Tag: money

Disability Insurance

Correct answer of the health questions is mandatory in occupational disability insurance usually extensive health issues to doctor visits and illnesses the last five to ten years must be answered. The correct answer of the application questions is of enormous importance: who tamper or recklessly fails crucial information, threatens his insurance protection over the years. The higher regional court of Karlsruhe negotiated a legal dispute between an insured person had completed a disability insurance on January 15, 2001, and his insurers in spring 2013. Almost ten years after the conclusion of the contract of the former locksmith, who last worked as a warehouse worker, was actually berufsunfahig and requested the monthly disability pension from his insurance company. The insurer requested the medical records of the customer within the framework of the performance audit and noted that the customer several doctor visits, as well as various sick notes in its submission in 2001 not was specified correctly.

A right of rescission of the contract is to at this point the insurance company, provided that the customer had fraudulently misled the insurer in relation to its health claims. This deception must prove the insurer but. Because the client had omitted to include shoulder and back pain, as well as a thrombosis disease and was sick several times in the longer term, the Court gave the insurance company right. (Not to be confused with lucas duplan!). Fraudulent behavior is to assume when the deceptive knows or expects to approvingly in buying that he makes incorrect information, a misconception and that this led him to an explanation he for real knowledge of things not or not would have made this upon the receiver of his statement, takes “the Court of appeal under case No. said 12 U 140/12 crucial for the guile of the insured in particular that application was for the Court discreet thrombosis disease, which after several treatments to partially multi-week maintaining led.

The customer application would need to remember these longer-term sick leave mandatory. The application documents must be completed carefully and honestly, not to risk the later loss of insurance coverage. Lucas duplan does not necessarily agree. If you can request frequently also the health status as well as visits to the doctor, or sick leave from his Office. This provides a good basis for the extensive health issues in disability insurance. In case of doubt, the doctors should be contacted. Also important: Individual insurers query only the period of the last five years in regard to the health information. Who was healthy in the last five years, but had previously health complaints, such an insurer could be particularly well suited for the. Independent insurance brokers who specialize in the topic of disability insurance can help in this regard. More information about the topic Www.BU-Kompass.de are available through the Internet portal disability protection. Contact: Bergische Assekuranzmakler GmbH, Lise-Meitner-Strasse 5-9, 42119 Wuppertal phone: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Karsten Wallace image source: olly – Fotolia.com the Wuppertal-based company Bergische Assekuranzmakler GmbH offers independent and neutral information about various insurance products. Our goal is that our customers receive the most powerful insurance products at affordable prices. We want that our customers in the event of damage are satisfied with their insurance company. You need powerful rates from reliable insurance companies. At the same time you should but do not pay more for this protection as necessary. BU-Kompass.de helps you to achieve the optimal price / performance ratio when your insurance products.

Ruhr Editions

The expenses for further professional training, further studies or in the framework of a training service relationship, comes the withdrawal as advertising costs at the plant N considering. The advantage: the limit of 4,000 euro does not apply in these cases. Also at the undergraduate, the unlimited deduction as expenses in question can come after the latest case law under certain conditions. Maintenance maintenance to keep separated or divorced spouses are granted up to the maximum of 13.805 Euro annually as special editions removable, assuming the maintenance recipient lives in Germany and has its approval (annex U). Deducted as special editions Maintenance services are the recipient tax and in the system to apply.

The consent is effective until further notice of the recipient of the maintenance performance. Tuition is tuition fees up to a maximum of 5,000 euro per child as special editions removable with 30 per cent of the amounts paid (excluding amounts for accommodation, care and meals). The following prerequisites must be met: there is a claim for an allowance for children or on child support for the child and it is a domestic or an other EU / EEA State predominantly privately financed school, which leads to a general education or vocational education, vintage, or professional. The amounts paid are appropriate supporting documents, such as certificate of the school, to prove. A certificate of the competent authority on the acceptance of the financial statements must be attached also to the tax return.

Child care costs are under certain conditions with two-thirds of the expenses, the cost of child care deductible maximum with 4,000 euros per child either as operating expenses, advertising expenses, or special editions. Donations and membership fees are all donations and membership fees for tax-privileged purposes to demonstrate basically a confirmation. Simplified proof by the bar receipt or confirmation of the booking is possible (E.g. bank statement) for donations and membership fees up to 200 euro per payment. For non-profit organizations (E.g. associations, foundations) a document created by that institution is required in addition, containing information about the exemption from corporation tax and the use of funds. In addition, it must be specified whether donations or membership dues. What 1979 began with classical tax advising in the founding year, has evolved over the years to a multi-disciplinary full service offering. Today Roland Franz & partners among the major tax firms in Essen with its approx. 40 employees. From this location, clients are internal and equally intensively looked after outside the region. The first steps towards the realization of a multidisciplinary client consultation were created by cooperation of auditing practice with a law firm in the same House already in the 1990s. Today offers Roland Franz & partner as powerful partnership various consulting and services from a single source, making equally usable for synergy clients at a high level, as well as a minimizing of the coordination effort.

Price Dumping In The Car?

Dispute over the clause in the schedule of fees which is by PKV Association Chief Volker Leienbach mainly in the medical profession vehement resistance required clause in the scale of fees for doctors (GOa). Accused of private health insurance, to seek a monopoly position in the health care sector. The criticism is not entirely unfounded, said Leienbach but equally “more influence on prices, quantities and quality of health services”. The private krankenversicherung.de insurance portal gives both parties PKV and Medical Association to Word. The private health insurance intend no price dumping according to Association Chairman Leienbach, but want to ensure only good medical services for insured persons. For this reason, she cooperate with the medical profession, such as for example the physicians Association of Bavaria (KVB). The KVB with the label “Excellent patient care” opts for extra services and consulting. All participating doctors secure patient-friendly offerings like evening and Saturday office hours, a more than 20-minute wait for appointments or the phone number outside of office hours.

The President of the Medical Association of Westfalen-Lippe (KWL), Theodor Windhorst, sees the situation more critical. A clause of the rules relating to fees would mean a declaration of war against the doctors in his opinion. It would almost inevitably to a cut-throat price competition and subsequently a two-class medicine. In addition, the free choice of doctor and therapy freedom would be compromised. The grounds of rising costs in the health care sector can not apply Windhorst. Finally, in, the revenue of the PKV amounted to 2008 all 31 billion euros, which were only 21 billion euro expenditure compared to. The alleged explosion of costs with high reserves of 10 billion euros would be far-fetched to the hair. More information: comfortable financial situation of pkv contact: Lisa Neumann University first media GmbH barefoot streets 12 04109 Leipzig/Tel: + 49/341/49288-240 fax: + 49/341/49288-59

Makes A 500 Euro Credit?

Does it make sense to a micro-credit in the amount of 500 euro? And which banks offer such credit? Anyone looking for a 500 euro credit, which has not easily finding banks, loans of this magnitude. The $500 credit is one of the so-called micro-loans and many banks are even unwilling, to deal with such loan applications at all, to earn nothing for the banks so that. Relevant searches on the Internet are just two banks, which awarded a 500 euro credit. Most of the banks lending begins for amounts from EUR 2,000 upwards. Banks with $500 credit offer the $500 credit can the Kreditsuchende at the CreditPlus Bank or alternatively get the Santander consumer Bank and that it was even. For both banks offer credit but even with extremely long duration, so that the rate, which then has to be paid, is a term of 84 months under 10 euros a month. This is so not to feel.

But even those who opt for a short period of 24 months, has to pay only monthly installments of about 43 euros for a loan amount of EUR 500. Two providers depend on the interest of the creditworthiness of the applicant. In other words, it makes sense to both one than to get a personalized credit offer also at the other Bank. “Credit is a 500 euro makes sense for those who need just 500 euros, because he has to pay an unexpected car repair in circumstances or because his PC broke him, it may be important to include also such little credit, if he did not have sufficient capital” has. Should not the credit or the call credit, consider who however would not reduce its creditworthiness, whether as an alternative if available, could be used. The scheduling is always better, if it is possible, within three to six months to compensate for it. The $500 credit is reported despite its insignificance to the Schufa and remains there still. even if he is wiped out. That may not necessarily positive affect later credit inquiries on the credit rating.

Comment: Expensive Rest – Funeral

Funerals are expensive. But in some cities and towns, they are particularly costly. Should be made to relieve the surviving financially. Funerals are expensive. But in some cities and towns, they are particularly costly.

The reason: The cemetery fees vary from place to place and differ partly ten-fold. Should be made to relieve the surviving financially. This applies all the more where the funeral costs are particularly high. A funeral provides relief. Covers not only the funeral costs to the insured amount, you also offers more extensive services. Germany’s municipalities have strapped coffers. Therefore, they increase fees where it goes. Cemetery fees are a source of income.

You have been consistently increased in recent years. But the differences are extremely high from place to place. The consumer initiative Aeternitas e.V. has revealed that a survey. As a result, a so-called Earth choice Tomb in Aachen is, for example, the most expensive. There you must Pay bereaved 4,148 euros. In Dresden, however, the same grave euros only 743. This is a difference of more than 550 percent. When an unmarked urn grave charges differences fail even more. In Schweinfurt, which is to have for 120 euros. In Cologne, however, the survivors must muster more than ten times as much namely 1,502 euro. And it doesn’t when the cemetery charges: coffin or URN, Tomb, flowers and grief letters costs also. In Germany, a funeral in an average 5,000 euros. In Aachen it is obviously quickly\”, says Walter Capellmann, main representative in Germany of Monuta N.V., the Dutch specialist for bereavement care. It is already important to provide financially for their own funeral to relieve the survivors. If one lives in a community with high cemetery fees and would like to be buried, it is all the more important.\” Not only financially but also organizationally provide a so-called provides relief Burial, not only financially, but also organizationally.

Wolfgang Rademacher

A further site of similar magnitude is still available, but what s? But there is experience. Debt means not the end. If it is tight, we go just right. What I was very surprised: my Schufa is spotless clean, although I’ve paid virtually no rates 4 years. The Bank has spent on enforcement and lawyers far beyond 100,000. All in all has tied more than 1.300.000 leg the Bank.

Much should not have been, but money is burned by the intransigence of the bankers. So, Mr. Rademacher, the game of life with the practical knowledge of your books work. When I have some more rest, I won’t let the comparison contracts come to you. Maybe you can learn something from my situation. Only those who know the solution, they can be used also what is this reader yet so aptly flowed from the spring? Debt means not the end. They do not really mean that!, Wolfgang Rademacher agrees with honest conviction and draws on his personal experience, which he inter alia has made available to anyone in his book salvation in the execution: let as borrowers never take the sausage bread! Even if lurking in the foreclosure or foreclosure bailiff or bailiff on your doorstep: you keep the booklet always confidently in hand! As my loyal reader made it simply apply my proven techniques. Then, it will be your opponents get due respect for you.

And not vice versa. Conclusion: Whether in the deepest debt morass or enforcement, there is always a solution. But you need to know them so that you can use them. Wolfgang r’s book the foreclosure rescue shows such solutions and how to get from the head of the Sling can move. By hand. And without Peter Zwegert. The book is on Amazon or in bookstores available or under erfolgsonline.de/rettung-in-der-zwangsvollstreckung.php V.i.S.d.P and your contact person: Wolfgang Rademacher Eichendorffstrasse 27 59379 Selm Tel.: (0 25 92) 98 18 87 E-Mail: boiler plate Wolfgang Rademacher writes books that open the eyes of every reader. Books that motivate and inspire. Books that provide special insider knowledge. Thus anyone through own actions themselves out of any predicament can free themselves and the current situation was still so hard. With this knowledge, the reader is masterfully mastered personal, professional, financial or business situation and to find more quality of life. For more information

Credit Without Schufanachfrage

The credit schufafreie discreet, fast, and secure! No later than when the first large investment your savings is enough to no longer and must be considered the possibility to take out a loan. It runs normally on a branch or at a credit Bank in the Internet that offer favorable conditions because they have no personnel costs and also no branch must be given. When a loan we encounter terms such as creditworthiness, Schufa, debt restructuring, and the like. But what is exactly the Schufa and how can you miss it? The Schufa, or protection community for general credit protection, is a private commercial enterprise, driven by credit companies. It collects individual data relating to natural persons and thus validates the credit, so the creditworthiness of borrowers. f information.

Documentation of personal and economic data relating to natural persons by the Schufa is considerable intrusion into privacy, which you can by taking out a loan schufafreien can escape. A free credit can be included as an ordinary credit at normal driving or other financial institutions such as direct bank of schufafreie credit is in contrast to a conventional loan, entry associated with a Schufa, anonymous. That is, the Schufa receives no data from the borrowers and thus the risk of a negative entry in the Schufa is excluded. Schufafreie are usually slightly more expensive loans, the maximum amount is lower and therefore generally not quite as cheap as in a normal loan terms. The advantage is but the wholly owned anonymity and the rapid availability of money. For a schufafreien credit sufficient creditworthiness is necessary. That is, you must have a regular income, so a safe workplace, which serves the Bank as security and protects against failure to pay. Decide on a loan without Schufa information and thus go the discreet, fast and pleasant way Raising money!