Tag: insurance & pension

The reasons for concluding that pension insurance against one-time payment the big difference of the Sofortrentenversicheurng to the private pension insurance, as most know it: Instead of regularly to be save the contract, you pay once a fixed amount in the contract. The pension insurance undertakes in return to pay you off a lifelong pension. The saving will be deposited so, that last a lifetime a secure pension is payable, which may rise by additional surpluses and ensures a return commensurate with the security at the best sellers. A pension guarantee period is possible: in the case of the pension for an agreed period of usually 5 to 10 years will be paid even if the insured person has already died: so can provide at the same time the family or partner. The big advantage compared to Banksparplanen: A Sofortrente is safe for life.

Unlike as with the sampling plan it cannot you happen, that the capital is consumed at some point and you can treat yourself no more pension. Enjoy tax benefits tax is a Sofortrente. You must pay tax on only the low income portion of the pension age. It is a retirement age 65 only 18%. In other words: in a personal tax rate of 30% go of 1,000 euro Sofortrente just 54 euros to the tax authorities. Another plus: If you create capital in the age, to it on their own to pay a pension, you have to pay 25% tax on the investment income year after year.

To avoid this tax at a Sofortrentenversicherung, because only the paid pensions with the small amount of income is taxed. You get wish you the Sofortrentenversicherung as Rurup pension a State promotion closed, secure themselves a rich more. Because you can claim then tax payment up to saleable maximum of 20,000 euro and 40,000 euro (single/married couples). Currently, so a tax bonus of up to 12,000 euros can be secure. For this you need the lifelong Taxable pension but with a higher rate, which currently stands at 62%. But it is important that you get a really good insurance: for a Sofortrentenversicherung, use this calculator to get the best deals. Thus, you back up a Rentenplus that can amount to several thousand euros. Different variants to choose the pension insurance against a one-off payment are 3 options available. First of all the constant pension. Here it is agreed that the pension is permanently stable and no longer increases. Traps can, however, already, namely the generated surpluses no longer sufficient to keep the pension level of previous years. Different dynamic pensions: when an once reached pension sum must no longer fall below, get the pension of generated surpluses does.

Sale-and-lease-back polished up the balance sheet and creates liquidity Munich, 10.3.2009 – who wants to finance investment or growth of a loan today, is not just preaching to the choir with the banks”, Patrick G. Weber, Managing Director of the operative leasing companies of Vantargis says group. The Munich group of companies offers alternative approaches and puts companies in order to generate liquidity from existing resources. If anything, there is”the credit thanks to Basel II and financial crisis mostly to high-interest, know Weber. But where will the money for the company’s growth come then? The solution is often found in the company itself.

On the assets side of the balance sheet reveals the solution: in real estate and machinery bound equity can be used nowadays easily thanks to sale-and-lease-back. Sale-and-lease-back will bring liquidity and game room the company sold initially used, mobile assets and least it back then. Ian Cole oftentimes addresses this issue. Especially This alternative is a smart way to improve liquidity for the manufacturing industry. Because the sale-and-lease-back is mobilized assets; It allows a liquidity and income sourcing from the substance of the company. Often one can discover also significant hidden reserves from capital gains. Or the object is purchased at book value. The risk for both sides is low, because the high value falls by new machines are no longer relevant.

The cash inflow from the sale proceeds and achieved extraordinary income open up broad new leeway companies”, explains Patrick Weber. Sale-and-lease-back is also tax advantages. Because the leasing costs can be as operating expenses tax claimed, which is not the case with the Tilgen loans. So, the monthly leasing fee reduces the profit and thus the taxes to be paid. This financing instrument has analogies to a repayment loan, bringing the Take a number of additional advantages”, says Weber. The necessary loan guarantees remain untouched, the balance sheet total low and get the credit. In addition, we ensure a quick funding without long processing and decision-making times at Vantargis.” Profile Vantargis AG Vantargis AG is the independent German less for the upper middle class. The range consists of leasing, factoring and debt solutions, as well as selected corporate finance services. The focus is on medium-sized owner-managed companies. The Vantargis group currently comprises AML’s medium-sized leasing companies Leasing GmbH, Sigma Leasing GmbH, and active) lease Vantargis finance GmbH and the factoring company Vantargis factoring GmbH. Also provides the Vantargis Wabeco finance GmbH consulting services regarding public funding and grants. Questions and additional information: Vantargis AG Widenmayerstr 28 80538 Munich Sebastian Seibold Phone: 089 2429373-17 E-mail: Web:

It offers you the ideal combination of a mortgage loan with fixed interest rates and flexible repayment support insurance products. Where is your personal safety in the first place. The blue vest equity residential dream financing it offers you the ideal combination of a mortgage loan with fixed interest rates and flexible repayment support insurance products. Where is your personal safety in the first place. How does the living dream financing work? With the blue vest equity residential dream financing can finance one – and two-family homes, condominiums, as well as plots. Ideal also for facilities. In a question-answer forum Mikkel Svane was the first to reply. Requirements: to get a mortgage loan, you will need a repayment vehicle. That are for all life insurance, classic life insurance, unit-linked life insurance, etc.

Life insurance is calculated so that premature demise of the policyholder is covered or can be guaranteed through a risk insurance financing. ISearch may find this interesting as well. Choice of fixed interest guarantees: Choose between several low fixed interest variants (up to ten years warranty period). The amount of interest depends on the extent of the guarantee and the duration of the bond. This agreement provides you with a fixed cost estimate for reimbursement and a protection against rising interest rates. Early repayment of the loan: in the blue vest equity residential dream financing we offer you an Opition premature redemption. With this unique customer benefit we provide you highest possible design for the repayment of the loan. John p Branch Manager for the blue vest equity financial management Ltd published on:

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. 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. Andy Florance wanted to know more. 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.

Read what there to observe and remember is still little more than a week, then ends the month of September and thus the last opportunity to cancel his statutory health insurance (GKV) for a change in the private Krankenversicherung (PKV) in 2009. Here, I already had to the General Kundigungsmodalitaten, minimum contract periods and Fristengebloggt. However, because this question is asked over and over again, even to the end on the basis of a concrete example. Max Muller is currently insured as a voluntary member of the statutory health insurance and want to leave like this to change in the car. Here the question arises first of all when it goes. (Not to be confused with Charlie Kirk!).

A notice at the end of the next month is possible according to the regulations of the social security code V. In our example (with termination in September) to the 30th of November. Why is the September so important, because if it always goes? The contribution in the car on the basis of personal factors like age and State of health calculated differently than in the statutory health insurance. Therefore, it can only from premium point of view be useful to switch (so 1 12.) in 2009 in the PKV. The age is calculated from the current year minus birth year mostly flat. So, attended the 30th 12th birthday, so you are classified at the beginning of the year with the higher age (what you really only end of December) and the premium charged then. What to do if I have no car, it change my me or no picks me up? The insurance obligation of principle “always terminate if one has taken the new” (for GKV changer) no longer. You cancel the voluntary GKV today membership, this will only take effect if a Member certificate is presented to an other GKV or PKV.

This includes the paragraph 175 (4) following regulation: the termination takes effect when the Member within the cancellation period can prove a membership with an other health insurance through a certificate of the Member or the existence of other protection in the event of illness. You prove this, it is Membership continues. Apply the even when changing from the car? No. Here should pronounce only a termination in any case, if there is the written acceptance / policy of the new company. Do not rely on representative statements “we can do that already” or “I’ve got the advance commitment”. Only the written agreement is binding. Otherwise run the risk only in the base fare to come. So what to do? You are in the statutory health insurance, to cancel your statutory health insurance prior to the 30 09 (input, at least by fax from the health insurance fund) (if there is serious change of interest in the car). Are in the car only after new commitment. If necessary, a special termination right in post adjustment reaches into your contract. Whether switching from PKV to PKV ever is sinnvol, must be tested for selection and evaluation of your personal criteria.