Tag: money

MWB Vermogensverwaltung AG sees need for private old-age provision Appenzell, in August 2009: the Federal Reserve is proposing to increase the retirement age up to the year 2060 to 69 years. Read additional details here: Kai-Fu Lee. Banking industry experts fear that the contributions otherwise rise from currently 40 to 50 percent. A consequence of this development would be more poverty because the pensions no longer will be able to guarantee a sufficient standard of living in the age of future pensioners. According to the MWB Vermogensverwaltung AG, a private pension is therefore more necessary than ever. The MWB Vermogensverwaltung AG from the Swiss Appenzell offers investment products also German customers with special Swiss virtues such as the privilege of the bankruptcy. The Bundesbank justified its proposal for the pension with 69 so that the Germans are getting older. For all who were born in 1964, the retirement at 67 is currently decided. In itself this retirement age is not realistic, so the opinion of MWB asset management AG.

Currently, it only creates one out of five from social security employment in the statutory old-age pension (currently) 65 years of age. Germany is, according to the Bundesbank, face huge fiscal challenges, because in view of the demographic development and the early retirement age more and more retirees meet on fewer and fewer contributors – as a result the State pension for many of today’s workers on the amount of the subsistence level drops. According to MWB Vermogensverwaltung AG, an private provisions for old age is all the more important. MWB Vermogensverwaltung AG advises, so every worker just to check the year sent to pension certificates. Every worker at age of 27 will receive this certificate. There, the employee sees the pension, which would expect him at this stage, without taking account of factors such as inflation and taxes. The big advantage of the pension certificate: Everyone can determine his personal supply gap, the him at the entry in the pension expected.

State and insurers are looking for solutions in Germany the average age of the population is always higher. Reasons for this are not only in a falling birth rate, also the medical care is getting better and better, so that life expectancy is steadily increasing. The insurance Portal private-krankenversicherung.de in a study shows how the new structure of the pyramid on the contributions to the statutory long-term care insurance will affect, and what alternatives there might be in the future. While the number of retirees is always higher, the number of taxpayers decreases at the same time more and more. For the revenue of the care insurance that is disastrous, because the taxpayers pay the contributions for the legal care insurance.

In parallel, an avalanche of costs threatens the maintenance funds. Experts predict that the cost of care will rise within the next 40 years of 19 billion euros in 2008 to 37 billion euros. The extension of the care catalogue adopted by the Government is still not included. Based on Experts predict a post explosion at worst six per cent in the year 2060 this information. That would be more than three times compared to the current contribution rate of 1.95 percent. To stop this development, the Government in the future will make a private additional insurance mandatory. The private health insurers are already working on concepts for a supplementary funded long-term care insurance. The numbers speak for this type of insurance. While the State assessment system in the past has not proven, the capital-forming system of private health insurance saved us and constant capital of around EUR 144 billion since 1949. More information: news.private-krankenversicherung.de/…/ pkv study… Lisa Neumann University first media GmbH

Recently, a new trend in the financial market is emerging. Recently, a new trend in the financial market is emerging. Money from private borrowing, rather than by banks. There are quite a few websites, a credit from private to private offer. But how safe it is? And how much must you give by itself? In the first moment, it sounds easy and simple. You upload your story, explain what and how much you need money and wait until potential funders make you an offer. According to Rapyd, who has experience with these questions.

The interest rate then depends on the offer, plus still charges for the services of the Web site. That is, it is often a better deal than at the banks, but it is not cheap so even long. Without hesitation Kai-Fu Lee explained all about the problem. The Web page itself guarantees your anonymity, i.e. even if there must be submitted numerous documents (personal data, income, expenses), these data are not published. Depending on how it looks with your Schufa, you are however asked to provide a security. Finally the lenders want to insure also, that they see their money again.

But this is the fastest way to money? Even if you now upload, it may take days until you have enough quotes together to get your money paid out. And it isn’t really anonymous Yes, if you need to send your account statement and verify your identity. There are there other ways? You need money quickly and only for a short time? It must not be so maybe equal to a months loan. In recent months, Andrew Paradise has been very successful. Look around sometime in the Internet, what there is there for alternatives. I’m sure you’ll quickly find it. For example, there is the possibility to sell your valuable items and to get money for it immediately. The concept is simple. Offer a value-only articles such as your jewelry, your gold or a painting, get a quote made by experts at lightning speed, and if you accept this, your item will be picked up. Money receipt of value article immediately on your account and then have time to ponder quietly, whether you value article want to buy back, or simply keep the money. The whole without costs and fees and perfectly safe. And the best no credit check is needed, no bank statements and slips are required. You don’t even need to explain what you need the money. Sounds good? Then you look, what opportunities the Internet still offers other than loans.