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The pension insurance obligation for all self-employed in Germany comes from 2020. According to Federal Minister of Labor Hubertus Heil (SPD) it looks the same. He would like to initiate a corresponding reform in 2019 and thereby introduce a pension insurance obligation for the self-employed. In the following article you will find out what that would mean for the self-employed and what options you have for the self-employed to "escape" the statutory pension insurance obligation

According to surveys, around 3 million self-employed people in Germany are not adequately covered for old age. The main reason for this is that the self-employed are currently not obliged to provide for old age. Be it to pay into the statutory pension fund or to save private pension contracts.

According to Heil, many self-employed people are at risk of old-age poverty later on because they have made little or no provision. I generally agree with this opinion.

Approximately 3 million self-employed people have had no or too little pension provision

Far too many self-employed people - let's just say whether there are really 3 million in the end - don't care enough for old age. In my opinion, this is not necessarily due to the fact that the self-employed have no money to provide for old age (even if this can be the case especially for start-ups and one should take this into account in the new reform). Rather, it is due to the fact that many self-employed people totally underestimate how much you would actually have to put aside every month in order to be able to maintain the standard of living you have built up when you retire. And here there are sometimes huge gaps between one's own perception and hard reality.

Pension costs for the self-employed are underestimated

Above all, it is underestimated how much one would have to spend alone to achieve the corresponding value that one would get from the statutory pension. And then you're only about half of what you actually need. The pension level in statutory pension insurance is currently just under 50%. It is simply… nothing.

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I've always loved geometry; I think there is harmony in geometric designs. The 'Zig-Zag Triangles' bracelet is plain geometry, very simple and yet very elegant. This piece can accompany you all day long, from the office to a night out. It has been designed and crafted by me with love, care and inspiration, using premium quality Japanese glass seed beads in shades of rainbow grey, dusty rose, cream and galvanized bright gold color and a highly durable thread for weaving. The cute magnetic brass clasp in antique copper tone, allows you to put it on just in seconds. SouSou jewelry is made only with the highest quality materials and with proper care, it is made to last! The beaded centerpiece is 1.2 cm (0.5 inch) wide and 6.5 cm (2.6 inch) long, while the metallic gold color chain is almost 0.2 cm (0.1 inch) wide. If you would like a different size or color combination, please feel free to message me. ❤️ Care instructions: Glass beads are not fond of water! These pieces are delicate. Please don’t wear your jewel while bathing, swimming or doing sports. Don't put perfume or body lotion on any of the handmade items. Clean with a soft cloth. ******************************************************************************************* SHIPPING ******************************************************************************************* All SouSou jewelry is carefully packaged in a gift box or in an organza gift bag and shipped in a bubble mailer envelope, via the Hellenic Post Services (ELTA). I use First Priority Registered airmail, which minimizes the possibility of item loss. Express Shipping can be arranged upon request. As soon as your order is shipped, you will get a notification providing the tracking number, in case you want to trace your package at (there is an English version). ******************************************************************************************* IMPORTANT NOTE ******************************************************************************************* Please note that for a "made to order" piece, you have to allow 5-7 business days before the package is shipped. I will do my best to minimize the processing time, so as to receive your bright new item as soon as possible!

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Read *5* from the story Mysterious Bet み Sope by pinkmang (Jey & Bet) with 1,123 reads. romantizm, hayrankurgu, hoseok...

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How to maintain a relationship and keep it last forever? How to make your life more easier and happier? It is a study and we should learn it during our whole life. Here are the important factors in maintaining a relationship. Equality is one of the important conditions for the maintenance of intimate relationships. According to the equity theory, people are most satisfied with intimate relationships under the premise of proportional justice, that is, paying should be proportional to their income. In love and marriage, long-term fairness is more important. Most happy couples don’t care about how much they pay, and they harvest a few, but pursue a rough equality, that is, how much they pay and how much they are. For example, in family life, the uneven distribution of housework can easily lead to feelings of inequality between husband and wife. Therefore, people who work harder have more say, which reflects this kind of fairness. If you don’t do anything at home, you have to talk to each other. Then, this relationship is more prone to problems. And there are so many other important factors we need to discuss next time. And here we give you 50 impressive relationship or life quotes and you have to remember them and you will be very happy in your life.

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