Hurrah! Penjeni yangu iri kukwira!
Gore idzva rakanditanga zvakanaka. Ndakahwina mubairo wechitatu mumutambo wekutanga weMegabreak pool pano muPattaya uye zuva rakatevera tsamba yakasvika netsamba kubva kuhomwe yangu yepenjeni.
Ndaitarisira kuwana Chirevo cheGore ra2016, asi zuva retsamba (Zvita 13, 2016) raifanira kunge rakandimutsa. Pakati paZvita ndiyowo nguva yekuti masangano nemasangano akasiyana siyana vazivise kuti zvinosuwisa kuti mari yegore rinouya yawedzerwa kana – kana iri homwe yepenjeni – pundutso yadzikiswa. Waitobva watojaira.
Asi munoona, kwete munyaya iyi. Tsamba yaiti homwe yepenjeni inoongorora gore negore kuti penjeni yangu ichakwira kusvika papi nemitengo, iyi inonzi allowance scheme. Nechekuita nereshiyo yakanakira mari yemubhadharo pamwe chete neCBS Price Index, Bhodhi rakafunga kuwedzera penjeni yangu kubva muna Ndira 1, 2017. Sezvizvi!
Zvino ndinofanira kutanga ndakuudzai kuti homwe yepenjeni iyi handiyo yega homwe yandinowana mari yepenjeni. Ndakachinja vashandirwi kakawanda muupenyu hwangu hwokushanda, izvo zvaireva kuti ndaifanira kugara ndichibata nehomwe yepenjeni yakasiyana. Ini ndinogashira mabhenefiti epamwedzi kubva kune asingasviki 7 akasiyana masangano, hongu ese akasiyana mari zvichienderana nebasa rangu kune imwe kambani.
Ini handisati ndawana meseji kubva kuhomwe dzese maringe nekubatsirikana kwa2017, mumwe chete wavo ndiye akandiudza kuti mari yangu yepenjeni ya2017 haisi kuzodzikiswa. Ndinofanira kuzviona sechiziviso chakanaka, nekuti mudyandigere wedu hauna kuderedzwa kakawanda here mumakore achangopfuura? Zvakanaka ipapo!
Zvino ungada kuziva kuti kuwedzera kwepenjeni iyoyo kwakadii. Ndava kukuudza pachena. Rubatsiro rwangu rwepenjeni kubva kuhomwe iyoyo muna 2016 yava € 1692,00. uye ichawedzerwa ne1% kubva muna Ndira 0,07. Ini ipapo ndine chaiyo € 1,18 yakawanda yekushandisa. Kana iwe uchifunga kuti ichiri mari yakanaka, funga kwechinguvana kuti mudyandigere wakataurwa hausi rubatsiro rwemwedzi, asi huwandu hwegore. Iwe haufanirwe kundinzwira tsitsi, nekuti mune iyi kesi ine chekuita nekubhadhara kudiki kweiyo 7 mari.
Zvechokwadi, kuwedzera hakurevi chero chinhu, asi ndinotarisa zvakanaka. Zvichida ndiko kutanga kwemaitiro emudyandigere. Mari dzese dzemudyandigere dzinoita nepadzinogona napo kuti dzikwanise kuwana kana kutopfuura iyi inosungirwa hurongwa hwemari. Isu tinogona nekukasika kukwanisa kuvimba pane yakajairika mutemo wepenjeni zvakare, neyakajairwa indexation yakaiswa. Zvese muThailand zviri kuramba zvichiwedzera kudhura!
Semunhu ari pamudyandigere muThailand, pane zvawanzwa kubva kuhomwe yako yepenjeni?
Iko kuwedzera kwe1,18 euros kunowedzera kwakakosha, kana ukawedzera iyo mari iyo kubatsirwa kwako kusati kwadzikiswa.
Nenzira, zvinoratidzika kwandiri kuti nemari yepenjeni manomwe iwe uchashandisa mari yakawanda pamitengo kana mari kubva kune iyo minomwe mari ikaendeswa kuThailand.
Izvi zvinoreva 7 nguva mutengo.
Kusimbisa Ruud: iwo mabhenefiti manomwe anoyerera mu7 Dutch bank account pakati pe21st uye 25th yemwedzi. Ini ndobva ndaendesa chikamu cheiyo account kuaccount yangu yekubhangi yeThai, saka inongodhura kamwe chete!
Kwete, asi muhoro wangu weThai wakawedzera ne3% muna Gumiguru apfuura. Iyo yezana inotarwa ne 1,5 mwero wekuwedzera uye 1,5% nekuda kwenhamba yepamusoro paKPI yangu, Key Performance Indicators. Izvi zvinosanganisira nhamba yemaawa ekudzidzisa pamwe nenhamba yezvinyorwa zvekutsvakurudza uye kuonga kwevadzidzi makirasi ako.
Homwe yangu yepenjeni yePGB haideredze rubatsiro. Kuwedzera hakugoneki nechiyero chekuvhara che96 muzana. Kutenda kuECB nekupa mari yemahara kumabhangi. Nekuti chiyero chekuvhara chinofanira kunge chiri 110 muzana isati yawedzerwa, ndinotarisira kuzosangana nazvo zvakare muhupenyu hwangu uye kugara zvakanaka. Kuti zvive pachena: kune anenge 1500 bhiriyoni muDutch pension pots. Kurerutsa marwadzo neimwe nzira, penjeni yangu yehurumende ichawedzera ne2 (mbiri!) maeuro pamwedzi….
a) ECB haina chisungo chero chipi zvacho kune vanhu vakatamira kunze kweEuroland, nekuti mari yekurarama yakaderera pane yeEuroland, saka ivo vatova nemukana pane avo vanosara muEuroland. Uyezve, nekuda kweizvozvo, mubereko wekubhadhara pachikwereti chakajairika (State) cheE 490 bhiriyoni chadonha kubva pa5-7% kusvika 1-2%, zvichiita kuti AOW, iyo inobhadharwa nevashandi veCURRENT, ive nyore kune ikozvino AOW vanogamuchira.
b) Hazvisi izvo zvino ZVIRI MUKATI zvehari dzepenjeni zvakakosha, asi mari yeramangwana uye zvisungo zveramangwana. Nekuda kwehunhu hwekusangwarira kuti ukwanise kubhadharira zvikwereti zvepenjeni (= vavhoti), chete 20-25% yemupiro wega (= yakaderera premium) yakafungidzirwa, uye yasara inosvika 100% ichifanirwa kubva kune vanodzoka (kufunga kweshuviro). Uye ivo zvakare vanotsamira pane iyo actuarial mubereko.
Zvisungo zveramangwana, izvo iwe zvakare unofanirwa "kubhadhara mari" neiyo dhisikiro mwero (bvunza 5-HAVO mudzidzi ane economics mupakeji) hazvina kumbove zvakakwirira uye zvakakura kupfuura zvazvino + zvinotarisirwa zvirimo zvehari idzodzo. Kuwedzera penjeni (kunyange kuichengeta) naizvozvo kubira chaiko kwezvizvarwa zvinotevera. Ikozvino 50+ = panguva iyoyo yatove dement, saka "mushure mangu mafashamo".
Arithmetic 5-Havo level, ona Google uye "mari yeramangwana zvisungo".
Wow, kuvenga vakura kunonzwika kubva kune yako meseji. Ndava nemakore makumi manomwe asi ndichiri kure nedementia.Ndokumbirawo muzive chokwadi chenyu.Chakakosha uye chinoramba chakakosha ndechekuti vanhu vasara nemarii mushure mekubvisa mari dzavo kuti vararame. Zvese izvi tichifunga nezvemitengo yenguva iyoyo. Pamwe chinovhura ziso, asi semuenzaniso ndakabhadhara 70% mubereko wemondi. Vanhu vanobhadhara marii paavhareji iye zvino? Yakakwana AOW premium yaigara ichibhadharwa kuti isangane nezvisungo zveramangwana. Zvakadaro, makanga mune zvakasara muhari iyoyo yakaparadzana uye hurumende panguva iyoyo yakaiendesa kuhari yeGeneral Resources.
Zvakakwana, ndatenda kuhurumende yeKok, zvakanaka, Kok quarter, munoziva.
Gore negore, mamiriyoni e1 aizobhadharwa muhari yeAOW, iyo yakaitika kamwe chete, uye izvi zvakazoendeswa kune General Resources pot, nekuda kwehurumende dzose mushure meKok. Chakanga chiri chokwadi uye ichokwadi, iyo Aow ndiyo pay-as-you-go system, ambuya vangu vakagamuchira Aow uye havana kunzwisisa chinhu nezvazvo, ivo vaive vasina kumbobhadhara. Iyo pay-as-you-go system yaive nzira yekubhadhara zvakananga penjeni yehurumende. Zvingave zviri nani kuti Drees nevasonganiri panguva iyoyo vatsigire penjeni pane capital system seyavanopa penjeni nemainshuwarisi. Iye zvino izvo zvisati zvaitika, isu takabatikana neiyo pay-as-you-go system, iyo pachayo isina chakaipa pairi.
Ini 65 + ndakabhadhara mbuya vangu, sekuru, baba naamai, iye zvino vana vangu vanobhadhara uye nokukurumidza vazukuru vangu, kutendeuka kuhurongwa hwemari kwaizova kuda kwangu, asi iyo yakaoma zvematongerwo enyika.
NicoB
ps Nenzira, FYI. Iyo yekuwedzera mutengo index mibairo yepenjeni yangu yakavanzika yanga iri 1% kubva muna Ndira 2012, 3,6. Ndiani angataura pasina ziso rakaoma kuti vakasiya basa havaregi chero chinhu?
Uri kuona chakaipa.
Zvizvarwa zvenguva yemberi hazvina zvazvinoreva pahari dzepenjeni.
Mari iyoyo ndeyavo chete vane kodzero yekuwana mari iri muhomwe idzodzo.
Mari yese yaiva mumapoto iwawo yaikwidzwa nemubhadharo, izvo zvizvarwa zveramangwana hazvina kana cent ravakabvisa.
Chinhu chega chaunogona kudaidza chikumbiro kubva kuzvizvarwa zvinotevera mutero ungangobhadharwa wemari inobhadharwa.
Kuzvininipisa kwakadini uye kuzvininipisa kwakadini kubva kune mumwe munhu anotarisa achinetseka kuti vanodya penjeni vanopedza mari YAVO kunze kweEurope. IEurope iyo yaita dambudziko rezvemari. Sekureva kwaPieter Omzigt (CDA), mari dzemudyandigere dzechiDutch dzakarasikirwa nezana kusvika mazana maviri emabhiriyoni euros nekuda kwemitengo yakaderera yemubereko. Sezviri pachena vakweguru vanofanirwa kutambura nekuda kwekusafambiswa zvakanaka uku, vachifarira zvizvarwa zvidiki zvisingazive zviri kuitika.
Verenga zvakare: http://www.volkskrant.nl/buitenland/martin-sommer-de-waarheid-over-de-euro-is-dat-geen-stem-waard~a4445013/
Wow, Gringo, iko kuwedzera kukuru. Yakashandurwa pamwero we37,40 (nhasi 8/1/17), iri 0,03677 baht pamwedzi. Makorokoto uye ndaizoti: batidza imwe cigar. Ndiri kuuya muna Chivabvu saka ndichakuunzirai fodya zvakare.
Gringo,
Ipapo iwe unogona kuenderera mberi nekunwa kwekupera kwegore kune vaverengi veiyi blog.
Tiri kuuya nevanhu vatatu.
Vaverengi veiyi blog vanogara vachigamuchirwa paMegabreak muSoi Diana. Huya manheru ndikupe zvekunwa!
Bart,
Ndagamuchira meseji kubva kuABP kuti pension (zvichida) haizodzikisirwe muna 2017??
zvirokwazvo SVB inondipawo isingasviki € 2,00 inenge yakawanda pamwedzi, kana nemamwe mazwi Baht 900 pagore. Mukomana mukobvu chaiwo.
Boss pamusoro shefu. Ini ndinogamuchira 7 euros yakawanda AOW pamwedzi. Zvakanaka
AOW haisi (yakavanzika) penjeni, asi rubatsiro rwehurumende rwekurasikirwa nekurarama mukukwegura. I 100% inotsamira pazvisarudzo zvehurumende, kureva mutero wemitero. Mangwana House of Representatives ichapfuura kuti izvi zvichange zvine chekuita nemitengo yekugara munyika yekugara, ine imwe kukosha kwe2 kana munhu achigara kunze kweEU, saka mari yekubatsira haichabatsiri kushandiswa muEuro zone, iwe. vanosara nezuva rinotevera vasina kana chinhu.
Saka funga nezveruzhinji rweparamende kudzvanya AOW-Turkje uye -Moroccan, uye unogona kunakidzwa mu LOS.
Ndinodawo kuwedzera kuti kana pakambove neshanduko uye iyo pay-as-you-go system yaifanira kubviswa, paizove nehurongwa hwenguva refu hwekuchinja hunoremekedza mamiriro uye kodzero dziripo, kana zvisiri, zvaizoita. kuve kuzviuraya kwezvematongerwo enyika kwemapato ezvematongerwo enyika aripo.
NicoB
Iyo SVB, muiti, inodana iyo AOW penjeni. Saka inonzi pension chaiyo.
Uye vatongi vane uye vanochengetedza chero kutyorwa kwekodzero dzeAOW dzakawanikwa. Kunyanya, kana hurumende ichida neimwe nzira, inogona kubuda mukati menguva refu, makore makumi mashanu. Mushure mezvose, kodzero yakawanikwa ikodzero uye naizvozvo haigoni kubviswa. Easy
Wakarasika.
Kuvakwa kweAOW kwakatanga kubva pamakore gumi nemashanu kusvika pamakore makumi matanhatu nemashanu.
Izvi zvakagadziridzwa nehurumende kubva pa17 kusvika pa67.
Mukuwedzera, expats avo vasati vagamuchira penjeni yeAOW uye vakasiya nyika vasati vava nemakore 67 vakatorerwa makore 2 eAOW accrual.
Ikoko kunoratidzika kwandiri kuva kutyorwa kukuru kwekodzero dzakawanwa.
AOW haisi penjeni chaiyo, kunyangwe vanhu vachiidaidza kudaro.
AOW igadziriro yenyika yevachembera uye haina zvinhu zvakawanda zvine mudyandigere:
Hapana kuendeswa kuhama yasara (inishuwarenzi yenyika yakasiyana)
Hapana rudzikinuro runogoneka (hongu kune diki penjeni)
Hapana rubatsiro rwakavakirwa pamari yakaiswa (hongu kana iri penjeni)
Hapana yakakwirira-yakaderera inogoneka (kazhinji inogoneka mukurega)
Benefit zvichienderana nemamiriro ekugara (kwete kana iri penjeni)
Benefit inogadziriswa (mukurasira indekisi inogona kusiiwa kana iwe unogona kutemwa)
Chii chinopindirana: chinomira parufu......
Asi inzwa wakasununguka kuramba uchizvidaidza kuti kuregera; "chii chiri muzita" mumwe munhu akambotaura….
Ichiri imwe cigar pagore Gringo!
yakawedzera cigar kwandiri kubva mubhokisi reSVB
Ini ndichagamuchira € 11 imwe nyika yepenjeni
Iwe unoona zvakare - vakangwara vanokunda zuva
Unogona kufara kwazvo nazvo, ndakagamuchira tsamba kubva kuhomwe yepenjeni yangu mukudonha uku (iyo chete yandinayo, maeuro mashoma kubva kumushandirwi wangu wekare akatamiswa). Yakataura kuti ndaizofanira kubhadhara inenge mari yakafanana pagore kana ndikaramba ndichishanda kusvikira ndava nemakore 67. Ikoko pasina panikiro kuchava namakore 70 okukura panguva yandinogona kurega kushanda. Uye hazvingandishamise kana vakawedzerawo kuderedza AOW, kunyanya kune kunze kweEU, nokuti muvhoti wepamuviri pano achafunga nezvenyika yekugara mutemo mutemo we "avo veTurks neMoroccans, vane kabati mukati mavo. imba kubva kune yedu "inakidzwa nemadhora ako emutero", saka hazvingandishamise kana mutemo uyu - nerutsigiro rwevanovhota ura - rimwe zuva ukashanda ne50% kuderedzwa paAOW yako kana ukatamira kuThailand ...
Kunyange kana iyo AOW ichiripo panguva iyoyo (2 vanhu vanoshanda kune 1 munhu akwegura mu2050-2060?) Pachava nechinguva chiduku chakasara. Kutamira kuThailand saka kunoratidzika kunge kusingaite. Saka bhururutsa mureza. Ndinokuda iwe, kuseka, kunakidzwa uye kufara! 🙂
Kana iwe usati wava nemakore makumi mana, unogona kuenderera mberi uchishanda kusvika makore ako makumi manomwe, maererano nekufungidzira kwazvino kwehupenyu. Zvinoenderana nekufanotaura kwakafanana, nguva yepenjeni yenyika inozokwira kusvika pamakore 40 nemwedzi mitanhatu. Kana hupenyu hwehupenyu hukaramba huchiwedzera, nguva yepenjeni yehurumende ichawedzera maererano. Zvinoshamisa kuti vezvematongerwo enyika vari kudanidzira zvakanyanya pamusoro pekuwedzera kwemwedzi mitatu yapfuura. Ivo pachavo vakapa mutemo unodzora izvi, asi vakakanganwa kuverenga kuti zvaizoguma nei. Ndosaka ndakazviita makore maviri apfuura. Kana iwe uchida kuziva kuti iwe uchagamuchira rinhi AOW, unogona kuiverenga mu blog yangu https://www.2xplain.nl/blog/Na-1-april-38-geworden-dan-mag-u-tot-uw-70e-doorwerken. Ndapota cherechedzai: izvi zvakanyorwa muna 2015. Mune pepa rekuverenga raunogona kurodha pasi peblogiti, tsvaga gore raunosvitsa 65 mumutsara wekuruboshwe. Unogona kuverenga zera rako remudyandigere muchikamu chekurudyi. Iko kuverenga kunoenderana nekufungidzira kwazvino. Saka izvi zvichiri kugona kuchinja.
Hazvingambovi zvakadaro kuti hurumende yeDutch inongonyima 50% kubva kuAOW yako kubatsirwa
Netherlands inosungwa nemutemo wechibvumirano chepasi rose pamwe nemitemo yeEU nemisimboti yeAWB, tisingataure bumbiro rayo.
Semuyenzaniso, Netherlands yaifanira kudzokorodza kukumbira vakabatwa nehondo kubva kudare repakati rekukwidza
muIndonesia (ned.indie) inobhadhara mumaeuro uye kwete murupiah yakaderedzwa
Isu tiri kubata pano nenyika yekugara, mutemo wekuenzana uye rusarura
Ndoda kutaura izvi kune vanotya kuti mari yepenjeni yehurumende ichaderedzwa ne50% kana vachigara kunze kwenyika.Saka chingorara zvako zvakanaka ndingati.
Kuparara kwataita nepenjeni yedu.Zvinonyadzisa kuti zvinhu zvese zvirikukwira,zvichireva kuti watova munegative futi.Zvino vachembera vaya vakapfuma varikupopota.
Shamwari yangu yakanaka yeThai (makore makumi manomwe nemasere) inongowana 78 baht pamwedzi, isingasviki makumi mashanu muzana kupfuura makore mashoma apfuura. Saka anofanirwa kurarama pa750 baht pazuva. Sezvineiwo, ane vana vatatu vanomutsigira sezvinodiwa.
Zvinoshamisa kuti, izvo zveZwitser Leven zvekushambadzira hazvina kumboiswa muPattaya. Taundi redu rechipiri rokumusha, sezvandingaridana, rakashata zvikuru nokuda kwaikoko nokuda kwomukurumbira waro wakashata kana zvasvika kuvakadzi here? Mushure mezvose, maSwitzerland akapfuma uye eimwe kirasi. Ini pachangu ndinoramba ndichiverengera kusiya basa. Handina kumbofunga izvozvo kusvikira ndava 67 .... Gore roga roga ndinofunga: ndicharega. Nguva yasvika: rimwe gore chete. Zviverengero zvacho hazvisi kunyatsogutsikana. Uyezve, injodzi dzipi dzemari dzinokonzerwa navanatezvara dzichiri kutimirira? Shuvira Gringo rombo rakanaka nekuwedzera kwepenjeni kwaakapihwa. NDIRI KUENDERERA!