To prepare properly for retirement, it is important to start early and to make time to gather together the necessary documents in order for your pension application to be processed quickly. Contrary to popular belief, retirement is not automatically prepared at the age of 60. It is necessary to gather together certain documentation in order to create a retirement portfolio. Discover what to do to prepare comfortably for your retirement.Estimate the cost of retirement
At any point in your career, you can see your personal career statement in the general scheme, regardless of the date you began work. This approach allows you to check if the information given is accurate (personal information, salary, business information ...). Anyone can contact the pension fund to ask for their personal statement every two years. This is a summary of the rights granted to the general scheme and the various pension schemes (mandatory or optional).Maximize the amount of retirement
Students from the age of 20 can begin to increase the amount of their retirement pension by making voluntary payments, even if they are not included in the general scheme. It is advisable to use an online calculator to determine at what age you can retire and receive the full pension rate together with the amount of your pension at the time of your retirement and the different options available to you depending on your career development and personal resources. If you notice an error on your career statement, it is possible to request a correction from the age of 44. At 54, the employee can choose their date of retirement after estimating the amount of their pension taking into account all parameters or making an online calculation. The request for retirement must be filed four months before the chosen retirement date.
Tuesday, 5 February 2013
Owning your own home or undertaking any major expansion of a building are large projects. It is necessary to have the available funds in order to achieve this goal. Home loans are ideal if you plan to buy or renovate a property or any building. This type of credit allows you to avoid waiting years to build up the funds on your own. Of course, for a long-term debt, such as a home loan, it is necessary to have personal capital, but it is always possible to obtain financing for the full costs associated with the acquisition. What are the particularities of a home loan? This is a form of loan granted by a specialized financial institution or a bank. A specific and often substantial amount is spread out over a long period to be repaid in monthly installments. If you wish to purchase one property and sell another property, you can opt for what is called a bridge loan. Th... Lire la suite
Tuesday, 5 February 2013
If you want a new car, consider the car loan, but above all else, know that there are several steps in order to find exceptional offers with the most advantages. How to find the best car loan? First, it is essential that you define, in advance, the type of vehicle, the make and the model that you wish to buy. Then, study your budget to see if you can afford a new car or a used car. Start by evaluating the budget you want to devote to your project. It is sufficient to know the maximum monthly payment that you can pay throughout the duration of the reimbursement period. Once you have verified that your borrowing capacity does not exceed 33% of your debt level, you can move onto the next step: performing an online auto loan simulation. The online simulation is the easiest, fastest and most effective way to discover the car loan offer the most adapted to your profile. ... Lire la suite
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