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Monday, 13.01.14 , written by Christian Hafler The improvements in the statutory pension are an important part of the coalition agreement. But now Federal Labor Minister Andrea Nahles makes clear that the plans are not feasible without funding from tax revenue. The pension package should therefore regulate higher tax subsidies from 2018 onwards. However, there are no tax increases, the 

 Mütterrente und Rente mit 63 im Rentenpaket von Andrea Nahles

Pension plans by Andrea Nahles: Financing from contributions or taxes

Andrea Nahles has yet to present its bill for the financing of pension plans from 2018 from tax revenue. But already it hails criticism of the financing plans for the pension. The coalition partner Union urges Nahles to seek to implement the pension plans themselves, rather than worrying about funding in the next legislative period. For example, Nahles plans to present a bill on the pension package at the end of January. The purpose of this legislative proposal is also to regulate the tax financing of the pension plans. In the long term, it is hardly possible to finance a maternity pension and a pension of 63 from contributions to the statutory pension insurance scheme. In order to avoid substantial increases in contributions, therefore, an increased subsidy from tax revenues must be made from 2018 onwards.

Mother’s pension has to be financed by all citizens

The coalition agreement has already set an increase in the tax subsidy of € 2 billion to € 81 billion a year. According to the Federal Ministry of Finance, this will be sufficient by 2017 to finance the current expenditure on pension insurance. For example, the Chairman of the CDU / CSU SME Association, Carsten Linnemann, admits online that the mother’s pension is a “total social benefit” and must therefore be financed by taxes. Tax increases are not necessary for this, but the money should be made available by savings elsewhere. SPD leader Sigmar Gabriel also emphasizes that the mother’s pension must be financed permanently from the federal budget.

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Pension package of Andrea Nahles permanently dependent on tax funds

The Nahles pension package includes several measures. For example, the mother’s pension should be better for older mothers with children born before 1992. Only the mother’s pension will burden the statutory pension fund with approximately 6.5 billion euros per year. Even the non-abusive pension at 63 and the improvements in the disability pension lead to higher costs. To finance this, the Grand Coalition suspended the planned reduction in the 2014 pension contribution. However, this is not enough for long-term financing. In general, contributions to pension insurance can only be kept stable if the German economy continues to grow.

Future of the German pension

Even without the planned improvements in the statutory pension, it is questionable how the benefits for the legally insured can be financed in the long term. Especially the young professionals of today can no longer rely on a sufficient retirement pension in the same way as their parents or grandparents. Private old-age provision is becoming increasingly important alongside statutory benefits. In the past private preventive efforts, such as the Rürup pension, have been further improved. Because without private provision threatens many citizens later age poverty.

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Best liability insurance for 2015: 111 very good rates

The current liability insurance test of financial test shows: The one best liability insurance is not there for 2015 or 2016. Because of 235 examined offers almost every second performs very well. Families can secure themselves for less than 50 euros a year.

Beste Haftpflichtversicherung für 2015: Fast jeder zweite Tarif sehr gut
The best liability insurance for families also secures children

A total of 111 tariffs for families can convince the experts of Finanztest (issue 12/2014) in the private liability insurance test. With such a large selection it is difficult to find the personally best liability insurance for 2015. While almost every second tested private liability insurance receives the quality rating “very good”, four tariffs can secure the highest rating . It refers to

  • InterRisk “XXL”
  • Helvetia “Comfort Vital + Building Block Plus”
  • Asstel “comfort”
  • Helvetia “Comfort + Building Block Plus”

These tariffs cost between 96 euros and 118 euros a year. Much cheaper is also the “very good” rated rate “Exclusive Fair Play” of the Black Forest Direct. Here is the insurance contribution at 48 € per year. However, the sum insured for personal injury and property damage is significantly lower than for the four test winners. Interested parties should therefore not only pay attention to the price when choosing their best liability insurance for 2015 . The benefits must also match the personal insurance needs. In case of doubt, a higher sum insured is advisable.

Service: Which liability insurance secures you optimally? With the liability comparison calculator you can quickly find out which offers are tailored to your needs.

Focus on achievements: which is the best liability insurance for 2015?

Finanztest has examined 235 family rates for the current liability insurance test. The services were examined intensively. If an offer does not meet the basic protection set by the consumer advocates, it could not achieve a better rating than “satisfactory”. Important services include, for example, the assumption of costs due to damage to third-party computers as well as the reimbursement of damages of reasonableness . This refers to damage in one’s own four walls that develops over time, for example due to moisture.

The evaluation of the basic protection, together with the sum insured, contributes 67 percent to the overall result. The remaining percentage points make up additional benefits. The best liability insurance for 2015 convinced by a very high level of performance.

The last liability insurance test of the magazine Finanztest, which belongs to Stiftung Warentest, dates back to January 2013. Even then, the providers InterRisk and Asstel with their tariffs were among the best liability insurance policies.


“Consumers are very likely to be better served with a current, very good tariff than with a contract signed before 2010.”

Holger Rohde, financial test expert

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Best liability insurance for 2015: Extras make the difference

Although there are, according to the current liability insurance test very many recommended offers. But this positive result does not replace a personal comparison, as still too many tariffs in the test disappoint . Two liability insurances even achieved only a “poor” rating.

Since there are decisive differences in performance even among the very good offers – for example, the reimbursement of losses caused by infants – it is worthwhile for those interested to have a precise price and performance comparison. Stiftung Warentest also recommends “switching from older contracts to new ones.” Because many of the damages that are covered today were not included in the insurance coverage in the past.

Update September 9, 2015: Also in the liability insurance Comparison 2015 by Focus-Money, the conclusion is positive. Half of the 30 providers examined are convinced by above-average performance. The basis for this judgment was almost 3,000 customer opinions, which were evaluated.

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Tuesday, the 11.03.14 , written by editor Uli Hoeness, Boris Becker, Klaus Zumwinkel – the list of prominent tax evaders is long. Whether caught by self-report or by tax inspectors, they all have to answer in court or in public. But who has made a name for himself as the biggest tax evader due to particularly high sums? >

Nobody makes a name for themselves with tax fraud – not even celebrities like Uli Hoeneß or Alice Schwarzer. When rich people evade their taxes, the Germans clearly find this immoral . According to a Forsa survey, 99 percent of respondents consider tax evasion of the wealthy to be “out of order,” reports Wirtschaftswoche. The tax evaders themselves are usually remorseful. Others, like Alice Schwarzer , see themselves as victims of the media. How much she has evaded taxes is unclear. With a payment of 200,000 euros, she has been able to clear her tax account. Which prominent tax fraudster the Treasury has kept most money, shows the top 5 of the largest tax evaders.

top 5 der steuerhinterzieher

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5th place of the most prominent tax evaders: ex-time editor-in-chief Theo Sommer

In fifth place of the prominent tax fraudsters is the former time editor-in-chief Theo Sommer again. He withheld taxes of 649,000 euros from income from freelance work to the tax office. After Sommer’s statement to the Hamburger Abendblatt, the failure comes from the fact that he always took care of his work, not his finances. Sommer speaks of his offense as a “folly” that he regrets. To remedy his tax debt, he had to accept great sacrifices for his pension and sell an apartment on Sylt, said the former editor-in-chief.

4th place: tax collector Klaus Zumwinkel

Place 4 of the prominent tax evaders goes to Klaus Zumwinkel, the former postmaster and chairman of Telekom and Postbank. He has 1.2 million euros passed the treasury . The public spectacle was especially the search of Zumwinkels Villa in Cologne. He returned as a result of the tax affair his Federal Cross of Merit and the Order of Merit of North Rhine-Westphalia.

3rd place: Boris Becker – from the tennis court to the courtroom

Third place went to Boris Becker with his tax fraud of 1.7 million euros . He pretended to have his main residence in Monaco for years. Actually, however, he mostly stayed in Munich. As a result, he was able to evade income and wealth taxes in the seven-digit range. Before the process, he paid already 3.1 million euros at the tax office and thus prevented a higher penalty. His sentence was two years probation and earned him a fine of 500,000 euros.

2nd place: Peter Graf hid millions of his daughter Steffi Graf

The father of another tennis legend, Steffi Graf, had to answer for an even higher sum in court. Peter Graf was convicted of tax evasion of 12.3 million marks, around 6.29 million euros . He concealed from the tax office an income of his daughter of the equivalent of 21.47 million euros. Peter Graf was sentenced to three years and nine months’ imprisonment, but was freed after 25 months for good conduct.


The impact of the tax moral of prominent role models on the “honest citizens” is shown by the Forsa survey mentioned earlier. According to it, 13 percent of respondents think it’s okay to apply one or two little cheats in their own tax returns. Many see this as a trivial offense or self-justice.

1st place: Largest German tax evader is …

The current developments in the Hoeneß process have long been exciting. The prosecution has initially charged the Bavarian President with tax fraud in seven individual cases and with evaded taxes of around 3.5 million euros. But the process had some surprises in store. After own confessions Hoeneß has not paid 18.5 million euros in taxpayer money. A spokesman for the Munich public prosecutor’s office finally estimated the tax debt at 27.2 million euros . This makes Uli Hoeneß the greatest German tax evader of recent years.

Update March 13, 2014: Hoeness was sentenced to three and a half years in prison today. The Munich Regional Court found him guilty of tax evasion in seven cases. The tax debt has grown again. It now amounts to 28.5 million euros due to the calculated solidarity surcharge. Hoeneß’s self-report, with which he wanted to secure impunity, the judges considered ineffective.

The tax moral of celebrities is poison for the tax honesty of citizens. Much more than the 13 percent mentioned above probably argue that if millions of people go after them, the little man can at least employ the cleaning lady in black or increase the advertising costs. The state costs such small offenses quickly 50 to 60 billion euros a year, estimates the German tax union .


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