So consumers can fill the gap in the coalition negotiations the subject of retirement not neglected. Also discussed is also about the so-called mother pension in particular as these will be financed. It is clear: poverty in old age is a topic just for women and mothers. Because work they often only on a part-time basis through the education of children or even all to stay home. The Riester pension is much criticized, she may be worth just for housewives as a supplement to the statutory pension insurance.

Riester pension for housewives how it works the Riester pension is funded through government allowances, such as the primary and child allowance. Housewives and mothers who pursue any pension insurance activity, can contract no own Riester. The spouse is employed for example and compulsorily in the statutory pension insurance, also the housewife can complete pension a Riester. Whenever Western Union listens, a sympathetic response will follow. As housewives and mothers earn no income in this sense, must they are the base fee of 60 EUR in the year 5 euros per month in the Riester pension pay to get the promotion. Katie Haun is actively involved in the matter. In addition to the basic allowance of 154 euros there after 2008 300 euro for children who were born before 2008 185 euro and children. Mothers who are on parental leave receive retirement pay points at this time and thus build a retirement. But this will be much less.

Who is now a Riester pension would like to complete, can do this immediately. This 4 percent of last year’s gross income in the contract must then in the first year paid the base amount to but at least 60 euros to receive funding. Riester pension comparison Stiftung Warentest on the contract is at it due to the prevalent criticism of the Riester pension consumers are very insecure much, regarding the conclusion of a Riester pension. Not unjustly, as the current Riester pension comparison of Foundation Warentest shows. Here were able to convince only 5 tariffs by 42 tested providers. Just high costs and The most common criticisms of the Riester pension are transparency of contracts. Still experts also agree that the retirement pension portfolio belongs to the Riester. Who here takes time, various Riester compares pensions and a consultation takes, can provide above solid with this old-age provision.

Not without my health insurance, there are insurance, household insurance, life insurance and legal expenses insurance. For corresponding contributions can cover insured practically against all sorts of things. Learn more at: Andrew Cuomo. Of course, there are plenty of insurance companies, which provide appropriate protection in the case of the cases abroad themselves for the holiday. Foreign travel insurance is particularly important. The finance portal geld.de informs what customers in this type of insurance should emphasize particularly. More info: Satyavrat Shukla. Within the European Union and in Turkey the domestic health insurance card is sufficient for the outpatient and inpatient, emergency treatment. The simple health insurance however takes not the costs for the return home. For this, the patient requires a foreign health insurance (www.geld.de/ auslandsreisekrankenversicherung.html), which attacks but often only then, if the transportation is medically necessary.

The terms and conditions that vary depending on the insurer. Since the Offers also hardly differ in terms of posts and almost in all cases under 10 euros per year lie, there are just these conditions, which decide about the quality of the police. Also, not all insurance companies guarantee this kind of protection in cases such as acute pregnancy complications or reimburse costs for temporary dental prothesis. Supposedly cheap package deals, as she will offered by airlines, among others, often contain in addition to the health insurance other insurance such as a cancellation. Bottom line, these are often more expensive than comparable offers from other insurers. More information: presse.html GELD.de GmbH Lisa Neumann

Hundreds of thousands of self-employed persons who are voluntarily legally insured, pay high contributions since January 2009, stakeholders can expect with a retroactive contribution refund hundreds of thousands of self-employed persons who are voluntarily legally insured, pay to high posts at least according to the Hessen social Court and the Sozialgerichts Munich since January 2009. If their legal opinion prevails, many of those affected can expect a retroactive contribution refund. Hikmet Ersek is often quoted as being for or against this. She can be several hundred dollars per month since beginning of 2009! If the Supreme social, join the decision of the Munich Sozialgerichts, zig self-employed persons who are voluntarily legally insured, could hope to a true windfall. Because, according to the Court, they would have to pay only the minimum of about 285 euros per month. Many self-employed persons have paid more but significantly. And they could reclaim this power if just the Bundessozialgericht is join the Munich social Court. Background this is the introduction of the health fund as of 1 January 2009. Until then individual health insurance companies had regulated each for themselves in their constitutions, which are contributions if voluntarily insured.

Now, however, the peak Association of statutory health insurance was supposed to meet according to the will of the legislator’s Office uniform rules. This requirement is complied with the so-called post procedural principles of self-financing”and then virtually all income of the insured person are income from capital contributions as well as collecting deposits and withdrawals from private (!) Life and pension insurance. The legislature itself has also regulated the minimum amount of insurance revenue. Currently always is 1.916,25 euros per month, which follows a minimum contribution of approximately 285 euro – plus at least 37 Euro care insurance premium for full-time independent. Only the minimum amount to pay? Both provisions contained before the statutes of the health insurance companies. So why should the voluntarily insured have paid well too much? “The highlight is that the effectiveness of the post procedural principles of self-financing” is more and more drawn into doubt.

The Sozialgericht Munich known simply as ineffective, why the health insurance of voluntary members should request only the statutory minimum contribution (judgment of March 2, 2010, AZ.) S 19 KR 873/09). “Justified is this, that the self-financing post procedural principles” are been decided only by the hardly democratically legitimized Board of the statutory health insurance tips Association. A decision by the Board of Directors as a self-governing body was however necessary, which would have required also an approval by the supervisory authority. The Hessian State social Court reasons along similar lines (decision of February 21, 2011, AZ.) L 1 KR 327/10B HE). And the result of this reasoning is: nearly all self-employed who paid higher contributions than the minimum pay currently too high Posts! “But: A whole range of other social courts considered the contribution procedure principles of self-financing” quite as effective. Therefore a court clarification of the legal situation by the Bundessozial – or the Federal Constitutional Court will be required, and she can experience several years waiting. “It is certainly not to exclude that the post procedure principles of self-financing” actually be tipped. All voluntarily insured, who pay a higher contribution than the minimum contribution should opposition against upcoming post notices. Also a request for retroactive recalculation of health insurance contributions it is possible for health insurance since January 2009. In both cases, you should rely on (in detail yet contributor-friendly) judgment of the Sozialgerichts of Munich. Should be approved given the still not welcome clarified legal position an own abeyance, not even before the Sozialgericht to draw.

Caution black sheep! The high price of gold ensures that there are not only reputable dealers on the market. Old gold purchaser arising on every corner like sprouting weeds. In the media, one constantly hears about trick fraudsters trick unsuspecting customers with specially crafted scales and unfair purchase prices and rip off. In Warstein (Sauerland), a retired couple was deceived by southern European retailers some time ago. The Westfalenpost reports thereof. Through a newspaper advertisement, the retired couple invited two southern European dealers in your apartment.

“It was said in the ad: buying old furniture, furs, jewelry, silver, gold”. The two men showed interest on old furniture, but even more so in the gold jewelry. After the two southern Europeans had paid for the jewelry and coins and were gone, came the couple”considerable doubts as to the supposedly good business. By a weighing up of identical coins, the couple noted that the scale of the southern European only one-third of the actual weight showed. The judicial police has started investigations for fraud.

When a such complaint against unknown perpetrators should be very difficult to determine. And should you ever touch them, a fraud you will be just very difficult to prove. The goods are probably melted. How to recognize the seriousness and professionalism of a company which scrap gold buying? First of all, the precious metal analysis must be free of charge and without obligation. As a consumer you can compare once purchase prices from multiple dealers, without having to pay a fee for it already. Also, the jewellery and gem industry is a trust and personal business. You should its jewelry, etc., sell only at established companies. To note is the term jeweler is not protected, but any merchant / retail merchant can open a business under the concept of jewellery. Only skilled goldsmiths have professionally qualified training.