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.

Claudia Lunderstedt Georgi

Also on extra-judicial writings which send different lawyers for investors in the South financial holding AG, there is no reaction from Regensburg, Germany. Currently only one rising at the South financial: fear, fear of investors in most people, who have put their money in bonds South finance AG, is growing. Quite a few investors have the bond of the trading house Accessio AG (formerly Accessio Handelshaus AG, formerly driver & Bengsch AG) purchased. These fears are well founded”, commented Claudia Lunderstedt Georgi, because many securities, which have been mediated by Accessio, are now almost worthless. By Cargofresh AG about Palmer & tooth, by Salvator Grundbesitz AG up to the canning factory Zachow GmbH. Also here we advise investors to quickly check whether they Claims for damages can claim.” The flood of processes against the South financial holding AG is a beautiful piece of work is rapidly increasing on the courts.

So already dozens of investors have filed suit in the district courts of Munich and Regensburg. They had invested in a bond together around one million euros and feel well bruised. Total experts consider the future of southern finance AG very bleak. The likelihood that a company that is so expansive, still can finance itself on the financial market is more than low. The Managing Director of the DVS, Claudia Lunderstedt Georgi, contains the situation for investors in very clear words: there are two ways for South financial investors. Either let them check if when buying your system about compliance with the law and with right things has gone to, or they hope for a miracle, that improves the financial situation of the South finance AG.

I would advise them to first!” The German consumer protection ring e.V. (DVS) is specifically a for the interests of affected consumers and investors for years. Ultimate aim is to anchor a private consumer protection in Germany, consistently, effectively and competently to enforce the interests of consumers against fraudulent companies continue. The DVS bundles including the interests of affected investors. As a registered charity, he cooperates with specialized and experienced lawyers.

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

The Directive

Really, the rule will not be applied that is contemplated for nonsubject liabilities and the adressee will have to apply the reversing gears of the passive subject in the liquidation of the IVA applicable to the used service, but will not exist right to deduction. Intangible services (of lawyers, consultants, advisers ) In his communication, Salvador Trinxet talked about that the previous writing of article 56 of the IVA, that enumerates the services by which his adressee, if it is subject liabilities, can eliminate the IVA in accordance with the reversing gears, poses diverse problems essentially, interpretation problems (what he has given rise to his excessive application, sometimes inadmissible) and the necessity of the constant update of the listing contained in that one rule as new services arise in the market in order to avoid that the same fall in the scope of application of the general rule (update that it requires of long and laborious procedure). With the new norm, to the being the destiny criterion regulates general, and given the amplitude of the investment of the passive subject, these problems as soon as they exist. Recovery of the IVA Another problem of certain organization was the one that derives from the recovery of the tax supported by subjects liabilities nonestablished in the same country that the supplier of the service. If you are unsure how to proceed, check out U.S. Mint. In as much the reimbursement procedure it tended to be slow (more than 3 years in the case of the IVA to recover in Italy) and complex, is frequent, in this type of operations, that resorted illegally to the reversing gears of the passive subject and even that gives up to the recovery of the tax (in as much it will be more cheap, especially in the case of SMEs). The Directive 9/2008/CE, nevertheless, establishes a new system of unique window for the return of the IVA supported by industralists established in the EU in Member States different from his.

The return request will telematicsly realise the industralist to its Tributary Administration and will be this one that it will direct the request to the Administration of the country that must transact it. This system of unique window is only applicable to the recovery of the IVA in the countries of the European Union, not in other countries with which there is a reciprocity agreement, which they will continue being in force by 13 Directive of the IVA. The Canary Islands to maintain the coherence and coordination between the essential rules of the General Tax Canary Indirecto and those of the IVA, in parallel with the modifications in this last one, the new Law also adapts L 20/1991 of modification of the fiscal aspects of the Fiscal Economic regime from the Canary Islands to the changes that the LIVA experiments in relation to the rules that establish the location of the benefits of services.

Medians Companies

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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"

Marburg Insurance

Known at the base pension as-Rurup-rente, the Special Edition print 2013 rises by two percentage points. Thus can be used as currently 76 percent (minus any contributions to the statutory pension insurance) as special editions. 2013 Resulting limits of 15,200 euros per year for single people and 30.400 euro for married couples. Also the statutory health insurance innovations are at the turn of the year. Now 3.937,50 euro so increased the contribution assessment ceiling in the statutory health insurance both in the old and the new Lander of 3,825 EUR per month.

Parallel 2013 increases the income limit, up to the workers of the legal health insurance obligation are subject to previously 4.237,50 EUR 4,350 euros now. With the new year launches in Germany the State-sponsored private care insurance, popularly also care-Bahr”called, taken by each not infirm adults claim. With a minimum amount of 10 EUR per month (120 euros per year) the State shoot five euro (60 euros per year) monthly added. A more accurate Comparison with non government-funded services is however strongly recommended to the consumer. At the same time increases the contribution rate to statutory long-term care insurance to the beginning of the year of 1.95 percent to 2.05 percent (2.3 percent for childless). Among other things, improved care and benefits in kind are financed. Regardless of the above definitive changes to numerous legislative initiatives are planned, which could be realized in the course of the year.

So is an increase in the funding limits in the basic care for singles to 24,000 euros, and 48,000 euro for married couples as well as in the conversation as a comprehensive promotion of disability insurance, which should then benefit from tax deductions to a far greater extent. Improved transparency requirements for “Riester” and basic pensions, uniform costs regulations for Riester pensions when changing providers, as well as the greater flexibility of the residential Riester are also planned. For low-paid workers could be the discussed Life performance bond to be interesting. A pension over the basic provision should enable a tax-financed grant farther, if those concerned have deposited more than 40 years in the statutory pension insurance and also privately provided. About insurance insurance, a company of JuMFinanz UG (limited liability) has based in Marburg. On its Internet portal, it offers basic information on the following topics: Riester-rente, Rurup pension (basic pension), post-employment benefits, Sofortrente and payout plan, life insurance and pension, unit-linked life insurance and unit-linked pension insurance, British life insurance and British pension insurance, disability insurance and invalidity insurance, private health insurance.

Board Statutory

On the contribution rate of 15, 5prozent of income claim many statutory funds contribute unlimited in the amount added. Hannover, February. Actually, what must the statutory health insurance companies? Can you unbutton the contributors of additional posts depending on your preference? And whether they are allowed! But only then, if they the them budget of end of the train level, that flows to them from the health fund pot, have exceeded, so don’t come with the allocated money. This very much distinguishes it from private health insurers (PKV), this must be even in the private health insurance comparison the competition of contributions and thus they are subject to the constraints of efficiency. The additional posts of statutory insurance (GKV) must be approved by the Board of Directors of the funds but only then.

After that, the Statute needs to be corrected. Then the Federal Insurance Office has even a Word to speak. It checks to see whether the amount of additional contributions is also appropriate. Until then, the additional contributions may be required. Opposition can, however, insert only the Federal Cartel Office and under certain circumstances and after proper and careful review an injunction issued and impose appropriate fines, if the health insurance companies would require too much additional posts.

Actually, the funds are subject to antitrust law. But the experts of the VeDeVe (Association of the insured) are not quite aware to what extent is the antitrust law in the statutory health insurance. Must the cashier inform of the contributors? Yea that must the funds however. At the latest one month prior to the first contribution increase. 6 weeks are valid for the additional contribution. Example: the Fund requires an additional contribution to May 1st, it is due on June 15. The payer must be so informed until May 15. Thus, he has 4 weeks time to pay the additional fee.

IG Markets

These indicators are marked in the financial calendar. Learn when and with what regularity is publishing these data to play with advantage. Finally, try to read about finance, economics and politics as much as possible. Newspapers, magazines, blogs, comments from analysts, reports the more information read, the greater their knowledge. To begin it is advisable to focus on a single market and begin to learn about him.

Here is a brief summary about the three most popular markets worldwide. Forex, or foreign exchange market this is the most extensive and popular of the world financial market. This popularity comes from the range of investors that attracts: from the largest banks worldwide, to private investors. This market, its liquidity and the large amount of money handled daily is remarkable. In addition the procedure is simple, you buy if you believe that the first currency named in the pair is going to strengthen, or sell if you think that it is going to weaken.

Shares the stock price might be altered by certain factors. As well as the global financial market, the stock market is also influenced by the economic situation of the moment, in addition to the performance of the company in question. To learn about the latest news about the actions and what will be the trend in the market is attentive to the media and also the comments of the experts in the market, that serve as a guide when it comes to operate. If you have decided to operate in this market, it is advisable to begin by focusing on those companies whose stock price is not particularly volatile. This way, even if your earnings are not massive, not be what their losses. Each raw raw materials might be influenced by a given factor. For example, the price of gold and the US dollar are closely related, so that investors use the stability of one to invest front the weakness of the other. I.e. in times in which the economy doesn’t go well, investors bet on gold. As with the actions, it is more advisable to start by those raw materials with a more stable trend. Conclusion either that is the market you choose, opt for financial instruments with a more stable price. To begin It is best to choose the market more familiar and more stable asset of the moment. Even so, never undervalued the risk associated with any transaction. Investors who operate on CFDs (contracts for differences) choose by using tools of risk management as a key part of its strategy. This is the reason why investors who have success, maintain its success. It is always a good idea before starting to operate a look online. There are vendors who offer the possibility of opening a free demo account with which you can rate how is the trading of CFDs and platform to use. IG Markets allows you to operate in all markets through CFDs. This company offers training courses, financial expert analyses and many other resources to help you expand your knowledge on the market and therefore, skill and success in it. The above comments do not constitute investment advice and therefore IG Markets does not accept any responsibility for any use that can be made of them. CFDs are a leveraged product and involve a high level of risk. CFDs may not be suitable for anyone, be sure that you understand fully the risks involved and perform a constant monitoring of your investment.