Will your retirement income be enough?

How much money do you need to retire? Probably more than you think.

The capital is shrinking from year to year, the guaranteed interest rate is on a downward slide, the surplus participation has melted down to zero – after the first and second pillars of old-age provision, the third is now also crumbling. How insurance companies rip off customers on a grand scale.

Endowment life insurance has become a pretty bad deal for customers. Who thought to have provided sufficiently for the age, sees itself bitterly deceived. The payout shrinks from year to year like butter in the sun. For many, there is no longer any question of a carefree retirement. Der Spiegel" took up this topic and comes to the conclusion that the "life insurance companies are passing on their problems to the customers" . Their problems are mainly due to Draghi's low-interest policy . The head of the European Central Bank (ECB) has cut interest rates to zero – and below. How are insurers supposed to earn money for themselves, their customers and their shareholders??

You surely know the green license plate from agriculture. But why is this license plate also seen on a boat trailer or a caravan?

What is actually the green license plate?

Almost all types of vehicles except buses and motorcycles can get a green license plate if the conditions are right. According to traffic and tax law, this license depends on the use of the vehicle. A vehicle with a green license plate is exempt from motor vehicle tax according to § 3 KraftStG (German Motor Vehicle Tax Act). To do this, you must file an appropriate application with the tax office, which must meet a few criteria.

When a person dies, it is a bitter and sorrowful experience. Many relatives forget that the insurance documents must also be checked in a timely manner. Unfortunately, this is exactly what is required, however deep the grief may be. Otherwise, in case of doubt, even the insurance benefit is at stake!

If there is an insurance policy in the event of death, such as a term life insurance policy, then the insurer must usually be informed immediately. The period within which this notification must be made can be found in the insurance policy: The usual time for this is 3 days. The period begins as soon as one has learned of the death of the insured person. If the death is caused by accident, the accident insurance even insists on a notification period of 48 hours, unless otherwise agreed in the contract.

In Germany, the hurdles to obtaining a firearms license can certainly be described as high. But everything is relative and before going into detail, it might be worthwhile to take a look across the borders in other countries.

First of all, two countries that make it very easy to legally own a weapon that requires a firearms license in Germany. These are the USA on the one hand and Yemen on the other. In several states in the U.S., it takes just about an hour to be allowed to buy even large caliber weapons.

Warren Buffett

Warren Buffett often refers to Berkshire Hathaway's (WKN:A0YJQ2) book value as a measure of success or failure, but even he admits that this method has its flaws.

Limp Bizkit - N 2 Gether Now ft. Method Man

In the state of North Carolina, vehicle ownership is indicated by the name of the vehicle title. If ownership changes, the title must be transferred from the previous owner to the new owner. This happens when a vehicle is bought or sold, but also when it is given as a gift and when it is part of an inheritance. There are some things you need to know about transferring a car title in North Carolina.

In the case of marriage, it is possible to conclude a prenuptial agreement. The selectable matrimonial property regimes are the following three: Errungenschaftsbeteiligung, community of property and separation of property. If no prenuptial agreement is concluded, the matrimonial property regime applies. Muriel Ego-Sevinc, a lawyer and specialist in family law, explains: "The share of acquisitions can be adjusted somewhat individually through a prenuptial agreement. However, the other matrimonial property regimes, such as the separation of property and the community of property, also offer interesting options and allow the property consequences of the marriage to be adapted to the individual needs of the spouses." Therefore, the divorce lawyer recommends to deal with the consequences of marriage in time and to get advice in this regard.

Inheritance share

In this form there are four assets. The personal property of both spouses as well as the earnings of both spouses. Personal property includes all items for personal use, as well as assets that belonged to one before marriage or that come to one later through inheritance. In addition, respective replacement purchases for the personal property also belong to the personal property. The inheritance includes, among other things, work earnings, benefits for personnel welfare institutions, social insurances, social welfare institutions, the earnings of the personal property and also the replacement acquisition for inheritance. In the event of a divorce, the assets of both spouses are divided in half, unless a marriage contract to the contrary has been concluded.

The best DAB+ and WLAN radios with Anne-Kathrin Kosch (November 2017)

The state of New Mexico requires that cars have titles that belong to their owners. When a car is bought or sold, or when it is inherited as a gift or after the owner's death, the title must be changed to reflect the new owner's name. Title transfers in New Mexico are not complicated, but the process does require some specific steps for all parties involved.

In the labor court, each party incurs costs in the first instance, because there everyone bears his own legal fees. It does not matter who wins or loses the argument. The employee must therefore pay even if the dismissal was invalid. If no own financial means can be used for a lawsuit, legal aid can be granted. In this article you will learn what legal aid actually is and when it can be applied for.

1. What is legal aid?

Through legal aid (PKH), the state covers the costs incurred by the court and your own lawyer. Only your own costs are covered. This is to enable (relatively) destitute people to take legal action and enforce their rights despite their financial difficulties.