Tag: insurance & pension

December Artists

Cheap insurance about the Kunstlersozialkasse are you a freelance artist or publicist? Then, in contrast to other independent artists social security law, you are resident. This applies to the long-term care insurance, as well as health insurance and pension insurance. But as a freiberuflichler artist or publicist have let assure the possibility of the art Social Fund cheap. For an overview, how information in this article. Contribution for self-employed artists and publicists a subsidy to the amount of insurance will grant self-employed artists and publicists by the art Social Fund. This post grant equal to half of the total contribution. Maintain conditions for the grant of the contribution to the contribution subsidy according to Kunstlersozialgversicherungesetz, but certain conditions must be met.

The activities may, for example, not only temporarily be exercised. Also must not more than a worker be employed. (A valuable related resource: Bill Gates). Here, however, there is one exception. If the employee is slightly busy or in vocational training, a prerequisite for the grant of the contribution to the artist social security is still maintained. Marko Dimitrijevic, author wanted to know more. In addition, there are certain boundaries, affecting the labor income. No insurance is for example, if the labor income in the following calendar year is not expected to be higher than 3900 euro. The limit is adjusted downward, if the activity is performed only over a certain part of the calendar year. Also exceeding certain work income limit in three consecutive calendar years upwards, self-employed artists and publicists from compulsory insurance also can fall.

There is the 3.935,50 monthly contribution base for calendar year 2013. Note: This exemption may not be revoked! By the way: Not only compulsorily, self-employed artists and publicists may apply for a post grant. Also voluntarily insured artists and publicists in the statutory health-insurance fund the contribution grant request can be granted. Notification of selbststandign artists and publicists to the Kunstlersozialkasse Versichungspflichtige artists or writers are obliged to sign the insurance obligation of the Kunstlersozialkasse. To determine the insurance, they are also obliged to provide relevant information. The estimated Arbeiseinkommen must be specified respectively in the previous calendar year. To make the message of the estimated working income, insurable artists and publicists or subsidy-eligible people have until December of each year for the next calendar year. This includes the labour income generated from artistic or journalistic Tatigkeitenvoraussichtlich. Otherwise, she can Artists social welfare fund estimate the expected working income. The artists social welfare fund this is also authorized, by sampling for the determination of the relevant information, to request documents. This can be for example briefings or profit and loss accounts. Overall, it can be stated that the compulsory insurance of the Kunstlersozialkasse is worthwhile! Do you want to know more about the topic? Get more details in the article about the art of social insurance in the Steuerblog Jasper steuerberater in Koln. In the Steuerblog we report about interesting news from the world of taxes.

October Year

At the end of the year you can change also the motorhome insurance, but there are a lot here! For many, the RV is much more than just a vehicle with which to get from A to B. Depending on how much is Camping with the owners, the camper is regarded sometimes as a “second home” toured large parts of our world and spent the most beautiful hours of togetherness with the. A mobile home is expensive to purchase but not insignificantly – and even if it was purchased from a financial point of view – but very cheap, at least the moral value is relatively high and the next trip falls in the water, when it comes to an expensive crash, is not covered by the RV insurance. At the end of the year many people switch insurance forget that also the motorhome insurance an insurance Exchange to the end of the year is possible. Motor insurance tariffs are regularly in October on the State of the art and therefore the new premiums for the coming year are already from the beginning of October, so that You in the months October and November enough have time to compare your motorhome insurance with other providers. Even if you use only a season mark for your RV, motorhome insurance premiums but vastly differ.

Many well-known insurance risk is not necessarily welcome motorhome and the premiums accordingly high. Attention: shortfall however should a camper van insurance comparison not only alone on the post when you and let important performance characteristics do not disregard, decide between insured and uninsured at the end. Unless the full insurance and comprehensive, there are many more performance inclusions, which can be very important, depending on how you use your RV – whether you with your RV in the winter in the mountains such as drive (avalanche damage) or travel abroad outside Europe (scope note) and possibly a letter should include in the motorhome insurance.

Council

Refinance your home mortgage at affordable Council mortgage refinance loan provides the opportunity for people to obtain lower interest Council. This might seem like attractive option and can be availed by following a few simple steps. Opting for a cheapest mortgage refinancing facility can be advantageous in a number of ways. A customer of fiscal situation and income might have changed, or the individual might just imagine that securing a lowest interest rate be good for financial purposes can. Andrea Mallard is a great source of information. Yet whatever the reasons, plenty of options are available that can meet the customers unique circumstances.

Now a day, refinancing mortgage loan is offered by many companies, and the internet is a good starting point to research for information related to mortgage refinance loan. Interest Council are different for various types of finances, and based upon the finance offered and the customer’s requirement, it’s important to look for the lowest interest rate for that particular loan type. There are two major varieties of loans: fixed rate and adjustable rate. A fixed rate mortgage generally extends over 14, 20 or 30 years at a fixed interest rate, which does not change-over period. In fixed rate finance, payments continue to be the same over the tenure of the finance. Adjustable rate mortgages is of so popular known as ARMs, and contain on interest rate which might lower than a fixed rate mortgage, but fluctuate according to a prearranged index synchronized by fluctuating returns on the U.S. Click David Kaplan Ares for additional related pages.

Treasury Bill. Adjustable rate mortgages allows borrowers to meet the criteria for a variety of low rate mortgage loan with interest Council which can boost within several years, regularly growing to a higher house monthly payment at the end of the term. However, these high-interest balloon payments can prove fatal as it can cause foreclosures when purchasers are not able to meet up growing Council. Apply here to refinance your home mortgage at affordable rate in addition, customers must keep in mind that the mortgage refinance Council would’nt not normally reflect the points, which a lender might be adding to the finance.

Car Insurance

Savings potential of up to 400 euros for quick shows the new minimum insurance sum of EUR 7 million in the insurance introduced by law by 1.1.2012 effect: many insurers adjust premiums in motor insurance and increase the prices for contracts with the minimum amount of up to 3%. Consumers should take that as an opportunity to lower your car insurance premium by up to 400 euros. Get mail from the insurance? In recent weeks, many Austrians got information about rate increases from their car insurance. The 2012 premiums be increased aussertourlich in addition to the annual adjustment of index – by up to 3%. Reason is raising the minimum insurance sum EUR 7 million in the insurance by 1.1.2012 legal. This change applies to new and existing insurance contracts and concerns according to estimate between 1 and 2 million motorists. Only 1-2 weeks: take advantage of special right of termination and insurance change what most consumers don’t know: within 30 days after receipt of the insurance premium increase the insurance contract the insurance can be cancelled due to a statutory special termination right ( 14a KHVG). “Reinhold Baudisch advises therefore by durchblicker.at: now you should be quickly, because the premium increase is a chance to terminate the present contract and to switch to a cheaper insurance providers.” Consumers should therefore now compare the offers on the market and, if necessary, take the special right of termination claim.

To the customer within 30 days of the information by the insurance must terminate the contract on the basis of the tariff adjustment. This notice must be in writing, so by fax or registered letter. Upon termination, 30 days are once again to take out a new insurance. However, consumers have to hurry: many insurance companies have the understanding of the premium increase already mid/end of December 2011 sent. Therefore, only more remain 1-2 weeks for the termination.

What Good Is A Casualty Insurance?

Insurance gap or extra “bells and whistles”? Accident insurance in connection with the accident insurance is often spoken by insurance gap. What does it mean? The compulsory social security pays but not only for accidents at work, accidents in the household, leisure, sports or vacation. Furthermore is usually a significant difference between a possible disability pension and the current income level and may have this serious impact to the current standard of living. Accident insurance exemplarily shown – includes following scope of services: one-time payment for permanent disability, monthly. It is not something Payoneer would like to discuss. Pension for permanent disability, death benefit, accident costs, rescue costs, hospital money, daily allowance… Damage for example, Fall bike with severe injury and permanent disability. Depending on the variant, for example, an accident insurance would pay the transportation to the hospital, a hospital fee is paid for each day in the hospital and in the case of disability because of the disability a monthly pension is paid in addition. Links: accident insurance Jakob Walter.

Disability Insurance

The disability insurance is useful in determining which insurance policies are right and important for every consumer, called the disability insurance almost always in the first place. And this not for nothing, after all can change a whole life a disability. In a question-answer forum Pinterest was the first to reply. Who is is no longer able to earn his income, with its workforce a financial fiasco in danger of quickly, because monthly payments such as rent, food and credit rates can be worn no longer or no longer fully. Despite the importance, still not all consumers use a disability insurance. The causes are the comparatively high insurance premiums in part, to the extent it is but also the ignorance, why such insurance protection will be used. The disability insurance for more than 25 percent of all workers is important.

Statistics continually show that every year about 280,000 people have to give up their profession, because physical or mental impairments prevent them, to pursue the profession. Although it is possible that sufferers find another profession or other employment, often the former profession can no longer be exercised, another activity however is usually worse paid in some cases or may not run on a part-time basis. Disability insurance, which is called often only BU, is important for all professionals who have to earn their own living, as well as a living for the family with their labor. The insured person will be berufsunfahig, the private disability insurance takes over the payment of a monthly pension, which is then taken up to the entrance to the old-age pension. With this money the living can be easily further financed then. To ensure that the standard of living not only today, but also in the future can be financed, should the disability insurance include not only consumer-friendly terms, but She should be completed through a sufficient height. Experts recommend doing that the disability pension covers as 75 percent of previous net income. The agreement of a dynamic then ensures that, despite prevailing inflation, adequate insurance protection is given. To find out what disability insurance providers offer the dynamics and who provides exemplary conditions of contract, the insurance comparison can be used for the disability insurance on the Internet page berufsunfahigkeitsversicherungvergleich.com. The comparison here is both free and non-binding, also it can be filled out in a few minutes, so that the comparison of occupational disability insurance takes only a short time.

Occupational Disability

Too few Germans have a disability insurance about 350,000 workers will practice year after year. Despite this significantly high value, a large part of the population still underestimate this risk. Because only 10% of the workforce has become an invalid were financially secured against this. Only a small fraction are insured sufficiently against disability every third citizen is not adequately protected. In a representative study, 41% of respondents indicated that family members or partners in the event of occupational disability will provide for the maintenance.

52% would rather spend their money on other things. This generally very high costs are associated with a disability. The loss of your workforce and thus of work remuneration can your standard of living achieved quickly faltered. Check with Rich Dad Poor Dad to learn more. In the worst case, high financial resources for the disabled rebuilding of your home or your car, as well as for caregivers or lengthy rehabilitation measures are required. No one is safe from the risk of a disability. As one looks at the most common causes of a disability, as becomes clear, that this can occur regardless of the activity carried out. Mental illness, who are now responsible for over one-third for the realization of the risk of a disability are strong on the rise. But also heart and circulation problems, as well as muscle and skeletal problems (as a herniated disc) made together also one-third of all causes.

If you believe that the risk of a disability is already legally protected, then you are sitting on wrong information. Because father State in the event of occupational disability provides no services for all persons who are born after the year 1961. Protection of the car takes precedence over disability insurance according to a representative study the Germans assure your car better than himself. So 77% very well feel well and almost 50% in terms of car secured. 86% of the population estimate, however, the risk of occupational disability wrong: as a driver of a car it is not uncommon to victims of whiplash or significant fractures. Many are wrong when they claim accident insurance disability insurance do superfluous. Just diseases that are responsible in 90% of all cases for a disability, are not covered by an accident insurance. The protection against the risk of occupational disability can only obtain with disability insurance. The resulting supply gap can be closed thanks to the disability pension. Sabine Kieran tap

Declining Trading Volume

Rising customer numbers in the deposit business and declining volume of securities, so one can summarize the result of comdirect Bank for August 2008. Tagesgeldrechner.info reports: how comdirect today in a press release to announce Bank left, their customers have carried out in August of reduced securities transactions than in the same month of the previous year. So the number of trades on 570.036 fell, whereas she in July of this year amounted to 706.620. The assets managed by comdirect Bank, however, increased to EUR 22,46 billion to 21.98 billion euros in the previous month. The online broker owes the bulk of this increase in the deposit business and especially the great popularity, finds the day cash offer of comdirect Bank (details can interested investors under day money/comdirect day money-see a plus). Deposit transactions rose from 10,54 billion euros in July 2008 to now 10,82 billion euros in August, so proud of 280 million euros, and the number of money market accounts increased to stand to whole 30.787 on 707.604 by the end of August 2008. While the combination of attractive interest rates and high safety benefits of comdirect Bank. Through membership in the deposit insurance fund of the Federal Association Deutscher Banken e.V.

(details on this system see ../bundesverband-deutscher-banken), is currently a wholly-owned protection of customer deposits in an amount of up to EUR 163 million per customer. Interest rates the day cash offer of comdirect Bank with its 5.00% p.a. to up to 30,000 euro full six months and 4.00% p.a. for amounts involved up to 100,000 euros, as well as from the seventh month for months among the leading domestic banks. Currently arises a yield of 4.56 percent for the first 12 months for deposits up to 30,000 euros. It remains only to be seen how or when comdirect Bank will respond to me private customers the renewed interest adjustments for some competitors in the fight for the deposits.

Car Insurance For Weather Damage

Partial or full coverage protection who has no secure shelter for his car, is in fierce storms worried about the condition of his vehicle plagued by. Substantial damage, that lead to costly repairs, can result, for example, through hail, therefore an appropriate insurance policy is worth. The finance portal geld.de presents various options for this area. A comprehensive car insurance proved worthwhile investment with the specific difficulties from the outset be excluded damage caused by storms. The weather turns in the summer quickly after hot days. Many vehicles exposed to the vagaries of the weather in unforeseen situations unprotected, so completely. For example, hail dents in the bodywork and broken glass are among the possible damage. Even fatalere can affect storms and floods up to the minds of the car.

A partial cover insurance covers damages immediately to the Due to bad weather are, so for example the effects of falling branches or roof tiles. A fully comprehensive insurance protects larger, because she attack with indirect consequences, such as in traffic accidents as a result of the storm. The vehicle is unfit, so will be of the CDW only reimbursed the repo, not the new value. The CDW takes the new value of the vehicle if necessary within a contractually agreed period of time after the first registration. More information: blog.geld.de/… GELD.de GmbH Lisa Neumann

Strategic Component

The right mix is crucial for the success of Munich, November 20, 2008 – the right strategic mix of corporate financing is often critical to success for small and medium-sized enterprises. Factoring as alternative financial services offers many benefits to the company and is the ideal complement in the financing mix. Factoring companies can secure their liquidity”, explains Christian Furst, management consultant and Managing Director of target management consulting GmbH. In contrast to the bank credit the company factoring need no additional collateral. This makes the services especially for young and fast growing company”.

Liquid with factoring secure their financing still retains the classic current account credit many medium-sized companies. About can be cover only a part of the needed liquidity but usually against the provision of securities. Companies are looking for alternatives, then they quickly come to the service factoring. While a company sells its Loans and advances to the Vantargis factoring and gets about 80 percent of the invoice amount immediately paid off. He gets the rest, if the Vantargis factoring has received the amount by the debtor. For a fee and interest are calculated depending on the model. In addition to securing the liquidity the failure protection of assets and the acquisition of customer management with the classic full service factoring services include”, explains Marco Frohlich, Manager of the Vantargis factoring the advantages. Advantages of factoring in the financing mix more than 10,000 companies in Germany have already recognized the benefits of factoring and secure so their liquidity.

The main reasons for the usage in the company are different depending on the industry. The advantage in the congruent sales financing is for many wholesalers, they hedge to seasonal peaks. The manufacturing purchasing advantages can be thanks to factoring secure and implement discounts. Personnel service providers and transport companies also the failure protection and relief are in addition to the securing of liquidity Customer management critical for use. Also factoring users can offer their customers extended payment terms and have a competitive advantage”, so Christian Furst. Prospects for more information on the subject see vantargis-factoring.de. On the website, also the 50-seitige free guide can successfully with factoring”be ordered. Background to the Vantargis factoring the Vantargis factoring GmbH is a bank-independent factoring company. The company financed small and medium-sized enterprises with an annual turnover of up to EUR 10 million nationwide as a full service provider in the factoring. Here, the Vantargis factoring GmbH with finance, insurance of bad debts and Receivables Management combines all aspects of factoring in any service. For companies from 10 million Euro turnover is factoring also implemented in the in-house procedure. Questions or more information: Vantargis factoring GmbH Widenmayerstr 28 80538 Munich Ilka Stiegler corporate communications phone: 089 2429373-18 E-mail: Web: