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What protection do children need in the event of an accident or a disease? Almost all children are ill over the years or have even an accident. In most cases everything goes well and the children are completely healthy. But what happens if the child thereby suffers a permanent health damage or disability? You can never fully protect his children from accidents or diseases. Luhan has many thoughts on the issue. Parents can but at least provide for such cases, because the State protection for children is insufficient. The statutory accident insurance provides for the children only in kindergarten and at school, as well as on the roads there. Accidents are regularly in the leisure, however, completely without legal protection. “A secure way is a powerful children accident insurance”, explains Diplom-okonom Karsten of Wallace of the young insurance.de insurance portal. “A further safeguard is possible with a so-called children disability insurance.” About one Permanent damage can be secured to children disability insurance from accidents or diseases with a monthly life annuity by up to 2.000,-euros.

From 50% disability due to illness or accident, the agreed pension is paid for life. “This is a significant betterment to the pure accident insurance that does not pay in disease, but just in case of accidents – attacks the children disability insurance in both cases.” In addition to the financial protection children disability insurance also offers a support in questions of therapy, as well as with regard to rehabilitation courses, to allow a decent and largely self-determined life the child despite the disability. More important information, hedging opportunities and rates to the insurance coverage for families with children can be found on the Internet page children portal.html. Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 E-Mail: contact for the press: Bogdan Kalid image source: (c) Thomas p / fotolia.com the Bergische insurance brokers diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker founded company. With the Internet presence the company specifically to the needs of private individuals and professionals specialises in who would want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies. Bergische insurance broker has connections to more than 100 different insurance companies.

There are special rates available for various professional groups such as students, trainees, graduates, or certain traders. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since in 1998, working in the insurance industry are customers over the Internet, by telephone and by post served – when preparing offers, as well as in the event of a claim. The strength of the Bergische insurance brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.

New cheque value for the Sodexo restaurant pass rises to aggregating 5.93 euros Frankfurt, 5th November 2010. The Federal Council has today approved 876. meeting the “third Ordinance amending the social security fee regulation”. This adjusted the tax thing reference values for the year 2011 on the basis of the relevant consumer price developments. For free or discounted meals in the operating 2.83 euros are recognised from 2011 for lunch now (previously 2.80 euros). For companies without a canteen, a new Government-sponsored day set for staff meals of future total 5.93 euros results thus at a steady tax-free amount of 3,10 euro. Thus companies can send annually up to 1.304,60 Euro tax-free to employees. Increased tax allowances for free meals.

Also thing reference values for accommodation and rent raised the Federal Council followed in its resolutions a request of the Federal Government. The Federal Cabinet is oriented to the targeted adjustment of social security fee Regulation (SvEV) on the development of consumer prices. This had risen to 0.9 percent in the review period (June 2009-June 2010) in the field of catering. Therefore, the values for food were increased. Since the changes unfold directly impact on the income tax law, the regulation of the Federal Government in the Bundesrat was subject to a consent. The adopted new values are valid from 1 January 2011. Food checks the State promoting potential legally talk on the new thing reference value increases the scope for restaurant checks.

They are a popular alternative for companies with no canteen or if employees at various operating locations receive equal treatment should be. With the new set, a total amount of up to 1.304,60 Euro per year and employee available to neither taxes nor social contributions incurred is plants. “Workers social welfare benefit from the increase of the food value. Working days are 5.93 euros as Catering package available. The net pay of employees so that beneficial to 5 to 7 percent increase, and that is the Government-funded staff catering without additional costs”, commented George Wyrwoll, corporate relations manager and tax expert at Sodexo, the new possibilities. Description of the company Sodexo in Germany Sodexo is represented for more than 50 years in Germany and nationwide about 14,000 employees. Sodexo of leading service providers around the issues of employee motivation, corporate welfare is motivation solutions Division (Sodexo restaurant pass) and incentives, as well as services for the Government. With its services, Sodexo reached more than 550,000 people.

Peer-to-peer lending and social lending in Germany clearly on the rise of social lending or peer-to-peer loans subject to a steady growth in Germany since its introduction in 2007. With increasing importance of the Internet and the share of social lending on the world’s financial transactions, including also the personal loans, will continue to increase in the coming years at least with the decline in the current low interest rate environment. In the peer-to-peer loans, referred to often as social lending, banks or other credit institutions remain generally completely sidelined. Special features of this type of personal loan is the purchase or sale of loans between two private individuals, as well as the Internet as almost exclusive trading platform by creditors and debtors. Also in lending by one or more individuals to small businesses, especially if they have their seat in the third world, spoken by the social lending, so the “social bond”. It is in this case a personal loan, which Creditors are more charitable reasons and the profit has only a subordinated role. The development and prospects of social lending are to assess very positively.

This applies to both worldwide as also specifically for the market in Germany, where the German-speaking area is still a comparatively has limited market share. Particularly in Austria, the legal situation regarding peer-to-peer loans which are transmitted over the Internet, is still very unclear why appropriate platforms in the past were given no permission from the Finanzmarktaufischt. For the first time, personal loans were introduced in 2005 over the Internet then exclusively in the UK and with a total turnover of around US$ 120 million. The United States, Germany and Asia followed in the following years, so that the development of the social lending or peer-to-peer loans with a total turnover of 270 million US dollars almost exploded in 2006 and each more than $ 500 million in the following years. She noticed much Gartner study considers possible a global potential of up to $ 5 billion per year in the social lending and already predicts the reaching of this mark for the year 2013. In Germany of a comparatively safe legal situation, where the usual principles of personal loan apply subject to social lending or peer-to-peer loans. Creditors and debtors arbitrarily set the level of interest rates for the loan and are bound by no special formality.

It is however recommended that the credit agreement to safeguard the interests of both parties will be notarized ideally, but at least complies with standard bank. In addition, the credit interest rate may exceed maximum double the value offered by banks. Since the social lending and other personal loans but anyway the social component in the foreground, so both creditors deemed liable to benefit from it, is such personal loans by individuals already elected a loan interest, the between the credit interest on the savings account and the Bank Loan interest rates moves. Corinna Friedrich born Wan