Protect heritage
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Questions about money – answers from Helma Sick.
heritage
How to secure the lover?
I am 63, wealthy and have had a lover 17 years my junior for four years. We get along wonderfully. For the first time in my life, I'm really happy. However, there is trouble with my children. They think my friend just wants my money. So I don't want to tell you that I want to give him a larger sum in the event of my death. There will still be enough money for my children. What do I do best there?
Some insurance companies have a specific form of term life insurance that could be a solution for you. This insurance differs from others in that it runs for life and that it can be taken out with a one-off payment. In the event of your death, the sum insured paid to your partner is not part of the inheritance.
divorce
Entitlement to gain from assets?
My husband and I are living in a divorce. He earns very well and comes from a very rich family. I have been working part-time for a long time because of our three children. A few years ago my husband received several million gifts from his parents. He has this enormous sum in a non-interest-bearing account. If interest were to be paid on the money, I would get a share of the accrued interest through the profit compensation. He obviously wants to avoid that. Is there a possibility that in such a case a fictitious interest rate is assumed that could lead to a gain for me?
Unfortunately, no. According to our lawyer, there is a "fictitious interest" only for ongoing maintenance. There, monthly interest income can be credited from the assets, even if this is not achieved at all. In the case of profit sharing, on the other hand, there is no obligation to invest the money profitably.
independence
State coverage possible?
I studied design and previously worked as an employee. Now I want to start my own business. But I feel a bit uncomfortable about it because I am falling out of all state safeguards. What should I do now?
It's not that bad. Because as a designer, you can submit an application for compulsory insurance to the artists' social insurance fund. This is the statutory social security for self-employed artists and publicists. It includes pension, health and long-term care insurance. Similar to permanent employees, you only have to pay for half of your contributions yourself. In the case of permanent employees, the other half of the employer pays. In the case of artists, it is borne by a federal grant and a levy from companies that use the services and works of artists and publicists, such as broadcasters and film producers, advertising agencies, publishers and galleries. Membership is subject to certain conditions. Let us advise you on this.
Livelihood
How much do both partners pay?
I only work part time because of our child. My husband earns a lot more than I do. We are pretty divided about who should contribute how much to the livelihood of the family. Can you help there?
Our lawyer says: Basically, according to the German Civil Code (BGB), spouses are obliged to provide "family support". In other words, to use the respective labor and assets to adequately support the family. In the case of an income difference, this means that everyone has to contribute to the joint expenses proportionately according to their income. This only applies, as it is said, to "adequate living requirements". Family vacations are certainly part of it, but luxury such as a sports car is not.
Pension insurance
Keep all receipts?
I have two pension plans with different companies. So every year I get mail from two insurance companies. My folders are already overflowing. Do I have to keep all of this?
It is essential that you keep the original insurance policy and the supplements to the insurance policy. Because these documents serve as proof of the existing insurance cover.
BRIGITTE WOMAN financial expert Helma Sick runs the company with Renate Fritz "Woman and money" in Munich and is a successful book author.
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