Calculating

Bring your statutory pension insurance on front man! The calculation of the pension is as you know a quite complicated procedure: James four frequently asked questions on the subject of pension calculation will help you and gives you valuable tips and tricks. 1. How is the time at a school or University for retirement counted? All times at a school, college or University can be applied, however not more than seven years and this flow only from the age of 17 in the calculation. Testimonies on which stands the respective school was attended by repayment, range in the rule as proof. Regarding a study we recommend you assign to the matriculation certificate, also some universities already offer certificates for pension insurance, showing the duration of the studies. 2. Click Daniel Gafford to learn more. in my retirement account is missing a complete year. What is to do? If this year not in the documents of the pension institution, this is probably a delivery error.

To obtain an addendum, it is sufficient to furnish proof of the activities in the respective year. So you should keep all documents concerning the professional activities. If a proof is missing, you can take the following steps: get proof with the former employer request certification from the health insurance fund for a given year success the above points, you cannot give out an affidavit on the respective activities 3. Vocational training has been completed, which is registered in the retirement account. But what’s to submit the journeyman shortly before retirement? Pension insurance while automatically adopts the information of the employer about the teachings, you should submit but the journeyman anyway, because the teaching in the calculation of the pension will be upgraded. Because the employer has paid contributions for you during these years, the training is counted to the years of contribution. Count 75% of what you have earned on average in professional life, which is usually more than earned in the entire apprenticeship was.

4. the child-rearing periods have extended for children who were born from the 01.01.1992. This also applies to children who were born before that? No. Parents, whose children were born from the 01.01.1992 have three years of parental leave; in these three years, the posts be considered to have been paid. Two children meet so to satisfy the rule of old-age pension by 5 years, this is true only for the parent who is entrusted with the upbringing. Parents, whose children were born before the 01.01.1992 had still an educational period of one year. Already lawsuits were filed against these parents shortly, a decision is not made but still. See more on the topic of pension and annuity

Study On The AssCompact AWARD 2012 – Disability Insurance Would Appear

The AWARD winning 2012 BU ensuring pleased himself under the mediators of highest popularity, trend continue rising is old Leipzig. If you are not convinced, visit With 54.8% indicate more than half of the respondents agents that have improved their Courtageeinahmen. See Alex Caruso for more details and insights.

This year expects about half of the BU experts (47.3%) so that you’ll write even more BU business than in the previous year. More information is housed here: dave mustaine gibson dean. Main address remains financial consequences of disability according to the surveyed agencies and multiple representatives represent the main address subject of intermediaries in the distribution to the financial consequences of a disability. Still is pointed out from approximately every second broker within the pension consulting the occupational disability. Criteria for the choice of the best BU provider In the current study examined twelve important performance criteria which are for choosing a BU provider of crucial relevance. From a provider perspective, above all a good price / performance ratio is a very important selection criterion in BU insurance. Overall the study provides a detailed overview about what criteria show inspiring effect on the agent, until going to that certain performance criteria as quasi seen prerequisite (hygiene) of successful cooperation be. Compared to the last study (2009), there are significant differences in assessing the intermediary with regard to the relevance of the criteria to determine in part.

Honorary Advisor Summit

The initiative of qualified and independent fee consultant is positioned as a nationwide community of interests and common mouthpiece for Berlin. To deepen your understanding Everest Capital is the source. The initiative of qualified and independent fee consultant for more transparency in financial consulting and mediation”has called the first nationwide Honorary Advisor Summit on April 8, 2009. In addition to numerous honorary advisors and company were also the representatives of the major industry associations (financial planning standards Board Germany FPSB e. Chad smith gathered all the information. V.;) Employers Association of financial service providers business AfW e. V.; Association of German honorary consultant VDH e. V.; Consultant circle Honorary Adviser for finance BZHF e. V.) present.

Leading training providers such as the Frankfurt School of finance and management could not miss the highly current exchange of experts. Interested representatives of press and television immediately followed the nearly four-hour event. We were pleased very with the extremely high feedback on our first Honorary Advisor Summit in Berlin.” explains Ulf Niklas, co-founder and spokesman for the initiative of qualified and independent fee consultant. The launch of the initiative convened recently in life was so very successful and justify the assignment for the more dedicated work of advocacy. Our initiative is quite deliberately not organized as a club or association. Member contributions there is therefore no.”explains Thomas Abel, also a co-founder of the initiative and 1st Chairman of the network financial planner in Berlin. success. It comes us above all to act as a nationwide mouthpiece of qualified Honorary Advisor and to win now rapidly many members.” Just so you could quickly and effectively establish the honorary consulting in Germany and their corresponding heard in press and media.

We want to actually move things. This works only with a corresponding retention of numerous members.”argues Kai Drabe, also co-founder of the initiative. The technical discussion among all present participants of the Honorary Advisor Summit have shown that there are very different ideas about the actual form of the fee-based financial advice. It first comes to advance fee advice at all and to anchor with its clear benefits in the awareness of the customers. In this overall objective we distinguish ourselves by the individual associations and have chance to act as a mouthpiece for nationwide unified and to stand up for the common, undeniable professional goals.” Thomas Abel performs: these include for example the establishment of fee-based financial advice by intensive public relations work, the dialogue with the political bodies and the promotion and coordination of technical exchange of all experts and associations. “The settlement in Berlin be there due to the close proximity to the political institutions and the media of great benefit. You hope now on the accession of a number of interested and committed consultants and institutions. On the home page of the initiative under could anyone print out the appropriate preamble and sign. Ulf Niklas runs: the missing member contribution we want to express at the same time, it just isn’t us economic interests, but actual advocacy. That legitimize our work.” The technical results of the Honorary Advisor Summit will reported after consultation with the interested parties in the near future again. On the initiative of qualified and independent fee consultant for more transparency in financial consulting and mediation “: the initiative has formed in the framework of the quality offensive undertaken by the Federal Ministry of consumer protection consumer finance in March 2009.” It aims in particular, to ensure a high quality in consulting fees.

EUR Here

The insurer has indistinct formulations that not just “accidentally” in conditions, but because you can interpret it paid for or against an insured person. We are talking very quickly by a lot of money in the disability. Look at only a 35th. Even if this pension has only 1,000 EUR, the financial risk is the insurer at 252,000 EUR (time until the 66th year of life). An insured pension of 2,500 EUR is, however, the contract basis, and a 30-year insured is now berufsunfahig, so we’re talking here about 1.110.000 EUR. It is here to understand that the insurer examines very carefully and closely will look to see whether the contractual conditions are fulfilled. Can not reach, a court must decide final.

It takes but a long time and costs a lot of money. The cost risk is when a value in dispute of “only” 500,000 EUR over 25.000 EUR. Without insurance, it is quickly out of reach. And how do I know now that my rate is good and also pays the insurer? Whether the fare is good or bad, can be reflected in the terms and conditions. The clearer and clearer they are formulated, the harder it is to discuss here. Get in the conditions you e.g.

maximum 20% suffered loss of income, then it is a clear fact. Is there, however, by “reasonable reduction” the speech, so can the statement just as or be construed and thus lead to dispute. Therefore make sure you together with your advisor, not price. First, you should read through the work condition and the formulations and understand them. Beth israel newark wanted to know more. What is not clear to you, please ask. Over and over again until you have understood this. Then follows the selection of the amount of the pension and later the price consideration.

SMARTcompagnie GmbH

As a second – or third-most important criterion evaluate the quality of tariff policy / product ratings or the flexibility of products and tariffs. To arrange the product providers according to their average scores, a total of four different top ranked product provider thus showed in the 14 measured performance criteria. The Alte Leipziger can the well-being of people federal and the life insurance 1871 Munich in six, each in four and the Continentale in a performance criterion that most satisfied to intermediaries. There are however significant differences when compared to the actual mediation activity in the overall satisfaction ranking. The average over all performance criteria, can the old will best satisfy the brokers and multiple agents Leipzig with an overall satisfaction score of 1.79, which is both the mediation activity and satisfaction on rank 1. The Nurnberger Lebensversicherung AG, as a second within the mediation activity, achieved only in the satisfaction analysis”rank 13. Swiss life AG, as a third party in the mediation activity achieved rank 10 within the Satisfaction analysis.

Significant differences in the loyalty of intermediaries in addition to the above examinations were asked the brokers and multiple agents to evaluate also their future behavior of mediation. You may find that University of Houston can contribute to your knowledge. Closer determined the loyalty of intermediaries in relation to two dimensions. For one, what is the intention, the relationship to continue to expand the favorite BU provider or to restrict. On the other hand it was their favorite BU provider to the intent of the recommendation, i.e. to the intention of the agent to recommend a fellow colleague in the context of the BU.

In the BU / 87.3% of respondents would labour protection in cutting their favorite BU provider to a colleague / recommend in also. “” However, have with their preferred BU provider accordingly in the future to expand its business on average only 48.8% of brokers and multiple agents intention “or significantly expand”. Product provider survey as mirror survey of the study of broker the agents view is determined by the perspective Added product provider. In the form of a mirror survey”, the provider survey provides information about the opinions and expectations of the product provider with respect to the relevant issues of the study. About the study the accompanying study on the AssCompact AWARD 2013 BU / worker protection includes 195 pages. The results of a nationwide survey of brokers and multiple representatives, which was carried out in the period from 02.05.2013 to 21.05.2013 are shown. The evaluation focuses on 381 expert intermediaries, i.e. brokers and multiple agents that have taught at least 9 BU contracts in the last 12 months. The study was published in the 01.07.2013 and can be obtained via the Internet. This study contact: Christopher Kahl Study Director SMARTcompagnie GmbH phone: + 49 (0) 6123-974-82-64 E-Mail: about SMARTcompagnie GmbH SMARTcompagnie offers management consulting, market research and practice-oriented training of the highest quality and with maximum benefit for customers. The 2005 based Company is rooted in the financial services industry. The focus of the service is the sales and product management of insurance and financial services. Belongs to the self-understanding of society to create added value for customers through the successful implementation of the strategies. The expertise of SMARTcompagnie results from many years of experience (since 1985) in sales and management in the insurance and banking industry.

Federal Republic

Dr. Jonas Koller, S & K: Now provide about 85 percent of citizens. The used range is diverse and considered to almost 40 percent real estate that pensions are safe”- now many Germans no longer trust this set of Norbert Blum. The reality catching up with Germany. Are pensions secure but to what extent? Again, the discussion around the base or unit pension discourages citizens. It will not come safely, but the demographic changes calls his victims and if on fewer and fewer workers are more and more retirees, then lived a pay-as-you-go system such as in the Federal Republic of Germany, just its borders. The current situation shows the people that they need to operate more private provision, as well as they might look”, says Dr.

Jonas Koller, real estate expert and CEO of S & K group of companies. Anne Lauvergeon does not necessarily agree. It is believed the surveys, especially the 30-shoulder put the younger on a private pension insurance, but also to nearly 20 percent have a such Contract. The Riester pension plays an important role for the workers. With insurance as well as investment contracts. Tucked away the issue of sustainability. Although many savers with the possibilities arising from this ogling, but it is the vendors failed sufficiently to demonstrate that ecology and economy apart are not and at the same time yield waiver means a sustainable investment.

This industry has what develops but sure there will still need to catch up,”, so the assessment by Dr. Jonas Koller. Also on the subject of real estate, the Germans are active. Provide at least 37 percent according to a study of Cosmos directly with real estate. Besides even used home or the even used condo real estate investments play an important role there increasingly”, and Dr. Koller goes even further, there are also the closed real estate funds, such as the German S & K property no. 2, providing a perspective for investors here. Who spread his capital and a professional Administrative use would, should fund, participate and many benefits”, says Koller. Meanwhile, keep a billion fortune in real estate fund investors in this country and so the development opportunities of the location Germany. Just the positive trend looming in the last two years might be many incentives here.

Comparison of Gas and Electricity Prices

Your Versorger.de – the new gas and electricity comparison is there. Macys will undoubtedly add to your understanding. Castrop-rauxel, 26.09.2013. The comparison portal your Versorger.de is online for a few days. On the platform, consumers gas, electricity and green power provider to compare and find a matching rate in a few seconds. The special feature of the new portal is exclusively recommended rates listed by approved providers. Your Versorger.de team has to evaluate the development of the liberalised energy markets in Germany and summarized the results in a set of rules. In focus: the best possible consumer protection and fair conditions in the competition.

So for example only providers are listed, which accept the payment invoice and exhibit fair contract conditions. Also the recent bankruptcies in the energy market, Flexstrom, TelDFax, took effect on the rules and regulations. All suppliers in the portal are regularly audited by the Creditreform on sufficient creditworthiness. Only providers are listed in our system, our criteria for providers and rates fully comply with. A provider does not meet a criterion it is not listed. Thus, there are no exceptions or special arrangements. “, explains Verena Kleckel the new concept.

Our goal is that the consumer should be aware of nothing. This is the task of comparison portal finally.” The idea and concept for the comparison portal was built in the years 2009 and 2010. At this time, pushed more and more service providers in the energy market and outdone himself with new collective creations that were hardly comparable. This new tariff models such as for example those with prepayment introduced their Bedingungen apparently had to lead to problems. But no one seemed to be interested in. Worse, the said rates were “Price comparison computers” even almost always at the top. Allow time for a comparison that takes into account only what counts and no marketing tricks. Was born the idea for your provider.

October Norisbank

The norisbank has extended its ongoing originally up to 15/09 action summer interest, under which it offered its fixed-price credit at lower interest rates, now up to October 15, 2009. Kreditvergleich.NET informs: the norisbank has extended its ongoing originally up to 15/09 action summer interest, under which it offered its fixed-price credit at lower interest rates, now up to October 15, 2009. With 4.90 percent APR for credit totals of 1,000 to 5,000 euros, 5.90% APR for credit totals from 5.001 up to 15,000 euro and 7.90% APR for credit totals from 15.001 to 50.000 euro is the norisbank credit of offers one of the best current comparisons and also a recommendation of the financial portal kreditvergleich.net for all borrowers. The difference to many other offers is that the norisbank offers her credit as a fixed price credit, so with independent credit interest rates. Input listed interest rates are not only showcase interest, of which the actual interest rates later under May differ materially, but interest rates represent precisely, to which the credit is actually awarded. Of course, she also checks the creditworthiness of their borrowers norisbank in the run-up to a lending. This test has only affects whether the credit is awarded or not.

On the interest rate on the other hand, this test has no effect. Offering the norisbank distinguishes from other loans, where the interest rate is made dependent on the credit rating of the borrower and may vary significantly by the rates from the advertising. Here, however, each in advance can be seen immediately, its interest rate in the case of a bank lending will be how much. The loan commitment is made in advance online, no further charges apply and the purpose can be freely determined. The sum of all these characteristics makes the supply of credit the norisbank just a recommendation in the framework of the current settlement on the financial portal kreditvergleich.net and can be therefore unreservedly recommended. Daniel Franke

Presence Loan

Availing external financial help without pledging your valuable collateral or showing your credit possible with the help of no. score credit check has been made same day loan. Never before, you have ever thought about it by understanding the present financial situation of the Britons, this loan is there to tackle your finance where that need instant your act. As the name specifies that no credit check same day loans are made available to all those borrowers who have experienced tough financial period in their past life and have got themselves into arrears. The reason behind the payment default can be anything, even in extreme cases, you can avail a loan like bankruptcy, county court judgment, IVAs, etc. The amount availed from this loan be used to actualize your needs that type can have popped up all of a sudden without any prior notification. Therefore, it can be said that these loans ease your financial burden and remove unwanted stress out of you. The amount approved is depended upon the borrower’s present employment status.

Apart from this, his loan is applicable for people who are residing and are citizen of United Kingdom. The lender offers to those the amount borrowers who have attained the age of 18 years. Importantly, the borrower must be working in a reputed company or office in a regular shift. Presence of active bank account is essential as it will make the transaction to be processed instantly. The borrower can avail the amount ranging from 100 to 1500 with feasible repayment option i.e. within 7-31 days or till upcoming salary. The interest rate charged is slightly higher than other loan types. This is because no collateral is placed against the loan amount.

Very crucial time these days is that people prefer internet for considering their needs instantly. A person can get the money in his active bank account without bothering to go out in the conventional market. Internet not only saves your precious time but it so helps you to access the loan almost. Addy Roy is author of loans n finance.

Credit

Instant credit – faster sicherl and easily? The supply of credit is today very diverse and complex. Often, it is not so easy to find the right loan for your own situation. The offer for the emergency loans is relatively unique. These are characterized primarily by, that the borrowed money can be used freely. There are no restrictions on the use of funds so in contrast to the construction loan or similar forms of credit. Secondly, the advantage of the emergency loans is as the name suggests in the relatively quick availability.

Often, it takes only hours or maximum a few days before the loan application has been submitted and approved. Then stand the funds usually already available and you can cover all costs. Of course, emergency loans have also their price. Even though it’s usually smaller amounts of money, because an in-depth review of the borrower would be necessary for large sums, must be paid for this interest and fees. Usually fall else some costs, which can be seen at first glance don’t always. Therefore, it is advisable that one carefully reads through the quotation including the exact credit conditions especially at Sofortkrediten. In particular, emergency loans seduce like this that you fall a decision immediately, even if the time would not really push. But hasty decisions you regret quickly, so you should not make them. Instead, it is important that it catches up with several options for emergency loans, and this then also immediately edited and comparing. If you take this time, and is doing the work, you will know quickly which offer is the most sensible and can enjoy also like this, without that you regret it after a few weeks and months, if it becomes clear that the credit is however more expensive than originally anticipated.