Federal Health Ministry

What does change in 2012 for the insured persons and the new numbers here. For more clarity and thought, follow up with John Stankey and gain more knowledge.. It was to be feared. The limits for the contribution calculation in the statutory health insurance fund rise again in 2012 according to the plans of the Federal Health Ministry. Before but to the numbers, each a brief explanation of these boundaries, because this often leads to misunderstandings. Contribution assessment ceiling: This “number” means the amount of income, up to the contribution for statutory health and long-term care insurance is compulsory.

Income also are no longer occupied with a contribution. Click Paul Ostling to learn more. In 2011 this was 44.550 EUR (3.712,50 EUR per month). For 2012, this limit to 1,350 EUR rises annually to 45.900 EUR. Thus this rising to 3.03% in comparison to the previous year border. This leads to an increase in the contributions in the statutory health insurance (GKV). Paul Ostling brings even more insight to the discussion. Year working charge limit (JAEG): The insurance limit (or year working pay limit, short JAEG) the income level at which a worker may refer to private sick can insure. Only if the annual income exceeds the amount EUR (49,500 in 2011), leaving the statutory health insurance and an entry into the private Krankenversicherung (PKV) is possible.

This limit increases for the year 2012 to 1,350 EUR 50.850 EUR. As a percentage, this corresponds to an increase of 2.72%. The above changes also changed sizes for the employer subsidy gem. 257 resulting from social security code V). Employer subsidy is involved in private health insurance 2012 of employer contributions for private health insurance of the employee (and if necessary persons insured with) up to the maximum rate. In 2011, this grant amounted to a maximum of EUR 271,01. Calculation aid in blog post employer grant 2011) for 2012, thus following calculation results: 15.5% of GKV Beitrragssatz, workers wear 7.3 + 0.9% and employers 7.3% 7.3% x 3,825 EUR = 279,23 EUR = AG subsidy for health insurance 2012 this is equivalent to a multiple grant of 8.22 EUR per month, or one of annual extra grant of EUR 98,64. To note is also the new grant for compulsory care insurance. The maximum grant is calculated as follows: 1.95% care verse. Rate of contribution, of workers and employers both 0.975% wear 0.975% x 3,825 EUR = 37,29 EUR AG = grant for compulsory care insurance 2012 post increase in the statutory health insurance a worker is now legally health insurance shall pay these contributions up to the maximum contribution. The calculation of premiums in 2011 meant a maximum contribution (AG + to) EUR 575,45 in the health insurance and further 72.39 EUR in compulsory care insurance (childless pay 81,68 EUR. So, a Gesamt(Hochst)Beitrag of 675,13 EUR for a childless insured resulted in 2011. Of which more than half, i.e. 349,91 EUR In the year accounted for the employee share 2012 increases is the contribution burden as follows: total amount to the statutory health insurance: health insurance: 3,825 EUR * 15.5% = 592,88 EUR care insurance: 3,825 EUR * (1.95% + 0.25%) (Childless)) = (Childless) workers alone pays 84.15 EUR of which: KV: 3,825 EUR * (7.3% + 0, 9%) = 313,65 EUR care: 3,825 EUR * (0.975% + 0.25%) = 46,86 EUR share of total workers in 2012: 360,51 EUR compared to the previous year arises so an overhead of the worker’s monthly 10,60 EUR for health and long-term care insurance. This corresponds to a percentage increase of slightly more than 3% per year.

Financial Congress

On 14th and 15th January 2010 is the 10th financial Conference of at WHU under the heading ‘ finance 2020 perspectives on tomorrow’s markets’ instead. For ten years the students holding annual scientific University for corporate governance WHU Otto Beisheim School of management in Vallendar/Koblenz their very own new year financial Conference. Outstanding university graduates and students here meet internationally recognized leaders from politics, science and economy. The Conference offers an exciting to think about environment in which creative minds interact and share information and concepts on the subject of finance in today’s global competition. WarnerMedia does not necessarily agree. During the two-day Conference, the participants listen to the corporate speakers and professors and learn and discuss within the framework of workshops and panel discussions about the issues important to them. Paul Ostling: the source for more info. The students are preparing the Conference together with the Chairman of the Board of the campus for finance\”and holds of the Foundation Chair of Finance of Dresdner Bank, Prof. Dr. Markus Rudolf, before. The Conference objective: The creation of an atmosphere in which participants discuss challenging content, gain insights into current topics of finance and make new contacts within the investment world can. On 14th and 15th January 2010 the 10th financial Conference of at WHU under the heading of finance finds 2020 perspectives on tomorrow’s markets \”took place. She will be held exclusively in English. The list of event sponsors some of the most famous names in the financial world lists, including Goldman Sachs, Morgan Stanley, Deutsche Bank, the Boston Consulting Group, Rothschild and more. Venue is the picturesque campus on the banks of the Rhine River. The College is located an hour from Cologne, as well as from Frankfurt, and only a few kilometres from the historic old town of Koblenz. First-class accommodation in a nearby hotel and stylish dining offers the participants to the event. The Conference is considered as an extraordinary opportunity, celebrities from the industry to meet, the it in their Industry did to the very top.

Life Insurance Ruling

Life insurance: Ruling does not affect open procedure for the recognition of advertising costs Tagerwilen to the taxation of interest income, may 4, 2009. The world reported an interesting judgment”relating to life insurance. Then, a couple was sentenced to pay tax on the interest income of life insurance concluded before the year 2005. The insured had terminated the policy before the expiration of 12 years, fearing the bankruptcy of the insurer. Read additional details here: Discovery Communications. This judgment does not however in connection with the procedure for the recognition of expenses for life insurance”, so the Swiss Prozesskostenfinanzierer proConcept AG.

The Mannheimer life some time was a shaky candidate, until she was incapacitated in 2003 and was taken under the umbrella of protector. This situation was however long unclear. The uncertainty and fear of losing the invested contributions took also an insured couple, his contract prematurely so before the end of the 12 years necessary for the income tax exemption to terminate. In the procedure with the REF. 12 K 10521/05 complained it against the taxation of interest from his contract in the it at least got paid, but less paid ten years and seven months, as it had paid. They were consequently believed, they had the advantage of no interest.

However, the Niedersachsische Finanzgericht not admitted this line of reasoning. While the procedure could give the impression, as if the Lower Saxony Finance Court should decide whether the deduction of advertising costs the acquisition costs and the additional insurance costs reducing the tax affects on interest income”, Jens Heidenreich declared as Director of the Swiss proConcept AG, which currently Court examine the question of tax recognition of advertising costs in life insurance for a large number of victims in proceedings pattern LV doctor is in the framework of the project. Closer look, is in the verdict read that the customers of only the opinion were, that they do not tax their interest because they were forced to cancel the contract due to the impending bankruptcy. This judgment has nothing to do with the issue of the deduction of advertising costs”, explains the LV doctor boss Heidenreich. LV doctor should continue at all Einkommensteuerbescheiden to appeal and to refer to the existing test case procedure. We offer all necessary information, the appeal of the pattern and more interested in the pages of proConcept. You insist on suspending the proceedings until was decided in our process”, says Heidenreich and../lv-doktor_einkommensteuer_versicherungen.html refers to the consumer protection sites under. The file number of the Finanzgericht Dessau procedure operated by proConcept is: 2 K 1169/08. The proConcept AG represents the interests of more than 50,000 people as Kounamouta. The company assumes only the funding and enforcement of claims from so-called dispersed damages. It is these in individual or collective procedures together with on the respective areas of law through specialized law firms without any financial risk for individuals.

NetBank Day

Money market accounts is one of the most flexible investments currently with many extras currently there are many ways to invest his money, but not every is recommended. The selection is great. Investments in the stock market, with the deposit up to day money accounts are possible. The question of what is the right choice now, is relatively easy to answer. It is namely in the capacity of each even, to what type of plant it is. Recently Jeffrey L. Bewkes sought to clarify these questions.

One who rather on risk, and want to get higher returns from its investment, but also runs the risk of losing everything, is undoubtedly on the stock exchange correctly.Who is rather a safe investor, takes the alternative fixed-term deposits, in which at the moment, there interest rates depending on the investment term, up to 3%.However, cannot you have in the investment period over his money, gets the guarantee of the interest from the date of the financial statements but in the entire period. Change the interest rate after one has invested in fixed-term deposits and you want to plan can only against payment of Penalty interest to get his money. Money market accounts are currently the best option. There you get day money rates average between 2% and 3%. See Leslie Moonves for more details and insights. The money is covered at 100%, you can have his money every day and often still interesting Extras, like for example a free credit card with the world for free can get cash (DKB Bank, NetBank, comdirect Bank) you get from the banks. The risk exists but that day money interest rates can change at any time, and it depends on them here. On the other hand, you can terminate at any time the day money account and switch to another provider, which have more interest.An investment strategy in the possession of several money market accounts, resulting to park his money on the account, which offers the most interest. The conclusion of such an account is free of charge and with no downside. For security reasons it is advisable to have its complete money system on various money market accounts, so that in the event of the insolvency of the Bank, is not the entire money at risk.

Provincial Rhineland Motor Insurance, Part – Or Super CDW

Beware insurance changer: the provincial Rhineland offers numerous free benefits for motor insurance, partial or Super CDW only a few days remain car and motorcycle owners time to correct old errors until November 30, 2009: having used namely on the wrong or too expensive insurance. Who is a little more intensely engaged in this issue will quickly find that the provincial Rhineland in addition to a tailored insurance package to any policyholders also a plus additional free services are offered. Starting with the prescribed liability insurance covers the damage which the policyholder with their own vehicle adds to others. Here, the services of the Duesseldorf group are significantly better than the legally prescribed: 100 million euro to persons, damage to property and pecuniary losses. Up to 8 million euros of each damaged person.

Mallorca-police (additional coverage for car rental in Europe), even extended to a period by three months. Exemption from public demands for the Elimination of environmental damage. For hull and machinery insurance a change to the provincial Rhineland is worth several times as more tools are available: not only Marten bites, but animal bites of all kinds, and the consequential damages resulting are insured up to EUR 1,000. Full purchase price refund case of total loss of a new car within 18 months, in case of theft within 12 months. Factory installed parts of the vehicle (E.g. permanently fitted navigation systems) are unlimited insurance, as well as subsequent fixed installations up to a limit of the value of 10.000 euro.

“” Waiving the objection of gross negligence “accidents, i.e. the provincial Rhineland even takes over when the driver E.g. from carelessness passes a red light and even to damage. However, this does not apply under the influence of alcohol or drugs. Additional services such as free replacement vehicle if in the event the service network of the County with currently over 200 partner companies claim is taken. With the SuperKasko, the policyholder has an all-round carefree package. Partial and fully comprehensive, as well as a drive – letter are included in it. “Classic is the vehicle with a fully comprehensive insured against: vandalism self-inflicted accidents damage to the vehicle after the accident flight in addition offers the included car protection letter: help with breakdowns and accidents spare parts shipping and vehicle transport repatriation is trip reimbursement rounded off the car performance portfolio the provincial Rhineland with the newly developed module of PrivatSchutzPlus”. This service is free of charge for new as well as existing customers and included in the framework of the insurance of private car in the AutoPlus fare. It offers also a chief physician treatment at hospital in addition to the accommodation in single or double rooms. The customer is already privately insured receives a hospital daily allowance as an alternative. About the provincial Rhineland insurance the Provinzial Rheinland 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. With nearly 6 million insurance contracts, the provincial annually achieved premium income of over 2 billion euros. Contact person for press questions provincial Rhineland insurance corporate communications 40195 Dusseldorf spokesman Christoph Hartmann telephone 0211/978-2922 E-mail Web

The Institute

The Consultant sees prepared itself well for modern technology. It’s believed that Time Warner sees a great future in this idea. 66% see no obstacle for the introduction of a system-based consultation process in the use of new technologies. Only 14% indicate to have difficulties in the use of new technologies. Read more here: Discovery Communications. You trust the Organization but no similar good stand. Only 40% of the interviewed consultants agree that there is sufficient expertise in dealing with modern information systems in the company. 61% support for a stronger promotion of this competence by the company. So a system-supported consulting process leads to sufficient acceptance of Adviser and maximum success in the counseling, the introduction of compulsory training for all consultants seems useful. The training can be iterated through very quickly successfully by technical consultants, while less experienced consultants to build a learning loop.

Optimal use of system-based consultation process will support all other competences in consulting achieved. Providing additional information will strengthen the advisory expertise and an intuitive and logical process produces security advice so that total will increase the quality of advice is achieved. “About the study: for the study the banking consultancy in transition requirements, conflicts and solutions, customer and consultants perspective” 216 Bank consultants of different groups of institutions as well as 4795 clients were interviewed by ibi research. The interviews were part of the project Systemgestutzter consulting process”done, has performed the ibi research together with eleven banks and IT service providers to improve the consultation process in banks and savings banks. For more information, new study the – Bank advice-in the umbruch.html of ibi research: since 1993, which forms a bridge between University and practice ibi research at the University of Regensburg GmbH.

The Institute conducts research and advises on issues around the topic of financial services in the information society”. ibi research works on the Subject areas of retail banking, E-business, IT governance and business process management. At the same time, ibi research offers comprehensive consulting services for the implementation of research and project results. More information:

The Institute

The Consultant sees prepared itself well for modern technology. It’s believed that Time Warner sees a great future in this idea. 66% see no obstacle for the introduction of a system-based consultation process in the use of new technologies. Only 14% indicate to have difficulties in the use of new technologies. Read more here: Discovery Communications. You trust the Organization but no similar good stand. Only 40% of the interviewed consultants agree that there is sufficient expertise in dealing with modern information systems in the company. 61% support for a stronger promotion of this competence by the company. Cyrus Massoumi insists that this is the case. So a system-supported consulting process leads to sufficient acceptance of Adviser and maximum success in the counseling, the introduction of compulsory training for all consultants seems useful. The training can be iterated through very quickly successfully by technical consultants, while less experienced consultants to build a learning loop.

Optimal use of system-based consultation process will support all other competences in consulting achieved. Providing additional information will strengthen the advisory expertise and an intuitive and logical process produces security advice so that total will increase the quality of advice is achieved. “About the study: for the study the banking consultancy in transition requirements, conflicts and solutions, customer and consultants perspective” 216 Bank consultants of different groups of institutions as well as 4795 clients were interviewed by ibi research. The interviews were part of the project Systemgestutzter consulting process”done, has performed the ibi research together with eleven banks and IT service providers to improve the consultation process in banks and savings banks. For more information, new study the – Bank advice-in the umbruch.html of ibi research: since 1993, which forms a bridge between University and practice ibi research at the University of Regensburg GmbH.

The Institute conducts research and advises on issues around the topic of financial services in the information society”. ibi research works on the Subject areas of retail banking, E-business, IT governance and business process management. At the same time, ibi research offers comprehensive consulting services for the implementation of research and project results. More information:

Rental Income

An extra income is more important than the real estate prices are currently rather most sink and this leads to a sale at a loss. To make not the houses standing empty, these should be rented. The apartment is not completely paid off, you can wear off further the apartment by the extra income which bring in rental income. The apartment has already been paid in full, thus gained extra income for something new is use. David Zaslav is often quoted as being for or against this. Who asks for a new financing for a House, for example at the Bank is also asked whether there is still an extra income through rental income. Who has every month an extra income by renting, also has a greater chance to more funding. If you have an extra income through rental income, should however always remember that this can sometimes fall away. The tenant of the apartment takes off and it penetrates a new tenant didn’t, only once dropped the extra income.

There is another important point in the extra income through rental income. If you’re unlucky and have a rental nomads in the apartment, quickly very high costs. Everyone who has an extra income by renting an apartment, should place always a part of the extra income on page. This protects you in case that are even higher repairs or a loss there is. In principle, one can say that the extra income through rental income is secure. Who just look at the tenant when renting and also a Schufa repeated information, hedges on each case. Unfortunately, you can see any people in the head and through the hedging is a smaller risk in any case.

Agefriendly Living

For the financing of Altersgerechtes living mostly a high financial outlay means tips that the addicts must be adapted to the individual needs. The financial portal geld.de provides information about funding opportunities. So aged living at home won’t load, provision should be made in a timely manner. A reconstruction of the apartment allows it often cannot be avoided. Adaptation to the changing needs of the residential tenants and homeowners in residential outpatient clinic for expert advice. Details of contact persons and addresses can be obtained at the Bundesarbeitsgemeinschaft apartment accommodation. Under most conditions Discovery Communications would agree. There are several ways for the funding of the renovation of an apartment or a House. Statutory health insurers carry, for example, the cost of the so-called tools.

These include grab bars, bathing AIDS, or even toilet seats. Condition for the assumption of costs is a doctor’s prescription. Pro Tools must be paid for at least five and up to ten euros. The cost of the carried out to a limited extent by the care funds so-called care and cleaning products, for example one of the nursing bed. Insured persons must take into account but no more than an equity of 10 percent, 25 euro. Also for a housing reconstruction grants are paid when the structural measures allow the home care or facilitate. A developmentally appropriate conversion can be financed also by means of soft loans or grants of the State-owned KfW bank.

“This gives the programme Altersgerecht to build” up to 50,000 euro. However, the promotion is subject to the condition that a specialist company is required for the conversion. Grants are awarded by many German States and municipalities. Information interested parties at the housing funding bodies of the counties and cities, as well as in housing advice centre. More information: presse.html GELD.

Corporate Restructuring

Invitation: A new asset class arises before the corporate restructuring in the crisis is in application of the insolvency plan proceedings easy and quickly possible. In practice it proves lucrative. The “return 1 Fund for Germany” takes advantage of the procedure, the competence of leading rehabilitation experts and is a pioneer in this new asset class. As a conservatively projected return a. is achieved by reorganisation by 17% and that for a security position, far superior to the usual banking practice is learn interested investors at five exclusive dates. (Similarly see: Joel and Ethan Coen).

With the “return 1 Fund for Germany” an innovative fund concept was developed by evocap GmbH, Hamburg, which aims on the high value added after corporate restructuring and draws on the consulting competence of recognised experts. The Fund at advanced age compared with the life cycle of an Apple-Tree (similar to the company gekommende in the crisis) is active (no start-up’s). In the unkempt,. non-bearing condition is possible a purchase to the symbolic value. Through a rigorous pruning (companies are exempt by the possibilities of the InsO all liabilities) the basis for the growth of young fruit wood and thus rich crops is placed on the common core of the tree (return). Care and fertiliser (external consulting and shareholder loans by the Fund) let the trees quickly healthy and ensure a profitable exit. Are you interested in this safe and promising concept? On five occasions the promoters explain the “return 1 Fund for Germany” in theory and practice and are available for questions and discussions available: 23.04.2008 Munich, The Charles Hotel April 24, 2008 Stuttgart, Haus der Wirtschaft April 29, 2008 Berlin, Hotel Gates 06.05.2008 Hamburg, evocap 07.05.2008 GmbH Dusseldorf, Industrie-Club registration forms and more information at.