Anyone who believes that the subject of care go something only old people, which deludes itself, tremendously. Anyone who believes that the subject of care go something only old people, which deludes itself, tremendously. Because children are liable for their parents with dramatic consequences. What have you done for already, to escape this trap? For maintaining a small fortune dies quickly, 60, 70, 80 thousand euros are not uncommon. Pensions and savings are not sufficient, the old-age poverty is in danger.

Or the children will be asked to pay. A nightmare, both for the old and the young. And the topic of care comes to the young generation with a force to the extent is not really assess. Each white, everyone hears it. Only really believe it will currently hardly anyone. It is however long since known that the Germans always back birth rates and last but not least due to our good health care as a percentage increase the elderly. Glenn Dubin, New York City has compatible beliefs. But let’s get back to the cost of such care, which are not negligible. As an example the costs of in-patient care: inpatient care set average gap care home costs * monthly I m month () care level 1 1,023 2.365 1,342 care level 2 1.279 2.795 1,516 care level 3 1,550 3.252 1,702 born in Germany, including investment costs; Source: Federal Statistical Office (care statistics 2009) now comes the point where the children for parents liable! Pensions, long-term care insurance, and assets of the parents not sufficient to pay the costs of care, the State takes the children in the duty.

In practice, is the social welfare office in advance and then demands the maintenance claims for children. Even if the parents don’t want to prevent that they can’t. A waiver of maintenance claims is invalid. The load limits for the children is simplified as: by net income (child support is no income) remove items as follows: professional expenditure such as travel expenses, up to five percent of the gross own retirement (further 20 per cent for self-employed persons without compulsory insurance) and circumstances Credit cards. By this adjusted net income”an amount goes off in case of young per child table to Dusseldorf. Of the rest of the half for a spouse without own merit. If the debtor more than 1400 euro that goes half of the surplus to the parents. Partner-verheirate or non – must not pay for the parents of the other, even if you’re earner. Unmarried couples are worse off, because possible payments to the partner does not detract from the maintenance of parents. Payments to the partner be taken into account if necessary, if he cares for the children. Cut in patchwork families also services for stepchildren not the parents keep total seen but quite dilemma. You can escape the whole of course if early cared a suitable care provision. Act now! I’m happy to advise available. Greetings Michael Taffe advisors

The financial crisis is not over nor long. For investors means that but still long not, that they should be close to market developments and their money continue to bunkering admitted the financial crisis is not over nor long. That doesn’t mean for investors but, that they should be close to market developments and their money continue to bunkering in the savings bank. Such behavior comes sooner or later expensive as possible for. The signs are growing that the situation on the capital markets will normalize again. That does not mean that for the stability in the banking industry will be back fully secure, the economy was before a new boom, bond markets again have been moved in the lot.

“No, it simply means that the stupid saying – after this crisis will no longer be as before” – topical loses. Believe me: everything in the usual cars will run again in a few months. Although the economy is waxing continue, but the humility before the Lord will be written again as small as before. Return on investment, profits and profit-sharing will be again the key words which guide the life of the Manager. You don’t believe me? Then I will explain a simple example: little more than a year ago, Germany and the world knew only one topic. The end of the world triggered by climate catastrophe. Many scientists could vividly demonstrate the sacrifices of life, fruit surface, habitats and funding the ongoing development would cost if we do not rapidly and sustainably would react. Throughout Germany agreed: it must be something done so that the inevitable is avoidable.

Then came the oil shock and after the financial crisis. Meanwhile, Mrs Merkel thinks an economic crisis ahead of the next election was more severe than the climate change and calls that it should operate climate not at any price. So she joins it that despite the disaster early on isn’t everything in the old me about Mrs Merkel in the long line of those, want to leave. I can not promise you so, that soon everything will be fine. Sure I should with my prediction that it will apply the laws of money in the future, hardly fail lie. As investors this means for you, that you should quickly overcome your fear stiff again rational thinking. The end of the year is approaching and with it the deadline for action in the framework of the basic pension and measures against the flat tax. If you had planned this several months ago, you should act now. These opportunities do not come. Also as regards stocks and retirement investments, you should be not idle now. Although it is not sure whether the exchanges at the current level can hold, but one thing is quite certain: as little risk as currently they enter so quickly anymore. Keep in mind: Wise investors make their return with relatively little risk, during a relatively short period of time. (See also this link) If you want to protect your pension capital from the effects of a short-term financial, tax and economic policies. must you act rationally and take chances on tax privileges, promotion and market development. Broad strata of the population facing the poverty in old age. If you want to include, you should not too long bite firmly on the savings bank fixed deposit account, but contact your financial planner. Sincerely, your Sidney Batt (financial planners with eidg. FA) Pro 55 plus GmbH cellar road 29 D-81667 Munich E-Mail: finanzredaktion(at)altersportal.

Almost every second tax bill is wrong. As citizens recognize errors and enforce rights. In the 31 years I have received 28 false tax bills\”, reported S. Emil – his correspondence proves with the Finanzamt Wolfenbuttel: the IRS had incomplete accounting for his advertising costs, look over that of his wife, time simply not recognised training. Two thick binders fill the list of omissions of officials. Not an isolated case. Every third tax assessment is wrong, estimates of the Federal of taxpayer.

\”\” The Heidelberg Emeritus Professor Manferd Rose gehr even further: the most tax offices produce tax bills with an error rate of the part to be significantly over 50 percent \”, he writes in the Bush taxes easier make\” about the chaos in the Office. An objection against the tax assessment can be so worth it. The Treasury corrected almost two in favour of the taxpayer by around 3.8 million preserved appeals last year. But not just the fault of the Office can stamp out by opposition. Even if the Taxpayer documents has forgotten to pay a veto. Also on procedure that have negotiated before the Court in the same thing, the taxpayer with an appeal can a left. Affected the opposition quickly brings several hundred euro tax refund.

Pay attention to deadlines. Fluttering of the tax bill in the House, taxpayers must act quickly. Within one month of the opposition with the competent tax office must enter the period begins three days after the date specified in the notification. Can the opposition by PST, fax or telegram are made. Some departments accept emails. The opposition can be in addition orally, by civil servants take him to log. The procedure costs nothing. Good reasons. The taxpayer can submit the reasons for the objection. Why they have not considered expenditure, are forgotten to specify the financial officials about good arguments (\”s.

New tariff of Signal Iduna represents a huge burden for parents a disorder of the child such as their own health problems. Up to ten days per year are legally insured workers for care in such cases. During this time, workers receive compensation at an altitude of up to 90 percent of net income. Privately, however, benefit from such services only in special cases. The private krankenversicherung.de insurance Portal reported a corresponding rate of Signal Iduna.

The tariff of ESP-VA 43 it not is though a supplementary health insurance for children, but it represents a viable option for privately insured parents. The Signal Iduna provides its policyholders with this rate of sickness allowance in case of illness of a child. Prerequisite is that the offspring of the parents is insured and not older than 12 years. The sickness allowance is paid per child for up to ten days. Several children are the Privatversicherten 25 days to the Available. It is important that the next generation is actually at home maintained.

In addition, a proof must be provided that no person others living in the household could take care of the sick child. In cases of hardship, the insurance can take over the payments for up to 100 days.

Bad credit debt consolidation loans – debt consolidation loan most of etc.(Scotland) seek the help of credit card debt consolidation company only when they know that the situation has gone out of control. If the credit card is used carefully there is hardly any chance of resorting to credit card debt consolidation. Why does the credit card debt std::accumulate? Some of the major reasons for the accumulation of credit card debt are as follows. Misconception: The major misconception is that the monthly payment goes for getting rid of the credit card debt. In fact, the money goes to just pay the interest on the purchases done through the credit card. The matter takes a serious turn when the credit card owner comes to know about the total debt.

Multiple utility: what if the utility of one credit card has stopped? The debtor instead of getting rid of the first credit card debt starts using other credit cards. Bitter truth: the debtors usually like to live in a dream world where they believe in small multiple debts. They start ignoring the notices of the credit card debts. These debtors cannot face a single amount debt instead of multiple debts because this amount is too huge to be acceptable. The truth is very bitter, especially when finally the amount is concluded post consolidating credit card debt. Some other factors that can aggravate the financial crisis are the medical bills, natural calamities, and reduction in income due to recession. Act now! Get rid of credit card debt before it piles up. How to consolidate your credit card debt? Debt consolidation is not just substituting multiple credit card debts with one debt.

It of therefore includes reduction of the overall debt, monthly payment and the applicable rate of interest. The loans sought to get rid of the line credit card debts are called credit card debt consolidation loans. It is better to avail the debt consolidation program before the delayed payment of the monthly payments adversely affects the credit score. Usually it is lakes that people seek debt consolidation services when the situation goes out of control and the credit score becomes poor or bad. When a person with bad credit applies for credit card debt consolidation, it is called bad credit debt consolidation program. Benefits: Some of the major benefits of credit card debt consolidation services are as follows. Reduction in overall debt Regarrisoned or reduction penalties in the reduction in the monthly payment decrease in the rate of interest A chance to improve the credit score the benefits of credit card debt consolidation can lure most debtors of the credit card, but the onus of checking the creditability and reliability of the credit card debt consolidation services provider lies with the debtor. Avail the most affordable credit card debt consolidation services for having a debt free life!

Customers who take out a loan at easyCredit and supplement this with protection against unemployment, now benefit from the free security guarantee. Customers who take out a loan at easyCredit and supplement this with protection against unemployment, now benefit from the free security guarantee. Patrick matthews has much to offer in this field. This contractually fixed protection promise attacks when a financial emergency situation occurs. It comes to insolvency proceedings, for example, the easyCredit completely waive the remainder of the debt. There is also the ability to replace several small loans and to combine a credit from easyCredit cheap. t-U_D9fjbWO32F4B0htGBsMSP8vEqhL_3eg4EFmuEZ4uFsunrBNU6a3N6WugdS5l6VtpIB64-KWs63_CwhQ35PO0XFHDbO15c7cWyBNPNRiEBQJchoe4WlpJ3z’>Fiserv CEO. Even borrowers with payment difficulties arise, can rely on the easyCredit protection pledge. Instead of sending out money payments or charges to customers, easyCredit supports their clients troubled. Check with Maya Dubin to learn more.

Borrowers can adapt credit to the personal relations between the easyCredit or extension of the duration to a maximum 90 months reduce the monthly instalment payments. Also, customers with up to two monthly installments can expose. Borrowers must so didn’t get into sweat, if they even suffer a financial bottleneck. With the support of the easyCredit this can recover financially, instead of waiting for the bailiff. Consumers get cheap rate loans between 1,000 to 75,000 euros at the easyCredit. Whether a dream vacation or a great sports car with a cheap instant credit from easyCredit can be cheap and easily met almost all wishes. The repayment of the loan is very flexible.

Consumers can determine a the rates high even on the other hand, you can choose a term from 12 to 84 months. Borrowers against unpredictable risks such as unemployment and divorce, disability, death, can protect themselves with an optional payment protection insurance. And if the conditions do not say every customer has the opportunity to return the credit within one month. Daniel Franke

Customers who take out a loan at easyCredit and supplement this with protection against unemployment, now benefit from the free security guarantee. Customers who take out a loan at easyCredit and supplement this with protection against unemployment, now benefit from the free security guarantee. Patrick matthews has much to offer in this field. This contractually fixed protection promise attacks when a financial emergency situation occurs. It comes to insolvency proceedings, for example, the easyCredit completely waive the remainder of the debt. There is also the ability to replace several small loans and to combine a credit from easyCredit cheap. t-U_D9fjbWO32F4B0htGBsMSP8vEqhL_3eg4EFmuEZ4uFsunrBNU6a3N6WugdS5l6VtpIB64-KWs63_CwhQ35PO0XFHDbO15c7cWyBNPNRiEBQJchoe4WlpJ3z’>Fiserv CEO. Even borrowers with payment difficulties arise, can rely on the easyCredit protection pledge. Instead of sending out money payments or charges to customers, easyCredit supports their clients troubled. Check with Maya Dubin to learn more.

Borrowers can adapt credit to the personal relations between the easyCredit or extension of the duration to a maximum 90 months reduce the monthly instalment payments. Also, customers with up to two monthly installments can expose. Borrowers must so didn’t get into sweat, if they even suffer a financial bottleneck. With the support of the easyCredit this can recover financially, instead of waiting for the bailiff. Consumers get cheap rate loans between 1,000 to 75,000 euros at the easyCredit. Whether a dream vacation or a great sports car with a cheap instant credit from easyCredit can be cheap and easily met almost all wishes. The repayment of the loan is very flexible.

Consumers can determine a the rates high even on the other hand, you can choose a term from 12 to 84 months. Borrowers against unpredictable risks such as unemployment and divorce, disability, death, can protect themselves with an optional payment protection insurance. And if the conditions do not say every customer has the opportunity to return the credit within one month. Daniel Franke

Not only the plus of benefits convinced you are officials or independently perform a commercial? Or is your income as an employee at all about the so-called contribution assessment ceiling (so the limit of you can decide whether you can pay contributions in the statutory health insurance or take out a private insurance)? If you are in the situation and have the choice, you should complete a private Krankenversicherung (PKV). Because the car offers you a lot of advantages that you get only by concluding a private supplementary health insurance statutory health insurance. If at all. The often-criticized preferred appointment of members of the PKV in the eye ever stands invaluable benefits of for private health insurance on the one hand. Even if actually nothing serious is missing you, you get an appointment as legally insured as a member of the private health insurance at many medical specialists in all Germany faster.

The difference can amount to more than 40 days, how recent studies have found. The reason is also a way that the doctors for private patients may charge other fees to doctors for one and the same performance at a private patients may require more money from the health insurance fund as at a legally insured. For more clarity and thought, follow up with Dr. John Mcdougall and gain more knowledge.. Furthermore, this billing system offers more diverse treatment options: the doctor can PKV members alternative, better or newer treatments offer, which legally insured on the basis of the performance catalog of statutory health insurance funds be denied. Thus, you have the assurance to obtain optimum and very good medical care in private health insurance. Private health insurance offers a plus in Services In the hospital, you have the privilege, basically as a private patient of the hospital staff to be better treated.

Members of the private health insurance are not rare even on a different wing, so that you don’t get in touch with the legally insured. Of course, you need this Services for private health insurance also specifically insure and pay, even though the hospital treatment on the Privatstation for the PKV standard. Unlike legally insured private patients must contribute no 10,-equity per day at a stationary treatment on their health insurance. You must secure while separately the reimbursement of services such as dentures or curative measures (E.g. cures) in private health insurance. But most offer PKV provider special packages, covered almost completely with where all possible risks are, so that you have to fear no hidden costs. Reasons to complete such as the worldwide insurance protection without additional insurance or private health insurance in favour of the free choice of doctor. If you can have the choice and go in the car, you should do this in any case.

German citizens have their pets so far only rarely insurance if a dog or a cat is sick, can go for his master quickly in the money. The vet costs have risen in recent years. Usually, this costs the owner out of his own pocket must be paid, if no animal health insurance was concluded. While in Sweden, about 50 percent of all dogs are health insurance, the Germans have uninsured mostly their dogs. Whenever the dog more ill and about a necessary operation high at one time cost, the situation for dog owners will be difficult. Some insurers offer therefore different models: the one the cheapest surgery insurance.

Here typically unexpected high costs, are taken as up to some hundred euros after an accident or a serious illness with surgery. On the other hand, there are also animal health insurance plans, which assume the cost not only in pure operations, but also for normal outpatient treatments or even Pay preventive measures such as vaccinations, de-worming and tick. These types of fares are more expensive to the operation cost insurance according to. With pet insurance you can therefore reduce the unexpected financial burden of dog or cat owners. Operation cost insurance is for a dog around 11,-euros per month. A normal health insurance costs depending on the age, breed, and scope of services around 20,-to about 40,-euro per month. Cats are usually cheaper. Learn more about the insurance protection for animals can be found on the website of animal Portal.young-insurance.de.

Bergische insurance brokers-Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Bogdan Kalid image source: Martin Valigursky / fotolia.com corporate information: Bergische Assekuranz was broker of diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker founded. With the Internet presence of young Insurance.de the company specializes specifically on the needs of private individuals and professionals, who would want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies. Bergische insurance broker has connections to more than 100 different insurance companies. There are special rates available for various professional groups such as students, trainees, graduates, or certain traders. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since 1998 in the insurance industry are active customers via the Internet, by telephone and by post served – when preparing offers, as well as in the event of a claim. The strength of the Bergische insurance industry excels in broker a very high market coverage, excellent trained staff and offers tailored to specific audiences out. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.

Even if you’re filthy rich a savings account would not the place where you keep your assets… Imagine, a savings account interest rates were so high that you could live alone good. Why should you not simply depositing then your money on a such a savings account? Or in bonds investing (bonds), with which you get more accurately this small Prozentchen. You’ll be have prompted himself probably ever. For example, if you read that a well-known millionaire has lost his money because he invested it in things, of which he has actually no idea. If I were rich, I would have beautiful deposited my money on a savings account or in government bonds “, I hear say most people in such a situation. Beautiful drive interest and otherwise frittering away confidence overdose a dime then I ask you directly yet something else: How can it be that the richest people in the world have all built their fortunes in the last decades? Why were so many families before hundred years filthy rich and not anymore? Are now many again in the category of average Joe”? The answer lies partly based in the above things.

Rich people have too much self confidence and engage in silly adventures. Or but spoiled heirs spend the family legacy in a very short time. You will find the other part of the explanation in events that made people crisis, hyperinflation, wars. Economic crises, phases of hyper-inflation and wars. Responsible, conservative people put their money on secure”savings accounts and bonds until proved that this was not at all certain and inflation (talk: currency devaluation) had made sure, that their money was nothing more worth. A huge mistake the 1970s were the last phase in the inflation was so strong, that the real value of money in a savings account dropped steadily for years. No catastrophic circumstances, but it was still poorer. The last three decades have been quiet.

That’s why savings accounts are appreciated by many citizens as safe. People have a habit of automatically projecting their own experiences from the past to the future. In other words they expect a similar development of the coming decades. A huge mistake which can cause much suffering financial and so personal. We are at a crucial stage in our opinion we are now in a crucial phase. “We fear that the next ten years for all people, the safe money” have created on a bank deposit or in government bonds are disastrous. Wherefore have we a single and unique rapport with the title reads prepared and have a plan “written. Have you not requested nor this report? Do it now still. Please read it carefully, accept our opinion without thinking and form your own opinion. You should read it but quite sure again! With friendly regards, Rene SIP