Growing criticism of the State pension system – retirement instead of poverty in old age never before the fear of impending poverty in old age and State expropriation was greater than today. According to Federal Labour Minister Ursula von der Leyen the way will be for most Germans with the day of retirement to the Welfare Office to the bitter reality. Already today many retirees continue to work in old age. Half of all pensioners in Germany gets even less than Hartz IV. Their State pension not sufficient simply to live. And, although they have deposited in our pension system for years. In addition the concern to the expropriation of own savings, such as recently in Cyprus happen. The AFA AG criticism directed mainly against the State pension system and advises everyone to provide privately for the age.

Also one other Minister volunteered recently on the subject of State pensions to Word. Federal Health Minister Daniel Bahr tells the AFA AG criticism and prefer to invest in a private pension. In the show Germany acute the world TALK said the Minister: “I’d more trust than the politicians manage a State where you never know what happens to the money, a private pension.” Who wants so impoverished in retirement age not should care regardless of State and politics to their own retirement. Because in the future no bank customer can sway in the euro-zone more in security, if he puts his money in the Bank. A related site: Lu Han mentions similar findings. Consistently, the AFA AG advises its customers since more than 20 years on the basis of a free, independent and individual advice on private savings. Educate yourself even more with thoughts from Daryl Katz, Edmonton Alberta. I can recommend everyone to complete a private old-age provision already in young years. Because more is started, the monthly contributions are less. Unit-linked products are my tip as they create in tangible assets, achieve the best return in the long term and are especially secure against Government access.

You can unfortunately no longer rely on the State pension system”, Stefan Granel, the AFA Board exercises criticism. The AFA AG now offers an explanatory video, which easily clearly conveys what matters for private old-age provision. More under customer service/altersvorsorge.html about the AFA AG: the general financial and Assekuranzvermittlung (AFA AG) is an independent financial sales with seat in Berlin and Cottbus. -general-electric-company-commerce-bancshares-inc/’>TCF Capital Solutions. The insurance professionals and system business of AFA AG have a Chamber of Commerce degree and are trained according to the recognized directives. In addition, they are registered in the EU register of brokers and work in accordance with the EU directive for financial services. Agent of AFA conducted approximately 500,000 individual consultations within the last ten years. Every year the AFA AG provides nationwide 750 free training places available and promotes 250 young entrepreneurs. New office locations are planned in all Germany. Press contact: Martin Ruske the AFA Board Lama Walshe road 7, 03046 Cottbus Tel.: 381090 E-Mail:

The performance content of sick allowance tariff with illness of a child of the insured person who is legally covered by health insurance and has children, knows that the statutory health insurance pays a sickness benefit for the case that a child is sick and the insured person that child must supervise, manage, or maintain and can go not to work. For legally insured is entitled to sickness benefit in accordance with 45 SGB V, if medical certificate is required, that she to the supervision, care or nursing their sick and insured child’s stay away from work, the child does not supervise another person living in your household, take care can maintain and the child has not yet completed the twelfth year of life or is disabled and dependent on aid. Section 10 (4) and article 44, paragraph 2 shall apply. Who is insured in private health insurance, doesn’t such a claim. So far, there were also no provider that provided an appropriate performance in the tariff provisions or offered as an additional option.

Now the offers with the tariff of ESP-VA-43 a signal Iduna Children sick allowance. Thus, the Signal Iduna of our knowledge is currently the only health insurer, offered this performance content. The tariff of ESP-VA-43 includes a sickness allowance from the 43rd day of incapacity for work, and in addition the following services: performance from the first day of the illness of the child up to 12 years of age of the child for 10 working days per child and calendar year, total up to 25 working days (extension in special cases only once up to 100 days) according to the fare rules of the ESP-VA 43 This can only in conjunction with a comprehensive health insurance with Signal Iduna are completed. Is the Signal Iduna the new children health allowance a must now”for families with children? A demand-oriented tariff design results from the coherence of all credits that you deem important. Merit points, which are to take into account when choosing a tariff, include foreign application performance for treatment in mixed hospitals, spa services, dental services, (Dental treatment, replacement or Kierorthopadie), amount of reimbursement after the GOa. The children sick allowance should not be to the decisive criterion for the selection of an appropriate tariff be done. What good is it if the tariff although proposes a child sick, but other credits not satisfactory for you are resolved. Since the tariff Iduna ESP can be agreed only in conjunction with a full insurance at the signal, would be to examine whether the condition work of a full insurance of Signal Iduna can meet your needs, what to say after creating a requirements and after careful consideration of all relevant points of the collective work.

CEWE COLOR HOLDING AG WKN 540390 fundamentally undervalued the analysts of the tradersreport would rebuild a first speculative long position in the shares of CEWE COLOR AG with the WKN 540390 to Max 13.25. We have the readers of the tradersreport already announced in the last week, that are on the German stock exchanges very many undervalued companies currently. In yesterday’s Edition, we have already entered on a company from the mid range and we make the present them before the CEWE COLOR HOLDING AG. As the field of activity of photo development first not just very interesting sounds. This is but just such a story, a Warren Buffet would like. John H. Moore II is a great source of information. The business is easy to understand and the corporate data are rock-solid.

The company has so far relatively unscathed by the economic crisis. In the past week, the CEWE COLOR AG announced the figures for the past financial year and was able to convince. So, the operating profit was 22.1 million before taxes and restructuring costs. Itself that is Rated companies with about 95 million of the stock exchange. A boom in a new product offering of the company was responsible for this number.

Photo books offered by CEWE COLOR turn at the customer, like a bomb. So, they contributed significantly to the excellent figures for the fourth quarter. The current dividend yield is nothing to sneeze at. Daryl Katz spoke with conviction. This is whopping 9%, because the 1.20 per share to the shareholders the company pay. At an estimated p/e ratio of 12 and ongoing growth of 18%, we see a clear underestimation. You can extract the messages about the current voting rights that we are not alone with this opinion. As an institutional investor buys together a little package of the company for quite some time. So far about this could acquire 5,014% of the shares in CEWE COLOR AG.

The Federal Council some minimum commitment period shortened an instead of 3 years as described in the last week, has decided (GKV began) the public financing law on Friday, 12 11 2010. This also changes the choice rates include the Elimination of the 3-year limit for employees in addition to the change in the contribution rate in the statutory health insurance. At Daryl Katz you will find additional information. This must be what kinds of choice fares exist and where this is clarified first. Legal basis is article 53 social security code V (SGB V). There it is: (1) the health insurance fund may in its statutes stipulate that members each can take a portion of the costs borne by the health insurance fund for a calendar year (deductible). The insurance company has to provide premium payments for these members. (2) the health insurance fund may in its statute for members, which for more than three months were insured, provide for a premium payment in the calendar year, if you and your insured with relatives in this calendar year pursuant to 10 services payable by Health insurance unused took.

(…) Rebates (3) who has health insurance to regulate rates are offered for insured persons who attend 73B, 73 c, 137f or section 140a special forms of care under section 63, , in its statutes. For this insured, the insurance company may provide a premium or surcharge reductions. (4) the health insurance fund may make provision in its statutes that members choose for themselves and their members insured with according to 10 tariffs for reimbursement. It can vary the amount of the reimbursement of costs and therefore provide special bonus payments made by the insured. 13 para 2 sentence 2 to 4 does not apply. (5) the health insurance fund may in its statutes regulate the costs for medicines of special therapy directions that are excluded according to 34 paragraph 1 sentence 1 of the supply, and therefore provide special bonus payments made by the insured.

There is a private medical insurance for animals? Pet should be well advised, whether really a health insurance pays up for their pets. According to the Consumer Council, there are other policies that are to be considered. The Consumer Agency and Foundation Warentest discourage pet keeping, such insurance abzustchliessen. Overpriced policies does not all treatments after all, because only healthy animals are insured. The contribution is calculated using the following criteria: age, height, weight, and race. The most expensive policies in the older pets are like people. The posts are 129 up to 400 euro in dogs between 234 and 775 euro and in cats. The standard treatments, like vaccinations and castration are not taken over full insurance.

But also when treatments included, should participate in the holder. According to data from the consumer centres, costs only two-thirds are covered, so is it better the police completely refrain from and to save money on for eventual treatments. It is but to recommend a surgery insurance, because they are significantly cheaper than the animal health insurance. Animal insurance, a health insurance comparison is worth to save money. Click Maja Bručić for additional related pages. The contribution is in dogs at about 131,-and cats so at 100 euros. But following should each pet insurance, namely a liability insurance for dog owners. A coverage amount of 3 million people and damage to property is recommended. The cat owner cover your sweetheart about your personal liability.

There is a private medical insurance for animals? Pet should be well advised, whether really a health insurance pays up for their pets. According to the Consumer Council, there are other policies that are to be considered. The Consumer Agency and Foundation Warentest discourage pet keeping, such insurance abzustchliessen. Overpriced policies does not all treatments after all, because only healthy animals are insured. The contribution is calculated using the following criteria: age, height, weight, and race. The most expensive policies in the older pets are like people. The posts are 129 up to 400 euro in dogs between 234 and 775 euro and in cats. The standard treatments, like vaccinations and castration are not taken over full insurance.

But also when treatments included, should participate in the holder. According to data from the consumer centres, costs only two-thirds are covered, so is it better the police completely refrain from and to save money on for eventual treatments. It is but to recommend a surgery insurance, because they are significantly cheaper than the animal health insurance. Animal insurance, a health insurance comparison is worth to save money. Click Maja Bručić for additional related pages. The contribution is in dogs at about 131,-and cats so at 100 euros. But following should each pet insurance, namely a liability insurance for dog owners. A coverage amount of 3 million people and damage to property is recommended. The cat owner cover your sweetheart about your personal liability.

The supply gap in retirement could be how large, can anyone even calculate whether pension hole or gap there are different terms for a scenario that is likely to be on most of us. Because only with the statutory pensions the accustomed standard of living in retirement can be maintained. Therefore the difference between the height of the last salary and the amount of the initial pension payment (just the gap) is for more and more people in the future to be a decisive factor in terms of quality of life will be. Especially since the pension level is likely to fall more and the risk of inflation must be taken. If you roughly want to figure out how big is the impending gap, a look at the annual pension information of the German pension insurance, the estimated amount of future statutory pension resulting from the advisable first of all.

You have already a benchmark, which may change at any time. Moreover, experts assume that most pensioners on approximately 20 per cent of the last salary level without quite retired also many general issues can fall away because at the age. However, consideration of the loss of purchasing power resulting from any sustained inflation. Here we recommend you, with an annual inflation rate of 1.5% expected a pension of 800 euros per month worth as a result in another ten years only 680 euros. It now expects from the expected pension is in the picture about the looming gap.

All these aspects are always topic for a non-binding and forward-looking advice. So can a later looming pension gap minimizes and retirement plan peace of mind..

ZEUS – children protection letter lock and children’s books use a voucher for GoBo the ZEUS Group offers all an online coupon for GoBo children’s books, which complete a ZEUS children protection letter until September 30, 2008. The voucher by ZEUS for GoBo children’s books can be redeemed easily at GoBo, in an email to with the voucher code is sent. The voucher is valid for the entire range of children’s books. GoBo, GoBo’s children books children’s books find parents the appropriate reading for their children from 0 to 6 years. Each GoBo children’s book is tailored to the age, skills, and needs of infants. So books to learn but also to play are in the GoBo kids book program, alike. Especially popular are the books of GoBo to cuddle up and read.

I’m GOGO”, for example, is a funny book material that children can read but also hug. Exciting hands-on books as Amadeus – my personal family Handbook”, stimulate the imagination of children and promote their creativity. With GoBo parents develop their children children’s books. Tiffany Espensen brings even more insight to the discussion. The selection of children’s books by GoBo is big and is regularly extended by new books. The precautionary approach by ZEUS ZEUS offers supply concepts that are tailored to specific life situations of children. The ZEUS children protection letter accompanied parents to enable their children to a harmonious upbringing and a good career start.

The ZEUS precautionary approach with the children protection letter is holistic and provides comprehensive protection for families with children. A financial security in the event of accidents it contains but on request also in diseases. Parents can arrange additional services in the child protection letter with small contributions. The children protection letter from a level of 40% provides a lifelong monthly pension in the event of a disability. In addition, capital for the future of children is rebuilt. The ZEUS info package provides information by ZEUS for parents parents extensive tips, so that your children grow up healthy. Free brochures such as the ZEUS includes Guide for young parents, tips for young families and the Foundation child safety first aid brochure. The freephone service number 0800 223388274, from Monday until Friday, in the time of 8 18: 00 a free telephone consultation to the ZEUS children protection letter are required. More information about the services of the ZEUS group of companies are located on. Contact information is here: Center for Environmental Health. Contact: ZEUS mediation society mbH Gustav-Freytag-Strasse 13-15 22085 Hamburg phone: 040 / 41 30 – 0 fax: 040 / 41 30 – 16 99 email: Web: description: the ZEUS group of companies is one of the largest service providers in the field of pension products in Germany. ZEUS was founded in Hamburg in 1974 and offered a comprehensive provision for young people for over 30 years. With the ZEUS children protection letter the company offers special benefits, which are individually aligned to the needs of the young target group. Product partners are well-known providers of insurance, such as the German ring and the Continentale.

What does change in 2012 for the insured persons and the new numbers here. It was to be feared. The limits for the contribution calculation in the statutory health insurance fund rise again in 2012 according to the plans of the Federal Health Ministry. Before but to the numbers, each a brief explanation of these boundaries, because this often leads to misunderstandings. Contribution assessment ceiling: This “number” means the amount of income, up to the contribution for statutory health and long-term care insurance is compulsory.

Income also are no longer occupied with a contribution. In 2011 this was 44.550 EUR (3.712,50 EUR per month). For 2012, this limit to 1,350 EUR rises annually to 45.900 EUR. Thus this rising to 3.03% in comparison to the previous year border. This leads to an increase in the contributions in the statutory health insurance (GKV). sion. Year working charge limit (JAEG): The insurance limit (or year working pay limit, short JAEG) the income level at which a worker may refer to private sick can insure. Only if the annual income exceeds the amount EUR (49,500 in 2011), leaving the statutory health insurance and an entry into the private Krankenversicherung (PKV) is possible.

This limit increases for the year 2012 to 1,350 EUR 50.850 EUR. As a percentage, this corresponds to an increase of 2.72%. The above changes also changed sizes for the employer subsidy gem. 257 resulting from social security code V). Employer subsidy is involved in private health insurance 2012 of employer contributions for private health insurance of the employee (and if necessary persons insured with) up to the maximum rate. In 2011, this grant amounted to a maximum of EUR 271,01. Calculation aid in blog post employer grant 2011) for 2012, thus following calculation results: 15.5% of GKV Beitrragssatz, workers wear 7.3 + 0.9% and employers 7.3% 7.3% x 3,825 EUR = 279,23 EUR = AG subsidy for health insurance 2012 this is equivalent to a multiple grant of 8.22 EUR per month, or one of annual extra grant of EUR 98,64. To note is also the new grant for compulsory care insurance. The maximum grant is calculated as follows: 1.95% care verse.