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- Balance insurance and pension savings
  May 14, 2019SavingsDue to the aging of the population and numerous governmental savings, the capacity of our social security is slowly but surely coming under pressure. It is therefore important to safeguard your financial carelessness and that of your relatives as much as possible yourself. Pension savings and taking out a balance of credit insurance are a must. They guarantee long-term financial protection without paying your blue. But is a debt balance insurance also fiscally complementary with pension savings? We sorted it out for you. Debt balance insurance and pension savings: tax assets Debt balance insurance and pension savings have a number of essential characteristics in common. Both not only offer financial protection in the long term, they are also tax deductible . Although certain conditions are attached to it. For example, you must take out the balance insurance before the age of 65, the beneficiary must be the person who has full ownership or usufruct of the home, and the balance insurance must be taken out on your own. ConditionsDifferent conditions also apply to pension savings. For example, the term of the savings account or savings insurance must be at least ten years and the above age limit of 65 also applies. Debt balance insurance in fiscal basket of pension savings Whether it is advantageous to tax your debt balance insurance tax depends on your specific situation. Have you decided to go for the tax reduction anyway? Even then there are several options. You can enter the premiums of the outstanding balance insurance in two ways: Under the tax system of the home loan : There is a good chance that the tax basket in this system is already filled by the capital repayments and interest on your home loan. Unless you have taken out your home loan by the end of the year. In that case, it may be useful to enter a one-off premium and thus fill the fiscal basket. Under the tax system of pension savings : This system is completely independent of the tax basket for long-term savings. For example, it is still possible to enter the premiums from your outstanding balance insurance, even though the basket of the home loan is 100% full. ATTENTION: the pension saving basket does not have to be filled yet and you are not considering any other form of saving in the future. Please note: in both cases the final payment of the insured amount is taxed. Whoever wants to leave the surviving relatives the largest possible amount, can therefore consider not to contribute the premiums of his debt balance insurance. Need additional advice? Contact us quickly, we are ready for you!...
- Spending money teaches children how to handle money
  May 7, 2019SavingsChildren must learn to deal with money and preferably as early as possible. Who as a child has not learned how to deal with money is more likely to have money problems later on. Adults without a good financial education save less and often buy things where they actually have no money, according to various studies. Learning young is done old is the saying and that certainly also applies in this case. According to Checker, 69% of children between the ages of 5 and 11 receive pocket money. It is of course up to the parents themselves to determine how much that will become. Generally speaking, the modest allowance is used to purchase luxury things, but this can also be a subscription to Netflix or Spotify. When do you start with a pocket cent Toddlers and preschoolers cannot count yet. Therefore, they cannot properly estimate the value of money. Giving pocket money is therefore not a good idea. You better start giving pocket money if children are 6 years old. At primary school, they then started making sums. In addition, children from the age of six can recognize coins. Learning how to handle pocket money Have you just started giving pocket money? Then you have to tell your child what he can and can do with his pocket money. Children must be able to freely choose what they want to do with their pocket money. In this way they learn to make independent choices. By doing this they gain insight into the value of money. The amount of the allowance Children learn how to handle money in a playful way. The most important thing is that your child receives pocket money. That does not have to be a high amount. A euro a week is a great amount to start with. Up to the age of ten, 2 euros is more than enough. Teenagers usually receive between three and five euros of pocket money. The amount of course also depends on your own budget. The amount of the pocket money also depends on what it should be spent on. Young children often spend their pocket money on sweets and toys. A few euros per week is then sufficient. Agree with your teenage daughter that she must also pay presents or calling credit with her pocket money. Then 2 euros of pocket money per week is no longer enough. It is not a reward or punishment Are you considering giving more pocket money as a reward, or do you want to give less pocket money as punishment? Do you want a compensation from your child? Remember that pocket money is not a wage. Therefore, do not use the pocket money to reward or punish. The main purpose of giving pocket money is that your child learns how to handle money. How much do my own children get? Since I also have 2 treasures of children, I naturally also give them pocket money. My 14 year old son can count on € 20 every month and my 10 year old daughter gets € 5 each month. Occasionally I think that I give my daughter a little bit of pocket money, but when I see that every euro is saved and she also does a folder district of which she also saves everything, I think it is not so bad. For the adolescent of 14 it is of course not enough to his liking. Other children with seemingly rich parents seem to get the ridiculous amount of € 100 per month. I find that rather nonsense, these children probably have no sense of the value of money. Spending the pocket money Maybe your child buys something from his pocket money that you would never buy. That’s okay, even if it turns out to be a wrong release. By making mistakes, your child learns how to handle money. Does your child spend all his pocket money in one go? Then he learns that he cannot buy anything for the rest of the week. In any case, a large part goes to games for the Playstation, make-up (a lot, hahaha) and also sweets, I regularly see the house income. But yes, we have all been children right? Start saving Young children in particular often have difficulty saving. They want to spend their pocket money as quickly as possible. Children also have to learn how to save. A good start is giving a piggy bank. Discuss with your child the goals for which he could save. Saving is easier and more fun when saving for a certain purpose. Does your child start saving? In consultation with your child, determine a specific goal that can be purchased with the savings in the near future. Open your own bank account for your child Is your child twelve years old? Then it is good to open a bank account for your child. Your child must learn to deal with its own account, its own pin code and a bank card. He can also learn how to deposit money that he has received for a good report into his account and to make payments. Learning to handle a bank card and keeping your PIN safe is part of good financial education. If they get their own bank card for the first time, then they are very proud of that beautiful card and want to show everywhere that they can now pin. Great to see. But how much do they get? It is actually quite simple what you can give the best. It is only an indication and of course you can decide to give more or less. From 12 to 18 years a ten or 2 in the month. Under 12, the children still find it extra exciting to get this every week, I don’t know why that is, but it’s good. I would say, under 12 years between 1 and 2 euros a week. If you read this and receive pocket money yourself, you can check here whether you are not being shortened. If you don’t get enough, you can immediately put your father or mother on his or her jacket ?...

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