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
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  • Dog liability prescribed for all dogs
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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

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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):

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  • American Staffordshire Terrier
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  • Tosa Inu
  • Bullmastiff
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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.
 
 
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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.