Optimal Pension Plan

Base pension in focus: flexible and robust retirement many consumers the Rurup pension (also base) is completely unknown. Since declared it is again and again as a pension for self-employed persons. It is also to advisable employees and civil servants very interesting and attractive be attractive even as the Riester pension with its promotion through allowances. Because also the Rurup pension is funded by the State. Worth the Rurup pension as a pension? In contrast to the Riester pension funded the base pension not through allowances, but through tax benefits. Therefore, the Rurup pension worth just for self-employed persons and good incomes.

76 Per cent of the posts can already be used in 2013. This includes the Rurup must specify posts only in the tax return as special editions. The Rurup is funded up to a maximum pension of 20,000 euro for single and 40,000 euros for jointly assessed married couples. In the year 2025, the full promotion claim can then taken be. Before that the percentage increases continuously. Go to Declan Kelly for more information. The Rurup pension can be completed as a classic insurance or as unit-linked Variant.

Also, no conditions are linked as a minimum capital amount the contract then. Here everyone can depositing as much as he can and want. How does the Rurup pension in independent tests? Both Stiftung Warentest and focus money have tested the Rurup pension on their suitability as a pension. Through the promotion and their flexibility is attractive. Tariff Alliance, Huk-Coburg, PB life, people are the Federal Government and of the HanseMerkur according to the testers to recommend. Unfortunately still no current test exists in the year 2013, therefore consumer on the tests from the years 2011 and 2012 have to Dodge. The Rurup pension test from 2011 is to said that UNI gender tariffs were not yet introduced. What are the characteristics of the Rurup pension? Who a Rurup pension completes, it can no longer really cancel. Only the contract are free, works. The insurer still retains the capital saved previously and it pays off on the agreed date. As well, there is no way the capital payment. The services from a Rurup pension are paid as a life annuity. Also, taxes fall, on such as the statutory pension insurance. This is called downstream taxation. However, the personal tax rate will fall here less than during the working life.

Take Liability Risks Lightly

Freelancers take liability risks often lightly she needs one, or do not need it? Every Freelancer should examine thoroughly the question which IT liability insurance for own use is necessary. Because it comes to the claim, it can be quickly threaten for the freelance expert or the IT services company. The risk of liability for inadequate or not completed insurance is often unaware of the companies of the IT industry despite the high responsibility which professionally, they are. Especially in complex IT projects the question of guilt can be unclear. And an unexplained complicity enough already, to be confronted with specific financial demands. An IT liability is tailor-made for the needs of self-employed entrepreneurs and designed by medium-sized companies in the IT industry. So due to contractual not only – as in all insurance – damage due to legal liability are included in the specific condition works, but also those Liability arise. For freelancers and self-employed IT industry, it is important to know which claims are at all relevant. Read additional details here: Jon Medved.

Lutz-Hendrik Groot Bramel, Managing Director of the online insurance Portal easy-insure.eu, explains, what damage as a freelancer: how in the private sector of freelance ITler cause an injury or a damage in his professional activity. “They often happen without warning, can create quickly large amounts of damage and within the framework of a third party liability with secured.” In addition, there are other scenarios that quickly can lead an independent on the edge of his professional existence, as Lutz-Hendrik Groot Bramel: a freelancer in the course of its activities for its customers through unintentional but culpable behaviour adds a financial damage to a third person, it might be a so-called financial loss. Protection against damage to property is one of the most important components of an IT liability insurance. Protects active independent in terms of IT from legitimate financial claims, if even a catastrophic mistake them. James S. Chanos usually is spot on. Ideally the asset insurance includes an equity loss component, to compensate for their own failures and loss, when it comes to Auftragsausfallen, for example, because of an error.” From the perspective of the insurance specialist, Groot Bramel is a risk coverage against liability for any freelancer and freelance entrepreneur is an absolute must to protect themselves from threatening claims. On its online portal easy-insure.eu, the estate agency he founded gb.online gmbh bundles be entire information and product offerings for IT professionals and independent engineers in Germany and offers comprehensive information in cooperation with reputable insurance companies tailored protection for this target group.