Autumn of life at everyone

 Autumn of life
  Germany: a country of pensionersIn Germany, an army of retirees: a quarter of the population over 65 years. The average pension is 810 euros here. Retirement age of 65 years. If a German for some reason has gained experience, he will always get 350 euros "minimum" and he will pay for housing (normal area - 56 sq. m. Per person), and utilities.According to Andreas Foyzer, member of the Union of insurance - the umbrella organization of Social Security in Germany, the modern Germans little reason to be dissatisfied with the pension system.
98 percent of German pensioners can live on their pensions guaranteed quite comfortably, allowing yourself, for example, to travel the world at their own expense. But there are 2 percent, which believes their pensions for a normal life is not enough. For them there is state aid, the so-called "grundziherung" which complements pension to the subsistence level.Thus, in Germany, without adequate s
upport is not nobody.
Retiree allowed himself to help themselves, laboring part-time work, but in this case he is deprived of the right to social security. Yet, this system guarantees the payment of the apartment and almost 400 euros a month to live.German pensioners usually live in rented accommodation, often for 20-30 years in a row (is not accepted to buy the apartment, since the rights of the tenants are very well protected), and move to a more modest apartment can cost more than the further rent the same.Germans are less likely to move to a nursing home - only those who are at work do not have time to start a family and age is not able to fully care for themselves.Especially in Germany, discussed the demographic situation. People are living longer, and the birth rate is falling. At the proposal of the German government in the Bundestag passed a law in 2007 to gradually raise the retirement age for men and women 65 to 67 years. That is the retirement age, respectively adopted scheme will be gradually increased, and in 67 years people will retire from 2029According to sociologist Gertrude Backes, the introduction of the right to a full pension from 67 years in practice would mean just cost savings. Because only a few will retire, finalized to 67. As a result, people will retire, as before, in 65 years, and even at a younger age, but get less money.Israel: a country of two pensionsAverage pension - 5000 shekels. Retirement age: 67 years for men, 65 - for women.In Israel, the payments are made up of two parts. Old-age pensions and payments from the pension fund, where people deposit money each month while working. RETIREMENT now 1384 shekels. Funded pension is a plus - its size depends on how many years had to work for the benefit of Israel.If a pensioner has earned the payment of the pension fund, or it does not reach the subsistence level of about 4 thousand shekels, he will benefit. In addition, when a person retires, he put a big payout: the average income multiplied by the number of years of experience.In plus retirees are benefits to the land tax, television, etc. Utilities cost about 400-500 shekels a month - "kopeck piece" and home to 2 people.Harder for those who have not got housing: it has to be removed for the 1100-2600 shekels - depending on the region. But even they are said to allow themselves to rest at sea, or perhaps once a year, go to the "first" home.Spain: Mecca for elderlyAverage Pension - 850 euros. Retirement age: 65 years.Spain in recent years, attracts retirees from all over Europe. The reason - the low standard of living, which means lower prices for housing and food. Scandinavians, Germans and other European pensioners feel themselves kings. Although local pensioners are not a disaster - the average pension of 850-900 euros. They say that money is enough for life, not only in the countryside, but also in Barcelona. Despite the fact that the majority of Spaniards to live in rented accommodation, 1-2 times a year, pensioners can afford vacation by the sea, even in the off season. Help live discounts on transportation, abundance of inexpensive Spanish clothing brands, as well as good people. Nursing homes are not respected. Rather, a single grandmother would help distant relatives and even neighbors than surrender it to the poorhouse.Hungary: The part they do not needThe average pension in Hungary - $ 410 Pensions enough for utilities, food - without any frills, but regular meat, vegetables, and medical services (medicine is free, but some retirees have to pay out of pocket), and sometimes even travel around the country .But road transport in Hungary - one bus ride-trolley in Budapest will cost 400 forints ($ 2 more), but pensioners are entitled to free travel. "Free and you can drive around the country, but only in the cheapest class. For comfortable cars need to pay extra. It is very comfortable - I have half the country looked. Sometimes I go abroad. I recently called to Venice. Road there only 10-15 thousand HUF (50-75 dollars) worth, but was unwell, "- says the local pensioner Violetta. According to her, working Hungarian pensioners rarely, and mostly in the simple work: someone looking after the museum exhibits, and someone is selling tickets to the theater. In conclusion, it remains to add that the United States and are experiencing a crisis in Europe last year, started to reform its national pension legislation. Which now becomes much harder - from improving the border coming into retirement age and ending with a significant reduction in the size of the elderly care from the state budget.Source
In Japan

  The basis of all pensions in Japan is a basic component that receives any Japanese reached 60 years of age, regardless of whether it worked or not.
Try to calculate the basic component of an operating citizen - if the young man went to work at age 20, and worked up to 60 years, do not forget to pay monthly premiums, his basic pension is 66 thousand yen. It is interesting that moment - in Japan it is the employee decides to pay him or not contributions to the pension fund, in contrast to Russia, where pension funds are stolen every 10 years, but refuse to pay them no opportunity.Consider further contributions if the employee is paid not 40 years old, and 30, the basic part of it down to 48,000 yen, and if he paid only 25 years - up to 40 thousand. In this case, if the period of contribution was less than 25 years, the fees paid will not be returned, and the pension is not appointed. This, of course, wrong, but is beneficial to the state pension fund.About a third of the Japanese prefer not to pay such fees, the money is more profitable to buy goods and services now, not later. Just a big role and a lot of space a standard old-age pension. Accumulation in this part are as follows - 15% of the salary of the employee shall be paid monthly to the special fund. With half of the money paid by the employer for it (although, of course, it still comes out a worker, but simply refers to the loss in wages). If an employee was paying such fees all the time, when the retirement age is assigned a pension of 100,000 yen per month.
 At the time of publication 1dollar = 78, 350 yenIn the U.S.
The social system of the USA is estimated to be the best in the world. U.S. Social Security Act passed just 75 years ago. All categories of pensioners are provided from the federal budget and the states. Benefit expense exceeds all other budget items. The Act provides for two types of pensions - for disability and old age.The first in the history of the U.S. pension was Ida May Fuller of Vermont, January 31, 1940, which has made the system a total of 24 dollars 75 cents, and received 22,888 dollars, lived about 100 years. In fact, the U.S. is a pension insurance. Every person who is employed or engaged allocates 6.2% of their annual income (or part of it, part of U.S. $ 106,800), and the same percentage paid by the employer. This amount is a guaranteed pension. Americans who are employed full-time deduct - 12.4%.Average working Americans guaranteed pension of about $ 1,000. For those who do not pay compulsory pension contributions average pension is about $ 500.
There is also another, voluntary pension amount. It may consist of several sources. The first of them - is a voluntary deduction of salary to pension kotrakt with the company, which employs American. This is beneficial for both the employee and the company, as these payments are not tax deductible. The second component of the voluntary retirement - saving for personal retirement accounts. It can be a private pension fund, mutual fund, bank, etc.But this does not mean that the billionaire would receive a pension of one million dollars. That pension contributions were not a way to cut taxes, to make the pension account can be no more than $ 10,000 a year, but, in the aggregate, the monthly income can reach the size of the salary before retirement.
 In Russia."In July 2012 the average size of pensions, according to preliminary data, amounted to 9.145 thousand rubles (280 dollars), an increase compared to July 2011 by 10.8%," - said in a statement.In real terms, the average pension in July, compared to June 2012 decreased by 1.2%, the nominal amount of the pension in July compared with the previous month has not changed.The average size of pensions in relation to the average wage in the country was 33.6% in July. Penny benefits of Russian pensioners can not take into account.