Páginas sobre el tema: < [1 2 3] | Poll: What % of your income are you putting towards your retirement? Autor de la hebra: ProZ.com Staff
| save with what? | Aug 26, 2013 |
JanaB wrote: James McVay wrote: I am amazed that over 47% of those responding are not planning for retirement. I hope I don't offend anyone by saying this, but that shows an incredible lack of foresight. Consider this a kick in the butt. If you aren't investing for retirement now, please start immediately -- even if you have to sacrifice dining out or an occasional holiday to do it. You say you can't afford to save for retirement? I say you can't afford not to. I was surprised as well, but the question is how should we save in the face of increasing costs for living, increasing costs for health insurance (which is mandatory and very expensive here in Germany), inflation etc. When you are not part of some sort of national pension scheme you don't know for sure what's the best way to save for retirement. Saving at current interest rates does not seem to be that favourable, so what are the options? Gold, silver? Or simply stuffing your pillow with money? ... I don't know and it's really a difficult and little depressing subject for a freelancer. Exactly, my health insurance (since I was forced to change from my inexpensive UK policy 4 years ago) costs me nearly 400 Euros. When I inquired into paying into a pension fund 12 years ago when I moved to Germany, they told me to get a pension of around 300 Euros a month !!!!! I would have to start paying in 400 Euros a month until I was 67. Yeah, right! btw, despite earning relatively good money, after all the bills come in, we consider ourselves lucky to afford a take-away and having a real meal out is a considered luxury. So, I pay in what I can afford to a savings plan and not to the government as it is not worth it. The government will have to provide me one day with social security or whatever as it is not allowed to let anyone sink below a certain level of poverty! so why pay in what I will not get back anyway? | | |
Allison Wright wrote: Could this question not have been saved for a Tuesday? LOL, wouldn't Friday be better or would that spoil the weekend?? | | |
the rest of the nuclear power plants are safer over there in Japan. We have too many here too for comfort. So why bother paying more money to the governments who in turn use it for 5 different brands of luxury mineral waters at their interminable meetings instead of investing wisely in pension funds????? Julian Maybe I was overcome by the lack of a nest egg. Gasp! But I do have one in the form of a national pension that I see disappearing into the sunset with each passing day. I hope the Japanese economy hasn't sunk before I can start to claim. | | |
Heather McCrae wrote: [Let's hope] the rest of the nuclear power plants are safer over there in Japan. We have too many here too for comfort. Erm.. I think "safe nuclear power plant" is a bit of an oxymoron.. Steve K. | |
|
|
Retirement? Why? | Aug 26, 2013 |
Why should we even retire? It would be kind of boring, wouldn't it? Why not to expand the company, have others earn the money under our name and act as a mentor / patron for as long as we want to? The lawyers do it, why can't the translators do it? Anyway, that is exactly what I am going to do in 30-40 years. | | | Allison Wright (X) Portugal Local time: 14:24 The two working days before Monday | Aug 26, 2013 |
Heather McCrae wrote: Allison Wright wrote: Could this question not have been saved for a Tuesday? LOL, wouldn't Friday be better or would that spoil the weekend?? I don't normally pay much mind to what day of the week it is, but had just returned from the tax office, where "Monday morning" was in full swing. It was contagious, I guess. @ Julian: a Facebook "like", for what it's worth. | | | Noura Tawil Siria Local time: 16:24 Miembro 2013 inglés al árabe
Vera Wilson wrote: Noura, I can't imagine how difficult it must be to live there at the moment. Good luck to our colleagues over there and the people of Syria. _____ Merci, Vera. I appreciate it. We do what we can and live as best as the circumstances allow as to. My own family has seen nothing compared to what others had to go through. At least we're grateful for that. | | | Elina Sellgren Finlandia Local time: 16:24 Miembro 2013 inglés al finlandés + ... Interesting! | Aug 27, 2013 |
I was surprised by this question since in Finland it's mandatory for entrepreneurs to take a retirement insurance! For the first 2 years it's a smaller %, but after that it has to be raised to about 22 %. However, you can determine yourself the amount from which the percentage is taken, so you can pay very little if you want to.. This amount that you pay every month will also determine your maternity leave pay, unemployment support, and other social security benefits. So if you pa... See more I was surprised by this question since in Finland it's mandatory for entrepreneurs to take a retirement insurance! For the first 2 years it's a smaller %, but after that it has to be raised to about 22 %. However, you can determine yourself the amount from which the percentage is taken, so you can pay very little if you want to.. This amount that you pay every month will also determine your maternity leave pay, unemployment support, and other social security benefits. So if you pay only 5 €/month for the insurance and due to an illness you have to quit the profession entirely and become unemployed, you better have savings. ▲ Collapse | |
|
|
inkweaver Alemania Local time: 15:24 francés al alemán + ... Exactly, save with what? | Aug 27, 2013 |
Heather McCrae wrote: Exactly, my health insurance (since I was forced to change from my inexpensive UK policy 4 years ago) costs me nearly 400 Euros. When I inquired into paying into a pension fund 12 years ago when I moved to Germany, they told me to get a pension of around 300 Euros a month !!!!! I would have to start paying in 400 Euros a month until I was 67. Yeah, right! btw, despite earning relatively good money, after all the bills come in, we consider ourselves lucky to afford a take-away and having a real meal out is a considered luxury. My health insurance costs me well over 400 Euros, add to that taxes, the rent for the flat, utilities (my landlord just sent me a bill over an additional 700 Euros for last year), where the heck is all that money supposed to come from? Well, I suppose I don't need to take my daughter on holiday once a year (the only luxury we allow ourselves), I suppose I don't even deserve one for working on weekends and holidays... I should really just work 365 days a year, shouldn't I, so I can pay taxes and all sorts of insurances like a good citizen? | | | Páginas sobre el tema: < [1 2 3] | To report site rules violations or get help, contact a site moderator: You can also contact site staff by submitting a support request » Poll: What % of your income are you putting towards your retirement? Trados Studio 2022 Freelance | The leading translation software used by over 270,000 translators.
Designed with your feedback in mind, Trados Studio 2022 delivers an unrivalled, powerful desktop
and cloud solution, empowering you to work in the most efficient and cost-effective way.
More info » |
| TM-Town | Manage your TMs and Terms ... and boost your translation business
Are you ready for something fresh in the industry? TM-Town is a unique new site for you -- the freelance translator -- to store, manage and share translation memories (TMs) and glossaries...and potentially meet new clients on the basis of your prior work.
More info » |
|
| | | | X Sign in to your ProZ.com account... | | | | | |