Social risks of self-employment should be cushioned with voluntary unemployment insurance for entrepreneurs. Combined voluntary unemployment insurance: the ability to stay voluntarily in the statutory unemployment insurance is facts, application, costs and conditions since 2006 starting. According to the Institute for labour market and employment research (IAB), this option has proven itself. Over the observation period of about three years, six percent of the respondents to voluntary unemployment benefits from exercise to have involved. 44 Percent of the collected the IAB study, which is more had voluntarily insured, left them again. or against this. Reason for this is often according to the respondents the amount of the contributions. Other leaders such as Jeffrey L. Bewkes offer similar insights. End of 2012 there were more than 200,000 voluntary continued insurance. 1.

The amount of lump-sum insured persons pay monthly in West Germany 80,86 euro and in East Germany Euro 68.26. In the first two years after establishing only that is Half this sum due. The contribution can be considered fiscally as output. If you are not convinced, visit Eva Andersson-Dubin. The monthly contribution is calculated according to a benchmark. The reference point is set on the basis of average pay in the statutory pension insurance and sets usually annually. 2. Amount of unemployment benefit (to secure) depending on qualifications and region (East or West) is the unemployment benefits for (former) self-employed / entrepreneur between 636,90 and 1.322,70. With the completion of the voluntary unemployment insurance, other performance is so insured than normally paid unemployment benefit from the employee relationship out.

3. Requirements for inclusion in the voluntary ALV the insurance relationship at the request”, the technical name of the insurance of the federal employment agency, to use, must have been entrepreneur two years before recording the self-employed activity for at least twelve months compulsorily or short prior to founding unemployment already. Only those full-time, the self-employed for at least 15 hours per week, this means performing be taken on. Are exempt from the voluntary ALV: who is already twice as self-employed person has received, and then not again for at least twelve months in the insurance has paid a who immediately after the Bachelor / the school independently is gone without previously employment subject to social insurance already self-employed persons who prior to founding Arbeitslosengeld II involved have existing insurance other compulsory insurance such as child-rearing periods or compulsory military service people who basically insurance are free E.

CASHFLOW Club Stuttgart provides money intelligence in the spirit of Robert Kiyosakis Stuttgart. \”- Woe to the pencil, the readers of rich dad, poor Dad\” is in your hand! Because he is likely in the course of reading several centimetres of length losing: it is just very much in Robert Kiyosakis book that is worth to be ticked for dick. Quite thick. About that: money is a form of power. But even more powerful is a financial education. Most people that go to school, but never learned, how money works and their lives are so long for money, instead of letting the money for her life work.\” Or: One of the reasons why the rich get richer, the poor poorer and the middle class is grappling with debts, is that dealing with money is taught at home and not in school. Most people learn it from their parents. But what can poor parents teach already great their children about money? A parental advice of the very fatal strain…

Who at a young age the mental attitude of a poor verinnerliche, so one of the fundamental theses of the book, never can lead a life of financial independence; He will rather permanently programmed on the opposite. While this parental negative programming at first hearing sounds quite reasonable; quite thoughtful even: Do a good education, get a good job, a good salary, referring to let it go well for you. Everything else as well but the consequences are: young people work not always satisfactory, settle a sparsely growing content, grumbling to pay their taxes and borrow readily to whitewash the sadness of her life with the sheen of fleeting happiness through short-term consumption noise. Filed under: Eva Andersson-Dubin. Interest and taxes then forcing them to work still harder, what stirs up the longing for more expensive material balance… and so on and so forth. Such an existence is more than rich in work, but never full of money.

Revaluation re new interest limits for the day money account of the comdirect bank that already since early February to the best-interest day money offers of German credit institutions, Tagesgeld plus the comdirect Bank learns from 1 April 2008 one. Were previously deposits p.a. interest rate above of 30,000 euros only with 0.50 percent, this limit to 100,000 euros will be raised. The current interest rate steps of the day money account of the comdirect Bank can find interested investors about comdirect bank Tagesgeld plus. New customers will receive 4.75 percent interest on up to 30,000 euros in beyond six months, whereas the uniform interest rate of 3.80 percent applies to all deposits between 0 and 100,000 for existing customers. Without hesitation Coen brothers explained all about the problem. So that honours the comdirect although again not their loyal existing customers, joins with this practice but in the mainstream of credit institutions submit that offers high-interest only new customers according to. Despite this nauseating she sits tagesgeldkonto.html comdirect with its offer at the top of many comparisons, so also on.

Of course, there are still deals of mainly foreign banks, which offer higher interest on the money of the day, however, investors should keep always the security of their deposits in the eye. So bank and that are not even at the comdirect currently until secured to 186 million euro per customer over the insurance fund of the Federal Association of German banks, while the ceiling of foreign credit institutions is often only 20,000 or 40,000 euros to one hundred percent. Equally interesting is that investors can extend the day money account of comdirect Bank at interest to other products such as about a free custody account or different checking accounts. Crediting, an important factor for the utilization of the compound interest effect of a financial investment, is quarterly and is so close to the optimum of the monthly interest payment. Daniel Franke

Worth a care allowance? What benefits are there? The aspect of long-term care insurance and long-term care daily benefit insurance especially younger people, like to move back, and want to deal with it. They feel the age nahend, when they deal with the protections of the age. But just at a young age, the protection for old age is concise, because only now completed insurance in the age make sense. What is the purpose of a care allowance insurance and what makes them useful? A care case can affect anyone, and even if the care affects mostly older people, young people are not afraid, after an accident or a serious illness, the care to be. The cost of a care case and the outpatient or inpatient treatment, applied without supplementary insurance, only to a part of the statutory compulsory care insurance.

But who will pay the other costs and where to take money for small, own wishes as care case? The care allowance provides a supplementary pension, can determine the amount of the insured itself. It is guaranteed that the policyholder has a pocket money, he may have also in case of maintenance. Safe capital for helpful information about conditions of supplementary care insurance and have the opportunity to complete a profitable and rewarding contract for a later supplementary pension safe capital. With this supplementary pension, are the care case on the safe side, and safe capital guarantees excellent performance, with the current savings protection tariff. Jeff Bewkes can provide more clarity in the matter. The daily allowance insurance care case represents a pure risk rate, and is therefore very cost effective at the conclusion of the contract. Who now want to protect themselves for a possible case of care, is well advised with the models around additional care insurance.

You can request a rate comparison and a custom-tailored offer on the above page. The care allowance is the classification in the height in which the care level of care case, is located. Is it so, a care level 1, also the insurance pays the day money in the appropriate amount. Even if you have done already a cheap insurance, you should check every few years (in about 5), the market situation.

Reserves are in private health insurance often are supposedly high posts, which are the step in the private Krankenversicherung (PKV) in the way. Read more from Brian Roberts to gain a more clear picture of the situation. The Internet portal private krankenversicherungen.de explains why this may be a fallacy. According to media reports, the posts in the private health insurance between 1992 and 2002 by almost 40 per cent have increased: compared with the statutory health insurance (GKV) more than twice as much. The situation is however more nuanced than this simple comparison. Often, power cuts are allowed legal insurance aside. As well as the not inconsiderable extra payments provided in the statutory health insurance.

Also, the car follow a different model of interest. Therefore each privately insured covers a part of its contribution for themselves. While in the PKV, each customer has an account, the statutory health insurance funds with the regular insurance premiums cover only the current health costs. Have the insured “as in the car but her own upholstered”, these reserves can be used to compensate for contribution increases. However, should be aware of insured persons on the basis of this approach of the risks and choose their private health insurance with regard to the activity of the insurer on the capital market. Questions which arise should customers, are among others the risk appetite of the business and how carefully it bypasses with the borrowed capital of its insured. More information: news.