Not only legally compulsory employees can benefit from the funded Riester-rente Riester pension for self-employed persons with simple tricks. Also married tradesmen and freelancers can get access to the Riester pension with simple and legal tricks. This they must do not even own contributions. In the first variant, the eligible spouse must already have an own Riester contract and to pay the contributions. The self-employed spouse may conclude an own Riester contract under this condition and apply for State funding. Needs of the self-employed to afford no own contributions, thereby receives the annual promotion of reason without further requirements. This is enough only to a very scanty pension, recommend higher own contributions.
In the second alternative, the self-employed adjusts his spouse as mini-jobbers in his company. Then the spouse waive voluntarily that actually Pension insurance in force, freedom, is however to an immediately eligible. The self-employed in turn will indirectly qualifies as the first variant. Need to now a few euros per month on the pension fund be dissipated, but far outweigh the financial benefits. Again, only the employed spouse must pay the contributions, while both full allowances. Even more attractive, if the couple has children, it will wait now more allowances.
Attract not only state money gifts. The spouse can deduct tax according to the height the own contribution payments up to 2,100 euros as special editions. It should be noted that only the direct beneficiaries but spouse benefits from the special deduction. The indirect eligible spouse has initially no tax bonus. Should however the immediately eligible legal spouses do not exploit the maximum of 2100 euros through their own contributions and allowances, can also indirectly authorized partner Riester contributions to the common Setting off the ceiling. So when high income is a tax savings of up to 1,000 euros. 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. Contact: Stefan Gobel JuMFinanz UG (haftungsbeschrankt) reel 1 35037 Marburg Tel.: 06421-1685500 fax: 06421-1685480 E-Mail:
The head of the German Medical Association Ullrich Montgomery considers doctors for possible private insurers and Medical Council before agreement a speedy solution of the discussion on a new schedule of fees. Federal Health Minister Daniel Bahr honored absorbs the new hope, will support in their efforts the PKV Association and the Medical Council. Legal protection for doctors called for Montgomery is right, that a change in the schedule of fees must be completed in the near future, because such an arrangement not with current regulations is available at the moment. More info: Oak Ridge . Also, a such scheme should cover only doctors with legal shall and secure fair cost to the private insurance companies. For Montgomery, it is clear, I am very hopeful that we can submit an offer the Federal Minister of health in the near future with the PKV Association, that he can not refuse. “Also for Rolf Bauer, the head of the Continentale insurance, is clear that in this” Direction must do some. To ensure a fair distribution and the ratio were, the car needs a tad bit”better pay than the statutory health insurance.
Only way the PKV Association and the Medical Council to benefit equally from the rules relating to fees. Health Minister Bahr assures support also Daniel Bahr was delighted about the progress of the discussion. “If PKV and doctors agree, I will not deny me the” was the clear message from Bahr’s to the newly acquired solution opportunity. For Montgomery but also one must clearly be stated that an agreement is possible only if both parties jointly come to a solution and not a party make concessions.
no doubt more that people who are planning a stay abroad will need also a private health insurance is an almost unknown rule in SGB V for chronically ill there for years. Almost all legal health insurance companies recommend a health insurance your insured in an abroad, especially if the journey outside of the countries with which there is a social security agreement. A required return from abroad is never insured with the statutory health insurance. For all private health insurance abroad but always so-called pre-existing conditions are excluded, in terms of insurance, it’s usually: medical treatment and other medical compulsory measures, the need of the insured person before the stay within the agreed scope, or at the time of the conclusion of the insurance was known or which she after; faced which their circumstances “For young and healthy people, this restriction is usually not a problem. However, it is difficult for chronically ill people.
There is no insurance coverage for the disease with the exclusion. In the social security code V, however, there is a provision which is not immediately known among unfortunately many statutory health insurance. The cases are regulated in 18 para 3, where the person due to age or illness before will receive no health insurance. Check with Isaac Dabah to learn more. A prerequisite is proof that no insurance protection for the person to get and this health insurance before the stay abroad will be shown. The health insurance then assumes the costs amounting to as these would have been created in the country during a temporary stay (max for a period of six weeks in the calendar year) abroad. Not, the costs may be reimbursed if the insured person moves directly to the treatment abroad. This little-known scheme helps in individual cases, but the maximum reimbursement cost as these have arisen in Germany is limited, it will bring only a false security. Abroad, the costs of medical treatment are often higher than in Germany.
Physician or hospital treatment in the United States several times often exceed the cost in Germany. The regulations apply only to abroad who are in school or study reasons. RAM specializes in international health insurance.
New conditions of operation and product liability for IT – and telecommunications of Zurich Group Germany must offer the ultimate in security professional liability insurance for IT and telecommunications specialists, for freelancers and self-employed workers are exposed in this area of a wide range of risks. The international networking of the IT world is a major risk factor. This globalization causes that in Germany commissioned, developed and from German locations on the other side of the world massive damage can lead to products used. Well, if the self-employed in this case has an operational and product liability, solve international disputes and covers legitimate claims. The online insurance Portal easy-insure.eu of the gb.online gmbh, an insurance broker specializing in the IT and telecommunications industry, headquartered in Frankfurt, offers independent of the IT and telecommunications industry from now another target group-specific insurance product: the ITSafeCare 2.0 of leading insurance group Zurich.
As a further development of the liability policy established successfully at the market ITSafeCare the version 2.0 important benefits for their target audience. This special insurance is conceptually and in the scope of their insurance. It covers all services and activities of the IT and telecommunications industries”, explains the Managing Director of gb.online gmbh, Lutz Groot Bramel. It provides comprehensive insurance coverage for legal contractual civil liability claims, especially when financial losses which can be secured up to the amount of EUR 1 million. Just damages can be quickly threaten for a self-employed – especially if foreign law with comes into play. Here, international expertise and local expertise is needed to optimally represent and protect the defendants.
Our customers get this service automatically included, if they complete their ITSafeCare 2.0 on easy-insure.eu “, which explains Insurance expert the advantages of expert portal on the Web. Further highlights of the ITSafeCare 2.0 from the perspective of the gb.online gmbh are the comprehensive protection against claims on lost revenues or profits, arising from the non-availability of data or the product to finished is too late or by way of derogation from the agreed condition. The mutual insurance protection for co-insured persons and undertakings is equally important. Also own damages incurred, if the contracting authority resigns or if claims for compensation are made, are automatically covered at the ITSafeCare 2.0”, explains Lutz Groot Bramel. And insured up to 10 years after the occurrence to report a claim to assert their claims. Here was really thought of all eventualities”so Lutz Groot Bramel. The online portal provides all information about the new ITSafeCare 2.0 and an independent insurance comparison.
Cheap private health insurance – saving mentality in health? “Cheap private health insurance” is searched again and again in the relevant forums and blogs on the Internet and discussed. But not necessarily the question arises, to what extent one should look at the search after a private health insurance only on the price? We should be first of all bear in mind, what you need this insurance: it’s not about that one completes a statutory insurance times just as cheap as possible, but it comes to their own health and how well they can be recovered in the event of illness. An important point comes to the fore, namely the private health insurance benefits to here. To complete a cheap private health insurance, many services are not insured often, which then sorely be missed in the event of illness. Of course this should not mean that private health insurance must be always expensive. A good private health insurance should have a balanced price/performance ratio.
But what should you do to find cheap private health insurance, which offers excellent services? Compare private health insurance a good and cheap private health insurance is often easier to find, as many believe. However, some information is needed. Here a free insurance comparison is worth, as he is often offered in the Internet. Here is however ensure that here comparable services are offered and compared. But even with comparable services, it can be said often amazing price differences.
Consulting private health insurance as a whole must be pointed out however, that private health insurance is a very complex issue. Due to the large number of providers and tariffs, it is often beneficial, a professional/expert here to consult. An independent insurance broker is certainly a valuable tool. Summary to cheap private health insurance with good performances, it is found free offers useful, request for private health insurance. After one has gained through these offers an overview, it is advisable, this then to discuss with a professional/expert and to make any improvements. In this way it should be every possible, to find a cheap private health insurance, which stands one even in case of illness with good performances for the side.
There are many changes in the new year again. The year 2012 brings the contribution assessment ceiling and the insurance limit (JAEG) with adjustments in addition to many other changes in the insurance sector. The contribution assessment ceiling affects primarily high-earning workers. Since the limit of 44.550 euros gross per year to 45.900 raised, this means that the income of workers, whose income exceeding this value lies, now more used to three per cent for calculating insurance contributions. On the other hand, it is now even harder to change for workers in the private health insurance. Because while one had to earn 2011 49,500 euro gross in the year, there are 50.850 euro in 2012 after all.
While private health insurance offers numerous advantages for high-wage workers. One can take far more services, as in the statutory health insurance. Costs for dentures, Visual AIDS and naturopath treatments will be refunded according to the tariff. In addition is also available in the stationary area of special services as the Chief Physician treatment or accommodation in a single or twin room. On the other hand can be sometimes a lot of contributions save. Because private health insurance contributions instead of income will be charged. Rather, age, health status and sex of the insured person included in the calculation. So especially younger workers without serious pre-existing conditions in part substantially less premiums paid.
However, applies here to note that in the private health insurance contributions at the age increase, but this has no influence on the legal health insurance contributions. For there is no non-contributory family co-insurance in the private health insurance about children or spouse. Who so chooses private health insurance, should do so with caution. Definitely worth a previous insurance comparison and advice from an independent insurance experts. To find not only a cheap, but also a powerful fare that suits your needs. J.
Bad credit debt consolidation made easy by the Internet “the internet and the scope of its application have now facilitated the finance market, so much so that a multiple debtor can avail the credit card debt consolidation program easily through the internet.” “Availing these services through the internet has its own merits as well as demerits.” Availing debt consolidation services online and debt consolidations loans online saves a lot of time money, and energy. If the debtor is not comfortable with the terms and conditions of the service he / she can out rightly reject accepting the services. When these kinds of transactions are done through the internet it saves the borrower as well as the lender from a lot of embarassment. Do not become a prey to telemarketing, email and spam tricks. When you become vulnerable to these child of trick the tricksters bombard your email box all sorts of emails and spam that are hardly of any use to you. When you open these kinds of emails they can jam up your computer with the virus or install spy software in your computer. Disclose your confidential data especially the social security number and the email passwords only when you are sure that they are not going to be misused.
Get references and recommendation about the debt consolidation company whose credit card debt consolidation program you are going to avail. God forbid, if you log on to a Web site making unrealistic claim and disclose your financial and confidential data you may be a victim of a fake and fraudulent debt consolidation company. One needs to be sure that multiple debts indicated be rid off overnight; It is going to be slow process extended over a prolonged duration. When you click on a particular site for debt consolidation services make sure that that company has got a local contact centre near your vicinity. This may add to the trustworthiness of the debt consolidation company. is one of the most trustworthy companies that offer too. When you log on to the site you are offered the first debt consolidation Zurich free of cost without any obligation. The representatives of this debt consolidation service providers negotiate with the lender or the creditor of the borrower and try to reduce the overall debt along with the possible nullification of the penalties associated with late payments. When you consolidate credit card debt through you can be assured of maximum reduction in the overall debt as well as the monthly payment and the rate of interest.