Stephanie Lehmann

We pride ourselves on our certification and approval as one of the first private DIN certified financial planners in Germany at all.”said Stephanie Lehmann. According to DIN ISO 22222 has been created with the certification of a consumer-side reputable and accepted platform, from which we can signal finally interested parties that they are in the best hands with us. Our customers already know that Yes.” DIN CERTCO certification company of DIN Deutsches Institut fur Normung e.V. enjoy high reputation due to their independence, neutrality, competence and many years of experience in the country and abroad. The DIN CERTCO have the financial planning standards Board (FPSB short, Germany) Germany as a partner chosen for conducting the certification tests by private financial planners to DIN ISO 22222. The members of the Union in the FPSB Germany are certified financial planner.

This designation stood for the highest quality of advice in the German market. The CFP is an international trademark for the elite of the private financial planner, of which there are approximately 105,000 in the 20 leading economies. In Germany, the Federation was currently just over 1,000 members. Ulf Niklas explains: the introduction of the DIN certification time practically coincides with the introduction of MIFID 1 November 2007. “So the market is currently undergoing an extremely strong in favour of consumers. It is important that these positive changes would but also adequately perceived by the customers. Therefore, it is currently very busy. The Nebenberufler, who call themselves financial advisers so far and highly provisioned sell primarily in their own interest under this self-imposed title could, has more future finally no chance.

“Financial advisers and financial planners with the CFP qualification label and DIN certified financial planners ‘ take the new strict rules which are considered according to the EU directive MiFID in Germany as well, therefore welcome exclusion of unqualified advisers.” An exciting topic is in this context also required within the framework of the introduction of MiFID permission for the operation of financial services operations according to 32 KWG. Who do not own permit, must be under a so-called liability umbrella ‘ go on. Stephanie Lehmann explains: for us, this is no alternative – because the company which offers the MiFID, will of course certain expectations on the safe. But not paragraph-specific expectations may be our opinion. Otherwise a part of the upcoming changes in the interests of consumer protection will be wiped out again.” It remains still interesting at the end of the year.

Private Health Insurance

Sickness benefit or the loss of earnings is substantially dependent on the status in private health insurance. In the private health insurance, the calculation of the n works on status. The sickness benefit or the loss of income, is calculated differently for employees than for self-employed persons. Freelancers such as officials, have a special status. For the officials, it is very easy, because the employer pays remuneration unabridged further in case of illness. Only the aid cuts in the hospital by a hospital daily allowance should be considered according to the relevant State aid control by the Federal Government or the States. At the freelancers, the daily allowance can be calculated depending on the product donor on the basis of sales, here you should ask but more accurately, because not every private health insurance covered 100% of the sales.

The calculation of the n is then: sales / 365 days = maximum daily allowance per day. A PKV comparison here the fastest shows the differences. Self-employed with business registration must especially on this aspect of the calculation basis pay attention, because the standard formula for traders is: (profit tax) * 0.75 / 365 = maximum daily allowance per day. If you look out here more, recognizes that only 75% of the net insurable are. This is so dangerous, if no profit has been generated. The consequence for the loss of earnings in the event of sickness is 0,-euro performance.

A business interruption insurance is better than a sick allowance for self-employed persons. The difference is striking, because satellite win here the contribution as a calculation base used. The formula for an interruption: (fixed costs + profit) / 365 days = maximum daily allowance per day. As you can easily see, also an obligation arises when the payout is 0,-euro, also to put the tax not in print. For the employees, the salary is if not agreed separately, for 42 days, which corresponds to 6 weeks, provided by the employer, then the insurance company or the sickness benefit insurance of the car the sickness takes over. The formula for a Private health insurance is as follows: (net + pension package + post for PKV and long-term care insurance) / = 30 days maximum per diem per day. In the statutory health insurance, the statutory health insurance, the loss of earnings is after 6 weeks with 90% of the net or with 70% of the gross, the smaller value of the two is the post of number of, for more than 78 weeks. But be careful! The loss of earnings is based on the valid contribution assessment ceiling. People who earn above the BBG, get in the statutory health insurance is therefore a lower earnings than the actual net earnings. A supplementary insurance is an indispensable addition here. The duration of the sickness by the statutory health insurance or the PKV is not infinite, because final is after 78 weeks in the statutory health insurance, or at the latest after approx. 6 to 12 months for the car or after 2 years with the business interruption insurance. Both systems of insurance (GKV and PKV) aspire to the level, because if a man is his labour force for longer than 6 months loses, the assumption near the disability exists and changes to the service providers.

Supplementary Health Insurance

Health costs are rising not only for the legal funds also the private supplementary insurance must increase that rising health-care costs and therefore want according to investigations still a dental insurance many Germans strongly. But also the insurance companies have to contend with rising costs. After the Barmenia vigorously health insurance has increased in the last year, fare increases are safe also for the beginning of the year 2010 up to 30%. One of the best dental insurance companies on the German market, the CSS from the Switzerland also increases your rates from the 1.11.09 ca 10%. The tariffs of the Arag remain yet until (now already 5 years), but then becomes stable to 1.4.2010 health insurance probably also give it to fare increases. More rates will follow. The CSS had previously been an application with very few health issues, it seems that she are here has bought some of the risks.

From 1.11.09 has widened the health questions part a lot, were not an issue earlier bridges and crowns, must the customer well informed place accountable, if he wants to have the extensive protection of a dental insurance from the CSS. This must be taken into account, that the Barmenia and the CSS have no bounds for sums after waiting 8 months, if so after a year of dental implant treatments takes place (which was previously still not recommended!), the cost of insurance can go into the thousands. It doesn’t help either, yet quickly this year to complete the insurance the increase meets existing contracts but it is a year older next year, which the insurance is also more expensive. A comparison of services and prices is worth once and for all!