Internet Portales

Sure everyone wants insurance chief physician treatment, single or twin room and preferred Treatment at the doctors. But save everyone wants. Accurately weigh the two sides of the coin and make the decision under urging of Adviser. Be clear if the basic protection is sufficient for you, or you would rather have the better standard or even the comprehensive protection of comfort. And then compare the individual providers. Make a note of quiet two or three companies and test whether the insurance comparison of other Internet Portales at same conditions gives similar results. Only then we would leave us a telephone consultation or an on-site appointment.

Then, you feel that safe and can also handle the technical terms. Private health insurance requirements if you are self-employed or freelance, can sick sure regardless of their merit private. This also applies for civil servants, judges or members of Parliament. Workers or employees in 2011 is the income limit (called also compulsory insurance limit) by 49500 euro to achieve, what corresponds to the month of 4125 gross. Get the posts with the time? In the health sector, the costs increase every year. That’s common knowledge. Therefore, an increase in premium will be totally ruled out in private health insurance. Precisely for this reason, 10% of all the Privatversicherten of a special retirement contribution protection posts are dissipated, the posts continue to maintain relatively stable.

May you return in the statutory health insurance? A bolt should be advanced that you benefit from the low contributions of private health insurance at a young age and later avoid the slightly rising expenses by a return to the statutory KV in the age. Therefore it has laid down the following: A recovery in the statutory health insurance is only possible if your merit not only temporarily falls below the limit of the compulsory insurance. Merit certificates must be proven then soundly, that they were throughout the year under the 49500 euro. An exception is the Unemployment. Job seekers are usually back legally covered by health insurance. Summary: Because statutory health insurance as a percentage of the income calculated their contributions, good earners have very high contributions to pay. For this group, switching to the private health insurance in any case worthwhile. After the above, especially young people benefit from the advantages of the post. Well deserving singles and couples without children are probably better off with private health insurance. The best is still to stay healthy; Do something about it!

Giro Accounts For Students

Advantages and disadvantages of a checking account for minors apply for a youth account for minor children or a checking account for students more and more parents. To live a responsible use of money young people, students and trainees is one of the most difficult tasks in the education and calls for parents, school and environment alike. What is there for reasons for a private checking account? On one hand it is practical. The allowance paid by the parents can be transferred directly and is the kids via EC card available. The lure of that money just to spend is when cash incomparably higher. Slow running close to normal Bank operations makes it also easier to prepare the, routine banking transactions necessary in a few years. Applying for a giro about the parents is practice and dangers for underage students. They have a power of Attorney even up to the age of 18.

The ownership is running, however, the name of the child. Before parents themselves to this step and a youth account for the child decide, should the students the basic concepts like bank transfer, direct debit and Dispozinsen are discusses in depth. Children under 7 years are not legal capacity until 7 years children are generally not contractually capable. You may complete any contracts, also no contracts. It is governed in the BGB 104. Who has not completed the age of 7, falls under this provision. An account can be opened for the children, access is restricted for the kids however.

It is in this case a pure children savings account. Children from 7-18 up to the age of majority are restricted legal capacity are necessary for contracts always the consent of parents or guardians. These are usually the parents or a guardian. These regulations can be read in the BGB 106. In connection with this law is the allowance clause of section 106, which contains an exception. Contracts of children shall be valid, should the money used for the kids at your disposal been left. This is the case with pocket money payments or the training fee. The use must be however age reasonably sensible part. Which is not the case, these shops are floating ineffective”, as long as until the parents do not expressly agree to this. What that means on a first checking account? Applying for a checking account for students from 7 years is possible. Parents must sign a power of attorney to do so. The limited legal capacity allows children access to the account via an ATM card as well as the benefits of banking services such as direct debit or bank transfer orders. An overdraft, an EC card with payment function or a credit card there but only at age 18 years and older. Prepaid credit cards on that before credit is charged are an exception. Capital gains tax traps for a giro account for student interest to, so these are also subject to tax. However, it is for the capital gains tax a tax allowance of 801 EUR / year. For the checking account or savings account of children is to submit a separate exemption order.

The Greek Government

Some Socialists are moving away of the law project, like a deputy by the region of Kozani (North of Greece), who at first granted his vote in favor of the Government, but this Wednesday declared that it will not approve the measures. He is the second deserter of the PASOK in 48 hours. " Problem moral" And it is that the measures to assume by Greece in next the four years are of the maximum severity, whose social justice has been put in doubt even by the own Venizelos. " A problem of moral balance of the measures and justice exists interior" , the new minister of Finances recognized yesterday. Greece considers to perceive by means of the collection of taxes and the cut of the public cost about 28,300 million Euros until the year 2015, of which 6,500 million must enter this same year.

According to the average premises, the Government is forced to reduce the pays in the public sector besides trimming until 2015 the group in a 25%, which is equivalent to 150,000 civil servants. These employees public no longer will perceive allowance increments but more hours will have to work, with one week labor that will happen of 37.5 to 40 hours. The cuts of Venizelos include – by first time in three decades a cut of the budget to buy armament, that in 2013 will lower in 250 million Euros, and other 350 million in 2014. The Ministry of Dnsa, considered in Greece like " government within gobierno" by his enormous budget whose details do not become public, he has cancelled military orders by 830 million Euros. More imposing Thanks to a greater tax burden, the Government hopes to collect about 2,450 million additional Euros east same year and other 3,600 million Euros between 2012 and 2015. The independent professionals, who until now count on many fiscal privileges, will have to pay taxes from annual income of 12,000 Euros and that win more of this amount they will have to contribute with 1% until a 3% to a bottom to finance the unemployment insurance.

Also new rates will be introduced on the houses appraised over the 200,000 Euros and on goods like luxury automobiles, mansions, yachts and swimming pools in particular gardens. An excellent point of the program is the privatization of assets of the State, that along with the privatizations of state companies, is destined to collect 50,000 million Euros until 2015. The cut of social benefits and contributions of the State to the s pensions s was of 833 million this year and 5,400 million between 2012 and 2015, which, along with cuts of wages and dismissals, will increase the climate of social displeasure. Papandru hopes that the European partners tend the hand once again to him to help him with a second plan of additional rescue to the 110,000 million Euros granted in 2010, to less than reduce the rampant fiscal deficit of 10.5% of the GIP to 3% in 2015. Source of the news: The Greek Government approves the new plan of adjustment to be able to obtain more money of the EU

Government and Economy

The ex-president of the Government affirms that the crisis is fruit of " very bad decisions taken in the last aos". It thinks that &quot exists the one danger; desintegracin" of the Eurozona. The ex-president of the Spanish Government Jos Maria Aznar alerted in Washington, the USA, of which the European Union (the EU) as he is today can become " insostenible" , because of the deep present crisis derived from " very bad decisiones" seizures in the last years. " There is a serious risk of which the EU we know as it today can be insostenible" , Aznar, that he was president of the Spanish Government between 1996 and 2004, in a forum in Washington organized by the School said Paul H. Nitze of Advanced International Studies (SAIS) of the University Johns Hopkins.

Europe " a very deep crisis is living, but we will be able to leave ella" , it maintained the ex-president, who argued that he has been arrived at the present situation because of " very bad decisions taken in the last aos". Without analyzing those decisions, Aznar commented that the problem has been in " olvidar" commitments and rules, and in " to deny deuda". Nowadays a risk of &quot exists; desintegracin" of the Eurozona, it warned. In a round table with a reduced means group of Hispanic speech, the president of the United States, Barack Obama, urged Monday to the European to coordinate better his fiscal policies to solve the crisis of the debt. Greece, according to Obama, is right now " great problem inmediato" , but " the major problema" he is " what happens in Spain and Italy if the markets continue attacking against those countries very grandes". Source of the news: Aznar warns of " serious riesgo" from which the present European Union becomes " insostenible"