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Home » Expats uye vakarega basa » Pension » Vanodya penjeni muThailand: 'Ishoma mudyandigere mumakore anotevera'
Vanodya penjeni muThailand: 'Ishoma mudyandigere mumakore anotevera'
Geplaatst mukati Expats uye vakarega basa, Pension
Tags: Vakarega basa, Inflation, Pensioner
Makore akasviba ari kuswedera kune vanodya penjeni muNetherlands neThailand. Simba rekutenga revakuru richabatwa zvakanyanya mumakore anotevera, anonyora De Telegraaf.
Chikonzero cheizvi ndechekuti penjeni haichakwanisa kuchinjirwa kuinflation mumakore anotevera.
Munyori weHurumende Klijnsma (Social Affairs) anoronga kuunza hurongwa hutsva uye hwakasimba hwepenjeni. Somugumisiro, homwe dzepenjeni dzinosungirwa kuvaka matura makuru. Izvi zvinofanirwa kusvika pachikamu che30% (ikozvino chave 10%), ndopazvinozotenderwa mari dzemudyandigere kuita index uye kuwedzera mari dzemudyandigere kutsiva inflation.
Nekuda kwechiyero ichi, ABP inotarisira kuti havazokwanisa kuwedzera kana kungowedzera zvishoma mari yepenjeni kwemakore mashanu nekuda kwekukwira kwemitengo. Kurasika kwesimba rekutenga revanodya penjeni kunogona kuita 10%.
Munyori weHurumende Klijnsma anoda kuunza izvi zvakaomesesa zvinodiwa nemari yemudyandigere kubva muna Ndira 1 gore rinouya, nechinangwa chekupa chokwadi chakanyanya pamusoro pezvikomborero zveramangwana.
Chokwadi haugari paapuro nezai muThailand. Mushure mehupenyu hwekushanda nesimba uye kuchenjerera, makwai anofanira kunge akaoma zvakakwana kuti aya marudzi ekufamba mumucheto asakurova. Mazhinji eEU expats pano pagorofu ane pakati pe5 ne10k EU nett yekubata iyo yandinofunga, iyo 5, inoratidza pazasi.
Hapana penjeni ini pachangu, asi kare tsamba mubhokisi retsamba kubva kuhomwe yepenjeni, kuti ini ndichatemwa ne6%, kuwedzera kune mamwe matanho. Kana munhu aine 5-10k EU pamwedzi kuti agaye, ipapo izvozvo hazvizove nesimba shoma pakutenga seti nyowani yemabhora egorofu.Zvisinei, havasi vese vanofamba-famba nebhajeti iyoyo panhandare yegorofu. Uye kune akati wandei, 10% kurasikirwa kwesimba rekutenga hakusi kufamba kweparutivi, asi kuoneka kunooneka.
Ratidza kuti zvinoramba zvakadaro zvichinetsa mumicheto. Tarisa kune makore ebhaibheri ane mafuta uye akaonda. Chero bedzi iwe uchinakidzwa mumakore ane mafuta, iwe uchawana kofi mumakore akaonda.
Ndaigara ndiine mukuru webasa akanditora parutivi uye akati, "Marcus ndakararama hupenyu hwangu hwose maererano nedzimwe nheyo", "Tenga chete zvehupfumi kana iwe uchikwanisa kuripa katatu" Izvi kunze kweimba, chikwereti ". Gare gare akaratidza musimboti wemhindu yakaunganidzwa, iyo "millionaires scheme" Uye mumakore apo 10 uye kupfuura muzana yaikwanisika, nhoroondo yacho yakakura sokupenga.
Uye zvechokwadi wedzera kukosha kwako kwakawedzerwa nekudzidza (kwete zvidzidzo zvekupenga), kuvaka ruzivo uye kuita kuti izvi zvizivikanwe.
Asi kana iwe ukangokanganisa, uchipinda mumadisco, vasikana vakachipa (vanokuputira) *, Doro reLidl, soseji inosvuta kubva kuHema, zvinhu zvinopenya uye kubhadhara, ipapo iwe unozobatikana nemhedzisiro gare gare.
* Eya iva akatendeseka, mukana wokuti “uyo bedzi munyika yose” anogara mumusha mumwe chetewo kana kuti mugwagwa zvamazvirokwazvo muduku muruzivo rwenyeredzi. Saka, ingotarisa zvakakukomberedza mizhinji yekuzvidemba avo vakanyatsotumirwa nzira isiriyo netsika yedu.
Hongu, Marcus, asi isu tese hatifambi panhandare yegorofu, kune akawanda avo ane penjeni yehurumende uye diki penjeni padivi payo, mongozivawo, uye ivo vane hupenyu hwakanaka.
Kwenguva iyo, yakanga iri Henk Brouwer, sachigaro wehomwe yepenjeni yevashandi vehurumende, ABP, uyo akataura munyaya yeTelegraaf. Ndokumbira utarise: ABP, seimwe yehomwe huru yepenjeni yeNetherlands, iri kuita zvakanyanya kuipa kupfuura eg Pfzw/Pggm.
Pakupera kwa2013, ABP yaive nechikamu chemari che106%, uye yakambopa yambiro yekuti mabhenefiti epenjeni aifanira kudzikiswa muna 104 pachiyero chemari che2014%. Izvozvo zvakazove zvisina kufanira mu nick yenguva, nekuda kwechikamu chakanaka chechina che4 chehupfumi hweDutch. PFZW, kune rumwe rutivi, yakanga ine chikamu chemari che2013% muna Zvita 2013, uye kunyange 109% muna Kukadzi 2014, zvisinei nenhamo yehupfumi yakafanana neimwe mari yaifanira kutarisana nayo, uye yakawedzera zvakanyanya kupfuura ABP. Semuenzaniso, iyo FME yaifanira kudzikisa penjeni yayo ne110%. Zvakadaro: PGGM yakawedzera mari dzese dzepenjeni ne0,4% kubva 0,94 Ndira 1.
Asi ngatisakurumidza kuora mwoyo. Ndichiri kuda kukurudzira vanhu veABP, uye zvakasiyana. Upfumi hweDutch huri kuwedzera zvishoma nezvishoma. Izvi zvichavawo nemhedzisiro paABP.
Zvisinei: iye Brouwer mumwe chete anotarisira kuti “mari yakaita seABP haizokwanisi kugadzirisa penjeni kana kuti zvishoma kukwira kwemitengo kweanenge makore mashanu. Kana midyandigere ikasarongwa, kurasikirwa kwesimba rekutenga kwevakweguru kunogona kusvika kugumi muzana, anofanotaura kudaro.” Brouwer anokanganwa chinhu chakakosha. Ichokwadi kuti zvakaoma kuti ataure kuti ABP ichabudirira pakuziva kuwedzera kwemari yavo yepenjeni kune vatori vechikamu. Haakwanisi kuita izvozvo zvino. Asi kuti anozvitaurira uye akamiririra ABP, ndizvo zvaanogona kutanga nazvo. Ipapo anogona kuzvidavirira kana ABP ikaramba ichiita zvisina kunaka. Kwete ikozvino kuti mamwe mari ari kuita zvirinani ari kufona mukutaura kwake kuvhara kutadza kwavo. Nekuti haisi nyaya yekuti penjeni inogona kunyorwa here kana kuti kwete. Izvi zvine chekuita nemufananidzo wakazara wehupfumi hweNL, uye huwandu hwakakura hwehupfumi hwenyika. Izvi hazvisi izvo zvinonzi ABP. ABP inofanirwa kuona kuti inonzwisisa hupfumi.
Saka Brouwer anofanira kuve nechokwadi chekuti ABP inouya nekudyara kwakadaro uye imwe hurongwa hwemari, pahwaro hwekuti mari inoratidzwa kuti ibhadhare penjeni padanho rakaderera riripo, pasina kutyisidzira kwekuderedzwa.
Izvo zvechokwadi zvinoshandawo kune PFZW, semuenzaniso, uye kunyanya kune varombo pakati pemari. Handitendi kuti madhairekita uye mamwe manejimendi anofanirwa kunetsekana zvakanyanya nezve kushomeka kwemagetsi ekutenga, nekupihwa kwavo kubviswa uye kubviswa kwevashandi, muhoro wavo wepamusoro we "Balkenende", uye mubhadharo webhonasi.
Izvozvo zvinofanira kuvamanikidza kuita zvose zvavanogona.
Neraki, iyo Baht yakachipa. Nenzira, iwe unofanirwa kufara neABP kana isingaderedze rubatsiro rwepenjeni. Havana kuwedzera mumakore, saka kushamisika kushoma mune izvozvi. Vari pamudyandigere vachiri vanyajambwa vanoda vasingagoni kuita chibhakera.
Inoshandawo kune vanodya penjeni muBroek op Langendijk.
Hello,
Kana izvo zvichaitika saka zviri nani KUTI NDIdzokere kunyika yangu yaamai, Netherlands.
Izvi zvichavandudza hupfumi neimwe nzira, ndinovimba.
Chakanaka ndechekuti unotanga wabira poto yepenjeni yakawanda wozoitorawo kumunhu anodya penjeni.
Ndiri kutanga kuzvibvunza zvishoma nezvishoma kuti sei hurumende, inotungamirwa neVVD/CDA/D66, yakabatikana nemari yepenjeni.
Pension inyaya yevashandirwi nevashandi.
Hurumende inogona kana kusataura, kupa mafambiro, kushandura zvimiro, asi inofanira kurega kunetsana kwavari kuita izvozvi.
Kana kuti zvimwe kuda kuvhara nyaya yekuti mumakore achangopfuura hurumende nevashandirwi vakaita chipatapata muhari dzepenjeni?
Kana, uye ini ndinofunga kuti, vezvematongerwo enyika vari mubishi kugadzirira pfungwa dzekubvisa mari yepenjeni yemubatanidzwa kuitira kuti capital iendeswe kumabhangi, VAKARAMBA VAKAONA IYO CAPITAL NEMVURA KWEMAKORE.
Pension accrual, sezvinoratidzwa neongororo yepenjeni yemunhu, inyaya yemunhu.
Zvandakaisa, pamwe chete nemari dzakakwidzwa nemushandirwi wangu, uye mari inobva mukuchengetedza nekudyara, ipfuma yangu pachangu.
Kana vechidiki vachidawo zvakadai, saka vanofanira kubhadhara mari yepenjeni.
Uye mushure memakore makumi mana kana kupfuura, vanove nekodzero yekuwana mari yepenjeni inounganidzwa ivo pachavo kana muzita ravo.
Pension HASI yekubhadhara-se-iwe-kuenda sisitimu, asi nzira yekuchengetedza!
Hurukuro yekuchembera ingori EXPECTATION.
Homwe yangu yemudyandigere, sehomwe zhinji dzemudyandigere, yanga ichifunga izvi kwemakore nenzira yemamwe matura.
Sezvineiwo, maererano nehuwandu hwehomwe yangu yepenjeni, avhareji yezera rerufu yakawedzera ne15 makore mumakore gumi nemashanu apfuura, uye mutsara uyu wakamira kubva 2,25.
Saka vanhu havafe gare gare.....
Sezvineiwo, homwe yangu yepenjeni haina kumbobvira yadonha pasi pechikamu che110% chemari, uye yave pamusoro pe7% kwemwedzi minomwe ikozvino.
Uye izvi hazvinei nemamiriyoni mazana maviri nemakumi mana nesere.
Hongu, zvakare VVD/CDA.
Uye chekupedzisira, dai vezvematongerwo enyika vasina kugara vachipamba mapoto emudyandigere ehurumende mumakore achangopfuura, munhu wese angadai akatora penjeni yehurumende pazera remakore makumi matanhatu.
Ivo havadi chaizvo mapenzi ezvematongerwo enyika izvozvo
Ko sei vepenjeni vasingadzidze kuti nyanzvi chaidzo dziripi pane kuita zvekutamba zvisina simba uku.
SNS Bank yakawana purofiti ye2011 miriyoni muna 224, 61% kupfuura muna 2010. SNS Bank inowira pasi peSNS Retail Bank. SNS Retail Bank inosanganisirawo ASN Bank, RegioBank uye BLG Hypotheken. Hofisi huru iri muUtrecht. SNS Bank yave iripo kubvira 1817.
1 miriyoni 65+ haigone kuita chibhakera?
-Kana 1 miriyoni 65+ kubvisa € 100.= pazuva rimwechete rekupera kwemwedzi, Ned.wake nemari!
100 miriyoni yakarasika kubva muhurongwa hwekubhadhara.
-30.000 65+ bvunza mibvunzo ne-e-mail kune min. yezvekugarisana kubva China, iyo internet yese iri pasi! pasocial affairs.
Kune zvimwe zviri pamutemo zvinosetsa zvinopihwa zvekukwevera kutarisa kune 65+.
Chikumbiro: Wese munhu anobvisa € 100 paApril 24/25, 2014, iyo yaunogona kutenga nayo kutenga, nezvimwe.
Mugovera, April 26, ndichaverenga nhau nomufaro!
kwaziso,
Louis
Uri kureva here kuti nyanzvi chaidzo dziri kumabhanga seSNS bank? Sei zvino hurumende yaifanira kununura bhangi iro muna Kukadzi apfuura nekuita nyika kunodhura 3,7 bhiriyoni euros? Kutaura nezve 'kutamba' uye 'maitiro' - mazwi ako -………….
Sei vakwegura chete? Zvinobatawo vechidiki nemunhu wese ari pakati. Handizivi kuti pazera ripi randinogona kurega kana ndakura. Iwe uchakurumidza kuenda kubasa nemunhu anofamba, mira pa75 uye wozogamuchira pittance? Ini handisati ndanzwisisa kuti sei makore apfuura vanhu vasina kugadzirisa penjeni yehurumende zvishoma nezvishoma (uyezve zera remudyandigere ringangochinja) zvishoma nezvishoma uye nei hurumende isina kupamba zvakachengetwa apo "mari yakarova mabhodhi. ". Ini ndinongofanira kufunga kuti ndorarama sei muThailand gare gare.
Ndakasuwa pandakaona iyi vhidhiyo nezve system yedu:
http://m.youtube.com/watch?v=3U_lU-CbxlQ
Asi unoita sei nezvazvo? Kuchinjira kune imwe homwe hazvigoneke, kubata penjeni yako, sei? Kunyanya kunaka kana iwe uchipota uchichinja mabasa kana kusashanda. Unonzwa kunge uri muchitima chiri kudhuudzira kumberi uye hapana munhu anogona kuita… Ngationei kuti kuchembera kwangu nemumwe wangu wekuThailand zvichave sei. Kuzadza gap reAOW kunonyanya kuoma, nguva pfupi yadarika yakadhura zvakanyanya nekukurumidza uye kuomarara mamiriro, akashanda kweinenge makore 5, nezvimwe. Zvinoita kunge zvave zvisingatarisike zvachose. Mumakore mashoma, musikana wangu anongobvumidzwa kuzadza gap, wozobvunzazve kana zvichibhadhara zvachose.
Zviri nani kuzadza gaka iwe pachako, kwete nehomwe yepenjeni, iyo inenge isingakwanisi. Zviise kure iwewe. Ndakashandira homwe hombe yepenjeni ini uye nguva pfupi yadarika mumwe wandaishanda naye aidawo kuzadza gap, achimubhadharira mari inosvika zviuru makumi mashanu zvemaeuro, izvo zviri kutora. Kare, ndinofunga anenge makore gumi apfuura, vanhu vakawana zvishoma panguva yezororo nekuti paive nemari yakawanda muhomwe yepenjeni yemari yaive SFB.
Nokuda kwavanhu vakashanda mukuvaka, makadhi netsamba zvatakagamuchira sokuonga zvakanga zvisingaverengeki. Kana ini ndakanyatsobvumirwa kutaura, cesspool ichasunungurwa mukambani pachayo, tsika yekubata yave ichienderera mberi, nerufaro izvi zvapera ikozvino. Ini handina kushinga kuzviita pachangu, asi ikozvino ndinodemba ruzivo rwemukati rwemasheya.
Ichi chiyero chakamisikidzwa parizvino, chakaziviswa nhasi 16-04 2014.
Vagara vari vachemeri vakafanana.Kana vaine imwe mari yepenjeni yekuwedzera penjeni yavo yehurumende, vanogona kuita zvakapetwa ka10 nemari iyoyo pane vari kuNetherlands. Asi iye zvino zvavanogara uye vachigara kuno zvakachipa, vachiri kunyunyuta. Nekuvhota ivo pachavo vaona kuti vanhu ava vave kutema penjeni yavo.Kuravira mushonga wavo?
Ini ndinogutsikana kwazvo neAOW chete mukadzi weLoeve anoshanda nesimba wekuThai munyika yangu yechipiri.
Mufaro wehutano haugone kutengwa.Nakidzwa nehupenyu, nekuti dzimwe nguva hunongotora chinguva, uye unogara wakafa kupfuura zvawaive urimupenyu.
Zvinogara zvichindiunzira hilarity inodiwa pandinoverenga makomendi ako. Unogara uchiziva kurova rimwe divi. Kuisa zvinhu mugwara ndiro simba rako. Maonero ane hutano paupenyu anokunyemwerera chose. Nguva dzose sarudzo dzakakodzera uye maitiro anonyatso shanda. Kunzwira tsitsi zvakare. Kwete pasina izvo -mufaro - ndiro zita rako. Iwe zvechokwadi ndiwe wega uri kuzvisimbisa. Kusvika pakuti: hapana kwandinoverenga kuti vanhu vari kunyunyuta, asi kuti vanhu vane hanya. Hapana kwandinoverenga kuti vanhu vari kunyunyuta, asi kuti vanhu vanoshora.
Ini handitendi kuti unogona kungopfuura muThailand nepenjeni yenyika chete. Vashomanana chete vanobudirira, vasingashuma mamwe manyuko emari. Iwe unofanirwa kuyeuka zvausingataure mune mamwe mazwi pamusoro pekuti wakazviita sei muUdonThani. Ndinotofunga kuti urikuremekedzwa ikoko. Iwe uri kupa nzira yakawandisa uye yakawandisa nezve mararamiro ako muThailand. Hapana chinogona kuitika kwauri, wazvisanganisa zvese. Zvadaro gutsikana nemakiki emushonga wako, uye rega vamwe vave sezvavari.
Kwete kuchemerera kwakafanana nemurume wangu agara achishanda. Ane penjeni ye255 euros pamwedzi nekuda kwekubata tsika. Yakaiswa naNationale Nederlanden. Ndofunga kunonzi kudhara penjeni, zvinonyadzisa uye hapana chaungaite nezvazvo. Dai zvakaiswa nepension fund chaiyo, ndingadai ndakakushanyirai izvozvi. Thailand yakaba mwoyo yedu kare kare uye icharamba ichidaro!
@ Jan Geluk, ndinoda uye vazhinji vanoblogi kudzidza kubva kwauri !!! 10x yakawanda yekushandisa kupfuura muNetherlands, nditsanangurire ini!
MuNetherlands ndinobhadhara masendi makumi matanhatu neshanu pabhodhoro redoro muchitoro, iwe uri pano kune Chang 65 masendi?
MuNetherlands ndinobhadhara 6 euros pakirogiramu yehuku fillet, iwe 60 cents?
Ndinobhadhara 1 euro pakirogiramu yemupunga muNetherlands, iwe pano 10 cents?
Ndinobhadhara 2 euros peturu muNetherlands, iwe pano 20 cents?
Muchiri vapenyu here muna 1932 kana kuti isu tese takapusa izvozvi?
Wadiwa Noah, iwe unotaura wakamiririra vazhinji vanoblogi, iwe unoti. Chii chaunotsigira icho? Kana iwe uchida kuziva kuti isu, murume nemukadzi, tingararama sei ne5 euros pm muThailand nepenjeni yenyika uye mvumo yekubhadhara. mumwe wangu uuye utishanyire.Nekuti handisati ndamboita muenzaniso pano we1020 cents pakg yehuku.Uye ndinoonawo kuti peturu inodhura ingangoita euro parita pano.Asi tinogona kugara zvakanaka muThailand nekuti hatisi vanhu vanobuda, hatityairi Vito hombe uye 60 tine air conditioning.Tinogadzira chikafu chakawanda isu uye hatinwi.Uye tinofara nezvatinazvo.Hupenyu hungadhura 3% kwatiri muNL
maita zvakanaka Jan
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