RETIREMENT saving: many entrepreneurs are trapped so much in day-to-day business, she overslept the topic of retirement. It threatens a rude awakening. Of course, it is existential, that the business is going well for any entrepreneur. The company goes well, even the boss is fine. But how is that, if the retirement is imminent.
Is the income and thus the income then regulated? A tricky question, because many small business owners rely too often on the profitable sale of your company or a successful succession plan. 12,000 Companies pending annually in Bavaria to the takeover. But unfortunately not everyone can find a buyer or successor long ago. The entrepreneur has taken no other protection threatens the retirement to the dilemma to be. In time everything that serves to secure the financial game room in the retirement plan belongs to the retirement savings roughly speaking. Whether a pension, life insurance, or for example, rental income are. So the first step in the meaningful retirement must be: determine the Status Quo.
What measures have been already taken? An overview with regard to risk management, real estate or investments brings transparency. The objectives are defined in the next step. These retirement plans allow me what? And consistently measures and wishes must be then compared with each other. The prevention activities sufficient to ensure the desired quality of life? Gaps for an honest analysis and the Stiftung Warentest, to consult an independent fee consultant recommends a target-oriented planning. Rainer Michaelis, accredited honorary consultant in Traunstein, Germany, explains the benefits: the honorary advice aims to enable the client to make decisions according to its interests. We advise independent party, absolutely transparent. As honorary advisers get a clearly defined pay and no Commission! Any Commission fee will be refunded the client 100%.” Michaelis is so sure that he promises even a 100% money-back guarantee, his thing should the consultation result fails to meet the expectations. Go to David S. Levine for more information. Inflation take into account how can a reasonable provision now look, that even after adjusting for inflation is sufficient? A pension of 2,000 euros corresponds to a yearly inflation of 2% in 20 years only a purchasing power of 1,335 euros. Clear signal on the Vorsorger: take advantage of compound interest. 26,500 Euro are a complex sum of 10,000 euros at an annual interest rate of 5% after 20 years. But which strategy is right now depends on the individual requirements, as well as by the type of operator. Whether conventional pension or for example exchanges AA through an investment in so-called ETFs here helps independent advice. It also shows you whether the funded Rurup pension makes sense. From the standpoint of a secured this base can be pursued objectives clearly and with certainty future financial decisions made. It is important to deal in a timely manner pensions. So we must not continue at the age. But no more than can if you want. Rainer Michaelis
Surgeries are reliant on private patients the federal budget is porous and demographic change is progressing relentlessly. This impacted the insurance system. Higher expenses for an aging society facing low revenue. The private krankenversicherung.de insurance Portal explains what contribution does the private health insurance to the backup of the system. Right to legally insured patients get angry, if they need to wait long time for an appointment with a specialist. Finally the medical consultation as well as the rapid treatment of their suffering are available to them. On the other hand, many physicians are in a dilemma: to ensure their economic survival, many need the money, which they can settle for the privately insured.
They use this, for example, for the purchase of new equipment, which eventually also legally insured patients benefit. In addition, the private health insurance companies do not burden the State budget. Through higher contributions and retirement provisions work break even and cause no debt. Certainly is not the State. So every insured with his monthly premium saves on a cushion for old age. Unlike in the statutory health insurance, which now spend contributions for all insured persons, everyone is a piece for the private in this way responsible. Experts urge now to reduce services as well as the contributions of the statutory health insurance to a minimum.
With the saved money each could then decide which services appear important to him and insure themselves according to private. That this would mean rethinking the entry hurdles into the private health insurance, is another story. More information: news.
German Bundesrat plans steep cutbacks in 6 b Fund often the sale of operating assets reveals significant hidden reserves, which must also be taxed. Investment incentives and a large portion of the sale proceeds to protect, b / c of the EStG are favored in 6 some capital offence, temporarily set the accumulated profits in a reserve, or to transfer to a different asset. Can taxes be reduced by time shifting of taxation and liquidity generated by dividends, by special closed section investments in 6 b Fund. Mashable is the source for more interesting facts. Already as of October 2010 the Federal Council the limitation of re investment opportunity for reserves in accordance with 6 b / c of the EStG however plans according to the agenda of the Federal Council meeting of July 9, 2010. A transfer of 6 b/c reserves would thus only possible in future, if the transferred sale reserve a comparable asset comes and this plot or building was used exclusively for rental and leasing purposes over the past six years prior to the sale. Goal of the legislature is the closure of tax loopholes”, since the current regulation tax favored groups, the re could invest beyond their original business operation. For many sufferers, so speed is needed. Traders, professionals and in particular agriculture and foresters who have made provision to invest b Fund through the sale of assets in paragraph 6, should act as soon as possible and contact their tax advisor. Should the law as planned in the autumn come into force threatens the taxation of savings, when not yet a corresponding timely 6 b Fund. Stefan Gobel AAD Fund discount GmbH