immediate annuity

As most Germans would now have to be aware of, statutory pension benefits will barely be sufficient in the long term to meet the financial needs of older people. All the more important is the conclusion of a private pension plan. Especially for those who are about to start retirement and have not taken private care of their financial future in old age, we recommend an immediate pension.

One-time payment in the immediate pension

In contrast to classic private pension insurance, in which contributions must be paid over a long period of time, the immediate pension, also known as immediate retirement insurance, builds on the principle of the one-time payment. Therefore, it is not a disadvantage, only late in the age to make a one-time payment for the pension, because the pension is paid immediately upon receipt of the sum monthly.

An annuity insurance in the form of an immediate pension is particularly advantageous if a higher amount of money can be invested, for example by personal austerity measures, an inheritance or by the payment of a life insurance. This amount guarantees the insured an immediate, life-long pension.

What pension amount is secure?

In the case of the immediate pension, just as with the classic pension insurance, a distinction is made between a guarantee pension and profit participation. The guarantee pension is the amount you will receive in any case. The guaranteed interest rate for a pension insurance currently stands at 0.9 percent (2017). The surplus participation you receive additionally. However, how high these are depends on how well your insurer is managing its capital.

In order to get as high a monthly pension as possible from the immediate pension, the financial strength of the company should be taken into account when selecting the respective financial institution and the surpluses of recent years also taken into account.

Dynamization of the pension amount

The lifelong immediate pension can be paid out in different forms:

  • Constant: The pension remains the same monthly.
  • Dynamic: The amount of the pension increases annually. Thus, the loss of value is counteracted by inflation.

The customer must decide before starting payout when he wants to profit from the surpluses. It is better to initially pay only the guarantee pension. It increases over the years by allocating surpluses. Advantage: once you have reached a pension amount is maintained. Those who immediately pay off the highest initial pension, risk later pension cuts.

Pension guarantee period and premium refund

If you opt for the immediate pension, you can additionally arrange a pension guarantee period and a premium refund. Both measures ensure the payment of the pension or total capital to survivors if you die. Through the warranty period, the monthly pension will continue to be paid to your survivors, such as your spouse, until the expiration of an agreed period. After that, your family members are not entitled to the capital of your immediate pension.

With agreed premium refunds, the insurer pays back the paid contribution to the heirs in the event of death. However, if you opt for this option and for the pension guarantee period, you will have to expect lower pension payments as the insurance company pays part of your lump-sum payment for these collateral.

Editorial Tip

Of course, the payment start of the immediate pension insurance can also be postponed, for example because one is still in professional life and has covered his financial needs through income. In any case, an immediate pension allows a secure pension payment, which can also be extended by a survivor’s protection.

Advantage of the immediate pension: the taxation

In contrast to subsidized retirement products such as Riester or Rürup Rente, only the income component of the immediate pension must be taxed. This depends on the retirement age. Those who receive retirement benefits at the age of 65 only have to pay 18 percent of their monthly pension payments. With a pension of 1,000 euros a month, it is only 180 euros, which are relevant depending on the personal tax rate.

Percentage of monthly pension payments on the immediate pension:

  • 61 years: 22 percent
  • 62 years: 21 percent
  • 63 years: 20 percent
  • 64 years: 19 percent
  • 65 years: 18 percent
  • 67 years: 17 percent
  • 69 years: 15 percent

Allow immediate pension to be calculated

Computers allow you to calculate your immediate pension. But is an immediate pension as a private pension suitable for you at all? This question should be clarified first and in most cases it requires in-depth advice. Under certain circumstances, you can even find a retirement plan that will give you a better pension.

Debt consolidation: The best way to end your debts.

Debt consolidation is the secret that the rich continue to improve their finances and not pay too much interest. How many times has it happened to you that the last days of the fortnight arrive and you need 200 or 300 pesos? It’s strange, because at the beginning of the month you made accounts and covered all the expenses and even had a few pesos left over.

This happens because when you make a list of your income and what you are going to spend during the whole fortnight or month, you do not usually consider the small unforeseen events of the day, which at the end of the week add up to an amount that was not considered in the budget.

Maybe yesterday your son had to buy material for school and today your daughter asked you for 20 extra pesos to buy a soft drink at recess time. These small leaks are what unbalance the accounts.

So not to get to red numbers one or two days before “the money falls”, the best thing is a timely monitoring of what you spend daily, as well as your debts.

Doing it is very simple, you just have to make a daily list of your expenses such as transportation, food, balance of debts, housing and other expenses. You must also add what your initial balance is, that is, how much money you left over yesterday and today you have in your bag.

So you can have a better management of your income and you can notice that if today you had an extra piquito, tomorrow or the day before you will have to compensate. With this, you will have a better handle of the finances of the home and you will arrive calmly to the following fortnight.

Now, if you have already done this exercise called “cash flow” and you still do not complete the week, maybe your debts are suffocating you and you need a special strategy to settle them.

How many credit cards do you handle?

How many credit cards do you handle?

 

 

It is currently common to handle more than two cards and other personal credits. The first problem is that you should never use a loan to pay another debt.

This only makes the problem more acute.

Yes, you needed those thousand pesos to compare the school supplies to your son. However, it is a temporary solution that the next payment date will only intensify the crisis.

The second major drawback is the payment schedule.

Related imageEach card has its cut and payment dates, so it is common to get confused and therefore fall behind. The bad thing is that late fees are huge and complicate the situation even more.

If you are one of the people who juggle payments, taking out one card to pay another and confusing the dates, you probably need to consolidate your debt to finally go afloat. Otherwise you will never get out of that vicious circle

What is the consolidation of debts?

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It consists of unifying all the debts into a single one, so instead of having 4, 5 or 6 accounts that are like a puzzle, you are dealing with a single payment.

Can you imagine never paying late interest?

Forget going to the bank more than three times a week, making lines of two hours and receiving calls on Sunday morning to demand a payment.

How does it work?

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It is very simple.

In Credifiel we give you the opportunity that if you have credits contracted with another financial institution, come with us so that together we solve it in the best way and obtain better payment terms.

The requirements are very simple, the most important thing is that you work in a government institution that has an agreement with Credifiel, you need to receive your salary through payroll or have a bank card.

The amount of the credit and the term to be paid is appropriate to your profile and your needs. To apply for the credit go to our website, fill out a short form with your information and then our team will contact you.

Visit: https://info.credifiel.com.mx/solicitar-un-credito

How does it work? Usually the cards of the other banks are liquidated and frozen in order not to increase the debt and the payment of the only debt can be less than everything you paid as normal.

Do not think that by paying less, the debt decreased; Usually the terms of the debt are extended for a few more months. That is the reason why you pay less.

Let’s give an example so that you understand how debt consolidation works.

True story

 

Image result for thought bubble graphic

Fernanda was a high school teacher, had two children and paid rent. She started with a card with a modest credit. When his two children entered primary school he had to make a heavy expenditure on uniforms and supplies.

It was here when his line of credit was insufficient and he asked for a personal loan. A year passed and he was still paying the credit card and the personal credit, but with the beginning of the school year the money was again insufficient.

It was then when he asked for a second credit card and, to make the situation more complex, he decided to say yes to a departmental card.

 

Six months went by and the problems began.

He had the money to pay the four credits, the rent and all the snacks of his son, but there were times that he confused the days of payment and he was late, generating commissions that went beyond his budget.

After a period of stress and uncertainty, Fernanda heard about the debt consolidation program and asked at her bank.

They studied your case and accepted your request.

What the bank did was to unify the accounts and pay the departmental store.

Now Fernanda makes a single payment, the monthly amount is less than what she previously paid and she is sure that in 48 months, the debt she never thought she would end was going to come to an end

What you should consider about debt consolidation

<strong>What you should consider about debt consolidation</strong>

 

You must be clear that debt consolidation is like asking for a new loan, then it is subject to all the variations of rates and commissions that a normal credit has.

The big advantage for you is that you should not break your head in 5 accounts because everything is centralized in only loan. Like all credit if it is not handled in an intelligent way, it can cause more problems than benefits.

Therefore, before asking for a debt consolidation, you must analyze your financial situation and see if you have alternatives to pay.

We recommend that you:

  • Review your expenses. You already know what a cash flow is and how to use it; You can put it into practice and detect which are the leaks of your income. If your daily expenses exceed your income, the consolidation of your debts will not be effective as long as you do not reduce expenses.
  • Make a budget after modifying your expenses. You already identified which are the expenses that you must reduce or avoid, now you must take account and see if with this restructuring you can pay the debts that you already have.

If you have already analyzed your financial situation and you recognize that your best option is debt consolidation, then you should keep in mind the following points:

  • Interest rates can be variable.
  • The debt is rediffered from 12 and up to 48 months
  • The payment can be biweekly or monthly

The payment can be via payroll or domiciled to a bank account

Debt consolidation can be the best way to end a debt. Rate all the points mentioned above to know if it is the best strategy for you.

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Financial advice in the test of time

At Prêts Québec, we always try to give you the best advice possible, in the interest of helping you to have a solid financial future. However, all the knowledge we shared with you comes from somewhere. In fact, it is even likely that the majority of financial advice you may have received in your life comes from basic advice that we all know and dislike. Although these tips have several variations, they all serve the same purpose: save as much money as possible and try to make sound financial decisions.

Here are 5 financial tips that have stood the test of time.

One penny save is a penny earned

Image result for one penny saved This expression has known many variations and since its existence known from the early 1600s. The most popular version is usually attributed to none other than Benjamin Franklin and section of his almanac 1737: “Necessary hints for those that would be rich “(Tips needed for those who want to become rich). In his column, Franklin puts the saying as follows: “One dime save is worth two”. This council remains one of the truths of the financial know-how. This means that if you decide to start saving money instead of spending it, you will benefit more in the future. You can then spend your money on more important things, such as buying a house or for your retirement. With every pay check you receive, it is a good idea to deposit some of it in your chequing and savings accounts.

Do not live beyond your means

An important point of the old school which is mainly for excessive expenses. What does that mean? Suppose you have just received an increase at work. You may be tempted to spend this money immediately on things you do not really need. This can be for a new mobile phone or a new car model. Yes, you can celebrate, but there’s a big difference between spending a little money on a party with friends and spending on an expensive item and being in debt with it. To have surplus money does not mean throwing it out the window.

On the other hand, this advice is as good as Franklin’s. The more money you receive from this increase will be better spent if you put it aside for the future or invest it in an RRSP for your retirement. Even if you have surplus money, it should not be an excuse to stop making a budget, or think about the different expenses you could make. When you receive this promotion, spoil yourself around a good meal and a good bottle, but this promotion will also help you repay all your debts, and invest wisely thereafter.

Hope for the best, get ready for the worst

Image result for hoping face Essentially, this advice tells us that while things may be going well for the time being, both medically and financially, it is always beneficial to put money aside in a fund for “longer days”. “dark” or in the event of a situation beyond our control. The fact is, we never know what could happen. You or a loved one could suffer from a medical emergency and be unable to work because of it. There could be sudden cuts to your job or you could become unemployed. Maybe an incident involving your house or car could occur and cost you thousands of dollars. One of the biggest mistakes that many people make is not having an emergency fund for the darker days and getting them out of a financial emergency. Whatever the financial crisis, everything may seem fine now, but it is smart to save in case things go wrong.

Let your money do its job

We always advise to do something with your money: to manage it well, to save it, to spend less, to work hard for. But one of the best things you can do is let your money do its work. We are talking about investing here. There are plenty of investment opportunities these days that can generate a lot of profit if you take the time to search properly and make sure they are the legal companies in which you could invest. Certainly, most income is better if they are kept safe in a chequing account or a tax-free savings account. However, it is a good idea to take small amounts and invest them in low-risk mutual funds, or any other type of investment account that will attract interest and growth. In this way, the money you decide to invest will generate additional income little by little and you can add that to the income you already earn. On the other hand, it is important to know that investments also involve risks and that is why you should always talk to a financial advisor who will help you and guide you where to invest your money.

Pay attention to yourself as much as possible

This advice comes directly from the mouths of several millionaires, investors and philanthropists, such as Warren Buffet and Paul Clitheroe.

First of all, it means that if you believe in yourself, take care of yourself. If you have some skill in which you are confident, you leave with a benefit and the only way to be sure is to take the time and money to get the training or education needed to make your talent blossom. . Or maybe you’ve had a job offer outside of the province or country that offers you new opportunities. Leaving your loved ones or family may seem difficult but it could also help you in the future. In any case, if you do not trust yourself, you will never be able to leave this current job that you do not like and you will not be able to show your talents to the world.

Ask yourself what is important to you. Whatever you decide, remember that if you are already in debt, it is better that you pay off your debts first before you start investing in yourself. Then, if you are qualified and confident enough to put your talents to the light, maybe the others will also invest in you. If you can not afford to invest immediately, at least you should work on it. Put yourself in an incubator, work in the evening and work overtime. In time and place, with enough gestation, you’ll get there.

Save for your future

 Save for your future

Essentially, it all comes down to the most basic and important advice that you can receive, and that’s what the team at Prêts Québec keeps saying. Save and spend wisely because your financial future is one of the best investments you can make in the long run. A dollar here, a dollar there, and it ends up accumulating. So, it is always better to learn to make a budget to respect it, because you do not want to be forced to work once again to your beautiful years.

Borrow using these auto loan securities | Loans Quebec

In the current economic situation, it can be difficult to meet all the financial requirements that we face daily. If, for example, you are trying to build a credit history or if, worse yet, you do not have one, then it is almost impossible for you to get a loan. It is exactly in such situations that car loan securities are useful. In fact, it’s a loan to help you out in an emergency or when you’re trying to get your financial situation back on track.

How it works?

Image result for how it works

When you apply for a car loan , we evaluate the monetary value of the car so that we can offer you a loan based on it. Therefore, your auto serves as a guarantee the time you repay the loan. Auto loans are supposed to be short term and for small amounts, which means that we will have a title on your car only for a short period of time. Once the loan is fully repaid, the car returns to you.

Car loans are useful for:

Image result for car loan

Everyone needs a little financial kick at some point in their life. However, no need to take huge loans from the bank. Instead, opt for a car loan to pay:

  • Your home
  • Your monthly bills
  • Your social services (water, electricity, etc.)
  • Your medical bills
  • Your tuition fees
  • Your renovations at home
  • Your legal fees
  • Urgently – see also our article on loans in case of accidents

Application and easy acceptance

One of the great benefits of car loans is the ease of the application process. Thus the car loan is the ideal solution in an emergency situation when you have
need financial assistance illico. That’s how it works. You must own a car; it means that you must have finished all the payments that can be connected to it. If you own a car, then you are eligible for a car loan . Then, either over the Internet or by phone, you fill out the application form. In the space of a few days, your request will be analyzed and an answer will be sent to you as soon as possible.

Fast and effective

When you need a monetary loan quickly, the auto loan is often the optimal solution. If you meet the requirements mentioned above, the money you need will be loaned to you within one day. Thus, you will be able to use the money as soon as your application is approved.

No prepayment penalties

Unlike other loans, you will not be punished if you repay the money you owe earlier than expected. In fact, you can repay your loan at any time, as long as you do not exceed the deadline. In addition, if you decide to repay the loan sooner, you will be charged only the interest for the time that you benefited from the loan and not for the full duration that was planned. What does that mean? If you are able to repay your loan in 5 days, then you will only pay interest for those 5 days of use.

If you need a loan and other creditors have refused your request, the auto loan with Quebec Loans is exactly what you need. Being small loans on a short-term basis, this loan is a great option for meeting the needs of daily living when normal income is not enough. In short, the auto loan will allow you to fill the lack of funding for any emergency that may arise in life.

Borrow using these auto loan securities | Loans Quebec

In the current economic situation, it can be difficult to meet all the financial requirements that we face daily. If, for example, you are trying to build a credit history or if, worse yet, you do not have one, then it is almost impossible for you to get a loan. It is exactly in such situations that car loan securities are useful. In fact, it’s a loan to help you out in an emergency or when you’re trying to get your financial situation back on track.

How it works?

Image result for how it works

When you apply for a car loan , we evaluate the monetary value of the car so that we can offer you a loan based on it. Therefore, your auto serves as a guarantee the time you repay the loan. Auto loans are supposed to be short term and for small amounts, which means that we will have a title on your car only for a short period of time. Once the loan is fully repaid, the car returns to you.

Car loans are useful for:

Image result for car loan

Everyone needs a little financial kick at some point in their life. However, no need to take huge loans from the bank. Instead, opt for a car loan to pay:

  • Your home
  • Your monthly bills
  • Your social services (water, electricity, etc.)
  • Your medical bills
  • Your tuition fees
  • Your renovations at home
  • Your legal fees
  • Urgently – see also our article on loans in case of accidents

Application and easy acceptance

One of the great benefits of car loans is the ease of the application process. Thus the car loan is the ideal solution in an emergency situation when you have
need financial assistance illico. That’s how it works. You must own a car; it means that you must have finished all the payments that can be connected to it. If you own a car, then you are eligible for a car loan . Then, either over the Internet or by phone, you fill out the application form. In the space of a few days, your request will be analyzed and an answer will be sent to you as soon as possible.

Fast and effective

When you need a monetary loan quickly, the auto loan is often the optimal solution. If you meet the requirements mentioned above, the money you need will be loaned to you within one day. Thus, you will be able to use the money as soon as your application is approved.

No prepayment penalties

Unlike other loans, you will not be punished if you repay the money you owe earlier than expected. In fact, you can repay your loan at any time, as long as you do not exceed the deadline. In addition, if you decide to repay the loan sooner, you will be charged only the interest for the time that you benefited from the loan and not for the full duration that was planned. What does that mean? If you are able to repay your loan in 5 days, then you will only pay interest for those 5 days of use.

If you need a loan and other creditors have refused your request, the auto loan with Quebec Loans is exactly what you need. Being small loans on a short-term basis, this loan is a great option for meeting the needs of daily living when normal income is not enough. In short, the auto loan will allow you to fill the lack of funding for any emergency that may arise in life.

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The Consell subsidizes loans to farmers worth 8.7 million euros to mitigate the effects of the drought

The president of the Generalitat Alberto Fabra has signed an agreement with nine financial entities

The president of the Generalitat Alberto Fabra has signed an agreement with nine financial entities  

Cajamar, Santander, Caixabank, Popular, Caixa Ontinyent, Bankia, Sabadell, Valencian Rural Savings Banks and the Federation of Agri-Food Cooperatives of the Valencian Community- whereby it will grant aid for the value of 8.7 million euros to instrumentalize the subsidized ns foreseen in the order destined to alleviate the effects of the drought.

These grants will consist of paying the interest for the years 2015, 2016 and 2017 with a term of validity of five years, until 2019, and the amortization will be made in equal installments from September 30, 2016, to the same day of 2019. In addition, according to The Government has highlighted in a statement, thanks to the negotiation carried out, financial entities have reduced the application of interest from 4.5 percent to 2.75 percent.

The Order of aid for regulating the procedure to grant the 8.7 million euros was published on January 9, 2015, in the Official Journal of the Valencian Community, and has received a total of 482 applications.

Recovery and continuity of activity

Recovery and continuity of activity

As indicated by the Government, these subsidies will be used to repair the effects caused by drought in certain farms in the Region and allow the recovery and continuity of productive activity.

The beneficiaries will be the farmers who applied for a loan under the previous Rural Development Program of the Valencian Region (2007-2013) and who are interested in requesting a new loan whose maximum amount, up to 112,000 euros, will be equal to the amount of capital to be amortized in 2015 and 2016. So far, 284 applications have been submitted.

In addition, the owners of agricultural holdings in dry land due to the 2014 drought and who are interested in requesting a loan https://green-touch.org/ may receive the aid. In this case, the maximum amount will be 25,000 euros per farm and 284 applications have been registered.

The agreement also contemplates the third avenue of assistance that is the subsidy of the guarantees of the State Public Corporation of Agricultural Caution to those owners of agricultural holdings of the two previous modalities whose guarantees are not covered by the Ministry.

The sector that “vertebrates and unites” the community

Money and Loan

 

In this regard, Fabra stressed that this agreement demonstrates the “sensitivity” to a sector that “vertebrates and cohesion” the Community and that is “one of the fundamental pillars” of the Valencian economy because, as recalled, many of the municipalities of autonomy generate their income from agriculture and livestock.

In this sense, has indicated that faced with the drought experienced in recent months, the Consell “could not and should not sit idly by.” Thus, has detailed that the agreement seeks to help the sector to alleviate the effects of drought in the Region.

For Fabra, the best way to help him, since “they can not make it rain”, is by contributing so that they can make new investments and can program new works within their farms to improve performance.

In addition, the head of the Consell has stressed that in a few days will present the Almond Replacement Plan worth 2.4 million euros because they are “aware” of the death of trees. For this reason, it has influenced that in order to face the situation, financial entities and administrations must “go together”.

“When we talk about drought we talk about lack of water and it is curious that these days we are seeing that in the north of Spain there is water left over and here once again it is missing”, said the ‘president’, while lamenting that the Region has “a very important water deficit”, for which reason it has stressed that “we must continue working” in the National Hydrological Plan that “guarantees that where there is water, it will go where it is needed”.

For this reason, it has affected that they will continue working with the Government and the Ministry of Agriculture to “show the need for the Community”.

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Howto Utilize Constrained Writing to Deliver a Key Information

How much does it cost to generate a iOS? The query is fairly fuzzy, but #039 & here;s an angle on the possible fees of application development. Application progress is not something using a fixed-price, at least not for projects that are successful. You will find options it is possible to contemplate to regulate and reduce your fees. Regardless of the classification, all portable applications may be complex, reasonably complex, and easy. The amount of sophistication is determined by various aspects including: 1) Project degree – the more investigation, attempts and integration are essential – the higher priced the application, 2) OS variants – restricting the screening of one’s app to the latest version of Android or iOS will drastically decrease along the price of improvement, but will likely add more prices in a mid to long term consequently of pests repairing and app's optimization for prior OS versions at post-production phases, 3) Sources to become employed – employing a freelancer will usually cost you between $50 to $200 / BuyEssay – Friend Service hr depending on the geography, while merging using a skilled applications development company will provide you with an advantage of knowledge, no trademark violations plus an ROI assurance, 4) Advancement from damage versus applying app themes to save cash – if you tend to create a winning mobile app and not simply another average one you need to be able to purchase special design and UI, so it's strongly suggested to also have a custom app style (that's also best for the trademark of the app). Likewise, remember that you added may be charged by some app development companies for your app artwork and design, so be sure to spouse with the one that involves layout cost into the undertaking appraisal! 5) Salary of app developers – on-average, one fulltime elderly Android creator can cost you around $108,000 per-year inside the Usa, around $100,000 in the UK and significantly less than $40,000 in Eastern europe like Ukraine.

Mayweather’s hatred of pacquiao is his cowardly revenge to be intimidated by him.

So, in case you intention to develop a high- stop application solution or perhaps a sport that is complex, by performing more undertaking benefit the same cash you might substantially decrease development charge down by choosing an outside team of application improvement resources and accelerate time-to-market. Infact, we can give you a far more exact appraisal – simply take as being a meaning at Provectus. For Quora principles – this asnwer arises from the mobile software layout development group at Provectus.com