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.

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 Deutschland.de insurance Deutschland.de, 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.