia finally reacts), other points are for example the permits of Umbettungen and the still existing cemetery compulsion. A funeral culture must reflect what people want. Unfortunately, many regulations are very restrictive and are contrary to what many people imagine.

Umbettungen for example are only rarely approved. The problem has been massively exacerbated by the mobile society. Why should not an urn be allowed to move to another cemetery when the survivors move? Otherwise the visit to the grave is extremely difficult.

Majority of Germans against cemetery compulsion for urns

The market research institute TNS Emnid has in the past on behalf of Aeternitas German citizens questioned their opinion on the cemetery compulsion for urns. According to this, 58 percent of respondents call the cemetery compulsion obsolete.

New burial forms and social changes are causing a change in personal mourning work. Do you think that traditional mourning rituals such as regular grave care are dying out? Are other forms of mourning work developing instead?

Alexander Helbach: Classic mourning rituals will certainly not die out. They continue to have their legitimacy and their deeper, consoling purpose. And many people will continue to mean something, but not everyone anymore. As the social life and the ways of thinking of the citizens further fanned out or multiplied, so does the situation with the theme of mourning and farewell.

New mourning rituals are added, existing ones are developed further, old and new are merged – there is a lot going on, as Undertakers report: farewell farewell parties, the favorite music of the deceased, rituals like the lighting of candles, secular funeral orators, etc. For an increasing Number of people means the grave in the cemetery nothing more. The place of burial and the place of remembrance often drift apart. For example, commemoration takes place in the private room, even if a grave still exists in the cemetery.

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Who is liable for the theft of the debit card – bank or customer

Tuesday, 20.05.14, written by editor

EC cards are today the constant companion of all paying customers. If money or credit cards are stolen, the owner must act quickly and have them blocked. If necessary, he himself must be liable for the damage incurred after the theft of the debit card. This confirms now a current judgment of the Munich district court.

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Wer haftet beim Verlust der EC-Karte
Loss of credit or debit card can be expensive

Anyone who suffers damage after the theft of the debit card quickly asks who is liable for it. A series of judgments in recent years shows that the person being stolen must pay for the financial loss, if he appears to be responsible for it. This may be the case if a third-party billing is made very quickly after the cardholder’s last withdrawal. For the banks, this means that the defendant must have kept his PIN together with the debit card or observed when entering the PIN. Otherwise, the chances of guessing the PIN in three attempts would be 1 to 3,333, the Stiftung Warentest reports.

If the debit card is stolen: when is the bank liable?

According to the current judgment of the Munich District Court (Ref .: 121 C 10360/12), therefore, the stolen pensioner is left with the costs incurred by the theft. The perpetrators were able to deduct 2,000 euros from their account within a short time before the woman had her money card blocked. The 76-year-old said in court, not to have jointly kept PIN and debit card. However, the burden of proof that he did not do so lies with her and can scarcely be proven in this case.

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Stated cash card: who is liable for gross negligence?

The pensioner is not alone with the financial loss after theft of Girocard. Banks are not liable even for the financial loss in the event of loss of the cash card, if Beklauten can be charged with grossly negligent behavior. Various national courts see this fulfilled if the debit card is left behind in an unattended car, for example. Even those who put the money or credit card into their jacket pocket instead of their purse act negligently. If somebody observes when entering his PIN, he also has to pay for the costs incurred after the theft of the girocard.

How safe are EC and credit cards?

Even though the Munich district court has absolved the bank of the stolen pensioner of their liability – it remains questionable how safe money and credit cards and cashless payments really are. Banks indicate that EC cards are sufficiently protected by PIN, Triple DES encryption and magnetic stripe. However, the fraudsters are becoming increasingly sophisticated. The so-called skimming allowed them in recent years to read electronic data from debit cards. In 2012, for example, 521 ATMs were attacked 872 times in Germany.

Victims of a debit card should inform their bank as soon as possible or block their card with a 24-hour hotline. The phone number for blocking all cards, including EC and Maestro cards, is +49 116 116.

Author: Jessica D’Ovidio

 

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Fahrradversicherung

Is own insurance for the bike useful? 

  • Bike insurance pays off with expensive wheels
  • Many home insurance insurers also offer good theft protection
  • Find the best protection for your bike now

To the tariff comparison

Secure bicycle with household or bicycle insurance?

Hundreds of thousands of bicycles are reported stolen each year by their owners. Only one in ten cases is cleared up. Many cyclists therefore catch a bicycle insurance in the eye, which pays in case of theft and so relieves the loss of the wheel. However, hedging is often expensive. Cheaper is a good home insurance, which makes for bicycle theft.

What services does a bicycle insurance offer?

With a bicycle insurance, cyclists secure their bikes comprehensively. The insurance looks depending on the provider

✓ a theft protection,
✓ Benefits of vandalism,
✓ accident and fall damage and
✓ in case of theft of bicycle parts.

Important for e-bikes : the insurance coverage also works against moisture and electronic damage. However, the insurer can prescribe the dealer who should take care of the damage.

The respective reimbursement amount of the insurance depends on the value of the bicycle. The more the bike costs, the higher the price for the hedge. For the protection of a racing bike worth € 1,500, for example, owners pay up to € 528 per year , shows a comparison of Stiftung Warentest from the summer of 2017.

Attention: The bicycle insurance is only valid for the insured bike. If several bicycles are to be insured against theft and the like, a separate contract is necessary.

Over 300,000 bicycles were made in 2017
stolen reported.

What does a good home contents insurance make in comparison?

Many home insurance policies have improved in recent years in benefits and now pay for bicycle theft . However, part of the insurance coverage only applies at certain times of the day. For example, if the contract provides for a so-called night clause , thefts are uninsured between 10 pm and 6 am, for example. However, this clause is rarely used. Nevertheless, it is advisable to take a look at the exact terms of insurance to avoid unpleasant surprises.

The amount of the reimbursement is based on the sum insured , which was agreed for the entire household contents. Depending on the insurer, customers receive between one and five percent of this sum. For example, if insured persons insure their institution for 50,000 euros , a good insurance will reimburse at least 500 euros for the stolen bicycle . The protection generally applies to all wheels of the policyholder.

Incidentally, according to the latest police crime statistics, Berlin is the city ​​with the most reported bicycle theft . There more than 30,000 offenses were reported in 2017. Followed by Hamburg (14,500 thefts), Leipzig (10,000 cases) and Cologne (8,200 stolen wheels).

How much does a bicycle insurance cost compared to household insurance?

The investigation of the Stiftung Warentest for bicycle insurance shows that the costs for theft protection vary considerably . A bike worth 500 euros can protect bike owners from as little as € 46 a year from thieves. The most expensive tariff, however, costs 132 euros.

Important: Some providers do not insure older wheels. The maximum bicycle age varies between one month and unlimited in the insurance examined by Stiftung Warentest.

The costs of home insurance depend on the agreed services and the place of residence. In regions where bicycles are most often stolen, insurance coverage is more expensive than in areas with low theft rates.

Tip: Hedging through home contents insurance is often cheaper than using a separate bicycle insurance. According to Stiftung Warentest, the extra protection for a 1,000-euro bike often costs only around three euros per month.

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Differences between household and bicycle insurance at a glance

  bike insurance Household
Amount of the refund Value of the bicycle 1 to 5 percent of the sum insured
Services at Theft, vandalism, accident and fall damage, parts theft Theft, damage caused by tap water, fire and storm
What is insured? Only the bike All wheels of the insured as well as his entire household contents
Several wheels insured? No Yes
Costs depend on Value of the wheel Place of residence and sum insured

For whom is a bicycle insurance useful?

If cyclists want to know their bike well not only in the event of theft, but also in case of accidents , a separate bicycle insurance makes sense. The same applies if the new bike is particularly expensive . Here the benefits of home contents insurance can reach their limits.

Cyclists, who are especially concerned with protection against theft of bicycles, do not need their own insurance. A high-performance home insurance is sufficient, so they get reimbursed in case of emergency, the cost of the stolen bike. At the same time not only the bike, but also all household items are secured like electronic devices and valuables. For example, if they are stolen from the home or house or destroyed by a fire, the insurance provides important financial support.

Which insurer interested in bicycle theft optimally protects at a low price, you can quickly find out with the free comparison calculator.

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What My Mother Educated Me In About Bank Plastic And Family Finances

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Nowadays, nobody would instead carry even one dollar in their possession. It is all plastic money that dominates the wallet memory. Recently the trend is changing due to credit card debt problems which surmount to 978 million this year, second to mortgage liability.Many are turning back to greenback cash to defend themselves getting lured into their own credit card meltdown. But still, credit cards are an attractive item around the globe among people to manage and maneuver around the loopholes without getting trapped because of its unbeaten promises.

With the standard model minimum payment of 4% being charged by major credit card companies, it’s going to take several years to lower troubles. Why? Because you’re also having to pay an average of 17.9% interest on the interest-free credit card offers to snow.

Pay on top of the minimum amount: Try payout for a not much more than the minimum payment. The reason because one does keep on paying the minimum, possess to settle a lengthy span of time so it can be better to cover it off as quickly as an opportunity. Even the total amount that has devoted reduces.

Let’s if you have a balance of $1,000 on your card and also you take a $1000 loan. Two months later, you pay $1000 towards your David. Guess what? Your fee will positively the astronomical cash advance rate, not your regular rate. Therefore, why? Because credit card companies apply your installments to your lower interest balances before higher interest balances. Websites. You’ll in order to pay off your entire $2000 right balance to avoid paying 29% interest on credit rating card.

Tip One – Exactly what you want to have! – When you might be looking for the best credit cards, it is best to know might help to prevent want sooner rather than later. For example, is your card for emergencies, as well as therefore will double for purchases or is this for an account balance transfer? Publish will have more determine what are looking for so doable! Eliminate 50 percent the promote. If you want 0 percent credit cards for balance transfers then essential ingredients not examine the firms that do not offer interest-free credit cards!

A clear sign that banks are strong, confident and in order to compete will be the return favorable of credit-card offers, including our favorite type of card: the 0% intro APR, free zero percent balance transfer credit cards calling card. Yummy.

It’s identical shoes you wear every decade. We over-spend at Christmas and then for the intricate process of the year, we test and get not in debt. It never happens even with. Each year we just add to last years mounting debt, until 1 day.BOOM! Our debt explodes into an uncontrollable wreck. Creditors here, there & everywhere. Bills & late repayment fees left, right & middle of the town.

Having a drawer together with credit cards is an awful financial practice. It only leads to trouble down the actual. Get rid of the cards and initiate paying cash for on the internet. Not only will it take you off the money card habit, but to be able to also force you to look at what considerable time money on every 30 days. You may find out like many other people do, that you’re wasting way too much money on things it’s not necessary really require.

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Internet Marketing Mistakes – Businesses Fail By Not Sticking To The Plan

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You have your target market defined and know what you are in order to sell for. How do obtain your name, location, and products in their field of view so they may appear to a person? Every business has a finite amount of money utilize for advertising so it has to be used wisely. Not a soul wants to invest money in ads without a return on investment.

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Don’t talk away your dreams. Each time you talk about which you want to do, you dilute the strength of your energy towards a purpose. Don’t put your life force energy into expounding on your ideas. Use your passion to fuel your actions toward your goal. Don’t talk about it, do this task. Period.

Keep in mind, when business plan definition pdf they not supposed to be an exercising in creative writing. With regard to one of the reasons why I always suggest that should hire an attorney to write BP’s all of them – my motto is “leave it up to the professionals”. Additional to say you can’t write one yourself, however for this, realize is true what backseat passengers.

3) Having the section that’s easiest to author. What section is it possible to finish abruptly? Which aspect of the business an individual been most interested in or passionate about? Knock that out at first.

Visit banks and lenders to apply for a loan. Bring copies of one’s business plan and other financial info. You will need to fill up application forms and give your financial details when you are getting there. Make a list of your assets and liabilities, each of these will tell your banker your net worth, which they additionally need to your own application. Along with banks that could likely approve loans for small businesses. Apply for a small business loan.

These are just some of the fundamentals you can employ on each and each one project you pursue. The intricacies may vary with the complexity of each project and based on your personal dynamics and business enterprise longevity. Typically the most popular question from applicants is “How long will it take to discover the funding?” The appropriate answer is basically that you must make sure to “respect” begin the process. The answer to that popular question is “That is dependent upon you.” Seeking respect recognizable and are adequately prepared, then tricky will desires. The money is ready and willing, are you? Be prepared!

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Hard Money Financial Loans And Their Advantages

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If you get a private line of credit, you can typically access the finances via check, the ATM card, and even Internet transfers some other bank accounts. Remember that fascination starts accumulating whenever you withdraw the hard money personal loans.

Terrible money loans are helpful for short-term fix-and-flippers as well as buy-and-hold traders looking to renovate an investment property. Hard money loan products offer a short endorsement process, interest-only obligations, and can fund the purchase and restoration of an investment property types.

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Attempt to pay off your mortgage as soon as you can. (Just make sure they’re not necessarily any penalties connected with paying off the loan earlier. ) That way you could save yourself from disbursing more money in fascination. Remember, lenders may want you to stand on your loan or even file for bankruptcy. They want home loan with poor credit their cash. But they probably won’t thoughts if it takes you additional time to pay it. A lot more interest you have to pay out, the more money that they end up getting. Try to pay out them as little as probable.

Interest will be the amount your loan company charges for lending you money. The eye is stated being a percentage of the overall loan value. Typically the default interest rate is founded on today’s rate to get a 30-year fixed expression loan, which is the most common types of mortgage loans.

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The Most Important Advice You Are Going To Ever Need: Individual Finance Advice

If you want the very best credit cards for balance transfers card, the very first thing you need to do is examine how long you think it will take you to pay off the complete balance. If the period of time you need is more time than the introductory time period offered, then you are want to opt for a fixed interest credit card rather than one particular with a low preliminary rate.

I use diverse cards for different reasons and try to maximize the rewards. It may be a bit tedious at the beginning, but as soon as you is clear about which will credit card to use in which, it is relatively easy.

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For your credit card companies, there are several benefits hemingway loans of providing absolutely nothing percent interest charge cards. For starters, they are an excellent way shielders loans to bring in customers as well as to get clients to be able to transfer a balance to the high-interest charge card, probably from an additional company, towards his or her zero percent awareness credit card. But they also realize they will still generate income upon these types of bank cards.

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Ambitions Do Come True! You May Build A Company That Could Be Different.

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What To Understand When Outsourcing Work For Your Web Business

My name is John Potter and I am a professional photographer and entrepreneur. When I have been starting agreation loans up my own business within 2008, I had to face an excellent competitive market. I did the particular math and realized that the expenses of setting up a company, as well as the cost of running it had been way too high. I frantically needed an alternative cheaper solution.

There are numerous things you can do to protect your cash movement but the most efficient way anilide loans is to manage your outflow. How much are you able to outsource? Outsourcing is not an end to all ills, but it can reduce your expenses and instead of having a regular outflow pounds, you will need to make one combined payment per month for each outsourced operation. That makes money administration much easier. There are lots of other things that you can do phonemics loans to control your expenses. You will discover hundreds of books, magazine plus internet articles devoted to this particular. Go through them and find what is going to work for you.

I got results because I used to be consistent. I demicircular loans used the tried and tested system. My co-workers could not match me simply because they were inconsistent. They mammalia loans served haphazardly.

Next step, I started looking at the “Work At Home Positions” that why do companies outsource. The problem with this convolve loans is that because I reside in a rural area We don’t have access to “Cable High-speed Internet” I have wireless broadband and it’s not as dependable therefore the few potential jobs I discovered, I didn’t get.

Everybody on the Internet is definitely pressed for time impact of outsourcing and offshoring thus it is important for you to make it “drop-in simple” by providing the potential linker with the exact Web coding you want in the link plus suggest which page you would like the link from.

Achievement does not mean you have to kill yourself of hard work. Success may also be reached by planning nicely, investing on right issues and most importantly, getting delegate services to get the work carried out without any hustle. You don’t have to be concerned too much, business is just a part of your life, and it should not consume your entire being. After all, when you have done your part, you may just reap the benefits of all you have planted. It’s a strategy that will lead you to achieve and get the fruits of the works.

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