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Home » Mubvunzo wemuverengi » Mubvunzo wemuverengi: Kugara nemukadzi wechiThai, nei penjeni yangu yehurumende ichigurwa?
Mubvunzo wemuverengi: Kugara nemukadzi wechiThai, nei penjeni yangu yehurumende ichigurwa?
Vadiwa vaverengi,
Ruzivo runoshanda ndapota: AOW mudyandigere achagara pamwe chete nemuThai mudiki (makore makumi mashanu nemana) akabudirira kubatanidza muNetherlands. Mushure mekupfuura nepakati pezvinyorwa zvakawanda, akasaina pasi anobva pa54% (muhoro wepasi) AOW kuenda pa70% (muhoro wepasi) AOW, kurasikirwa.
Izvi zvinonzwa zvisina kunaka sezvo mari yake yekugara + mari yekuwedzera mari yekubatanidza inokwira zvakanyanya.
Zvakare: Chiitiko chinoshanda chinosarudzwa.
Pachokwadi,
Red Rob
Wadiwa Rob, izvi ndizvo zvakare kana iwe uchigara muNetherlands uye wakaroora mukadzi wechiDutch ari mudiki pane 65 makore, semugari wechiDutch unofanirwa kuziva izvi.
Munhu wechidiki anogona kupa mari yake pachake
Mhoro Bob,
Kana mukatanga kugara mese, mari yenyu imwe chete haichashandi. Kana munhu wese aine imba yake, mvumo yemunhu mumwe chete icharamba ichinyorera.
Rukwaziso rwose. Bz
Anodiwa Red Rob,
Tine urombo, nyaya yako haina kukwana.
Mushure mekuderedzwa, iwe unogashira imwe mvumo kubva kune imwechete agency.
Nemamwe mashoko, hakusi kupfupisa.
Pachine formula yekuverenga yakasungirirwa pairi, kusanganisira kuti mumwe wako akagara pano nguva yakareba sei, nezvimwe.
Kunyange akatanga kushanda, zvinhu zvisingafadzi pakubviswa kwemari zvichauya.
Asi ini handidi kutsanangura zvakawanda nezvazvo nekuti pane vanhu vakasindimara vakawanda panzvimbo ino
vanoziva zvose zviri nani.
akasangana nev Friendelijke groet,
Dear jhvd,
Ini ndinofungidzira kuti nemvumo yawataura, unoreva Partner Allowance, iyo mumwe munhu anogamuchira kana mumwe wake aine mari shoma kana asina. Chinokosha ndechekuti Rooie Rob anogamuchira rubatsiro rweAOW uye kuti ave achigara kwenguva yakareba sei nemudzimai wake, uye panguva yekutanga hazvina chokuita nenguva yakareba sei mudzimai wake achigara muNetherlands. Mumwe munhu akatora AOW mushure me1-1-2015 zvinosuruvarisa kuti haachave nekodzero yekupihwa mubairo wemumwe wake, kune vese vakatowana mubairo weAOW nemvumo yemumwe wake pamberi pa1-1-2015, chero pasina chinochinja mumari yeMushandi. anobhadharawo muripo. Kunyangwe izvi zvichinakidza kune munhu anobatanidzwa pane imwe pepa uye inonyatso dingindira rakasiyana. Kana chero munhu zvino saiti http://www.svb.nl kushanya, anogona kuzviverengera zvese, pasina kutsamira kune nyanzvi dziri nani uye vanhu vakasindimara, kuitira kuti mubvunzo wose ugova wakawandisa.
Nekukudzwa,
Hongu Rob,
Kunyangwe iwe uchigara muThailand nemukadzi, kubva pa70% kusvika 50% kana kubva € 1.059.56 kusvika € 730,18 (2014) uye wakazvishandira izvozvo kubva waive gumi nemashanu.
Izvo hazvina basa kuti mari muThailand ishoma.
Just €329,38 zvishoma paMWEDZI.
kwaziso Nico
Sei pasina munhu anoverenga mitemo yeAOW, uye nei vanhu vachigara vachinyunyuta?
Willem Drees' 'Rubatsiro rwechimbichimbi kune vakwegura' rwakatanga kushanda musi wa24 Chivabvu, 1947, richiteverwa neGeneral Old Age Pension Act (AOW) muna 1957, inishuwarenzi inosungirwa kumunhu wese. Maprimiyamu aibhadharwa nemunhu munguva yehupenyu hwake kuti agamuchire AOW gare gare aibviswa maererano nekugona kwavo kubhadhara. 65 yakagadzwawo sezera rekurega basa. Zvisinei, kuna Drees iyi yakanga isiri imba tsvene. Vaitarisira kuti zera raizogara richichinja nekufamba kwemakore, nekuda kwekushanduka kwemamiriro emari nehurumende.
Mune mamwe mazwi: MUNHU WESE haasati ambopa kana sendi rimwe chete kuAOW yavo, asi mushandi wese anobhadharira munhu wese ari muAOW parizvino.
Kunyangwe iwe uchivakawo penjeni yekuwedzera kuburikidza nemushandirwi wako, inishuwarenzi kana bhangi inyaya yakasiyana. Iyo ichiri kodzero yako. Zvisinei, fungidziro dzakaitwa munguva yakapfuura, zvichibva pagumi uye zvimwe % mhedzisiro yekudyara kweiyo inosvika makumi maviri muzana yaunoisa iwe pachako, ikozvino yave kuodza mwoyo nekudzoka kwe10-20%. Uye kunyanya kana mari yaiswa (Greece, nezvimwewo) isingadzoke = inofanira kunyorwa. Ndizvo chaizvo, ndicho chikonzero hurumende dzakashandura mari yakasimwa muzvikwereti zvakavimbiswa nehurumende, semuenzaniso kuburikidza neECB panzvimbo yeNLB-DF pension fund, nokuti ipapo iyo pensions ingadai yatove yave yave nehafu.
Kubva 1957 kusvika 2017 = 60 makore, hapana chakaitwa nezera rekutanga remudyandigere wehurumende, kunyangwe paine nguva yakareba inotarisirwa kubatsira nekuda kwekuwedzera kwezera. Zvino musiyano iwoyo uri (muchidimbu) uri kugadzirwa nekusimudza zera remudyandigere wenyika.
Zvichakadaro, tanga tichienda kuchikoro kwenguva yakareba, saka tinotanga kupa mupiro weAOW pave paya. Uye wozoshamisika kuti kushomeka kunozomuka ... kuti vako nevana vangu (sekuru) vakosore
Izvo zvakare zvakabvumiranwa - AOW isarudzo yezvematongerwo enyika, kwete "KODZERO YANGU", ona kumusoro, kubhadhara munhu wese weAOW anogamuchira 50% yemari shoma yemagariro. Vakaroorana = 2x = mari shoma, yasara: zviwanikwa.
Kana mugamuchiri weAOW ariye ega mumba, uye pasina vamwe vatori vechikamu vanopa mari kumitengo yemba iyoyo, munhu iyeye achawana imwe 20%, zvichiunza huwandu ku70%. Vashoma? Ipapo watadza kuchengeta inokwana makore makumi mashanu.
Saka unogara nemunhu chero upi zvake anogona kupa mari yepamba? Zvine musoro, iwe hauwane iyo yekuwedzera 20%. Kana wako wekuThai anobva kune imwe nyika - ndizvo zvinofanirwa kubatanidzwa, mushure mezvose - kupa mari yemumba.
Nei mari YANGU yemutero ichifanira kushandiswa - chikamu - kuchengetedza WAKO mugari weThai asina chero chiitiko chekugadzira mari?
Icho chokwadi chekuti anofanira kuisa mari mumakosi eizvi ... Ndinofanirawo kudzidza chiFrench pandinotsvaka basa mumitauro miviri yeBelgium.
Hall Harry
Zvichida nokuti havasi vose vanofunga nezvazvo? Sezvinongoitawo mugari wese anofanira kuziva mutemo. Izvo zvakare zvisiri izvo.
Kutaura zvazviri, mugari wose anenge ave kuda kugashira penjeni yehurumende anofanira kuwana kabhuku kakawanda kane ruzivo rwese kubva kuvakuru vakakodzera.
Heino gadziriso: MUNHU WESE haasati ambopa kana cent kuAOW yake, asi mushandi wese anobhadharira munhu wese ari muAOW parizvino.
Ini pachangu ndakasiya basa muna 2013. Ndashanda kubvira ndiine makore 14 uye ndakatowana anonzi zvitambi zvembariro kwenguva yakati.
Chandinoda kuratidza ndechekuti ndakabhadhara mari iyi kubva panguva yekutanga iyo AOW premium yakaunzwa.
Ndakatobhadhara penjeni yangu yazvino kaviri uye yakazara.
Zvinorehwa naHarry ndezvekuti mari yatakaisa muchimiro chemubhadharo wedu wagara uchishandiswa uye isu tave kutsamira pane zvave kubhadharwa.
Iyo AOW ichokwadi piramidhi system. Mupiro wako unoshandiswa kupa mabhenefiti kune vamwe, HAKUNA CHINHU MUPOTI!!!! Saka pakutanga, vanhu vaigamuchira penjeni yehurumende pasina chavakambobhadhara. Saka pakupera kwezuva kana iyo AOW ichizviputira pachayo kana izvo zvatiri kuona izvozvi zvakadzikiswa, zvino izvo zvekupedzisira zvinoputika. Pyramid system inorambidzwa nemutemo, asi kwete yehurumende.
Wadiwa Peter, izvo zvandinonzwisisa kubva kuna Harry:
Munhu anoshanda nhasi iye zvino anopa mwedzi wega wega, kumunhu ari kugamuchira AOW.
Mumwe munhu akashanda pazera ramakore 14 muna 1954 akabhadhara mugore iroro nokuda kwavose vapenjeni yehurumende panguva iyoyo. Sezvingabvira sekuru vake.
Asi haana kumbobhadhara mudyandigere yehurumende yake.
Zvakadaro, wakakwanisa kuchengetedza kubva waive nemakore gumi nemana, tenga imba kana akati wandei, tora imwe mari yepenjeni woipinza nhasi.
Kana ukachata nemudiwa wekuunza kunze kwenyika, anogonawo kubatsirwa nezvinhu zvako.
Asi kwete kubva mupenjeni yako yenyika…
Kunyangwe iwe, Jan kana Pier uchifunga kuti zvakanaka kana kunzwisisa ndeimwe nyaya.
Kune zvakare zvakawanda zvehupfumi uye zvemagariro zvinhu zvinosarudza ikozvino kugovera kiyi yeiyo solidarity musimboti uye yakabatana mabhenefiti. Kuchembera ndeimwe ye…
Peter, zvakare, iyo AOW haisi penjeni. Kupihwa kwevachembera.Hauna kuzvibhadharira iwe pachako, asi kune munhu aitambira mudyandigere wehurumende panguva iyoyo. Zvino zvauri kunakidzwa neAOW, vamwe vanobhadhara yako AOW.
Vanhu vanofunga kuti nekubhadhara maprimiyamu eAOW, vanovaka yavo AOW. Hazvina kudaro.
Zvitambi zvekufarira hazvina chekuita neAOW. Heino ruzivo nezve zvitambi zvekufarira:
“Pasi pemutemo weInvalidity Act (IW) wa1913, vashandi vane makore ari pakati pe14 ne65 vaisungirwa kunamira zvitambi zvembariro. Zvitambi zvakaburitswa neKanzuru dzeVashandi, iyo yakazove Social Insurance Bank (SVB). IW yaisanganisira mari dzekuchembera, dzechirikadzi, dzenherera nekuremara. Kuwanda kwekufarira kwekupedzisira kwaienderana nenguva yeinishuwarenzi uye kukosha kwese kwezvitambi zvakanamirwa. Mbereko yaifanira kubhadharwa yakanga yakaderera zvikuru, nokuti zvitambi zvakanga zvisina kugadzikana muukoshi kana kuti budiriro. Zvimwe nokuda kwechikonzero ichi, IW yakabviswa muna July 1, 1967. Kubva muna 1964 zvichienda mberi, kodzero dzakawanwa dzakatengwa zvakatevedzana, kwokupedzisira muna 1991. Mukana wokutenga wakaziviswa zvikuru panguva iyoyo, kubatanidza mumapepanhau ezuva nezuva neepaimba neimba. Kodzero dzese dzapera uye kudzikinurwa hakuchagoneki. " Kunobva: Wikipedia
Pane zvinhu zviviri zvakakosha:
- chekutanga, munhu wese asina kugara muNetherlands (kusanganisira vanhu vechiDutch) achawana kuderedzwa kwe18% pagore kwemakore avasina kugara muNetherlands kubva pazera re2 kusvika panguva iyo mumwe wake anogamuchira AOW. .
Asi kunyangwe iwe - semuenzaniso - wakagara kuNew Zealand (kana Canada, zvichingodaro) uye wodzokera kuNetherlands, UNOZOderedzwa ne2% pagore - chero iwe USATI wabhadhara EXTRA premium yeAOW yako.
Munyaya yako 54-18 = 36 x 2% = 72% kuderedzwa kana iwe uchibva pamberi pa1950 pane wako wawakaroorana naye / musikana.
Chepiri :
- kana iwe wakazvarwa mushure me1950, mitemo iripo inoshanda; izvi zvinoreva kuti uchawana imwe dhisikaundi.
Izviwo hazvina kukwana. Iwe unogona kukwidza kuSVB, asi ipapo unofanira "kubva kudzimba dzakanaka".
Saka muvakidzani wangu wechiDutch uyo asina kumboshanda uye asina kumbobhadhara AOW premium anowana mutengo wakazara. Uye ini, ndakabhadhara mutengo wakakwana kwemakore makumi matatu, kwete kwemakore makumi maviri kunze kwenyika, uye ini ndinongowana 30%. Hongu, zvakanaka chaizvo.
Chiitiko chinoshanda: ingonyorera kubvumidzwa kubva kuSVB kune wako anovimba naye mari. Ndakaitawo izvozvo ndikazviwana. Inofanirwa kunge iri pahwaro hwechibvumirano chepamutemo chekugara pamwe chete kana zvimwewo. Ini ndinogara kuThailand nemudiwa wekuThai, uye mushure mekuderedzwa, ndakawana mvumo, uye inodzoka kusvika pachiyero chimwe chete. Rombo rakanaka!
Kana zvisati zvachinja, uchapiwa mari yomumwe wako, asi vaviri vacho vari pamwe chete ishoma pane inogamuchirwa nemunhu mumwe chete. Saka ndiko kwaive kuronga makore 4 apfuura. Chete nehurumende iyi iwe hauchakwanisi kuvimba chero chinhu, saka ndinovimba zvakakunakira iwe.
Ini ndakambopindura pano kune ichi chinhu cheAOW ndine / ndisina mudiwa sezvo ini ndaivewo nemibvunzo nezve chinhu ichi uye ndakabvunza SVB Breda kuti uwane ruzivo. Chekutanga, hautaure kuti uchiri kukodzera here kupihwa mari yemudiwa, iyo isingakwanise kutorwa kubva kutanga kwegore rino kana gore rapfuura (handizive chaizvo). Nekudaro, zvakatsanangurwa zvakajeka kwandiri kuti munhu wese anogamuchira mudyandigere wehurumende anogara nemumwe munhu (angave kana asiri mudiwa uye angave kana asiri muDutch kana mutorwa; chakakosha ndechekuti vanogovana mutengo weimba imwe) ane kodzero chete iyo "50%"-aow. Chete kana munhu achigona kuratidza kuti munhu wese ane imba yake uye kazhinji anogara ikoko ivo pachavo, munhu anogona kuve nekodzero yeimwe "70%" yepenjeni yenyika. Pavakabvunzwa, veSVB havana kukwanisa kundiudza kana “70%” yepenjeni yehurumende inobhadharwa pro rata (zvichienderana nemazuva mangani avanogara vese kana kuti kwete pakero imwe chete) kana kuti izvozvo hazvina basa. Izvo zvinoenderana nemamiriro ezvinhu… usandibvunza kuti ndeipi. Ini ndinogona chete kukurayira kuti ushanyire SVB iri pedyo iwe pachako kuti uziviswe nezve izvi mumamiriro ako chaiwo.
Iniwo handizive kuti muripo wekuwedzera wemunyori wekare JHVD arikutaura nezvei. Iyo chete "mvumo" inogona kushandisirwa mazuva ano ndeye "rubatsiro rwemagariro". Uye izvi zvinogoneka chete kana munhu asina mari yepenjeni yekuwedzera yakakwana, hapana kuenzana uye munhu anofanira kugara muNetherlands!
Haki: wataura chokwadi, chikumbiro changu chemubhadharo wevadyidzani kubva musi waNdira 1, 1 usati wasvika. Kubva pazuva iroro, mvumo yemumwe wako ichabviswa, saka zvinosuruvarisa ...!
Ndinogara kuGermany nemukadzi wangu uye ini ndinogashira mvumo yemumwe munhu, kunyangwe izvi zvakaderedzwa kubva muna Ndira 1, 1.
Kana mudzimai waRooie Rob asina mari, anogona kukurukura nyaya iyi neSVB uye zvichida aizodzokera kumamiriro ezvinhu asati aroora. Aigonawo zvichida kugamuchira wedzero, kunyange zvazvo isiri iyo mari yakakwana, asi mugove nemhaka yokuti mudzimai wake haana kubhadhara premium kubvira pazera ramakore 18 kusvikira zvino.
Paanosvitsa makore makumi matanhatu nemashanu, haazogamuchire mudyandigere wakazara wehurumende (achifunga kuti anoramba ari muNetherlands kusvika panguva iyoyo), uye zvinokurudzirwa kumutengera makore asipo.
Kuti uwane ruzivo rwakakwana uye rwakakwana, bata SVB.
Ini handina fungidziro yekuti kutenga kodzero dzeAOW zvine musoro, tichipihwa zuva rekutanga reAOW rinogara richiwedzera uye kuwedzera kwezvirambidzo zvinoiswa pamhando dzese dzemabhenefiti.
Iwe unogona kunge uri nani kune piggy bank.
Uyezve, iyo AOW yakaderedzwa ichawedzerwa nerubatsiro rwezvemagariro evanhu zvakare kune rubatsiro rwemagariro evanhu? level.
Kunze kweizvozvo, iwe unofanirwa kuve uine mari yekukwanisa kutenga AOW kwemakore.
Rooie Rob anotenda munhu wese akapindura, kunyangwe ivo vakangokumbira "PRACTICE mhinduro mushure mekupfuura nepakati pezvinyorwa zvakawanda". Zvinotaridza zvakare kuti vaverengi veBLOG vakati wandei vanoona zvichinetsa kupindura MIBVUNZO(MI) yakabvunzwa mukati/paBLOGU ino. Ndatenda zvakare nemhinduro, Rooie Rob.
Anodiwa Red Rob,
Ndine urombo, zvinongori zvakajairika kuti iwe unogona kutarisira kuti munhu wese atange kupindura paunobvunza mubvunzo. Iwe unomutsa maitiro angave anobatsira kwauri, asiwo ayo asina basa kwauri. Kana iwe chete http://www.svb.nl Iwe uchagamuchira mhinduro dzese dzinobatsira kumubvunzo wako, uye iwe uchange uchine sarudzo yekubvunza ne-e-mail kana chero chinhu chisina kujeka, kuitira kuti mubvunzo wako kwatiri isu vaverengi veblog haunyatso kudikanwa, nekuti hapana anogona kupindura izvi akavimbika uye. chaizvo seSVB pachayo. .
Anodiwa Red Rob,
Unotaura nezvekusaruramisira. Pamwe uchaona izvozvo gare gare.
Chiitiko chinoshanda.
Semudyandigere wehurumende, akanga agadzira penjeni yakati wandei yekambani uye aitarisira kuti aizokwanisa kunakidzwa nazvo panguva yaaizorega basa.
Akaroora mukadzi wechiRomania (makore matatu apfuura) uye mudzimai wake akanga asina kodzero yepenjeni yenyika uye akanga asina tsime remari.
AOW anotora mudyandigere akave anovimba neSocial Security bhenefiti, nekuti 50% yeAOW yakazara yakazara yakanga isina kukwana kuti vagare vese.
Uye zvino inouya (yakauya: makore matatu apfuura) kusaruramisira.
AOW asati atora penjeni akwanisa kuwana mamwe mabhenefiti eSocial Security, aifanira kutanga "adya" penjeni yekambani yake.
Dai mari yepenjeni yekambani yake yeAOW+ yaipfuura mari yemhuri, havaizokodzera kupiwa rubatsiro rwekubatsira vanhu.
Pane mari yake yepenjeni yekambani yaakawana!! Taura nezvekusaruramisira.
Mumwe munhu ane penjeni yeAOW plus yekambani, iyo sezviri pachena inowedzera kusvika kune inodarika rubatsiro rwemhuri kubva murubatsiro rwekugarisana nevamwe, obva atadza kuwana rubatsiro rwekuwedzera rwezvemagariro evanhu? Chii chisina kururama pamusoro pazvo?
Muripo wemudiwa uchiri nekodzero yekuti murume akazvarwa pamberi pa1950. Vamwe vese varume kubva mushure me1950 havachave nekodzero yekubvumidzwa kubva muna Ndira 1, 215.
zviri nyore kwazvo: uri 65 (?) uye iye ane 54 uye imi mose munogara muNetherlands. Saka ane kodzero yeAOW pazera re67, shure kwezvose, anogara muNetherlands uye saka ari kuvaka AOW! (anofanira kugara ikoko chete uye asingabhadhari chinhu, saka kunyangwe akasashanda anovaka penjeni yeAOW) Saka hurongwa hwekugara pamwe chete nemubatsiri weAOW hunotanga kushanda. Dai aigara kuThailand, mutemo iwoyo waisashanda uye waizowana penjeni yehurumende imwe chete. Mutemo wacho unoratidzika kunge wakatsveyama, asi wakangofanana.
Wadiwa Ko, kana uchigara muThailand nemukadzi mudiki wechiThai, iwe unogashirawo mvumo yekufambidzana. Ini ndinowana izvo zvakare uye ndave nazvo kubva pakutanga.
Wadiwa Theos,
Mvumo yevashandi yakabviswa kubva muna Ndira 1, 1.
Rukwaziso rwose. Bz
Ndinogara ndega muThailand. Uye hapana mumwe munhu anoda kuziva kuti ndine musikana kumba here, handiti? Saka hapana kuderedzwa kana kubhadharisa.