Buch: “there is no reason to think that we are not going to face the payments”

Payments

The Minister of Economy, Industry, and Commerce, Máximo Buch, has assured this Thursday that “there is no reason to think that Spain is not going to face its payments, both the central government and the autonomous communities because it is the same”. “Spain is Spain”, he highlighted.

Buch has made these statements to the media before participating in a working lunch organized by the Valencian Association of Businessmen (AVE), asked about the reduction of the long and short-term ‘ratings’ of the Comunitat Valenciana by the credit rating agency Standard & Poor’s (S & P).

The owner of Economy has indicated that from the Consell they will elaborate a report in which they will explain that they do not agree on the two reasons alleged by S & P for the reduction. The first one pointed out by the rating agency refers to the Generalitat’s difficulties in dealing with its payments.

However, the minister has denied that it is true because, as he recalled, both the Minister of Economy, Luis de Guindos and the Treasury, Cristóbal Montoro, “have said repeatedly that they will not drop any community, that all will have the central administration. ”

Regarding the opinion of S & P that the Consell could not meet its budgetary objectives, Buch has indicated that it is “a question of numbers”. “We are going to present numbers and projections and adopt new measures in the bedroom,” he said, since he pointed out that if the fall of the Gross Domestic Product (GDP) is higher than expected “you have to have some additional measure of saving to counteract ”

The councilor has stressed that the Valencia Region will “meet the deficit targets we are marked,” because it is something “fundamental to the credibility of Spain and to move forward.” Likewise, he has said that they will work so that the agencies raise the qualification “and do justice to this community”.

Máximo Buch has referred to the ICO loans “that are already vehicled”, to the measures for payments to suppliers and to the ‘hispanobonos’, which are “the substitutes of those of the Generalitat and of the other autonomous communities, and that they emit at a much lower price” – basics missinglinkconnections.com/41-non-phone-work-from-home-jobs-open-now Missinglinkconnections.

For his part, the president of the Valencian Business Association (AVE), Vicente Boluda, who has also attended the media, has said he does not believe “at all” in the rating societies.

“I do not know who watches them, I do not know who controls them and I do not know who forms them, with what they can tell me that they have turned into yellow or navy blue,” he pointed out. “Is that rating agency the same one that gave the triple-A to Lehman Brothers one month before it went bankrupt?” Asked Boluda.

“AFTER THE CUTS, THE IMPULSE MEASURES”

<br />"AFTER THE CUTS, THE IMPULSE MEASURES"

Boluda has pointed out that “after the cuts and adjustments, the economy has to be re-launched,” and he stressed that the Ministry of Economy, Industry, and Commerce “is the one that has to direct all this reactivation.”

Inquired if he believes that a policy of cuts can be applied, pay suppliers and the same money take measures to boost the economy, the president of the AVE has pointed out that “many measures are not economic”.

In his opinion, “other types of measures are much more important to encourage, to help and to facilitate that economically translated are not important, they have no cost”, but they require “a lot of will”.

For his part, Buch stressed that “who has to promote initiatives and guide where the Valencian economy should go is a civil society”, while the administration should be “facilitators and supporters of that path that society indicates “

Lebensleistungsrente: Minimum pension should come 2017

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news Lebensleistungsrente: Minimum pension should come 2017 finanzen.de News always well informed Saturday, 14.01.17 , written by Anja Schlicht The Grand Coalition has long held on a solidary life pension. Originally, she wanted to pay tribute to the "lifetime achievement and long-term contribution payment in social security" by 2017 and introduce a minimum pension of over 700 euros. But despite previous commitments to the Lebensleistungsrente the promise will probably be broken. > Regierung hält an Mindestrente bis 2017 fest Pensions of low earners will be increased by 2017

For a long time it was quiet about the minimum pension. After the CDU / CSU and SPD had agreed to introduce the Lebensleistungsrente by 2017 in the coalition agreement, the focus was initially on the implementation of the pension package. Even though the government did not yet know how many people could actually benefit from a minimum pension , and how much the additional financial burden would be , they were still holding on to an introduction. According to the coalition agreement of the CDU, CSU and SPD, life benefits and long-term contributions in social security are to pay off and a solidarity -based pension will be introduced by 2017 , quoted, for example, the Rheinische Post from a response by the Federal Ministry of Labor to a request by Alliance 90 / Die green.

However, with regard to the question of the aim and structure of the life benefit pension, the Federal Government noted that a decision regarding the introduction, organization and financing had not yet been made. She also referred to the agreements in the coalition agreement, according to which the minimum pension is to be financed by means of taxation and an additional pension is to be considered a condition of access.

Solidarrente instead of Lebenslebensleistungsleistungsente

Even though Labor Minister Andrea Nahles (SPD) still believed in the introduction of a lifetime achievement in March 2016 and announced a concept in 2016, the politician finally said goodbye to it. Instead, she introduced the concept of solidarity at the end of 2016. The associated benefit should be ten percent above the basic social security level in old age.

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That should reach the lifetime benefit pension

In particular, those who have earned below average income for years, and people who have "cared for and raised relatives and raised children," should benefit from the Life Benefit Pension. The pension, however, was subject to certain conditions. A claim should exist for pensioners, if they can prove at retirement at least between 2017 and 2023 at least 35 contribution years in the statutory pension insurance, then 40 years, explained the Rheinische Post. If the pension will be less than 30 credit units, the age of money had been raised to that level. In 2014, this would have meant a minimum pension of just under € 700 (East) or around € 760 (West).

When does a minimum pension for low earners come?

In the past, the conclusion of a private old-age provision was also discussed as a prerequisite for the life benefit pension. Whether the government will pursue this proposal with the new Solidarrente must show the future negotiations on the minimum pension. It remains to be seen that the government will actually honor its commitment in the coalition agreement . As early as 2012, the increase in mini-pensions was discussed. However, the project of the then Federal Labor Minister Ursula von der Leyen was postponed indefinitely after the election.

The Solidarrente now seems to threaten this fate. Because on a compromise CDU / CSU and SPD have not been able to agree. However, there is not much time left to launch this important pension plan before the next federal election. Accordingly exciting remains the question of which election promises the parties will go into the election campaign and whether a pension on basic security level for low-income earners is actually decided in the next few years.

Tip: Even if you can put aside only a little money a month, you should not neglect your retirement. At least find out about your options to make sense for your age even on a budget so as to prevent poverty in old age.

Here you will find tips and further information on old-age provision. >

Anja Schlicht

editorial staff

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Dog tax Berlin

Information on dog tax & dog liability in Berlin
Hundesteuer Berlin
  • Dog liability prescribed for all dogs
  • 120 Euro dog tax for the first dog
  • Muzzle in public transport
  • Uniform regulations for the entire city
 
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Dog tax and dog liability in Berlin

Berlin is one of the five federal states where a dog liability insurance for dog owners is mandatory. In addition, dangerous dogs must wear a muzzle in Berlin buses and trains. Since Berlin is a city-state, uniform rules apply to the use of linen and muzzles for the entire urban area.

Leash and muzzle in Berlin

In the state of Berlin, there are clear provisions as to when a dog should be kept on a leash. In public greenery and recreation facilities, in forest areas, in staircases, at public gatherings, in public transport and in pedestrian zones, the four-legged friends are obliged to leash and dog insurance is a must for every dog ​​owner.

Berlin stands out among the federal states with a strict regulation in the transportation of the dog in bus and train. There, all dogs have been muzzled since 2010. However, the Berlin transport companies and the rapid-transit railway announced a sensitive handling with the muzzle compulsion. Inspectors can decide for themselves whether a muzzle is absolutely necessary for the respective dog.

Fighting dogs in Berlin

Hundehaftpflicht Berlin
Dog liability is in
Berlin duty

All dogs that, due to breed-specific characteristics, descent, training, dressing or poor or faulty posture and education from a heightened combat readiness, aggressiveness, sharpness or other property that can endanger humans and animals, are in Berlin as so-called fighting dogs. 10 breeds are generally considered dangerous, including Pit-Bull, American Staffordshire Terrier and Bull Terrier. In addition, dogs that have repeatedly jumped people or rushed or torn cattle, game, cats and dogs can be considered dangerous. The same applies to dogs that were biting towards humans and animals.

To hold a fighting dog, the holder of the competent authority must submit a certificate of good conduct and proof of competence. The dog classified as dangerous must be kept on a leash outside of your own home. Exceptions are dog exit areas, if the four-legged friend wears a muzzle. The muzzle requirement applies to all so-called fighting dogs when they are 7 months old.

Dogs classified as dangerous (fighting dogs):

  • Pit Bull
  • American Staffordshire Terrier
  • bullterrier
  • Tosa Inu
  • Bullmastiff
  • Dogo Argentino
  • Fila Brasileiro
  • Mastin Espanol
  • Mastino Napoletano
  • Mastiff

Dog tax in Berlin

Dog owners pay in Berlin for their first dog 120 euros dog tax a year, for each additional 180 euros. In addition to the above-mentioned muzzle in bus and trains, the owners are required to equip their dogs with a recognition chip. This is implanted, for example, in the ear of the quadruped. In addition, every dog ​​owner must take out a dog liability insurance, regardless of whether it is a pug, a dachshund or a sheepdog. The law on the holding and guiding of dogs in Berlin threatens with non-compliance with the regulation with a fine of up to 10,000 euros. Are you a Berliner and you want to keep a dog? Then compare the best offers and find the right protection for yourself and your dog.

Dog liability in Berlin

The dog liability in Berlin belongs to the legally prescribed insurance. Thus, Berlin is one of the five federal states in Germany, where the dog liability is actually mandatory for all dogs. Depending on the provider and tariff details, prices can vary greatly. Make the comparison with the dog liability tariff calculator on finanzen.de and decide for a suitable offer.

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Household insurance: Comparison makes the difference

 

finanzen.de News always well informed

Household insurance: Comparison makes the difference

By a household insurance comparison, the consumer can save a lot of money. This is the result of a household contents insurance test – this time by the German Institute for Service Quality (DISQ). Other studies also show how different contributions and benefits can be in home contents insurance.
 
 
Hausratversicherung Vergleich lohnt sich
 
With the home contents insurance comparison, the budget cheap insure

A household insurance comparison is always useful. If you own a too old or too expensive household insurance policy, you can get better benefits or at least cheaper contributions with a new tariff. The current test of the DISQ examines 11 service insurers for household effects on their services and the price. He comes to the conclusion that a very good insurance is not to receive low contributions. Good performance costs, but solid performance is quite affordable. Such a first conclusion that draws the comparison. For all those who want to protect their household items at least financially from theft or damage, there is no way around a good home contents insurance by.

Household insurance comparison: How well insure the provider?

Basic insurance and underinsurance protection can be offered by most insurers. That represents the DISQ could be stated in its home contents insurance comparison. In the household insurance insurance test was also positive that more and more providers insure damage after gross negligence. Roughly negligent is, for example, who hires the washing machine and leaves the apartment for several hours. When offering special services, however, the air is already thinner. For example, the theft protection for the bicycle is usually limited. Often it is only insured as long as the bike is in its own basement or bike shed.

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Who are the test winners in household insurance Comparison of the DISQ?

The current household contents insurance comparison of the DISQ examines both the insurance benefits and the equipment as well as the amount of insurance premiums. Both test categories are offset against each other and thus the test winners are determined. HUK-Coburg ranks first with its basic tariff, after having also landed among the top three insurers in the individual surveys. The prices of the HUK Coburg were in three out of four model cases strikingly cheap, the testers. In second place, Interlloyd ranks with the Eurosecure Plus tariff. It is followed by Bruderhilfe with the base rate.

Home contents insurance comparison: Other tests – other test winners

However, another recent analysis of the Ökotest (April 2014 issue) identifies quite different top providers. In this household insurance comparison, Maxball, the East Anglers Brand Guild and InterRisk are the test winners. Overall, Ökotest is very satisfied with the household insurers and does not award any deficient grades. Behind six test winners, 23 fares rank second.

When the washing machine licks …

The household insurance jumps in when household items are damaged by tap water, hail, fire or burglary. According to current statistics, burglaries are increasing again, and the leaking washing machine can quickly submerge the whole apartment. New furniture and electrical appliances can cost thousands of euros. A good and cheap home insurance is already available for ten euros a month.

A gift mountain for your children

Dear Partner, This year we want to make your children happy at Christmas time and thus also you. We play Santa Claus and we need the wishlist of your little ones. Among all submissions, we meet the three cutest wishlist.

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Mortgage lending

 

Replacing old and expensive loans
 

Baufinanzierung Umschuldung

Rescheduling of mortgage lending

Especially those who commit to a long-term loan, such as a construction loan, often realizes after some time that the interest rates are considerably higher compared to current loan offers and the credit is thus more expensive. By rescheduling you can counteract this and save a lot of money depending on the loan amount.

Why reschedule mortgage lending?

There are cheap and expensive loans – depending on how high the lending rates are. These can vary both depending on the time the loan is taken, as well as on possible interest rate fixation or interest rate increases in the course of the loan term. Thus, a loan that used to be very cheap can become more and more expensive as the years go by, when the interest rates of the respective bank are adjusted upwards several times. Although mortgage lending is considered to be relatively stable in comparison to smaller loans, due to their long maturity, even small adjustments in interest rates have a significant impact on the overall debt.

But you are not helplessly exposed to this fact as a borrower. With a rescheduling you can replace the excessively expensive loan and convert it into a cheaper loan. Especially with very long-term loans, such a procedure makes sense. Even though the loan was concluded at a time when very high lending rates prevailed, it may be useful to repay the loan if loan interest rates have fallen.

Editorial Tip

Offers for a rescheduling often come from the same bank, where you have also taken the original loan. Nevertheless, it is worth taking into account the offers of other financial institutions, and only then opting for a cheaper offer, if you save yourself additional costs, such as administrative fees.

How does a debt restructuring work?

Debt rescheduling will start a new loan , usually equal to the residual debt of the old loan. With this loan, the old loan is then completely paid off. Instead of the formerly very high interest rates of the old loan, much lower interest rates are now paid.

For smaller loans, a debt restructuring of the construction financing is worthwhile only if the interest difference is really serious. Because with a new loan also charges, which only lose in importance with a larger loan amount. However, large loans, such as construction loans, can very often be replaced much more cheaply after a few years. Therefore, it is worthwhile to regularly check for long-term loans what the benefit of debt restructuring would be. Especially when the general interest rate level is very low, it often turns out to be more lucrative to replace a building loan.

Runtime change and rate reduction

It is not always possible to change the repayment terms of a loan in progress. Nevertheless, the life situation and the willingness to pay can change so that you as a borrower would like to extend the term of a loan or reduce the monthly repayment installments. Even then, a debt restructuring loan is suitable. Because here you can agree on new terms of payment with a new bank. However, you should consider whether the interest rates for the new loan are still favorable, even over a longer period, and how the interest rate trend is expected to develop.

Change of loan amount

Especially with mortgage lending, it may turn out that the loan amount was set too low. This sometimes means that the construction project can not be realized without additional credit . Sometimes it is advisable not to take additional loans, but instead to repatriate the entire mortgage lending. However, you should only resort to this if you do not miss any interest rate.

Prepayment Compensation on Loan Cancellation

As soon as you as the customer of a bank cancel a loan, a so-called prepayment penalty may become due. This is a charge that you must pay if a loan is repatriated during a fixed interest period. The credit institution may then demand a so-called interest default loss from you, which arises from your termination of a loan. If you receive a prepayment penalty, you must consider the costs involved in planning your rescheduling.

 

Super Saver

A rescheduling also offers you the opportunity to bring order to chaos. If you have decided on several loans over time, for example, to finance your house and your car, you can combine several loans with a rescheduling. Not only do you benefit from lower interest rates, but you also benefit from a better overview of your finances.

No rescheduling without advice

Debt rescheduling can not only be used to reduce the total debt, but also to tailor the loan agreement to your personal needs. Nevertheless, the rescheduling decision should not be taken lightly. Be sure to seek advice from an independent finance expert . He can calculate exactly with you, from when a rescheduling is really worthwhile, which offer is permanently beneficial for you and how you should start with term and repayment installments.

 

 

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