Financial Tips -That Should Be Completed in 2010
February 26th, 2011 | 
Author: It’s not long until 2011. Before the end of the year, consumers should once again consider what things until 31 December should be regulated. Some key points of the Financial Services Plansecur (Cassel) has compiled:
1. Private continuation of direct insurance contracts may be useful: consumer, who after leaving the company its direct insurance from the company pension schemes (occupational pensions) continue privately have to pay any health insurance and care insurance contributions for benefits from the private discontinued part. This is from a decision of the Federal Constitutional Court (1 BvR 1660/08, September 2010) shows. In justification, the Court finds that benefits from private pension contracts, such as from an endowment policy are also not subject to social insurance and therefore be present at this point would be a difference in treatment. This means that private insurance contracts for continuation of direct legal obligation insured may be useful as the double imposition of contributions – in savings and in the payment stage – is eliminated with the decision. Important: The court also expressly pointed out that the workers must be policyholders of private insurance continuing direct. Still pending is the question of whether the decision in this form, to the pension fund, another means of implementation of the pension scheme, may be transferred.
2. Exchange desk in the private health insurance (PHI) relieved: If the Bundestag approves the project, can the compulsory health insurance with effect from 1 January 2011 switch back easily into the private health insurance. Compulsorily insured workers would therefore already after the first calendar year in which their income exceeds the limit for compulsory insurance, the change in the PHI disclosed. Introduced by the previous government three-year period will be deleted. After the remaining national regulation of this step is only possible once the limit for compulsory insurance for three consecutive years will be exceeded. Who wants to go can do so without risk, as a rule, because many health insurers offer the possibility of withdrawal from the contract, if not the law should be approved.
3. if there is public pension complete support:
a) Riester pension: For Riester contracts once a year
Co-payments up to the maximum possible to ensure the full
Promotion potential. The co-payment for 2010 is still up
31 December 2010 possible. Note: The request for allowances
2008, the provider is at least 31 December 2010
submitted. A standing request makes allowances, the
Consumer’s life easier, because the annual information
account for more than the pension insurance income.
Then only relevant changes, such as the
Birth of a child to communicate to the provider.
b) Rürup retirement: self-employed, their income situation often
to look only at the end of the year, should have the final
Rürup think a pension. This can be a
Once payments begin. Moreover, in existing contracts
will pay extra money. The annual contribution to a pension can Rürup
up to 20,000 € for singles (40,000 € in
spouses filing jointly) amount, in which the
Year, 70 percent (maximum 14,000 euros, doubling in
spouses filing jointly) tax-deductible. The
Rürup pension is the only state-supported private
Pension form for self-employed. Of course
but can also employees the benefits of a pension Rürup
. Use The tax saving is currently depending on tax rate
10 to 30 percent of contributions and increases
in the next few years gradually.
c) occupational pension schemes (occupational pensions): Even with existing
occupational pension payments made to pension contracts
be. Advantage: With the salary at which this
Year in pension funds or direct contributions to insurance
be encouraged to € 2640, save taxes and workers
Social security contributions. Thus, the tax payment
recognized, it must be before 31 Made in December.
Alternatively, the insurer or the pension fund also
2010, a debit authorization will be granted. Then allow the
Financial authorities also collect the payment by the
Insurers in the first weeks of 2011.
4. be sure to check with a pension number: overestimate Many citizens of the amount of the statutory pension. Consumers should therefore have to have a retirement check, which reveals any gaps. They should have an individual consultation Connect, will be developed in the light of the objectives and needs and in consideration of opportunities to promote retirement solutions.
5. Savings and housing bonus: To get the full housing premium (WOP) in 2010, is a special payment to an existing savings agreement advisable. The WoP is 8.8 percent and is estimated at up to 512 € / 1,024 € (single / married) if certain income limits are not exceeded. For contracts after 1 Entered into after January 2009, the WOP is only granted if the building society credit is used residentially, so constructed as real estate, bought or upgraded.
6. Motor insurance: In November, should be reviewed to car insurance. With a favorable insurance often can a few hundred euros per year can be saved. To 30 November may be terminated at the end of time.
7. Tax class: who in 2010 still would like to change the tax class must, by 30 November at the tax office to submit an application. The new combination will apply from the beginning of the month following the application. Allowed a few exceptions, a single exchange is a year.
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