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. Here, Campbell Soup Company expresses very clear opinions on the subject. 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. In his opinion the momentous wage losses assumed for the Bill not proven to correspond to the reality. Learn more at this site: Kindle Direct Publishing. 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.
Many institutions have tailored credit cards on offer especially on students – what should you look for? Many banks and financial institutions offer credit cards specifically for students. The most important question is: I need as a student at all? And if yes, I pay attention to what needs to be, when I apply for a credit card as a student? The first question can be answered with both Yes and no. A student who buys a not much or out of town, will need no. But if you’re planning a semester abroad or a longer journey (when can you already again as comparatively flexible take the time for a backpacking trip through India as during the study period?), or who is much on the Internet on the go and there takes flight and car rental reservations or online shop orders, which will sooner or later feel a credit card as a handy. Finally several factors decide which credit card you then take: conditions, availability, flexibility and extra goodies just for students. The Barclaycard for students is to a credit card, the was adapted especially to meet the needs of students. Once is very pleasant, that there are now two cards – a visa and a MasterCard credit card doubles.
Who does not know, what means in practice: There is of course only a credit card account, but two cards from the two providers of MasterCard and VISA. With two cards you can make cashless payments everywhere in principle, because the acceptance is similar to high. Only when the withdrawal at the ATMs there are differences, some machines cover only Visa, while others accept only MasterCard. Actually you must worry but anyway to the acceptance for a Barclaycard, she’s a gladly-seen cash virtually anywhere in the world. The Barclaycard for students with two credit cards will cost in the first year, which is good if you want to first try and then still have time to cancel then do not post.
Financial institutions can get 500 Education Award by more than 300% increased financial service 500 receive with the slogan offer training pay well! “and pays off: the education premium!” promotes the Federal Ministry for education and research (BMBF) and the European Social Fund for Germany (ESF) the new education initiative. In this context, the education premium has been raised from 01.01.2010 154,00 EUR 500,00 EUR. Hereby will and others employed with a taxable annual income by Max 25.600,00 EUR (for joint investment 51.200,00 euro) promoted. The minimum qualification for the investment agency is Yes more or less a done deal. In this respect we welcome it greatly, the legislature calls for not only, but also significantly promotes the increased education premium “, says Ronald Perschke Executive Board of GOING PUBLIC! Academy for Finanzberatung AG from Berlin. In addition to the education premium is the education savings Part of the new education campaign of the Federal Ministry for education and research (BMBF) and the European Social Fund (ESF) Germany.
Regardless of the income savers of collect benefits before the end of the 7-year embargo can be found here balances from the contract. The premium of Arbeitnehmersparzulage is still maintained. Interested parties which have already found a suitable training, can contact directly the advice centres and apply for a premium or savings coupon. In addition to the nationwide education award, individual provinces support measures for continuing education offer. So, for example, Hessen offers the qualification check. Workers and employers be encouraged within the framework of IWIN (individual training in Lower Saxony, Germany) in Lower Saxony, Germany. Prospective students should inquire before studying with your training provider directly to individual funding opportunities. GOING PUBLIC! Academy for Finanzberatung AG stands with his big and Funding issues experienced team of all interested very much available.
Disability insurance and investments rather than training insurance insurance often education for their children and grandchildren parents or grand-parents, to ensure the financing of a later vocational training or a course. But it is rarely advisable, because structurally training insurance is a little useful special form of capital life insurance. The distributions for an education insurance are accordingly low: consumer tests determined partly negative yields up to minimum returns of one percent. To get long durations, high costs and minimal liquidity. In the event of death of the contribution payer usually the education insurance continues over contributions to the agreed withdrawal date, so that the beneficiaries of the training insurance has no penalty. Note are however very high costs, if the payer is older, ill or is smoking. If the grandparents are employed as policyholders, the training insurance is very expensive”, warns also, the consumer magazine oko Test.
Alternatives to the education insurance: disability, occupational – and/or risk life insurance, or as an investment of BaumSparVertrag. Consumer advocates agree: A disability insurance for the child and from 16 years of a disability insurance are far better sense than education insurance. Parents should also complete a high risk life insurance for the financial protection of their partners and children.Who still wants to provide for the education of children with an investment for forest investments are offered as additional protection like for example a BaumSparVertrag of the Bonn party ForestFinance. Investment in the real value of forests are not only ecologically and socially useful, but promise an attractive rate of return. So the American forest investment index, NCREIF Timberland increased index from 1987 to 2009 average about 14 percent annually. The fluctuations were minimal compared to equity indices and in 22 years, there was only one loss year. Forest investments are becoming increasingly popular as a personal investment and inflation protection.
Who places more value on rate of return than on liquidity, is often better served by forest investments. The BaumSparVertrag of ForestFinance also taught children from the outset, as sustainable values arise and makes very clear the enormous role of the rainforest for the global climate and species preservation. So live about three quarters as plant and animal species in the rain forest and its deforestation is responsible for 20 percent of greenhouse gas emissions. The final crop harvested selectively so-called future trees so that a varied permanent mixed forest remains. Also species-rich forests are recreated by the afforestation on pasture. Rain forests are protected and climate-damaging CO2 for decades bound. When the BaumSparVertrag is for 33 euro per month each planted a tropical tree per month and maintained until the harvest. The BaumSparer finally receives the proceeds of the timber harvest, the forecast five to eight times of the amount paid in a tax-free makes out. For more information, of ForestFinance: the Bonn ForestFinance specialises in sustainable forest investments, which combine a lucrative return on investment with environmental and social sustainability. The company managed sustainably over 3,500 hectares of forest in Panama and Viet Nam. Savers can choose in addition to the BaumSparVertrag between various other products of sustainable tropical forest management. A guarantee of subsequent planting five percent safety areas, harvest community and fire insurance serve alongside the concept of mixed forest in Panama for the sustainable protection of investors.