Tag Archives: insurance & pension

Basic Rate Insured

Services comply with statutory health insurance services private health insurance promises usually special services that go beyond the framework of the treatments applied by the statutory health insurance. That is not the case however with each tariff. If you are not convinced, visit Bizzi & Partners. ience with these questions. The private krankenversicherung.de insurance Portal reported cases in which it can cause problems. Some time ago the legislature committed the private health insurance companies to offer a so-called base rate. This tariff should contain exactly the services that also legally insured receives after the statutory health insurance services.

The base fare but represents a risk for the insured, because private patients are not treated with this rate by some doctors. The reason for this is that there is so far only a few relevant contracts between doctors and physicians groups. The links group, according to reports of the daily newspaper was the world to get these issues on the ground,”a small inquiry to the Government. It came out that so far only four of the 17 Fund dental associations have completed the necessary contracts with doctors. Unlike must legally insured, which are generally treated, doctors can deny treating private patients due to the missing contracts under certain circumstances.

Game Fund – Gamble Money

Closed-end funds invest in PC and video games, computer and video games have long since become a popular hobby. Game fund invest in an attractive and promising market and promise quick returns with short maturities to investors. The cold season the main season for computer and console games stands at the door and with her. Media playing has changed however in the past few years strong and attracts more and more of the population also weather-independent under its spell. By many unnoticed has the game industry overhaul now already clearly the film industry in terms of sales through continuous double-digit growth rates and is thus an absolute leader among the media. Despite the enormous financial success and the dazzling prospects, treated the genre from the capital market to last more than superficially and overslept the trend. Account only for a relatively short time through so-called game fund the increasing capital requirements in the production and distribution of PC and video games. It can fund management when selecting appropriate games access a large number of projects already underway and invested.

Participation in subsequent productions of popular blockbusters has proved particularly successful. These sequels”have a loyal customer base and inspire new buyers thanks to brand and image building. As the market for equity capital is at present still considerably under-represented, the fund initiators can cherry-pick often corresponding to the investment strategy at very reasonable prices. Stable revenues despite financial crisis testifies to a future attractive and booming market. Game Fund is characterized by relatively short maturities and capital commitments, it is possible to achieve so quickly sizable returns”, so the General Manager Jurgen Hilp from the AAD Fund discount. Of course, game Fund, too, like any other business involvement are not entirely free of risks. Not realization appointments can extend the production of games and to build appropriate costs.

In addition, a PC or video game makes no actual asset dar and the financial success ultimately depends on the subsequent acceptance of the audience. This is particularly evident, that ten percent of the annual title worldwide combine 85% of the total turnover in. The wide range of genres, the number of games in a Fund, and last but not least, the expertise of the Fund management, however, allow a broad and quality-oriented diversification to hedge against supposed flops. “Good game Fund also meet minimum acceptance agreements with game distributors (Publisher) in advance and insurance of completion of (completion bonds) that to minimize the financial risks”, the financial expert explains.

Contribution Health

Health insurance for retirees is often more expensive than thought health and long-term care insurance cost more often as a retired or other previously thought. The consultants of the VZ VermogensZentrums indicate this fact. Pensioners must pay not only on their emoluments from the statutory pension contributions to health and long-term care insurance. Also occupational pensions and one-off payments from direct insurance the funds collect contributions, as well on other income such as pensions or salaries of professional pension funds proportionally. The contribution assessment ceiling is 44,500 euros. Top of this income is free. In the general health insurance contribution rate of 15.5 per cent applies to retirees who are compulsorily insured in the health insurance of retirees (KVdR). The Deutsche Rentenversicherung (DRV) retain 8.2 per cent of the pension and pays the remaining 7.3 per cent on the respective health insurance.

Contributions to the long-term care insurance must wear exclusively pensioners. The Contribution rate is at 1.95 percent, 2.2 percent for childless. Of a pension amounting to 1,500 euros, 1,348 euro remain after deducting the own contribution for the health insurance (8.2 percent, 123 euros) and of the contribution to the long-term care insurance (1.95 percent, 29 euros). The consultants of the VZ VermogensZentrums indicate that retirees who are insured in the KVdR, have the advantage of having to pay no contributions on income such as interest, rent and private annuities. Self-employed and freelancers do not come in this pleasure. Their contributions are calculated on the basis of income.

However, a reduced contribution rate of 14.9 per cent applies to income from rental and leasing as well as interest and annuities. Also compulsorily retired, exercising an independent activity of more than 18 hours per week, must pay contributions on the income from it. Especially in lump sum payments from pension or insurance payments may be high fall out. The Fund for ten years takes 1/120 of the paid sum as a monthly income to calculate the prorated amount contribution. When a withdrawal of 72,000 euros are 600 euros a month. Just 105 euro health and care insurance premium per month account for this.