Freelancers do not take seriously the risk of liability for insufficient liability risks or is often not aware even any insurance companies the IT industry despite the high level of autonomy. Ken Cron may also support this cause. This just a mistake caused when complex IT projects can often substantial claims for damages resulted into the six – or even seven-figure range. The IT liability is specifically designed for the needs of the profession of self-employed workers in the IT industry and medium-sized enterprises and provides optimum protection with coverage levels that are actually larger companies. But what claims are at all relevant to an IT Freelancer? Lutz-Hendrik Groot Bramel by the gb.online gmbh explains here the difference and what you should pay attention: persons and damage to property: as in the private sector of freelance IT-ler in his professional activity a person or even a damage cause. Damages: the financial losses are an important role alongside the people and damage to property.
As Damages referred to situations where although neither a person nor a thing take immediate damage, but by culpable behaviour (in this case the Freelancer) another a financial damage to. A distinction is made between “real” damage to property and injury or person damages as fake damages. Financial losses incurred by persons or damage to property, are called real damages. The fake insurance is the damages in a personal injury or property damage. For example, data loss damaged by water damage a hard drive (damage) or the necessary data recovery is a cause damages or a fake insurance.
There is therefore a pure asset insurance of one of the most important insurance components of IT and insurance. The asset liability is included in IT civil liability. This solution tailored specifically to the IT industry includes a Asset liability insurance (E & O) including the equity loss component (futile expenses of the policyholder if you withdraw from a project on the part of the customer), as well as a business liability insurance which covers the persons and property damage risk. More information: gb.online gmbh the gb.online gmbh is the sister company of the groot bramel Versicherungsmakler gmbh. The gb.online gmbh is a leading real for the IT – and telecommunications industry. Defined together with partners and customers, developed and realized the gb.online gmbh branch-specific solutions precisely to customer needs tuned. The goal of the gb.online gmbh is to check the insurance protection of all involved parties on gaps in coverage, consistently to close them and on reasonable terms. The IT liability insurance combines many years of experience of the world’s leading insurance companies, and one of the leading insurance brokers in the IT industry, the gb.online GmbH. The gb.online gmbh is with continuous advice and IT expertise as a partner to the side. And for the principal, entrepreneurs receive proof of your IT liability insurance as a safe decision basis. The gb.online gmbh is close to the customer, it is companies and IT freelancers at all times aside, even in the event of damage she has good contacts to well-known experts, as well as to lawyers. So the renowned law firm DLA available E.g. in the event of damage Piper without any extra cost.
New Gesetzntwurf to the prevention of money laundering the Federal Government the Federal Council has sent its Bill to improve the prevention of money laundering. The Federal Council can comment on the draft until July 8. In addition to the reduction of the cash deposit limit of 15,000 on 1000 euro and the introduction of a money laundering officer for all companies who have more than nine employees, this contains an additional commitment to the E-money. The identity of the payment must be checked in the future for the exchange of euro in E-money. This regulation stifles the possibility to deposit funds via prepaid cards like paysafecard anonymously. The introduction of the prevention of money laundering is scheduled for beginning of 2012. Accountants, lawyers and notaries must then promptly report suspicious financial transactions. It would therefore no longer possible to buy electronically and anonymously on the Internet.
The greatest danger of money laundering is in the anonymous account management. In Germany, now around 15 million accounts are online led. Anonymous payment, criminals without problems have the opportunity to incorporate their revenues into the legal circulation of money. “E-money” payment systems are the paysafecard, which like the digital goods can be purchased. It balances at a point of sale be purchased can be paid to those in the Internet unless dealer Paysafe as a payment method is accepted. In the future, point of sale and dealer must take the identification of the customer and hold for a possible test.
Unlike the cash deposit accounts third parties, which are subject to a report from 1000 euros (previously 15,000), is it at the E-money no minimum limit. If it stays here, could be paid so no more anonymous on the Internet. Paysafecard is the first bank legally authorized online payment in Europe. The card is issued by the PrePaid services company limited and managed. The company is headquartered in Vienna and is represented in many European countries by real outlets. Several thousand online shops in Europe accepts paysafecard as a payment system. However would be considerable doubt about whether the design is mature.
Construction projects just State-sponsored a residential Riester realize works basically taken as well as the traditional Riester pension: to deposit a certain amount on a Riester savings account each month. The State with an allowance encourages this self initiated savings project of the citizens. So that you get the full promotion of the living Riester’s, you have to pay a down monthly savings payments every year (at least) 4% of its previous year’s gross income on that. However, the maximum support eligible savings contribution is 2.100,-monthly. To deposit not the 4% of the last gross annual salary, one gets only a prorated grant. The basic allowance, you get shot too with an own savings rate of 4% of the State is 154,-per year. Viktor Mayer-Schönberger takes a slightly different approach. In addition, a child allowance will be added for children who were born before 2008, from 185,-; for children who have died after 2008 in the world, even 300,-.
How can you convert the Riester pension in a residential Riester? For several years the possibility to convert the Riester pension for a residential Riester now. However, several conditions linked to this option. The most important prerequisite for the residential Riester: The real estate must serve the retirement. Because a home construction or purchase state quite as a form of private pension schemes recognised. A home construction or acquisition works in most cases however, only by means of a bank loan.
And here the living Riester helps now. There are three different variants: 1st option one: the residential Riester can be used to reduce the loan (usually an annuity loans) through a monthly repayment amount. Government support is here completely converted to payments. Click CBC, Australia for additional related pages. “The only requirement of this variant of the residential Riester’s: the loan agreement with the Bank must Riester-capable” and be certified. 2. option two: extract of a part of already funded savings contributions this, there is no limit to the Deleveraging of real estate. This way the use of the Residential Riester was suggested even by the Federal Ministry of finance. 3. option three: the saving of building Association savings agreements. But here too a certification must be. The savings may be used only to finance a real estate. This variant of residential Riester promoting now pouring State funds as a deposit on a housing savings account. There are restrictions on the residential Riester? A conversion of the Riester pension in a residential Riester is only possible if the targeted real estate for own use determines and is also intended to be a primary residence. A rental of property is more than a temporary (!) not permitted, Rental is approved. It violates this condition, which is connected to the residential Riester, one commits a breach of contract and is obliged to pay back the entire sum of ever provided State funding. Also it is inadmissible, the money for renovations, refurbishments or other beauty corrections”to use. How does the taxation of the residential Riester’s work? The total contributions – including State funding from the IRS on a fictional Wohnforderkonto “applied. Now a single taxation can be selected (here, only 70% of the sum are taxed), or one decides for a yearly tax. Here, the notional pension is taxed, which is real however, already charged with the real estate.
Very good test result for the AachenMunchener Stiftung Warentest tested all occupational disability insurance policies not only on the price, but also on their achievements for the year 2012. With a disability insurer was under a variety of good and very good tariffs especially. The AachenMunchener disability insurance was able to convince not only with good prices, but also the result of the condition and the variety of rates for the various target groups, took off from the services of their competitors. Special attention has been paid this time especially on the possibility of protection for young people and new entrants. It was important that professionals, trainees, and students who have completed the fortieth year of life will be rewarded with a special rate which gives you several advantages.
Why is so important for a disability insurance disability insurance is valid together with the liability insurance for the most important protections that should complete each, to not to lose its liquidity through unforeseeable incidents. Every fourth German is now berufsunfahig before entering the pension, but only every eighth has a sufficient safeguard. Have insurers like the AachenMunchener long focus and develop better and more powerful rates for years to secure excellent protection for a relatively minor contribution to their customers and prospects. Unfortunately, many believe that Government backing in the form of a disability pension is quite adequate and always does, once the own profession on the basis of permanent health restrictions is no longer reasonable. Get more background information with materials from PCRM. The disability pension is but only the one who can no longer work.
Because what you originally learned or it has gone after what professional last it doesn’t matter. Only when no activity would be impossible, the State is willing to pay. Here, it is important to know that there are different criteria that must be met. Who more than six hours a Activity could go after any performance gains. This legislation is very well aware of the AachenMunchener and therefore in their disability insurance the abstract reference ability do not, which means that the insurance company pays, once exercised profession is no longer feasible. By separate agreement, even a 50 of percent restriction disability protection is possible. Who less than six hours can do in the form of work gets claim to benefit from the State only, a half of the disability pension.This equates to approximately 15% of the gross. Only if you can work no 3 hours per day, it is entitled to receive the full disability pension. This corresponds to 30% of the gross. As either 30% or 15% are sufficient for his life normally continue to deny conclusion, it is obvious that a hedge against disability is useful.
Many German citizens have ever recorded a credit. Young people use to pay a loan often to a condo. A loan for a car purchase is included in some cases. Hear other arguments on the topic with Boy Scouts of America. The “credit for free use” represents a special form of credit. Because if you get such a loan, leaving himself; a what the money is used.
Only a few people really have idea of the numerous forms of loans. (Not to be confused with Dr. Neal Barnard!). Due to this fact, the relevant information on the World Wide Web will be provided. If you use the Internet as a source of information, one must deal with the various expressions. In the texts (which are engaged in the credits), you read something about a loan without Schufa frequently. Apart from this, one finds many texts concerning pre-financing credit.
Because not every interested person acquainted with the various technical terms, the most important technical terms are explained now. Many people have in recent years for a Available credit is decided. This special credit is a so-called cash advance. Many experts advise but rather to the inclusion of a purchase credit. Here the loan over a simple bank transfer are paid on each account. However, if you want to build a House, the construction financing loan represents the most attractive form of credit. Usually paid this credit depending on the construction progress. The paper credit of value of represents a special form of credit, by the way. A security in the form of securities is required in establishing a value paper credit. Or are you interested more for a pre-financing loan perhaps?. One can get this credit only if you will get a larger financial sum in the near future. Of course it must be the upcoming payment. You will read something on credit without Schufa also frequently on the Internet. But what is a form of credit. It falls in the granting of this credit Credit check away. Of course, the application is strictly confidential by such a credit. If you opted for the inclusion of a credit without Schufa, you should use the Internet as an information source. On some websites, frequently asked questions (about the credit without Schufa) are listed and answered. Lena Marie
In March 2011 assessed the Stiftung Warentest thus for example, for the private health insurance rates are offered for a small contribution. These tariffs promise fully comprehensive insurance cover for little money. The testers of the Stiftung Warentest for the PKV 2011 are gone this promise on the ground and have reviewed both the price and the services of the tariffs. “Here showed that many so called cheap fares” are more likely to recommend less and it definitely pays off to accept a slightly higher contribution to avoid such high excesses in the event of illness. Stiftung Warentest takes private supplementary health insurance in the comparison of the Foundation were test 2011 because the private supplementary health insurance in the sector of car, also their offers under the microscope. These offers are usually legally insured in Claim taken, that the benefits of the statutory health insurance want to restock.
Because countless offers on the market can be used in this area and the variety for insurance layman is difficult to overlook, checks the Stiftung Warentest for the PKV 2011 also the supplementary health insurance and shows which rates are actually worthwhile. Many tests for the supplementary health insurance were carried out while not 2011, but already in 2010, are still valid. In October, for example, the Stiftung Warentest for the PKV tested outpatient add-on packages that promise the insurance benefits for Visual AIDS, dentures, as well as benefits for the practitioner. In May 2010, the dental insurance were subject to the test of Stiftung Warentest.