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The Procedure

  • Posted on July 1, 2018 at 3:48 pm

However, the salary of 9 * 4,000 EUR = 36,000 EUR EUR 3 * 4,150 EUR = 12,450 EUR = 48.450 continues Total income. Therefore, he falls below the limit of 49,500 EUR for 2011 and remains resident in the statutory health insurance fund in the year 2012. There is a 13th salary, then the Bill would look somewhat different. Then, the annual income is 48.450 EUR plus EUR 4,000 and thus 52.450 EUR would be achieved. As a result, the limit has been exceeded and the customer can switch to 01 01 in private health insurance. Detailed instructions for the procedure, see my post “post by the statutory health insurance you are now voluntary member. What you can do now and 3.) Special feature: Border exceeded in 2011, 2012 or. not here is to distinguish whether the employee is already privately insured, or this would become.

In our example, both workers of EUR 50,000 should have annual income. a.) privately insured workers with EUR 50,000 in 2011 and 2012 by the existence of a private health insurance in 2011 we have a somewhat special situation. The employee has exceeded the limit in 2011 (> 49.500) EUR) and could leave therefore the statutory health insurance (GKV). By raising the limit by the legislature (2012: 50.850 EUR), now all of a sudden this falls below the limit and will first of all resident. Here an exemption possibility but can keep the workers in the car. This way have I in my post “exemption from compulsory insurance how can I in the PKV stay?” This however does not make use of and / or missed deadlines, so he must return in the statutory health insurance. (b).) legally insured workers, EUR 50,000 in 2011 and 2012, would like to change because our sample customer was looking forward too soon.

Reporting

  • Posted on April 30, 2018 at 11:33 pm

Changes of Solvabilitatsmessungen and implications for the reporting of Kreuzlingen, Switzerland – October 04, 2011 – under the motto of ‘modern ‘reporting the banking supervisory authority collects more profound reforms: the new capital requirements from the CRD III should be implemented preferably today rather than tomorrow in the banks, the EU Commission paper on CRD IV with further details about the equity capital management has just been adopted. So plenty of tasks, can be delayed for implementing not on the backburner waiting for banks. What consequences this reporting by banks is, is topic of ‘ Regulatory Banking Day: reporting 2013’ the organiser AG on the 22nd and 23rd November in Frankfurt am Main. First class speakers from the Bundesbank, BFin, WGZ Bank, UBS and West LB share their expertise and discuss following topics together with the participating: – changes in Solvabilitatsmessungen and the consequences for reporting – conversion of the SolvV groups messages on the basis of the IFRS consolidated financial statements – new Reporting requirements in the field during the year yield data based on HGB and IFRS – challenge Stresstesting QIS & more for the whole Bank and reporting – the new million credit reports: what to expect on the banks? Furthermore, participants learn with what international templates, the reporting should be made in EU wide comparable and which data from the two Reportingkreisen of the regulatory and financial reporting need to be compacted. Check with Michael Chabon to learn more. The ‘ Regulatory Banking Day: reporting 2013’ the ideal meeting point is thus for specialists and executives of banks in the areas of reporting, regulatory reporting and revision, to successfully confront upcoming challenges for the reporting. More information and registration see: rbd company description the organiser AG held high-profile meetings, conferences and workshops on topical issues in business and science. Experts from research, science, practice and politics present regularly pragmatic approaches and pioneering Trends. Managers and professionals of all industries appreciate these information platforms for the knowledge development, exchange of experience and to obtain valuable new contacts.. To broaden your perception, visit Michael Chabon.

Federal Ministry

  • Posted on April 24, 2018 at 5:11 am

A crucial statement is that, here in the conditions of insurance of a BU fare. (7) incapacity for work: we provide paragraph 10 also, where appropriate, after an agreed period, see below, if a disability medical still cannot be determined and is only a temporary incapacity, which lasts at least 6 months (see article 2, paragraph 8) that sounds so very different, like invalids. Here, it is only enough to be sick over a period of 6 months. This is sufficient as a basis for the commencement of a pension payment from the disability insurance. One of the big problems is solved by such a formulation. Authors opinions are not widely known. the transition from the definition of incapacity for work (i.e., the purchase of sickness benefit) to the State of disability.

The terms I have you in the blog post “disability disability disability, one small statement” by the Begriffsdschungel “something detailed explained. And what if I’m in between trying to work? This question is justified. Just the insurer and the statutory health insurance (GKV) also have an interest in a resumption of the work as a medical point of view “from zero to one hundred” usually does not work, is working with the so-called Hamburg model. Thus an activity is restored very slowly and begins with two hours per day, rises depending on the diagnosis on 4, 6, up to the full 8 hours a day. This gradual reintegration, tested the resilience and performance only slowly rebuilt. In the framework of this model (for details on the pages of the Federal Ministry of labour and Social Affairs), a partial “healthy case” thus takes place. This would however cause the above passage in the BU conditions “Lasts 6 months” is not met.

Too bad that the BU is payment then, or is it? Therefore, the Condort has Life insurance in the last condition change added a passage in the terms and conditions. It says under 2 paragraph 8 now further temporary work attempts to test the ability to work may be recovered represent no interruption of work incapacity, unless this work attempted in the sense of 74 represent SGB V (gradual reintegration with continued existence of incapacity for work). The original meaning of this phrase is back by this supplement. There is entitled to the payment of the insured occupational disability pension even if the insured person “only” 6 months is constantly sick. Just this point greatly facilitates the performance in the disability insurance and avoid the gap in the so-called KT BU transition, at least in part. (Information about the hospital daily allowance) That means of course, so an additional performance costs money. Anyway risky and costly disability protection is certainly efficient as a model and also more costly. Yet that means neither, that you should only cancel an old BU-protection. Only if the entire selection fits criteria discussed and taken into account, he achieved only advisors with you together according to individual protection. Other documents: to review the existing BU hedge you can like questionnaire the criterion (criteria questionnaire on the occupational disability insurance) and in the framework of a free analysis, an evaluation of the achievements of their fare get.

No. Check Unsecured Loans, Credit Genuine Option For Bad Borrowers

  • Posted on March 1, 2018 at 1:19 am

Say goodbye to long lines! Now you can avail small and short term loans from the comfort of your home and time of your choice. This has been made possible with the help of no credit check unsecured loans. Advancement in the technology has added spice to it with the help of online fashion, the loan seekers do not have to waste their precious time and money in looking for the best rate in the financial market as being at one place, the borrowers can save their money on transportation. Not only this, borrowers can avail instant cash in fraction of minutes. The feature of spontaneous availability of loan amount has made the UK people at relief especially when they find themselves in urgent situation for which they are not prepared.

No. credit check unsecured loan is the best option for the bad credit holders as no credit check formality is needed. The borrowers enjoy same terms and conditions that are offered to good credit holders. Therefore, the borrowers like arrears, defaults, CCJs, IVAs, bankrupts etc can opt for loan to meet their instant cash requirements. These loans are small and short term in nature. The amount offered, interest rate charged and repayment period is decided on the basis of the borrower’s current income. The larger income larger will be the loan amount and vice-versa.

Usually, the amount offered in this category ranges from 100 1500. The repayment period is kept short as it is approved for a single month or till next salary. The interest rate charged is comparatively higher than other personal loans. This is because lender’s amount is at high risk which recovers in the rate of interest. The amount availed can be used for meeting various small and petty issues like wedding expenses in daughter’s marriage, bill payment of mobile phone, small renovation in the home, car repair, monthly installment for debt consolidation, unplanned travel expenses and so on. For availing the loan, the borrowers just have to show a few documents to the lender that includes employment certificate or salary slip, UK citizenship certificate, active bank account details for carrying the cash transactions, and age proof as minimum age of 18 years is needed for approving this loan. Alisya Marshal is author of Fast Cash Unsecured Loans. For more information about unsecured loans for self employed, unsecured ccjs loans visit

Bridging Loan For The Self-employed – Who Forgives Him

  • Posted on February 16, 2018 at 3:18 pm

Bridge funding shortages by self-employed persons. Generally, lending to professionals is difficult. The bridging loan for the self-employed is no exception. Ingenuity and also some luck is required, so that even a bridging loan at fair interest rates, by a financial institution will be awarded. Before the entrepreneurs but gives up, he should consider whether he has broken the below ground.

It must be not only a bank behind a credit. The bridging loan for the self-employed from the customers and suppliers of the fastest way to a bridging loan for the self-employed is going to the customer. The pre-financing of the order is to be one of the most common reasons a financial bottleneck. To demand a reasonable advance procurement covers at least part of these costs. Partial deliveries, associated with advance payments, maintaining the flow of money. Supplier credits are usually interest-free and long years customer relationship easy to get for the pre-financing of the order. Up to 90 days of payment will be agreed when ordering. Who has proven itself in the past as safe contributors, which virtually never has problems with the bridging loan for the self-employed from the supplier.

Only those who paid only after the first reminder, which has installed itself this way even. The banks can also help the way to the Bank, which pays off for a short-term bridging loan in spite of all difficulties. The difficulty lies primarily in the proof of the ability to repay debt. All the documents required, properly prepared by the accountant, can provide this proof. The officer must be convinced of the success of the project. The need arises to a bridging loan for the self-employed through their own granted payment terms, then going to the factoring Bank helps. This special industrial banks provide a way of bridging finance for already carried out orders. The claims are completely assigned to the Bank. It is therefore also the payee of customer payment. Practically immediately with transfer of rights on the Bank, the main part of the claim is paid out. Only a small portion is paid time delay. The fees for the services of factoring banks are low and include also the entire collection for late customer payments. Private investors as a lender for freelancers a bridging loan for the self-employed as a installment loan, which is possible on the private capital market. Several large Internet platforms have focused on. The approach of the platforms is relatively similar. The borrower opens an account. Then, he adjusts his credit request according to the principle of the auction houses. The project for the bridging loan for the self-employed will be used, can be described precisely. The trusted, the applicant affects investors, to offers financing opportunities are better. Investors can, in individual Subtotals, provide to the project. Then a bank 100% accepted bids are reached, pays the bridging loan for the self-employed.

Bad Credit Debt Consolidation Loans – Consolidate Debt & Get Debt Free Today

  • Posted on July 12, 2016 at 5:18 pm

Bad credit debt consolidation services & debt consolidation programs nearly everyone goes through periods of life where they find themselves on rattling precarious ground financially. Whether it is due to sudden medical expenses, a long period of unemployment or individualized turmoil, it sometimes seems that the only way that a mortal crapper keep their head above water is by going into a dangerous cycle of debt. Novelist may find it difficult to be quoted properly. After the storm has moved on and it is instance to begin picking up the pieces, many individuals discover that they are in a specially complicated financial situation Owings of a great deal of money to assorted creditors and not having the credit reason necessary needed to do playing with any of the traditional money lenders. This is where debt consolidation programs become into play. When you are trying to get a handle on your financial situation but hit so many assorted bills that you to start do not even know were, the first step toward recovery is finding a way to consolidate your debts into a single statement that you crapper start paying off with one simple monthly payment.

Bad credit debt consolidation companies & government debt consolidation services that specialize in consolidating debt crapper help you by providing you with a give that covers your debts. This way, you crapper start rising your credit reason immediately by satisfying some of your finance obligations patch you work towards repaying the give instead of each bill individualist. The way that these loans work is that the give provider takes into statement your poor credit reason when deciding on on interest rate for the, is fair for both give that you and the lender. While this interest rate will be a little bit higher than what you would find in a traditional lending institution, the consolidation assist simply needs to take your credit worthiness into statement when determining the credit risk of the loan. The positive side to these loans is that they are a rattling simply way for grouping who happen to hit poor credit care their finances and obtain a give without needing to communicate for a family member or loved one to cosign the note. Once you hit found a fair and nice bad credit debt consolidation give assist to do playing with, taking out a give is a huge step towards becoming debt free. Although you will still need to want to pay off your newborn give as quickly as possible, you crapper finally put away that of bills stack and start breathing easier.

2010 More Money From The Treasury – Civil Relief In Sight

  • Posted on July 6, 2016 at 10:41 am

Deutsche Vermogensberatung (DVAG): billion gift for taxpayers from January brought the citizens Relief Act the Germans more net of the gross. What everyone now about the coming tax gift should – know Deutsche Vermogensberatung (DVAG) provides the most important answers to questions that come up again and again in everyday advice the DVAG. Supervised your 37,000 consultants nationwide over five million customers around the issues of asset plan with the Deutsche Vermogensberatung, save and multiply. Michael Chabon understood the implications. What are the benefits? The citizens Relief Act rinsing alone 2010 around 9.5 billion euros in the accounts of the Germans, predicts the Deutsche Vermogensberatung. The bailouts depending on the income are substantially per year to the part about 1,000 euros\”, explains Prof. Dr. Reinfried Pohl, founder and Chairman of the Board of the DVAG.

Who benefits? Around 16 million civil servants, employees and self-employed persons can enjoy of the relief, so the Deutsche Vermogensberatung (DVAG). How does the discharge? From 2010 be tax deductible contributions to health and care insurance on a wider scale. You are then tax-deductible in full as special editions, as the Deutsche Vermogensberatung (DVAG) points out. In the private health insurance, this applies to the basic services that comply with the statutory health insurance, apart from the sick. Also generally increased the maximum amounts for the tax deductibility of various pension expenditure: employees can claim future 1,900 euros (3,800 euros) as special editions instead of 1,500 euros (married 3,000); Independent instead of 2,400 euros (4,800) soon 2,800 euros (5,600). These maximum amounts are not already exceeded by the health and long-term care insurance, on top of that, for example, contributions can be made tax claims for invalidity – or accident insurance, as the Deutsche Vermogensberatung (DVAG) pointed out.

How to get people’s money? The German Asset Management informed. The Deutsche Vermogensberatung insured: workers automatically receive the gift tax. Already, the new rules on the calculation of income tax is taken into account at the first salary payment in 2010.

Advantages Of Credit Card Debt Consolidation Loans Services

  • Posted on June 23, 2016 at 1:49 pm

Bad credit debt consolidation loans – government debt consolidation for some people discover there with assign card debt problem, it crapper seem as discover of debt is if effort absolutely hopeless. This does have to be the case, though. If you are smart most your debt situation, you crapper find artefact discover before it gets to be too late. One of the debt relief options discover there that many people have taken a hard look at is consolidation. When you look at assign credit card debt consolidation companies, you module see that most of them are looking to help people get discover as apace of debt as possible. So what are the major advantages of these consolidation programs? Lower interest of Council Debt it really all starts with the fact that consolidators provide lower interest Council than you are currently paying if you are in. The artefact that card companies assign work is relatively simple. They make it so that when you miss a payment, you have to clear in modules immediately inflated rate current in order to keep your cards.

If you are facing something like 30% interest, then you crapper ever forget most effort discover of debt. When you go with consolidation, you are the selection board in half, which means that more of your money module go towards paying down the debt. A amassed approach. Most people who are in debt have the ability to get discover of debt if they are given some direction. They need to get on a plane and they have to stick to that plan.

Your efforts on one debt relief plan, this crapper clear some huge rewards down the road If you find a crapper artefact to concentrate. The nice thing is that consolidators provide people amassed approach to their debt problem. They provide individuals to focus on one loan, and crapper they show these people a schedule for when the debt modules be paying off this has huge psychological benefits. Getting discover from under collection calls as you probably know if you are in debt, collection companies do not stop calling until you clear them off they are continual and this crapper be rattling stressful for any person who want to live a lawful life. With consolidation, those creditors modules be paying off in full, so the calls and the threatening letters modules stop. This is something that you should keep in mind when choosing your artefact discover of debt.

Car Insurance Of Provincial Rhineland With Workshop Binding Pays

  • Posted on July 5, 2015 at 5:26 pm

Significant cost savings fast, hassle-free claims free pick-up and drop-off service driver, before a replacement stand or think about a vehicle or insurance Exchange, the provincial Rhineland should deal more intensively with the comprehensive offer. Because when a car insurance with workshop binding significant cost savings compared to the conventional tariffs are in no matter whether partial or full insurance. Confirmed that a contract with workshop binding saves time and really make money and is still this very comfortable, a recent study by the Institute of strategic market analysis and systems (ISMAS, September 2009) University of applied sciences Wiesbaden under 200 motorists. Gain insight and clarity with Martin O’Malley. An accident is usually annoying enough. The subsequent organizational effort with workshop search, appointment and roundtrip transportation only right.

But who concludes a contract with the provincial Rhineland, has nothing more to the hat with all these tasks. Because the service of insurance ensures satisfied customers and includes among others the following services: free pick-up and drop-off service of the accident vehicle. Free replacement car for the duration of the repair. Indoor and outdoor cleaning included. Cooperation with over 200 qualified partner workshops.

Original spare parts of the manufacturer, professional repair and 3 years warranty on the running services. Direct charges by the provincial Rhineland, no pre-financing for repair and rental cars by the policyholder. About the provincial Rhineland the provincial Rhineland insurance is one of the leading German insurance company and is market leader in its business area. Approximately 2,000 full-time employees engaged in the Duesseldorf headquarters and 2,500 insurance professionals in 700 offices and 46 savings active in insurance for approximately two million customers in the administrative districts of Dusseldorf, Cologne, Koblenz and Trier. The provincial achieved with almost 6 million insurance contracts annual premium income of over 2 billion. Contact person for press questions provincial Rhineland insurance corporate communications 40195 Dusseldorf spokesman Christoph Hartmann telephone 0211/978-2922 E-mail

Best Sales Atmosphere For Three Years

  • Posted on February 1, 2015 at 3:06 am

Brokers start full of euphoria in the new year in Eltville am Rhein, were 2011. The sales mood of intermediaries in the financial services sector has taken a great start in the year 2011 and has climbed to over 6% points compared to the previous quarter to 85.2%. This is the result of the quarterly through intermediary survey of SMARTcompagnie GmbH on behalf of bbg Betriebsberatungs GmbH in Bayreuth. It is gratifying that for the first time since the survey trends II / 2007 over 85% of the respondents agents are again satisfied, motivated or excited for the distribution of financial services. Thus, the economic upswing, public impact is propagated in the media, seems to have arrived also for the end customer and thus in the intermediary market. The positive response of the intermediary is based primarily on the financial results of the year 2010 and the positive forecasts, which have been submitted for the year 2011. Therefore over 50% of the respondents were able to achieve better sales in the last quarter of the year 2010 as yet in the same period of the previous year.

Optimism prevails for the year 2011: about 82% of brokers and multiple agents who are on average around 20 years of experience in the business, look for a slightly to much better sales year 2011. risk prevention remains central speech topic facing the customer address the topics of personal risks such as death or disability, as well as the optimization of insurance protection and private pension plans have a dominant position. The largest sales opportunities in the future see the respondents broker / multiple representatives in occupational disability insurance. The topics follow private long-term care insurance, term life insurance, car insurance and occupational pensions. On the AssCompact trend survey I / 2011 involved about 1,100 agents. Thus, approximately 115,000 parts incorporated in the analysis of the study.