DE102009005870A1 - Individual financial condition displaying and determining device, has display surface forming necessary fulfillment and/or investment facility of individual in display phase, and display device delivers play money - Google Patents

Abstract

The device has a display surface (1) provided in a necessary field (3) and investment aspect field for delivering play money. A separable necessary and/or investment aspect is assigned to the necessary field and investment aspect field. An amount of delivered play money is provided in a display phase, where the display surface forms a necessary fulfillment and/or investment facility of an individual in another display phase. A display device delivers the play money, and is provided with display cards e.g. product card. A navigation bar (5) is provided on the display surface.

Description

The Invention / innovation relates to a display device for display and determining financial circumstances of at least one Individual, wherein the display device, a display surface includes.

The prior art includes display devices for teaching the fundamental aspects of personal finance and investment know-how as in the European patent EP 09 54 360 B1 known. The display device described therein comprises a game board, a plurality of display cards and a plurality of game pieces, the game board comprising a first web representing a first financial position and a second web representing a second financial position, wherein the second financial position relative to the first financial position is improved and wherein the first web and the second web are completely separated from each other. The multitude of display cards is for a corresponding multiplicity of individuals in order to follow changes in their respective financial situation. The plurality of game pieces are provided for a corresponding plurality of individuals, each game piece serving for selective placement on the first or second web to represent the financial condition of a corresponding plurality of individuals.

Of the Invention / innovation is the object of a display device with the features of the preamble of claim 1 in such a way, that their application for one or more individuals quickly To learn is a small amount of previous knowledge in the Financial system, the individual visualizes what financial resources (Revenues) it at a first time and in a second, in available for the future will have and what expenses to satisfy different Needs investment opportunities today and face these revenues in the future.

These The object is solved by the features of claim 1. Advantageous developments of the invention will become apparent from the Subclaims 2-23.

When At the core of the invention, it is considered that the display device Play money includes and on the display area several needs fields and / or investment aspect fields for filing the game money arranged are and every need / investment aspect field one is assigned to a separate need / investment aspect, wherein the amount of game money to be deposited in a first temporal Display section, a first value based on an actual situation of the individual and in another temporal display section of a value regarding a future situation of the Individual, with the display area with the on it deposited play money a display device concerning the needs satisfaction and / or Investment opportunities of the individual in the at least forms two display sections. This can be very general Investment scenarios are "played through" and for the individual the respective effects or financial distributions be made immediately visually perceptible.

Especially This is advantageous for the planning of old-age provision thus, the display device may include play money and on the display surface arranged several fields of need for filing the game money be, with each need field a separate need assigned. Here, the amount of game money to be deposited in a first temporal display section of personal Actual income of the (current) working life of the individual and in another temporal display section of personal future income of the individual retired, the display area with the play money deposited thereon a display device regarding the life possibilities of the individual in the at least two display sections or display phases forms.

To The beginning of the display phase is the amount of game money to be deposited for the first time display section, that is for the display section in which the current working life of the individual is displayed, determined. This amount of play money can be through the current income such as wages / income, rental income, Interest income, dividends, distributions of business participations etc. result. This money supply reflects the income of a defined Period, for example, a month, and again the individual made available. This individual, e.g. A person, gets the task of playing money on the display area arrange so that this by filing in individual fields of need assigned to concrete needs. Thereby, that the play money is stored on the display surface, is visually illustrated to the person in a simple and effective way, how much money and what is this in his current Life section has available or for what they it spends. Display area and deposit amounts of money deposited thereon form as it were one with a view of the person readable ad unit.

The display result can be written on a card over / / registered and thus recorded the. This card can be designed, for example, as a small display area that can have at least two fields per need field for entry of a first (current) and a second (eg retirement situation) monetary distribution amount. Additionally or additionally, such fields can also be provided on the actual display area. Thus, during the second play money distribution, the person can orient himself directly to the registered play money values of the previous play money distribution round. In a later display section, the personal future income of the retired person will be determined; B. from information from the pension notice, pension notice and from other future sources of income, comparable to those listed above together. This newly determined amount of play money is usually lower, as the wage / salary is higher than the expected pension, so that the person in the later time display section less play money for filing to the previously cleared from the play money of the first display section needs areas has available. When distributing future retired earnings on the display area, the future needs of the person must be considered. Thus, it is unlikely that the person in the second section (retirement scenario) will provide similar amounts of money for needs such as visiting a community college, a personal trainer, buying specialty magazines, buying new clothes, saving contracts, etc. Characterized in that the person gets in a first display section by the deposit of play money on the need fields of the display area their financial situation in the current working life displayed and read in a later display section their financial situation in retirement in the form of play money lying on the display surface in front of him /, It allows the person to visually recognize at a glance the change in both their revenue and expenditure and / or any future funding shortfalls.

Especially the use of play money is an essential feature because this gives a better sense of money can be and by assigning the game money to the individual needs a simple and quick allocation of revenue to the respective Needs is made possible.

Around the individual, hereinafter exemplified by a person should be assumed to simplify the visual capture even further and to enable a faster information gain, It is advantageous to the fields of need on the display area to arrange in groups of needs. This can be, for example This happens because the need groups are different Types of need related columns on the display surface are arranged. The need groups or columns are in an advantageous embodiment according to the principle arranged the Maslow's Bedürnispyramide. For example, on left display area a column with the physical Basic needs then lying right next to a column with the security and housing needs, again right lying next to it a column with the social contact needs, turn right next to it lying a column with status needs and social recognition needs and turn to the right lying a column with self-fulfillment needs be arranged. This is also the filing process of the game money accelerates, as well as a person using this display device used for the first time can approximately guess where they have specific needs, such as food and drink ("physical Basic needs ", in this case rather on the left Display area border) or gifts, elaborate clothing / beautiful Clothing ("status and social recognition", rather on the right side of the table). By one at the Maslowschen Need pyramid oriented arrangement of storage fields It can be immediately recognized how many resources are necessary Things and how many resources planned for unnecessary things are.

Further it is advantageous if a navigation bar on the display area is arranged, which visualizes the individual phases of the display process. In that, for example, a listing of the individual phases printed on the display surface, it is possible both the person using the display device alone as well as, for example, a leader who leads a person, be guided by this phase listing, in which Phase he is currently and which phase the following is. This ensures that even if an inexperienced Person or a novice leader uses the display device none of the individual phases is forgotten and / or a wrong one Order is performed. Furthermore it has proven to be advantageous when on the display surface In addition, fields for entering the name and the Date to be provided.

In particular, to more reliably determine the amount of gaming money to be deposited for personal retirement retirees, it is advantageous if an inflation table is included with the display device. For example, such an inflation table can be a table of inflation rates in percent to years. Thus, the person can determine their determined revenue by a previously set inflation rate in percent and the remaining years until retirement, a factor. Multiplied by this factor the person with their current estimated future income and thus receives their inflation-adjusted income. This will take into account the inflation of goods and services in the future. In this case, the display device does not cumbersomely attempt to extrapolate how expensive the individual needs are, but assumes that the costs / prices for the individual needs are comparable to the present time and that, in the future, correspondingly less revenue will be available through inflation to pay for these needs. In particular, the inflation table and the principle enabled by it to reduce the game money to be distributed makes a contribution to the simplicity of the display device and the same time high significance of the display result for the future consideration.

Around To increase the validity of the display device, it is advantageous to provide an appreciation table similar to the inflation table can be constructed and the value added in percent to the years and the individual value pairs associated factors. For example, the factor 1.97 for 10 years with 7% interest. This means that, for example, if a person over 100,000 euros and retires in 10 years and these 100,000 euros at 7% fixed rate, they this 100,000 Only multiply the euro by the factor of 1.97 found in the table, to be able to recognize that today's 100,000 euros alone result in an increase in value of € 197,000. However, this still includes capital gains tax and inflation to take into account the actual future amount today's 100,000 euros, which for 7 years invested 7% are to be determined.

Around to increase the information gain for the persons as well as the sometimes complex aspects of identifying future ones Financial situation in retirement, it is beneficial to explain further aspects on display cards. These display cards can, for example, depend on the situation, depending on the conductor to be played. The display cards are divided into categories, of which at least one of the categories product cards, persons or institution cards, deposit cards, tax / office cards, demonstration cards or knowledge cards is assigned. The terms mentioned should represent the topics of the respective display map categories. The display cards have each for better distinctness clearly assigned to them term. This term is on arranged at least one side of the display card and at the other Page can provide detailed information on the keyword serving term be provided. It is beyond that advantageous if on the provided with the term page of the display card an image representing the term is arranged. For example can be mapped for the display card child a child. These additional pictures in addition to the terms serve for faster finding of the respective map, as for example the conductor, who often uses a display device, if necessary Imagine the images faster than the concrete ones Keywords.

In An advantageous embodiment comprises a display card category Product cards containing information on at least financial products exhibit. The product cards may contain information in particular on topics such as statutory long-term care insurance, minimum pension, Supply value of freelancers, private health insurance, statutory health insurance, occupational pension, Riester pension, Rürup pension, rented condominium, own home, private pension insurance and / or capital-forming life insurance. It is to understand that the product cards consist of a plurality of Each card consists of one card each dealt with the above topics.

additional or alternatively to the product cards, the display device include a display card category "Knowledge Cards", this information on the topics of equity, economic plan, property insurance, Rent increase, the homeowner (WEG) management, Ancillary costs and household money, formerly retired, the property balance, Provide divisional declaration, notary purchase offer and / or inflation.

Alternatively, or in addition to the above-mentioned display map categories, the display device may include person cards, this information on the topics of the tax accountants, the self-employed, the circle of friends, the official, 1 child, 2 children, 3 children, bank, offer notary, the winner, the loser , the tenant, the wife, the husband, the grandson and / or the settlement notary provide. The person cards should make it possible to take into account and visualize particular personal circumstances in financial planning. For example, a person who is a twofold parent may be signaled by the appearance of two individual child cards throughout the display process of the display device having children that can have both positive and negative influences on financial planning. For example, you can usually rely on blood relatives more than on friends, which in turn can be important in old age. On the other hand, the financial burdens that are borne by a child today be taken into account. In particular, it can be noted that training costs may be incurred, mobility should be ensured for the child, family celebrations and gifts are caused by a child, etc. Such noteworthy information finds the person on the back of their child card.

additionally or in addition to the above display card categories An object card may be provided, with the object card information on the subject of insurance against disability, insurance against involuntary unemployment, tenancy law protection, custody and cash providing rental nomad and / or unwanted teachings. The Einwandkarten can be used in particular to that, for example, in the above-mentioned objections Information provided to discuss the topics involved become.

In An advantageous embodiment has a display card category the topics tax office and / or taxes on, this information on the topics the tax office, tax benefits and subsidies, tax office takes, tax office paid, prison, payroll tax reduction application, Tax Refund and / or Taxation Legal Provides pension insurance. For example, one stops Map Information on the taxation of the statutory pension insurance ready. So the person is informed by this card, that the payout amount stated in their tax assessment at the beginning of the pension still is to be taxed. Furthermore, the person through this card can also a benchmark for taxing their future pension Experienced. By considering this aspect becomes the informative value of the display device with respect to the future increased expected revenue.

additionally or alternatively to the aforementioned display map categories be provided so-called demonstration cards, this information on the topics smart card, saving, full retirement at a fraction of the usual cost, intelligence card and / or time investment. These cards are for the Demonstration that, for example, as with the card "time as an investment "time to plan finances for Retirement can be worthwhile.

The respective display map categories are advantageously colors assigned, so that corresponding color marks on at least an edge area of the respective card are arranged and it the person and / or the leader thereby enabling the individual cards to assign them to the respective display card categories and thus make it easier will be targeted to find a desired map.

In Further development of the invention, it is provided that the display device includes an individual card on which information about the personal details of the person (such as name, address, Telephone number etc.) Information regarding the housing relationship the person (net rent + utilities, etc.), information about his Employment relationship (occupation, monthly gross / net salary, etc.), information about special expenses of the person (Loans, alimony, etc.) and / or information about other reserves the person (home savings, life insurance, etc.) registered are. Such an individual card is therefore advantageous since to the values entered there during the play money amount determination phases can be resorted to the respective amounts for the play money to be deposited.

About that In addition, it may be provided that the individual card in shape a questionnaire contains questions about the display device per se, so that, for example, the conductor when he the display device has already used with several people of these each receives feedback to the display device to from the Continuing to learn from repetitive display scenarios.

The Display area is basically general as Understand display surface and can both as a stiffer Body (eg printed plastic display board with or without predetermined bending points) or as an elastic, bendable body (eg printed display field foil, paper display area) be educated.

The Invention is based on embodiments in drawing figures explained in more detail. These show

1 a schematic representation of the display surface in plan view;

2 a schematic plan view of the inflation table;

3 a schematic plan view of the value increase table;

4a , b is a schematic plan view of the individual card front side (4a) and back (4b);

5 - 65 a schematic representation of the display card front pages (Xa) and part of the display card backs (Xb).

The display device for acquiring personal financial knowledge of at least one person comprises a display area 1 as well as play money (not shown). The play money can essentially correspond to the currency of the country in which the display device is distributed, for example for a display device marketed in Germany, the play money is modeled on the European banknotes, whereby they are reduced in size to the original banknotes to simplify the display device are.

Of course can also be related to regular banknotes with the display device or any kind of play value marks (eg chip, chip, etc.).

The display area 1 As shown in Fig. 1, it is designed with respect to a display device concerning the needs of a human, and serves the embodiment as a display surface 1 in which the personal current earnings of a person's current working life are to be set out and in another second display phase section the person's personal future earnings are to be set out in retirement. This is the display area 1 in several fields of need 3 subdivided to deposit the game money, with each field of need 3 associated with a separate need. Thus, for example, in the lower left corner of the display area 1 the "Fees" need field, which is generally associated with the separate needs for fee payment, such as the GEZ charge, telephone charges, cell phone charges, and / or Internet charges. The play money is on the need fields 3 filed, while the size of the game money or the size of the need fields is selected such that the play money on the need fields 3 Place finds and possibly the need field 3 meaningful term remains visible despite the deposit of one or more play money notes. The amount of game money to be deposited in a first time display section is dependent on the personal actual income of the (current) working life of the person. In another second temporal display section, the personal future income of the retired person is assumed. The display area 1 with the play money deposited thereon thus forms a display device concerning the life possibilities of the person in the at least two display sections.

The need fields 3 on the display surface 1 are in need groups 4 arranged. For example, on the left side is the need group 4 Arranged "basic physical needs", in turn, four areas of need 3 "Nutrition", "clothing", "taxes and duties" and "fees" (arranged in a line). The groups of needs forming one column each 4 According to their hierarchy according to the Maslow need pyramid they increase from left to right in five groups of need 4 subdivided, these specifically the need groups 4 Encompassing "basic physical needs", "security and housing", "social contacts", "status and social recognition" and "self-realization", expressing from necessity a necessity character from left to right.

Furthermore, it is apparent from drawing figure 1 that on the display area a navigation bar 5 is arranged, which visualizes the individual phases of the display process. This navigation bar 5 is at the top of the display area 1 Pension Info, Initiation, Individual Card, Cash Flow, Clearance, Person Card, Investment Card, Inflation & GRV, Up & Deduction, Pension Cash Flow GRV, Colorful / Gray, Investment Cards Inflation, Simulation Pension, Simulation Circle of Friends, Einwandkarten, 400 euro job, smart card, help, individual card 2 , Circle of friends. This navigation bar 5 enables the person and / or the leader to orientate themselves in which viewing phase they are currently in and what the subsequent viewing phase is.

In drawing Figure 2 is an inflation table 6 shown. This inflation table 6 consists of a headline 7 , a sample calculation 8th as well as the actual table in the a multiplication factor 9 is listed for the assignment of years to a concrete average inflation percentage. With the help of this inflation table, the amount of game money to be deposited for personal future earnings can generally be more accurately determined. For example, if a life insurance policy expiry date is 50,000 euros in 25 years with an inflation of 3%, the table for the value pair 25 years and inflation 3% the multiplication factor 0.467 can be derived from the table, so that by multiplying the expiry date of life insurance (in in this case 50,000 euros) with the multiplication factor 9 results in an "actual" payout value of 23,350 euros.

Further, the display device may have an appreciation table 10 according to drawing figure 3, with the aid of which the amount of gambling money to be deposited for the personal future income in retirement can be determined. This value increase table 10 is similar to the inflation table constructed from Figure 2. She also has a headline bar 11 , a sample calculation 12 and a tabular listing of a multiplication factor 13 which is line-specific by year and column-specific ascending according to the increase in value in percent is listed. So can from the value increase table for the value pair 10 Years and 7% a multiplication factor 13 of 1.97, this multiplication factor 13 is multiplied by the 7% fixed rate for 10 years and the product received indicates the value of the capital after 10 years.

The display device further comprises an individual card 14 , which is exemplified in drawing figures 4a (front) and 4b (back). This individual card is used for visualization and, if necessary, for archiving the core data of the person. So this individual card includes 14 the field "Personal details", "Housing", "Employment relationship", "Special expenses", "Other reserves" (all 4a ) as well as the arrangement of a survey area, in which about the display device and the effects of the findings of the person is summed up. Also, information about other people in the circle of acquaintances of the person who might also be interested in using such a display device can be entered on the individual card, so that a distribution of the display device is ensured in this way.

In the following drawing figures 5a-65b are each the front pages (marked with a) and the backs (marked with b) of the individual display cards 2 the display device, wherein the following reference numerals, which refers to the display cards 2 reference, with reference to the drawing figures 11a and 11b (Rürup pension card) were used. The display cards 2 are uniformly constructed, so include these on the front of a colored bar 15 at the top, which allows a thematic group assignment of individual display cards. In the beam 15 is also one of the respective display card 2 specific letter abbreviation 16 assigned so that in a "fanning" of the cards the skilled person by identifying the letter abbreviation targeted the desired card 2 can choose. The map 2 still has a concept 17 who the card 2 thematically as well as one 18 that the term 17 thematically visualized. On the back (not shown) of the card 2 is an explanatory text (not shown) for explaining the term 17 arranged and possibly a reference or a reference (not shown), the person or the reader of the card 2 enabled to validate what is said in the text via reputable sources.

The backs of the in the 5 to 11 . 15 to 65 The following maps have the following texts, with references to corresponding Wikipedia URLs also to be found on the back of the map:

5 : GPV Legal Care Insurance. For insured persons, the contribution rate from 1 July 2008 is 1.95% (previously 1.7%) of the gross amount of the salary or pension - but only up to the maximum amount for health insurance, currently (2008) monthly 3600 EUR - (see Social Code XI § 55). Family members are insured without any contribution if the health insurance company has a claim to family insurance. Pensioners have been contributing to nursing care insurance alone since 1 April 2004; before that they received a 50% contribution from the pension insurance institution. The receipt of benefits from the long-term care insurance does not release the contribution payment.

6 : MR Minimum pension, the purpose of the basic security "[...] is to provide a separate social benefit for old and for permanently disabled people, which ensures the basic need for livelihood." The basic insurance thus fulfills the same function as the aid for a living in social welfare, but for a different group of people (Hartz IV). The benefits are based on § 42 SGB XII and correspond to those of the help for living in social assistance. From 1 July 2008, the monthly standard rate will be € 351 for single people or for the head of household and for household members each 80% of the standard rate of the head of the household. Income is credited, children and spouses can be obliged to keep.

• – Geldwerte müssen inflationsbereinigt werden Nachgelagerte Besteuerung wie in der GRV (siehe Karte Rentenbesteuerung GRV)
• – Veränderung von Kapitalmarktzinsen (siehe Pensionskassen in USA)

7 : VFR pension schemes of freelancers, as a freelance or a freelance profession are referred to activities that (under current German law) are not subject to the Industrial Code and according to § 18 EStG independently practiced scientific, artistic, literary, teaching or educational (or very similar) activities , Freelance workers such. Doctors, pharmacists, architects, lawyers, tax consultants, etc. have their own pension schemes which usually force law must be joined (compulsory membership) as a replacement for the GRV. There are various liberations from this options, but these have to be checked individually. Advantages of the pension schemes are that, in contrast to the statutory pension insurance, here a capital coverage procedure (each has its own actual account) is used and no pay-as-you-go (what is paid today will be issued tomorrow). You can request a pension forecast from your pension plan as in the GRV. Note:

• - Monetary values must be adjusted for inflation Downstream taxation as in the GRV (see card Pension Taxation GRV)
• - Changes in capital market rates (see US pension funds)

8th : KNA Prison, since mid-2008, a tax identification number has been issued for every German citizen, which makes the uniform assignment of pensions, interest and other income possible. In this way, every form of tax reduction is detectable. Tax evasion is punishable for up to 5 years.

• – Geldwerte müssen inflationsbereinigt werden
• – nachgelagerte, volle Versteuerung, da die Beiträge aus unversteuertem Geld kommen
• – Wartezeit, Unverfallbarkeit bei Betriebswechsel

9 : BAV company pension. Congratulations, you have established an important pillar for retirement provision. Please note:

• - Monetary values must be adjusted for inflation
• - Downstream, full taxation, as the contributions come from untaxed money
• - Waiting time, vesting on change of business

• – Geldwerte müssen inflationsbereinigt werden
• – nachgelagerte Besteuerung nach Rentenbeginnjahr (wie GRV)
• – kein steuer- und zulagenunschädlicher Zugriff auf das gesamte Kapital möglich
• – primär interessant für Geringverdienende mit vielen Kindern

10 : RIR Riester pensions. Congratulations, you have already made some provision. Please note:

• - Monetary values must be adjusted for inflation
• - Downstream taxation after the beginning of the pension year (like GRV)
• - no tax-free and unquestionable access to the entire capital possible
• - Primarily interesting for low earners with many children

• – Geldwerte müssen inflationsbereinigt werden
• – nachgelagerte Besteuerung nach Rentenbeginnjahr (wie GRV) (siehe Karte Rentenbesteuerung GRV)
• – kein Kapitalwahlrecht
• – unflexibel (Rückkauf, Übertragung, Schenkung nicht möglich)
• – bei Tod des Sparers verfällt das gesamte Kapital

11 : RÜR Rürup pension. Congratulations, you have already made some provision. Please note:

• - Monetary values must be adjusted for inflation
• - Downstream taxation after the beginning of the pension year (like GRV) (see card Pension Taxation GRV)
• - no capital option
• - inflexible (repurchase, transfer, gift not possible)
• - If the saver dies, the entire capital expires

15 : SVS Tax Benefits & Grants. The state grants tax benefits and subsidies when it considers expenditures as investments in society (labor, production, housing, infrastructures). Also, income-related expenses must be tax-deductible when generated through these (taxable) revenues. So always invest so that you use many subsidies, so you do not have to pay alone.

• – Geld gegen Zins verwahren.
• – Geld gegen höheren Zins verleihen.
• – Die Bank verdient an der Differenz (Marge).
• – Die Bank will stets Sicherheiten für Darlehen (Eigenkapital).

16 : BK Bank. The banking industry was originally founded by the guild of goldsmiths who took custody of valuables and issued receipts (money). The basic business of the bank:

• - keep money against interest.
• - lend money for higher interest.
• - The bank earns on the difference (margin).
• - The bank always wants collateral for loans (equity).

17 : KNO tender notary The notary (lat. "Notarius", Geschwindschreiber) is a publicly appointed body, the documents notarized (= reads, explains and instructs). In Germany, all real estate transactions are notarised. The notary is obliged by law to neutrality (unlike the lawyer). The notary can certify real estate purchase contracts or only offers. Unlike the settlement notary, this is usually a notary near the buyer.

• – Versicherungen
• – Instandhaltungsrücklagen
• – Heizung
• – Strom
• – sonstige Kosten (Hausmeister, Verwaltung)

18 : NKV ancillary costs & house money. As a house money colloquially (prepay) payments on the basis of a business plan to the administrator or in a detached house to the suppliers referred. It contains:

• - Insurance
• - Maintenance reserves
• - Heater
• - Electricity
• - other costs (caretaker, administration)

Watch out: The utility costs have increased by 6% per year over the past 30 years, even 8% in the last 5 years.

• – Die Mieteinnahmen, die Sie heute bekommen, brauchen nicht inflationsbereinigt werden, da die Mieten stets starker steigen als die Inflation.
• – Sie haben in einen Sachwert investiert.
• – Sie haben im Gegensatz zu einer Rentenversicherung keinen Kapitalverzehr (Vererbung, große Investitionen).
• – Sie sparen pro 100 Euro tatsächlich rund 800 Euro.

19 : VET Rented Condo. Very well done! They have already established an important pillar of private retirement provision. What was smart about your decision:

• - The rental income you get today does not need to be adjusted for inflation, as rents are always rising faster than inflation.
• - You have invested in a tangible asset.
• - In contrast to a pension insurance, you have no capital consumption (inheritance, large investments).
• - You actually save about 800 euros per 100 euros.

• – Lebenserwartung: 82,1 Jahre
• – Tendenz steigend durch verbesserte Medizintechnik
• – Regelaltersrente mit 67 Jahren ab *1964. Bei früher Geborenen reduziert sich das Renteneintrittsalter um 2 Monate pro Jahr bis zum max. 65. Lebensjahr. (Geburtsjahr: 1963 = 66 Jahre + 10 Monate 1962 = 66 Jahre + 8 Monate, ... 1946 = 65 Jahre)
• – tatsächlicher Durchschnittsrenteneintritt liegt bei 63,1 Jahren aufgrund von Arbeitslosigkeit oder Gesundheit
• – Durchschnittsrente 2004: 508 Euro

20 : FR woman.

• - Life expectancy: 82.1 years
• - Tendency rising through improved medical technology
• - Standard retirement pension at the age of 67 from * 1964. For those born earlier, the retirement age is reduced by 2 months per year to the max. 65th year of life. (Year of birth: 1963 = 66 years + 10 months 1962 = 66 years + 8 months, ... 1946 = 65 years)
• - Actual average retirement age is 63.1 years due to unemployment or health
• - average pension 2004: 508 euros

• – Nebenkostenkarte (6%)
• – Rücklagen für Modernisierung

21 : EH home. Very well done! You have already set up an important private pillar of retirement provision. Please note:

• - Service charge card (6%)
• - Reserves for modernization

• – Lebenserwartung: 76,9 Jahre
• – Tendenz steigend durch verbesserte Medizintechnik
• – Regelaltersrente mit 67 Jahren ab *1964. Bei früher Geborenen reduziert sich das Renteneintrittsalter um 2 Monate pro Jahr bis zum max. 65. Lebensjahr. (Geburtsjahr: 1963 = 66 Jahre + 10 Monate 1962 = 66 Jahre + 8 Monate, ... 1946 = 65 Jahre)
• – tatsächlicher Durchschnittsrenteneintritt liegt bei 63,1 Jahren aufgrund von Arbeitslosigkeit oder Gesundheit
• – Durchschnittsrente 2004: 1015 Euro

22 : Ma man

• - Life expectancy: 76.9 years
• - Tendency rising through improved medical technology
• - Standard retirement pension at the age of 67 from * 1964. For those born earlier, the retirement age is reduced by 2 months per year to the max. 65th year of life. (Year of birth: 1963 = 66 years + 10 months 1962 = 66 years + 8 months, ... 1946 = 65 years)
• - Actual average retirement age is 63.1 years due to unemployment or health
• - average pension 2004: 1015 euros

• – zerfrisst Geldwerte
• – ist neutral beim Sachwert
• – macht Gewinne bei finanzierten Sachwerten

23 : INF inflation

• - eats away monetary values
• - is neutral in material value
• - makes profits on financed assets

inflation from Latin "inflare" = "inflate". Inflation means that the money supply relative to the existing goods increases. This leads to a loss of value of money. The inflation rate is given in% per year. she is calculated on the basis of a "basket of goods" defined by the Federal Statistical Office. critic claim the shopping cart would be nicely put together, to better represent actual inflation (1 DM = 1 EUR) "Feeling inflation".

• Abzgl. Werbungskostenpauschale von 1600 Euro pro Jahr. Durchschnittswert 20% Steuer.

24 : GRV pension tax law. Pension insurance. Statutory pension insurance: from 2005 "downstream taxation" admission year taxable share 2005 50% 2006 52% 2007 54% 2008 56% 2009 58% 2010 60% 2015 70% 2020 80% 2025 85% 2030 90% 2040 100%

• Minus. Advertising fee of 1600 Euro per year. Average 20% tax.

• – Geldwerte müssen inflationsbereinigt werden.
• – Die Versteuerung des Eigenanteils ist abhängig von Ihrem Alter bei Rentenbeginn (§22 Einkommenssteuergesetz): Mit 65 Jahren müssen 18% versteuert werden, je jünger desto größer ist der Steueranteil.
• – Überschussanteile sind nicht garantiert, meist keine Vererbung.

25 : PRV Private Pension Insurance. Congratulations, you have already developed a pillar for retirement. Please note:

• - Monetary values must be adjusted for inflation.
• - The taxation of the own share depends on your age at retirement (§22 income tax law): At 65 years must be taxed 18%, the younger the greater the tax share.
• - Surplus shares are not guaranteed, usually no inheritance.

• – Geldwerte müssen inflationsbereinigt werden.
• – Verträge nach 2005: der Kapitalertrag ist zur Hälfte mit dem persönlichen Steuersatz zu versteuern (also max. 22,5%).
• – Beachten Sie die Mindestlaufzeiten, sonst werden Ihre Kapitalerträge voll versteuert (12 Jahre).
• – Durch die Abgeltungssteuer 2009 wird diese Regelung nicht verändert.

26 : KLV Capital-forming life insurance. Congratulations, you have already established a pillar for retirement provision. Please note:

• - Monetary values must be adjusted for inflation.
• - Contracts after 2005: Half of the capital yield is taxed at the personal tax rate (ie a maximum of 22.5%).
• - Note the minimum terms, otherwise your capital gains will be fully taxed (12 years).
• - The 2009 withholding tax does not change this rule.

• – Familienfeste (Taufe, etc.)
• – Geburtstage & Geschenke
• – Mobilität
• – Freizeitaktivitäten
• – Einladungen

27 : EN grandchildren. Congratulations, your genes are not lost. Note:

• - Family celebrations (baptism, etc.)
• - Birthdays & Gifts
• - Mobility
• - Free time activities
• - Invitations

• – Ausbildungskosten
• – sichergestellte Mobilität
• – Familienfeste & Geschenke
• – Besuche
• – Heirat, Taufe, etc.
• – eventuell Vererbung

28 to 30 : K1 child. "Blood is thicker than water," says the vernacular, meaning that one can rely on blood relatives usually more than on friends. Often this is important in old age. Children nowadays spend a lot of money. Note:

• - Training costs
• - guaranteed mobility
• - Family celebrations & gifts
• - Visits
• - marriage, baptism, etc.
• - possibly inheritance

• – IST-Wert des Depots/Bargeld mit konservativem Zinssatz aufzinsen.
• – Da es sich um einen Geldwert handelt, muss dieser anschließend inflationsbereinigt werden.
• – Wenn mit Kapitalverzehr über 20 Jahre bei 6% Guthabenszins gerechnet wird, können Sie pro 10.000 EUR (inflationsbereinigt) 71,64 EUR monatliche Entnahmen tätigen.
• – Beachten Sie die Kapitalertragssteuer.
• – Beachten Sie die Inflation während der Entnahmezeit.
• – Beachten Sie die gestiegene Lebenserwartung.

31 : DBA Deposit & Cash. Congratulations, you have accumulated liquidity, which you can consume at retirement age. Note:

• - Amount of the deposit / cash is discounted at the conservative interest rate.
• - Since this is a monetary value, it must subsequently be adjusted for inflation.
• - If capital consumption over 20 years at 6% credit is expected, you can per 10,000 EUR (adjusted for inflation) EUR 71.64 monthly withdrawals.
• - Note the capital gains tax.
• - Note the inflation during the withdrawal period.
• - Note the increased life expectancy.

32 : WP economic plan. The economic plan is, according to the Home Ownership Act, a statement that is for the calendar year expected income and expenditure, which is created by the administration. On the basis of the approved economic plan, the household payments of the homeowner have to be paid to the property management (WEG). The economic plan is drawn up by the administrator and decided by the owner community. See map: Chargeable and non-recoverable charges.

• – Ihren Feinden sagen Sie kein Wort.
• – Ihren Freunden, mit denen Sie auch Ihren Lebensabend verbringen möchten, bzw. von denen Sie nicht im Restaurant bedient werden möchten, empfehlen Sie bitte das Rentenroulette.
• – Überlegen Sie also gut, mit welchen Leuten Sie sich später in welchem finanziellen Zustand umgeben werden und empfehlen Sie das Rentenroulette weiter!

33 : FK friend card. Congratulations, you now have knowledge that very few citizens in the Federal Republic possess. You should not keep this knowledge for yourself, because you do not live alone in the FRG. Your well-being depends, among other things, on the well-being of your environment (friends). Please do the following:

• - Do not say a word to your enemies.
• - Please recommend the pension roulette to your friends, with whom you would also like to spend your retirement or do not want to be served in the restaurant.
• - So think well, with which people you are later surrounded in what financial condition and recommend the pension roulette on!

• – die das Sparziel reduziert, indem die Inflation neutralisiert wird;
• – wenn Subventionen genutzt werden;
• – wenn möglichst viele Parteien mitbezahlen;
• – wenn man idealerweise noch von der Inflation profitiert.

34 : SC smart card. The definition of smart is "enterprising, clever, clever" and comes from the origin English smart = sharp, cutting = sharp wit. Basically, one can call any form of investment strategy as "smart" in retirement provision,

• - which reduces the savings target by neutralizing inflation;
• - if subsidies are used;
• - if as many parties as possible pay;
• - if you still ideally benefit from inflation.

And by these smart actions as little as possible from the present Net must give in order to maximize inflation-adjusted To get pension.

Therefor you need a smart care advisor, in addition to know-how also has vitamin B

• – Feuerversicherung (Brand, Blitzschlag, Explosion, etc.)
• – Leitungswasser (Leitungswasser, Frost- und sonstige Bruchschäden) Sturmversicherung (Sturm, Hagel)
• – Haus- und Grundbesitzerhaftpflicht

35 : GBV Property Owners Insurance. For condominiums, the administrator is required under WEG law to take out the following insurance:

• - Fire insurance (fire, lightning, explosion, etc.)
• - tap water (tap water, frost and other breakages) storm insurance (storm, hail)
• - House and landowner liability

owners of single or multi-family houses is strongly recommended as well to complete this insurance.

36 : RS Mietrechtsschutz. A special tariff will cover you for each legal dispute with a deductible of 150 EUR up to 1 million EUR. The annual fee is independent of rental value and costs EUR 125.41 per apartment including insurance tax. Also covered are garages and car parking spaces, as well as disputes over mortgage land charges and other burdens that rest on the apartment. Since this case involves income-related costs (third-party leasing), these legal costs are deductible. There is also extrajudicial insurance coverage.

• – Abrechnung mit den Eigentümern
• – Einzug von Hausgeld
• – Bezahlung von Rechnungen an Versorger, etc.
• – Abhalten von Eigentümerversammlungen
• – Instandhaltung des Gemeinschaftseigentums

37 : WEG The apartment owners (WEG) management. The WEG administration has the task to manage the different owners in a house and to get "under one hat". The WEG administrators have a variety of tasks, which are regulated in the WEG law. These include:

• - Billing with the owners
• - Collection of house money
• - Payment of bills to suppliers, etc.
• - holding of owner meetings
• - Maintenance of community property

Rule of thumb: The WEG administration manages the owners, not the Tenant. The area of responsibility ends on the doorstep of the renter.

• – Der Zuschuss zur privaten Krankenversicherung durch die gesetzliche Rentenversicherung beträgt rund 8% der (inflationsbereinigten) Rente.
• – Steigende Medizinkosten führen in der privaten Krankenversicherung zu steigenden Beiträgen.
• – Auch so genannte Altersrückstellungen werden das nur leicht abfedern können.
• – Beachten Sie Selbstbehalte bei der finanziellen Planung.
• – Der Wechsel in einen Basistarif ist im Alter möglich, jedoch nur mit der Leistung ähnlich der gesetzlichen Krankenversicherung. Ausgerechnet dann, wenn Sie sie am dringendsten benötigen.

38 : Private health insurance (PKV). Congratulations, you are at least on the right page in the future 2-class medicine. Note, however:

• - The subsidy for private health insurance by the statutory pension insurance is around 8% of the (inflation-adjusted) pension.
• - Rising medical costs lead to rising contributions in private health insurance.
• - Even so-called retirement provisions will cushion this only slightly.
• - Consider deductibles in financial planning.
• - The change to a basic rate is possible in old age, but only with the benefit similar to the statutory health insurance. Ironically, when you need it most.

• – Zuzahlung für Medikamente
• – Praxisgebühr pro Quartal (10 EUR)
• – Zuzahlung bei Zahnersatz im erheblichen Maße

39 : GKV Statutory Health Insurance (GKV). After retirement, half of the health insurance contribution (15.8%) is payable by the pensioner on all income (including pensions). In addition, there is a so-called "sustainability contribution" according to § 241a SGB V, which is payable by the pensioner alone (0.9%). Note:

• - additional payment for medication
• - Practice fee per quarter (10 EUR)
• - Copayment of dentures to a considerable extent

40 : FRE Retired earlier. Condition: At least 35 years of insurance must have accumulated. In this case, the standard retirement pension can be reduced from 67 years to 63 years, provided you are prepared to accept a 0.3% discount for each month you claim the pension earlier. So up to 18%.

• – Abwasserkosten
• – Stromkosten der gemeinschaftlichen Beleuchtung
• – Straßenreinigung
• – Müllbeseitigung
• – Hausreinigung
• – Kosten des Betriebs eines Aufzugs
• – Heizkosten, wenn eine gemeinschaftliche Heizungsanlage vorhanden ist
• – Gartenpflege
• – Hausmeister (nur umlagefähiger Anteil)
• – Schornsteinreiniger
• – Hausversicherungen
• – Winterdienst
• – laufende Kosten für eine gemeinschaftliche Antennen- oder Empfangsanlage
• – Betriebs- und Wartungskosten der gemeinschaftlichen Waschküche
• – sonstige umlagefähigen Betriebskosten
• Nicht umlagefähigen Kosten:
• – Hausmeister (z. B. für Instandhaltung, Instandsetzung, Erneuerung, Schönheitsreparaturen)
• – Kosten des Geldverkehrs
• – Verwalterentgelt
• – Instandhaltungsrücklage
• – sonstige nicht umlagefähigen Kosten (z. B. Anschaffung eines Rasenmähers)

41 : UNK reimbursable & non-recoverable additional costs. Apportionable means that the costs can be settled with the tenant. Recoverable operating costs: water costs

• - wastewater costs
• - electricity costs of the Community lighting
• - street cleaning
• - garbage disposal
• - House cleaning
• - Cost of operating an elevator
• - Heating costs, if a communal heating system is available
• - Garden maintenance
• - caretaker (only apportionable share)
• - Chimney cleaner
• - home insurance
• - Winter service
• - running costs for a common antenna or receiving system
• - Operating and maintenance costs of the communal laundry room
• - other allocable operating costs
• Non-recoverable costs:
• - Caretaker (eg for maintenance, repair, renovation, cosmetic repairs)
• - Bank charges
• - Administrator fee
• - Maintenance reserve
• - other non-recoverable costs (eg purchase of a lawnmower)

• – Überwachen der Mietzahlungen
• – Anmahnen von säumigen Mietern
• – regelmäßige Abrechnung gegenüber den Eigentümern
• – Erstellung der jährlichen Nebenkostenabrechnungen
• – Prüfung aller monetären Vorgänge auf Richtigkeit und Effizienz
• – Buchführung für Steuer
• – Durchführen von Renos etc. nach Rücksprache mit dem/den Eigentümern)
• – Wohnungsabnahmen und Neuvermietung zur Vermeidung von Leerstand
• – Ansprechpartner für Mieter (z. B. Wasserhahn tropft)
• – und weitere

42 SEV Rental Administration (SEV) The tenant management manages the tenants for the owner In contrast to the WEG, the field of activity behind the apartment entrance door begins:

• - Monitor the rental payments
• - Reminder of defaulting tenants
• - regular billing to the owners
• - Preparation of annual service charges
• - Checking all monetary transactions for correctness and efficiency
• - Accounting for tax
• - Perform Renos etc. after consultation with the owner (s))
• - Apartment acceptances and new leases to avoid vacancy
• - contact person for tenants (eg water tap dripping)
• - and more

• – alle möglichen Subventionen nutzen
• – möglichst viele Parteien in den Investitionsflow mit einbeziehen
• – relevante Risiken absichern
• – und dabei trotzdem die laufende Liquidität sicherstellen

43 : VVS The full-service specialist. Full-time care specialists are trained financial professionals who minimize their monthly personal investment in full retirement care for their clients by:

• - use all possible subsidies
• - Include as many parties as possible in the investment flow
• - hedge relevant risks
• - while still ensuring ongoing liquidity

Note However, that such advice takes some time to attention and work, which is by no means incidentally possible is. You really need to take your time. But we can assure you that it's worth it.

44 : ZAI time as an investment. Have you ever calculated how high your net hourly wage is compared to the gross hourly wage? Do that once. You can tell what would happen if you take your time (eg, 20 hours) to really plan, rearrange, and rearrange your finances with the goal of achieving fuller follow-up. Experience shows that these are the best paid hours you will ever have in your working life. Become a winner, invest your time, not just in the treadmills of everyday life.

• – Sie glauben an sich.
• – Sie planen ihre Zukunft und überlassen dies nicht dem Zufall.
• – Sie informieren sich über wichtige Vorgänge.
• – Sie haben meist die besten Berater.
• – Sie versuchen sich, wenn möglich, mit möglichst vielen Gewinnern zu umgeben, um davon zu lernen.
• – Sie sind bereit, kalkulierbare Risiken auf sich zu nehmen.
• – Sie schauen auch unangenehmen Dingen ins Auge.
• – Sie ziehen ihre Aktionen durch.
• – Sie lassen sich von ihrem Plan und Weg nicht von anderen ablenken.

45 : GW According to an analysis, the winner winners have the following points in common:

• - They believe in themselves.
• - You plan your future and do not leave this to chance.
• - They inform themselves about important processes.
• - You usually have the best advisors.
• - They try to surround themselves with as many winners as possible to learn from them.
• - You are ready to take calculable risks.
• - You also look at unpleasant things.
• - They go through their actions.
• - They are not distracted from their plan and path by others.

• – Sie bilden sich keine eigene Meinung, sondern sind immer von der Meinung anderer abhängig.
• – Sie haben keinen Plan und keine Strategie, sondern rennen den Medien und Trends hinterher.
• – Weil sie ihr Leben nicht planen, sind sie leicht zu verunsichern und kommen deswegen nicht vorwärts.
• – Sie ziehen nichts bis zum Ende durch.
• – Sie verlassen sich auf ihr „Bauchgefühl”, das jedoch mit zunehmendem Verlieren immer schlechter wird.

46 : VL The loser. Just as winners were analyzed, losers were also analyzed. They have the following in common

• - You do not form your own opinion, but always depend on the opinion of others.
• - You have no plan and no strategy, but run after the media and trends.
• - Because they do not plan their lives, they are easily confused and therefore can not move forward.
• - You do not pull anything to the end.
• - They rely on their "gut feeling", which gets worse and worse as they lose.

47 : MIE The tenant. Tenant is called a person who is given a lease by the landlord on the basis of a lease. In return, the renter owes the landlord the rent. Since rents have on average always risen a little more than the inflation rate, a renter pays an initial rent of EUR 500, which is increased by 3% per year, and EUR 809.364 within 30 years (assuming that he also pays this money at 5%) % could have invested). Smart bargain hunters therefore use the "hired chicken, which lays ever thicker eggs", to protect their pension from inflation. Also, you should quickly see that you yourself leave the Miethuhn existence. Rental income as a pension is also clever insofar as depreciation usually leaves 1/3 of the rental income tax-free.

• – Abschreibungen des Gebäudes
• – Renovierungsmaßnahmen
• – Versicherungen, die mit Vermietung und Verpachtung zu tun haben
• – Finanzierungsvermittlungsgebühren
• – Schuldzinsen, die Sie an die Bank bezahlen
• – Disagio (Zinsvorauszahlung)
• – Etc.

48 : UNCLOS tax refund. Congratulations, you have broken the eternal flow of payment in one direction. Finally you get something from the tax office. Tax refunds are generally available for investments that conflict with (potential) revenue. These are z. Eg for real estate:

• - Depreciation of the building
• - Renovation measures
• - Insurance related to rental and leasing
• - Financing fees
• - Debt interest that you pay to the bank
• - Disagio (interest prepayment)
• - Etc.

Cunning Savvy foxes use tax refunds and subsidies, not to the cost of the later private pension to wear alone.

49 : TE declaration of division. Before March 15, 1951, only rich people were able to buy so-called "apartment buildings" in order to secure their pension. According to German law, a property is defined as "a property with or without development". Thus one could only buy a whole house in the past, since only the property was sellable. With the entry into force of the WEG law on the date mentioned above, it is possible to divide a single house into many condominiums by means of a divisional declaration. The declaration of division regulates, among other things, who owns what, who has which duties and how the costs are to be distributed. Since this date, the "normal earner" can build a real estate assets based on condominiums.

50 : ANO The settlement notary. The settlement notary is usually a notary who performs the complete processing (purchase, allocation, sale) for one or more commercial sellers. Offers submitted to tenders (usually notaries at customers' sites) are sent to the settlement notary, who arranges everything else with the offices and the land register. See also map offer notary.

51 : KA Notary purchase offer. Under German law, a contract consists of offer and acceptance. To ensure that apartment buyers can secure their property, make a notarized purchase offer. Until the acceptance at the settlement notary so no purchase contract has come about. This gives the buyer the opportunity to not hastily sign a loan with his house bank, but to be able to look around for the most favorable conditions. Customers should, however, have the seller confirm that the offer to purchase will not be accepted until the commitment has been made in writing.

52 : IBI The Property Balance.
actual interest of the investors actually invested about 1 EUR itself, 5 EUR the tenant and the tax office another 1.50 EUR. Thus, every euro is worth at least 7.50 EUR. Although this is simplified, but still the fundamental principle of asset accumulation with leased real estate. In addition, the savings target is greatly reduced by the freedom from inflation.

53 : MN The rental nomad. Lent nomads are more recently referred to as people who move from one apartment to another, with the intention of paying no rent or temporary rent. These people usually leave the apartments in a neglected state. (By nomad = member of a non-settled hikers) Although the impression in the press may be that rent nomads are on the agenda, the ratio is even lower than 1: 2000. You protect yourself against rent nomads by buying apartments with long-term tenants whose payment history is known. When re-letting you simply let a Schufa information through your service provider, as rental nomads usually do not pay their cell phone contracts. Telephone inquiries to the previous tenant are also very helpful. With this package of measures, rent nomadism is almost impossible.

54 : UL Unintentional vacancy. The current vacancy rate in North Rhine-Westphalia, for example, is 3%. But that does not help you if you belong to the 3%. According to studies vacant apartments are either in bad, outdated condition or the rental claim is overdrawn. Clever landlords always equip your apartments with highlights and keep them in good condition (decent floor coverings, steam shower, etc.). Especially fitted kitchens are a decisive competitive advantage and usually have a return on equity of more than 25%. The real estate specialist you trust has access to discounted highlights and knows all the tricks. Always calculate enough liquidity for any renovations. Then you would also be among the winners with vacancy rates of 20%.

55 : LSE withholding tax reduction request. You can use the wage tax reduction request to already enter known advertising costs directly into your income tax card. In this way, you will receive more net monthly payments. But do not forget to set aside the monthly extra net for your investments. In the year of a real estate purchase, tax offices are not obliged to enter the tax advantage, but only in the next year. Mostly it is still done anyway. You can download forms from the homepage of your tax office. Professional real estate companies automatically offer this as a service.

56 : STB The tax advisor. Due to the ever more complicated tax law, the services of tax advisors are becoming more and more necessary. However, as the tax consultants are often completely overloaded themselves, due to the daily flapping new tax regulations, you are usually only to answer questions and not proactive advice. Or when did your tax adviser call you the last time and point out a problem (eg pension problem)? Accountants do not release you from your own responsible information acquisition and decision-making.

57 : FA The tax office. The tax offices are provincial authorities, whose task is defined in the law on the financial administration. Basically, a distinction is made between direct taxes (income tax, income tax) and indirect taxes (value added tax, petrol tax, etc.). Adding all taxes together, remains of 1 EUR in the course of the flow just 0.20 EUR left. Smart taxpayers use the tax office to build up their retirement benefits through tax subsidies.

58 : GSE The self-employed. According to European law, self-employed persons are defined as persons who are the sole or joint owners of a company (a company without legal personality, eg a GmbH) in which they work. The remuneration for self-employed workers is the independent income. Self-employed are not compulsory insured (GRV & GKV), but can voluntarily insure, which is not recommended. Existing private pension products must be extrapolated according to the individual cards (occupational pension, life insurance, pension insurance, etc.) adjusted for inflation and depreciated with capital (card deposit statement, cash). Age reserves in some products may be tax deductible as so-called pension expenses with maximum amounts.

59 : EK equity. Equity is understood by individuals as the capital available for investment or as collateral. Banks rate some forms of equity (eg equities) only with a discount of up to 50%. Without vitamin B and good contacts in the banking world, you have to estimate between 20 and 30% equity for a real estate purchase. Note the problem of saving time (see card saving). Financing without equity is virtually impossible for non-professionals.

60 : HIS Save After. Let's say you want to buy a self-catering property worth 300,000 EUR. For this you need 20% equity and decide monthly 500 EUR × 12 months × 10 years = 60,000 EUR plus 15,599.04 EUR (at 4.5% balance without tax) to save. Due to inflation, however, the real estate has risen at least mathematically from € 300,000 to € 402,000. Although you've sacrificed so much, you are now farther away from your destination than you were before. Therefore, save instead of saving (do not spare afterwards).

61 : MEH rent increase. Since the tenancy law is complicated, rent increases should be carried out by professionals (rental administration). Here are the key data: The rent can be increased every three years by max. 20% increase. For new rentals, they can always be adapted to the current rate (supply and demand). Graduated leases can be arranged. Rent increases may be made on the basis of comparable rents or on the basis of the rent index. Smart money foxes buy rented apartments with market rents and fix the loan interest rates in the long term. After one or two rent increases, the property thus becomes a self-run (self-paying pension insurance). (see map "The Real Estate Balance Sheet")

62 : Retired VVR at a fraction of the usual cost. That's actually the ideal. Their finances were planned in such a way that during the investment phase they did not have to give up consuming too much, they used subsidies and helped others with their own supply. In this way, you can truly achieve full retirement benefits provided you balance the ratio between monthly investment and annual inflation-adjusted pension cash flow. Of course you have to go extraordinary ways for this. Good luck on your way to full supply!

63 : BE The official. The pension (pension) is a pension that in Germany only civil servants, judges, soldiers and other persons in public service employment, get when they have reached retirement age. Full service year × 1,79375 (after 50 years the highest possible value of all 70,75). The percentage value achieved is multiplied by the current subscription entitlement of an active official. Supplements and discounts are calculated individually. Part time reduces the annual rate by the corresponding part-time factor. Income from employment is credited to pensions. Note the inflation after retirement.

64 : AU insurance against incapacity. Insured the case of disability. The monthly investment and the monthly tax savings should be insured. Performance: Monthly Payment of the agreed installment after 3 months waiting period for the duration of the incapacity to work, max. until the end of the insurance period. This is possible several times in the insurance period. Duration of insurance: 5, 8, 10, 12 or 15 years. Age limits: at least 18 years, max. 49 years, ends with the 55th birthday. Waiting period: Only for insured events due to serious pre-existing conditions during the first 24 months. Start: With first premium receipt. Contribution: Once per 100 EUR monthly insured sum (round to 10 EUR), 332 EUR. (5 y.), 579 EUR (8 y.), 739 EUR (10 y.), 957 EUR (12 y.), 1209 EUR (15 y.). Uninsured unemployment is automatically covered (see card for involuntary unemployment).

• – Versichert den Fall der unverschuldeten Arbeitslosigkeit. Versichert werden sollte die monatliche Investition & die monatliche Steuerersparnis.
• – Leistung: monatl. Zahlung der vereinbarten Rate nach 3 Monaten Karenzzeit für die Dauer der Arbeitsunfähigkeit, max. bis Ende der Versicherungszeit. Dies ist mehrmals in der Versicherungszeit möglich.
• – Versicherungsdauer: 5, 8, 10, 12 oder 15 Jahre
• – Altersgrenzen: mind. 18 Jahre, max. 49 Jahre, endet mit dem 55. Geburtstag.
• – Wartezeit: 6 Monate
• – Beginn: Mit erstem Prämieneingang
• – Beitrag: Einmalig pro 100 EUR monatlicher Versicherungssumme (auf 10 EUR runden), 332 EUR (5 J.), 579 EUR (8 J.), 739 EUR (10 J.), 957 EUR (12 J.), 1209 EUR (15 J.)
• – Erwerbsunfähigkeit automatisch mitversichert (siehe Karte Versicherung gegen Arbeitsunfähigkeit)

65 : AL insurance against involuntary unemployment:

• - Insure the case of involuntary unemployment. The monthly investment and the monthly tax savings should be insured.
• - Performance: Monthly Payment of the agreed installment after 3 months waiting period for the duration of the incapacity to work, max. until the end of the insurance period. This is possible several times in the insurance period.
• - Duration of insurance: 5, 8, 10, 12 or 15 years
• - Age limits: at least 18 years, max. 49 years, ends with the 55th birthday.
• - Waiting time: 6 months
• - Start: With first premium receipt
• - Contribution: Once per 100 EUR monthly insured sum (to 10 EUR rounds), 332 EUR (5 years), 579 EUR (8 years), 739 EUR (10 years), 957 EUR (12 years), 1209 EUR (15 years)
• - Incapacity automatically insured (see insurance against incapacity card)

1

display area

2

display cards

3

of need

4

need group

5

navigation bar

6

inflation table

7

Heading v. 6

8th

example calculation

9

multiplication factor

10

appreciation

11

Heading v. 10

12

example calculation

13

multiplication factor

14

individual card

15

Beam v. 2

16

letter abbreviation

17

term

18

Illustration

QUOTES INCLUDE IN THE DESCRIPTION

This list The documents listed by the applicant have been automated generated and is solely for better information recorded by the reader. The list is not part of the German Patent or utility model application. The DPMA takes over no liability for any errors or omissions.

Cited patent literature

• EP 0954360 B1 [0002]

Claims (23)

Device for displaying and determining financial circumstances of at least one individual, the device comprising a display surface ( 1 ), characterized in that the device comprises play money and on the display surface ( 1 ) several needs ( 3 ) and / or investment aspect fields for depositing the game money are arranged and each need / investment aspect field is assigned a separate need / investment aspect, wherein the amount of game money to be deposited in a first time display phase, a first value based on an actual situation of the individual and in a a further temporal display phase starting from a value regarding a future situation of the individual, wherein the display area with the play money deposited thereon constitutes a display device relating to the need satisfaction and / or investment opportunities of the individual in the at least two display phases. Device according to claim 1, characterized in that in that the display device comprises a plurality of display cards. Apparatus according to claim 1 or 2, characterized in that the display device comprises play money and on the display surface ( 1 ) several needs ( 3 ) are arranged to deposit the game money and each field of need ( 3 ) is assigned to a separate need, wherein the amount of gambling money to be deposited in a first temporal display phase of personal actual income of the (current) working life of the individual and in another temporal display phase of personal future income of the individual in retirement, the display area ( 1 ) forms with the play money deposited thereon a display device concerning the life possibilities of the individual in the at least two display phases. Device according to one of claims 1-3, characterized in that the fields of need ( 3 ) on the display area ( 1 ) in need groups ( 4 ) are arranged. Device according to one of the preceding claims, characterized in that the groups of needs ( 4 ) columns on the display area () as different types of need ( 1 ) are arranged. Apparatus according to claim 4 or 5, characterized in that a need group ( 4 ) includes basic physical needs, security and housing, social contacts, status and social recognition or self-fulfillment. Device according to one of the preceding claims, characterized in that on the display surface ( 1 ) a navigation bar ( 5 ) is arranged, which visualizes the individual phases of the display process. Device according to one of the preceding claims, characterized in that an inflation table ( 6 ), with the aid of which the amount of game money to be deposited can be determined for the personal future income in retirement. Device according to one of the preceding claims, characterized in that a value increase table ( 10 ), with the aid of which the amount of game money to be deposited can be determined for the personal future income in retirement. Device according to one of the preceding claims, characterized in that the display cards for visualization be used by different events and information to the corresponding event. Device according to one of the preceding claims, characterized in that the display cards are divided into categories of which at least one of the product card, personal or Institution card, immigration card, tax / finance office card, demonstration card or knowledge card. Device according to one of the preceding claims, characterized in that each display card ( 2 ) a clear term ( 17 ) associated with at least one side of the display card ( 2 ) and overleaf with detailed information ( 19 ) to the keyword ( 17 ) is provided. Apparatus according to claim 12, characterized in that at least on the with the term ( 17 ) side of a display card ( 2 ) the term ( 17 ) visually representing image ( 18 ) is arranged. Device according to one of claims 12-13, characterized in that a display card category as product cards is defined what information to at least financial products exhibit. Device according to one of claims 11-14, characterized in that a display card category as product cards is defined, which information about the statutory long-term care insurance, Minimum pension, coverage of freelancers, private health insurance, statutory health insurance, occupational pension, Riester pension, Rürup pension, rented condominium, home, private Includes pension insurance and / or capital-forming life insurance. Device according to one of claims 11-15, characterized in that a display card category knowledge cards this information on equity, business plan, Real estate insurance, rent increase, the homeowners (OFF), administration, utilities and household money, earlier retired, the property balance sheet, declaration of division, notarial Provide bid and / or inflation. Device according to one of claims 11-16, characterized in that a display card category person cards this information on tax consultants' issues, the self-employed, the circle of friends, the civil servant, at least a child, bank, supply notary, the winner, the loser, the Tenant, the wife, the husband, the grandson and / or the settlement notary provide. Device according to one of claims 11-17, characterized in that a display card category Einwandkarten covers, where the Einwandkarten information on the topics insurance against incapacity for work, insurance against no-fault Unemployment, tenancy protection, custody and cash, the rental nomad and / or unintended teaching. Device according to one of claims 11-18, characterized in that a display card category the tax office or taxes, this information being related to the topics Tax office, tax benefits and subsidies, tax office takes, tax office paid, prison, payroll tax reduction request, Tax Refund and / or Taxation Legal Provide pension insurance. Device according to one of claims 11-19, characterized in that a display card category demonstration cards This information on the topics Smart Card, Backing Up, Full retirement retired at a fraction of the usual Provide costs, intelligence card and / or time as an investment. Device according to one of claims 11-20, characterized in that the respective display card categories Colors are assigned and corresponding color marks on at least an edge region of the respective card is arranged. Device according to one of the preceding claims, characterized in that the display device is an individual card ( 14 ), on the information about the personal information of the individual (name, address, etc.), information regarding the living conditions of the individual (net rent + utilities, etc.), information on his employment (occupation, monthly gross / net salary, etc .), Information about special expenses of the individual (loans, etc.) and / or information about other reserves or investments of the individual (savings contract, life insurance, etc.) are registrable. Device according to claim 22, characterized in that the individual card ( 14 ) Questions in the form of a questionnaire about the display device itself (What have you learned through the game ?, etc.).