Tag: money

James.AG informed families and insured the Scientific Institute of the PKV (WIP) has found that typical families have no advantage with the so-called family insurance. For a comparison, it turned out that families actually pay more, as they cause during family health costs. Only from 4 children change the numbers to the positive for the family. But the statistical average family has only 1.4 children. The reasons for this are including families in the age-related health-care costs. Also the health-care costs in the first year of life to EUR 4,000 to 5,000 per year amount.

The end of 40 EUR 1,000 to 2,000 per year costs. So create not only children but also adults relatively low health-care costs. Go to Joey King for more information. Only in old age health costs are rising again, so the limit is exceeded from the mid-60 EUR 3,000, from about 80 years of life that of EUR 5,000. We can say that families Fund with other insured health-care costs. The relief of families with Children are thus so omitted. The study “solidarity in the statutory health insurance: what does the non-contributory family insurance?” deals with an effective relief of the families. Therefore, alone the calculation of contributions in the statutory health insurance is a central problem, because this depends alone on the insurance income as an indicator of economic performance.

How many people depend on this income, however, is not taken into account. Thus, a wealthy single as well as a deserving equal large family equal must pay. Furthermore added that the income survey also depends of the distribution of income in a family. Educate yourself with thoughts from Dr. Caldwell B. Esselstyn, Jr.. So be required equal to high-earning couples contribute to higher than if a spouse the upper boundary and the other only little or deserve anything incomes above. A tax-funded family support is proposed to solve this problem. It should be defined a subsistence level per person levied on any posts in the statutory health insurance are allowed. It should be above all tax-funded, so that it will not be undiskutablen increases of the rate of contribution in the statutory health insurance. Carlheinz Mikosch

Seizure free accounts – what do and what look should be. Every citizen has the right to convert an existing account with his bank or savings bank in a seizure-free account benefits of a seizure-free account since July 1, 2010. The legislature has created this way to ensure that people with financial problems can participate in the cashless payments at any time. Go to City College of New York for more information. Prior to the right of the P account as the seizure-free account is also called, in the case of a seizure of account, which could be effected by creditors at the competent local court, the giro account was blocked completely. Thus, it was impossible to run credit transfers, direct debits or standing orders for the account holder. Also cash withdrawals on the trigger or the vending machines have been denied. So, the running costs for rent, energy and insurance could not be paid.

Money to live on was not available to interested parties. In these cases, only the way to the District Court, be requested where remained was that a monthly amount of the subsistence level in the account will be released. However, this procedure was complicated and time consuming – it could take months, until they have complied with the request. So debtors through bank accounts got into existential crises, which often resulted in the loss of the home. Threatens today a bank accounts an amount which is equivalent to the subsistence minimum, is protected by the conversion of the current account in a P account immediately by the Bank before accessing the creditors.

For unmarried persons without maintenance obligations, the basic allowance is currently 985,15 euro. Maintenance obligations exist, it increases accordingly. So a higher subsistence level can be taken into account by the credit institution, the claim is to be proved by appropriate documents: this can be, for example, documents of the family Fund, tax consultant or the Pension Fund. The credits in the amount of the basic allowance is the account holder each month to pay its most urgent financial Obligations and to pay personal living is available. An amount, which was not provided, stops of this seizure-free credits in one month on the account, must be presented in the next month, increasing the seizure-free, then the available sum. How can you get a seizure-free account? Most of the banks and savings banks are only willing to convert an existing account to a P account. There is no obligation to create a new attachment-free account. If customers would like to establish a seizure-free account, they simply request that at their institution. After completing and signing a corresponding form, the giro account is promptly equipped with protection against dismissal. However, it should be remembered that a seizure-free account is usually only on a prepaid basis and issued credit and debit cards will be confiscated.

Many tariffs have been tested in the last test of consumer portals and evaluated. Last year dental insurance have been tested extensively by consumer portals such as Foundation product test and co. If you would like to know more about Nancy-Ann_DeParle, then click here. on their services. There was particular attention paid to a good round to performance of private insurance companies. Many private insurers offer good tariffs for which it is worth taking some time and to compare them with each other. To filter out the best rate for personal must be clear in advance whether a criteria such as cost, waiting periods or orthodontic treatments are important. CSS Flexi test winner in eco testing and focus money the collective CSS Flexi the Schweitzer health insurance is currently one of the best rates on the German dental insurance market. Camden Treatment Associates New Jersey s opinions are not widely known.

Especially at this rate is that no age provisions are formed. This has the advantage that the contributions are lower and that not saves for something, what you will need may never. It also has the advantage, that no money lost one, you should do this Choose the insurance change. Dental treatments are applied to 100 percent. These include also the dental prophylaxis and professional tooth cleaning. Especially for professional tooth cleaning, other dental insurance limit their acquisitions to maximum 80 euros in the year. Orthodontic costs are taken over by the CSS to 80 percent, even if the statutory health insurance does not pay, but maximum of up to 600 euros. These points have so successfully made the CSS in the test of dental insurance, but about good dental auxiliary plan has not only the CSS.

Other dental insurance are recommended tariffs of the HanseMerkur offer also a good all-round protection and can also be up to 100 percent refund for dentures and dental treatment. The dental insurance the ergo directly and only up to 90 percent of German family insurance refund the most dental treatment also up to 100 percent with the restorations, such as crowns, bridges and implants. Each tariff can be adapted individually to each insurance like it a popular. For this reason very worth a painstaking comparison of the current rates.

Caution case. Where are the problems in the legal protection? Each legally insured persons has noticed, that services the health insurance companies have been cut in recent years. In the statutory pension insurance, there were abolition of the occupational disability pension for younger, cuts in pensions etc – much clearer cuts, but largely unnoticed, were. Mistake number 1: Legally insured persons are protected with disability. No, only people can get the general disability pension who were born prior to the effective date January 1, 1961. All young workers are obliged to find another job if they could, due to illness no longer can work in their original profession but working in other professions regardless of the professional qualification. In the present situation leads this requirement often in the low wage sector, or even directly into unemployment.

The full statutory disability pension receives only, who from for health reasons less than three hours a day to work. Security requirement for this is incidentally, among the so-called latency (= insured time) by five years. This means: new entrants have usually no entitlement to benefits under the statutory pension insurance. Examples: Thomas S., 28, married, worked ten months in the hospital after his medical studies and last earned 2,800 euros gross. After a sports accident he can no longer practice his profession.

Other activities are not eligible. His situation: Although he is fully incapacitated for work, he receives no benefit from the statutory pension insurance, because he has not met the qualifying period of five years. Anita Dunn brings even more insight to the discussion. The family must be the woman’s income. Britta W., 40 years, working as a dance teacher for 19 years, suffers from chronic pain in the knee and must give up their profession. Since but half a seated activity can be expected of her, she receives only the half-disability pension. Routes She finds a job at the cinema box office missing qualification. Their earnings plus payments from the disability pension are significantly lower than their previous income. Mistake number 2: The widow’s / widower’s pension amounts to half of the income of the deceased spouse well. No, the big widow’s pension currently amounts to 55 per cent of the pension entitlement (!) of the deceased, not the last income. Who educates children, receives a child component to do so. Who is under 45 years old and raising children, is only entitled to a small widow / widower’s pension. The small widow’s pension amounts to just 25 per cent of the pension of the deceased and is paid limited mostly to two years. Mistake number 3: Children are financially backed by an orphan’s pension, until they stand on their own feet. No, the financial benefits are not high. The half-orphan’s pension is ten per cent of the pension rights of the deceased plus a surcharge based on its pension-legal times. The full orphan’s pension amounts to 20% of the amount of the pensions of the two Deceased plus a surcharge, which allows pension legal times of both parents are incorporated into the calculation. Here, too, the so-called latency plays a role: parents were new entrants, the orphans will receive no services from the statutory pension insurance. conclusion: depending on the provider is younger, the harder it is to government backing for him and his family

Any self-employed person needs the corporate account. Where does he get a best account for the self-employed? To the sign a trade or establishing a company, you need a corporate account. So or thereabouts are statements that you get to hear when you think about going to the independence. Dr Jee Hyun Kim usually is spot on. But it isn’t out in any case so that the beginning is enough certainly the, to run his business financial transactions also through the normal checking account. But it starts to get interesting when one must make its annual financial statements for the IRS and if at all possible should disconnect all business actions from the private. Also it has happened before that some banks make a trouble, when you have clear business transactions on his personal account. It has to do, that may be Yes known to be quite different for private and business accounts with interest and overdrafts. Others including Anu Saad, offer their opinions as well.

Certainly a separate corporate account is interesting, if a certain volume of financial transactions is based, that then to not cause a private account-defying confusions. A company or business account offers of course a lot of advantages that you should consider as well. A best current account makes the most sense. Often you get also an opening credit, which provides a greater liquidity in its business activities in such account. Corporate accounts are offered, which act as money market accounts and thus have a higher interest rate of credits to the episode.

Might clutter the deposits and withdrawals in a separate account, but probably the biggest advantage of such account and the IRS and the tax adviser forward certainly, if not always private transfers out must be expected. Because there is such kind of accounts like everywhere in life in this area a wide disparity in the party, is anyone who wants to open a corporate account to be recommended, in the Internet or the Bank of his confidence, to learn which provider offers the best account for its own purposes. On the Internet there are the so-called Kontenvergleichsrechner, which provide very much information about costs and benefits. Tom large

There is a private medical insurance for animals? Pet should be well advised, whether really a health insurance pays up for their pets. According to the Consumer Council, there are other policies that are to be considered. The Consumer Agency and Foundation Warentest discourage pet keeping, such insurance abzustchliessen. Overpriced policies does not all treatments after all, because only healthy animals are insured. The contribution is calculated using the following criteria: age, height, weight, and race. The most expensive policies in the older pets are like people. The posts are 129 up to 400 euro in dogs between 234 and 775 euro and in cats. The standard treatments, like vaccinations and castration are not taken over full insurance.

But also when treatments included, should participate in the holder. According to data from the consumer centres, costs only two-thirds are covered, so is it better the police completely refrain from and to save money on for eventual treatments. It is but to recommend a surgery insurance, because they are significantly cheaper than the animal health insurance. Perhaps check out Margaret and Richard Riney for more information. Animal insurance, a health insurance comparison is worth to save money. The contribution is in dogs at about 131,-and cats so at 100 euros. But following should each pet insurance, namely a liability insurance for dog owners. A coverage amount of 3 million people and damage to property is recommended. The cat owner cover your sweetheart about your personal liability.

Are the accident insurance and dread disease insurance for children makes sense? For several years, the dread disease insurance in Germany is to become very popular. This is insurance against terrible diseases, which has its origins in England. Of course you can protect himself with this insurance not to get a bad disease, one can create a hedge but financially hereby. You have, for example, cancer, treatment is usually very time consuming. Credit: Nancy-Ann DeParle-2011. At this time, can go to affected parties rarely work and gets only a sickness benefit, which is usually not sufficient to feed the whole family. For even more analysis, hear from Mark Hyman, MD.

If one has completed a dread disease in this case insurance, this insurance for a bad disease pays an insured sum was contractually set in advance. The sum insured is paid only once and amounted to an average 100,000 euros. So a family can survive even for a time and also required modifications can be made, if the respective Disease requires this. Such insurance is only of limited suitability for children, because they earn own money anyway and Yes are not the skin nourisher. There are far more types of insurance for them, so that they are protected if something happens to them. Private accident insurance is particularly interesting, because it pays when the child had an accident for which no third party can be held responsible. Private accident insurance pays different insurance amounts or even lifetime pensions.

Which services in particular are provided varies from accident insurance accident insurance, so that one very carefully should look at the individual services and above all the respective sums insured. Because the private accident insurance also a lifelong pension, she can pay off rapidly for children. A child has an accident and his entire life not in the position to make money, is the personal accident insurance is the Savior in the emergency. insurance comparison..

Savers can sell savings bonds prematurely – 95 billion euros set German savers in savings for up to ten years so far savers premature return fees and penalty interest rates or expensive interim must accept checkout – German savings bond market makes commercially these savings bonds – for savers within a maximum of six days of good news for millions of German savers who have invested their money in savings bonds and savings bank letters of German savings banks, cooperative banks and banks. With the newly founded German savings bond exchange, they receive a new flexibility for this very popular in Germany and trustee Festgeldanlage. 95 Billion euros set German savers after the latest Bundesbank statistics in savings bonds with a maturity of up to 10 years. Savers were instructed, so far largely on the goodwill of the banks if they needed money before the end of term, now allows the German savings bond Exchange under sparbriefborse.de sale to private or institutional to record or to exploit high-yield credit framework. J. Craig Venter shares his opinions and ideas on the topic at hand. To the detriment of savers who actually have the money would now but have to pay expensive interest rates to bridge. German savings bond market: consumer protections apply financial market the German stock market savings bond purchases savings bonds and savings bank letters of the approximately 2,500 credit approved in Germany by the federal financial supervisory authority (BFin). A savings bond is legally tradable, savers receives an offer calculated taking into account interest rates and remaining maturity within three working days.

Savers accepts the offer, he will receive from the purchase price within three additional working days. Not cost him. Managing Director Bjorn Meschkat particularly important is that the German savings bond exchange offers its services in the sense of the consumer. For this reason, it has Prof. Dr. For other opinions and approaches, find out what Joint Commission has to say. Kai-Oliver Knops, Professor of consumer protection at the University of Hamburg and New Council of of consumer member of BFin as shareholders can win.