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2008
For their successful, good life Information you really need: Government-funded publisher, awarded the Global Business Award as Publisher of the Year: Books, Magazine, eCourses, data-driven AI-Services. Print and online publications as well as the latest technology go hand in hand - with over 20 years of experience, partners like this Federal Ministry of Education, customers like Samsung, DELL, Telekom or universities. behind it Simone Janson, German Top 10 blogger, referenced in ARD, FAZ, ZEIT, WELT, Wikipedia.
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Online shopping: Shop & pay securely
On the Internet you can not only find information, but also buy everything: CDs, books, electrical accessories, software, clothing, travel - or even medicines in the many online pharmacies. Here are some tips for online shopping. How do you find what you are looking for? Good online shops guide the customer step by step through the ordering process and make it clear…
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Education Credits Training IHK
There are already numerous financing offers from various banks for financing your studies. In the case of vocational training, on the other hand, it is still relatively unusual to take out a loan to finance it. Nevertheless, there are already some offers here that have not yet been subjected to any test or comparison procedures. Student Loans One option is to simply google the term “further education loan” and then…
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Trade tax: How does it work?
Self-employed persons who are not classified by the tax office as freelancers under Section 18 of the Income Tax Act are automatically subject to trade tax as traders. However, there is an exemption for sole traders and partnerships, which is currently 24.500 euros. Municipal economy tax Officially, the trade tax as a municipal tax is known as the municipal economy tax. What is trade tax paid for? You pay trade tax for…
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Bildungsscheck Stiftungen Auslandsförderung
For particularly talented and hard-working people who want to continue their education or work in certain professions, there are also foundations that take over the financing of the measure. If you apply here, you should be aware that special expectations are placed on you - but you can try. Foundations Find out at http://www.stiftungsindex.de whether there are also…
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Financing of further training: Education vouchers from the employment agency
Education voucher: what is paid for? The employment agency issues training vouchers for all further training (but not for the training measures!), which you can only receive after detailed advice from the employment advisor - if you meet the conditions and the advisor agrees. There are of course guidelines for this. The employment agency mainly covers the costs of the course as part of an education voucher.…
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Finance further education: How to convince the employment consultant
You have no legal entitlement to a grant. Whether or not you receive a grant is entirely at the discretion of the employment counselor. In order to get any further education or training at all, you must first convince your employment counselor. What's the best way to do this? Getting Started The first step in persuading the employment counselor of the need for funding…
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Promotion of professional development
In addition to the training, there are then the "real" further training measures at the employment agency, which according to the SGB are so-called "promotion of further vocational training". Although it has long since officially ceased to exist, it is still used internally by the employment agency. How is the promotion of further vocational training regulated by law? Although the division into retraining, further training and job adaptation...
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Funding by the Employment Agency
However, you do not necessarily have to bear the costs of further training yourself. There are different ways to get grants. Employment Agency One of the first points of contact for this is the Federal Employment Agency. Here, the job advisor is responsible for advising and financing further training. Make an appointment for a personal meeting. However, you should not…
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Further education financing: That costs further education and training
The linchpin of your further education are of course the costs and the financing. Because it doesn't do you any good that there are theoretically meaningful further training courses that you can hardly pay for in practice. Overview: costs of further training Further training Additional training But how expensive is further training and what options do you have to finance it? Missing here too...
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Postgraduate studies: Which educational loan is best?
However, it is not possible to say in general which offer is the best; the attractiveness depends on the personal situation and the plans of the students. An overview Therefore, here follows a list of particularly noteworthy or particularly critical aspects and corresponding offers, to which we want to draw special attention. More extensive information and recommendations…
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Postgraduate studies: Educational credits for the Master
Anyone who is not entitled to BAföG can apply for a low-interest education loan from the German Equalization Bank. How much money do you get? Up to 7.200 euros are granted within a training phase, but only up to the age of 36 and up to the end of the 13th university semester. The education loan is granted regardless of income and for studies in Germany and abroad.…
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How to find the right training advice
If you're not sure which training is right for you, you might want to seek advice. Counseling centers put to the test If you want to apply for a grant, such as an education voucher or an education cheque, counseling from certain agencies is even mandatory. But where and from whom can you get advice at all? And what advice is...
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Quality of a further education - quality seal at a glance
The question of whether the further training is worthwhile for you should only be a selection criterion. Because it is also important to judge the further training according to the quality of the content. Seals of quality can help A number of quality assurance concepts and certificates can help you to get an objective picture of the quality of further education. But seal of approval is not…
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Find training on the Internet
If you do not want to or cannot take advantage of further training advice, you have the option of looking for suitable measures yourself – e.g. B. via the Internet. Results of Stiftung Warentest Stiftung Warentest examined 150 of almost 25 databases, including ten nationwide, new state-wide and three regional as well as three subject-specific. The aim was to...
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Postgraduate studies: scholarships study abroad
If you don't want to stay in Germany, you should take a look at the DAAD: Here, for example, scholarships for the USA of €950 per month are awarded, and travel expenses and tuition fees for one year up to €10 are usually covered. In principle, you are free to choose the university, it depends on the respective degree program and other…
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Is training worthwhile at all?
A question that you should also ask yourself if you are not already doing it: is it even worth investing time and money in further training? Does the further training actually bring the hoped-for increase in salary, the new job or the more orders for which you would like to continue your training? Statistics on the acceptance of further training? Unfortunately, in…
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Recognize the benefits of continuing education
First of all, you should ask yourself why you want to do further training at all. Surely you would like to acquire additional knowledge yourself, which will be useful to you on the job market. Or maybe your boss wants you to do further training. The further training must bring something But it's not just about learning anything at all. Much more…
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Definition - what is training?
Everyone is talking about further training: But finding the right further training is like looking for the famous needle in a haystack, because the German further training landscape is more than confusing: A lack of legal regulations and binding standards make it difficult to compare the different offers. Continuing education is worth it! The acceptance of the further training qualification, which is often acquired for a lot of money and with a great deal of time...
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Postgraduate Studies: Scholarships & Funding
However, BAföG is not the only way to get state-funded postgraduate studies. There are other ways the government can help you finance a postgraduate course. One point of contact is the Federal Employment Agency. Legal Regulations However, there is a problem here: There are no clear legal regulations that tell you whether you…
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Health insurance for the foreign countries: sick on vacation
Whether heat stroke on the beach, a broken leg while hiking in the mountains or exotic viral infections: the list of injuries that can really spoil the best time of the year is long. But illnesses on vacation are not only annoying, they can also quickly become very expensive. Health insurance abroad If you have statutory or private health insurance in Germany, you are in…
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8 tool tips to save time on the Internet: The main thing is efficient {Trend!-Products}
Internet is great - but it takes time: surf, search, click, read, click away, eMail-Retrieve, delete spam - etc. That's an unbelievable amount of time that is lost every day. Studies even show that productivity suffers significantly when using the Internet. But there is a remedy! 8 Time Saving Tips Using the Right Tools…
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Establishing a limited company as a legal form for business start-ups: 5 X 4 tips on the costs and risks of a foreign company
The Limited is the English form of the GmbH with the abbreviation Ltd. Such a foundation is also possible in Germany and accordingly popular, especially if you are active abroad. limitation of liability? Every fourth start-up in Germany should be a limited company! The Limited is popular because it is advertised accordingly on the Internet. The large, tempting-looking…
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Postgraduate studies: Which funding case must be available?
In order to receive BAföG, one of the following cases must exist for funding according to BAföG § 7,2: For example, initial training, a master's degree as an advanced course and the master's degree is the prerequisite for the practice of the profession and a few more cases. If these conditions are not met, there is no BAföG! Case 1: Initial training The initial training was an essential prerequisite for…
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Postgraduate Studies: Loan Promotion for the Master
Completed training, but you still want to receive BAföG for further studies? Under certain circumstances this is possible. Funding is also possible after the completion of the first training If you have completed the first vocational training and are therefore no longer entitled to payments according to BAföG § 7,1, you can still apply for a...
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Postgraduate Studies: The End of BaföG & Alternatives for Masters
The regulations for funding non-consecutive and continuing education Master's and MBA courses, on the other hand, are much more complex than for consecutiveCourses, because a precise differentiation of the individual training sections is very important. Apart from the regulations on the maximum age, it is not important whether you worked in the meantime. Vocational training BAföG according to § 7,1, as a grant and…
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Postgraduate studies: BaföG Master Funding Conditions
There are various ways to finance a postgraduate degree. Probably the best option: BAföG, because here you receive an interest-free loan and a subsidy for certain postgraduateCourses, while for others there is only a loan with full interest. And unfortunately, in order to apply for these grants, you must meet certain conditions. Master BAföG, on the other hand, is not possible at all, since this is not…
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Bankruptcy & Failure: How Entrepreneurs Deal With It
Failure is still a problem in Germany, especially because many people don't even start out of fear. My piece in the Financial Times shows why. 29.000 company insolvencies every year Although there are around 29.000 company insolvencies every year, entrepreneurial failure in Germany is anything but normal: anyone who has to file for insolvency is to blame in this country...
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Postgraduate studies: Minijob next to the Master
If you complete your postgraduate studies full-time and finance them with a mini-job on the side, but are still covered by student health insurance, nothing will change if you occasionally work as a temporary worker (minor employment). Marginal employment Marginal employment exists if the employment within a calendar year is limited to a maximum of two months or 50 working days or the…
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Postgraduate studies: costs of taxes & income-related expenses
If you do postgraduate studies alongside your job, nothing changes for you, you simply continue to pay your income tax as usual. The same applies if you devote yourself entirely to your studies and work on the side. How much do you have to pay? Onset of taxation: Unfortunately, it is not possible to say in general terms how much tax you have to pay – too…
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Postgraduate studies: health insurance & part-time job during your studies
In principle, working while studying has no effect on student health and pension insurance if you stay below a certain number of hours. Health insurance doesn't care how much you earn, as long as you have enough time to concentrate on your studies - then you are considered a regular student. Earnings are decisive when working...
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Postgraduate studies: Voluntary health insurance
How are you insured during postgraduate studies? The answer to this question is a bit more complex and depends on your other status. Self-insured or through the employer? If you are studying for a postgraduate degree and your employer has given you time off during this time, if you are self-employed alongside your postgraduate studies, or if you are completing your postgraduate studies…
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Postgraduate studies: accreditation & recognition of the Masters
Anyone who has made an initial selection from the offers should now take a closer look at them in terms of quality and content, because the market is quite confusing and in addition to high-quality offers there are also fantasy degrees and title dealers whose certificates are of course worth less on the job market. Selection based on hearsay Prospective buyers are generally tempted to…
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Postgraduate studies: How to find the right Master
In fact, finding a suitable graduate degree is like the famous search for a needle in a haystack. Because more and more universities are offering interesting-sounding postgraduateCourses for specialized professional areas. Deciding according to personal goals When deciding whether and which postgraduate course you should complete, ultimately only your own personal goals will help you. Who in a particular...
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Postgraduate studies: Useful or not?
With the high cost, you may be wondering if a postgraduate degree is even worth it. The answer is yes, if it gives you exactly what you need. Because: A postgraduate course can impart specific knowledge that can be applied directly in everyday working life. Why a postgraduate course? But: Even before you start choosing your postgraduate course, you should…
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Postgraduate studies: Finance the Master
Unfortunately, it is not possible to say exactly how much a postgraduate course will cost you, because the costs can vary greatly: Big differences SomeCourses are free of charge, others cost the second course fees of EUR 500-565 per semester, which are now common in many federal states. Tuition fees are also often charged at state universities abroad. The offers are far more expensive…
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Postgraduate studies: Master of Business Administration (MBA)
A particularly well-known postgraduate degree is the Master of Business Administration (MBA). In principle, this means nothing more than the classic Anglo-Saxon master's degree in business administration: Because economic qualifications and management knowledge have become indispensable in all areas of working life. No other postgraduate course enjoys such a high reputation: MBA term A worldwide study of Graduate Management Admission…
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Postgraduate studies: definition of a further education course
Continuing education is “in”. Because lifelong learning is becoming increasingly important. One way to continue your education: postgraduateCourses. They help working people to open up new career prospects and graduates to improve their chances immediately after graduation. How much does a postgraduate course cost? What is postgraduate study: Let's start at 0 – with the definition. A postgraduate degree is…
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Train travel is also cheap: saver prices, flat rates, etc. when traveling
“All of Germany from 49 euros” and “because the train is cheaper” – this is how the Deutsche Bahn is currently advertising in a TV commercial for the long-term family special. Unfortunately, it's not that easy: If you want to travel with the cheap fares, you have to plan carefully and book in good time. stern.de shows what is important when buying tickets. Train instead...
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Poor quality of job advertisements: job search – but do it right! {Trend! study}
To be honest, I've always doubted that you could really find a job through job advertisements. There are several reasons for this: Job advertisements advertised for advertising purposes Apart from the fact that many job advertisements are advertised for advertising purposes and the position in question is not really vacant, most job advertisements are formulated so eloquently that you can register under the…
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Health reform & health insurance: an overview of old & new regulations
The financing of the (SHI) will be redesigned with the introduction of the health fund. From January 1, 2009, all contributors will pay the same contribution rate. This means that uniform contribution rates also apply to statutory health insurance, as is already the case in statutory long-term care, pension and unemployment insurance. How does the system work? The federal government provides a flat-rate payment for expenses...
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Health reform & health insurance: What will change for everyone who is not compulsorily insured?
If you are not compulsorily insured in a statutory health insurance scheme, you, for example as a self-employed person, previously had the choice of whether you wanted statutory, private insurance or no insurance at all. That changes with the health care reform, because from 2009 there is a general obligation to take out insurance. Since 2007, for those formerly legally insured and those who have never been insured, she began…
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Health reform & health insurance: private health insurance tariffs
The cheapest solution to insure yourself with private health insurance has so far been the standard rate. What is the standard rate? The standard tariff is an industry standard tariff in private health insurance (PKV) and has fulfilled a social protection function since its introduction in 1994. It is aimed primarily at older insured persons who need an inexpensive tariff for financial reasons. The change…
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Health reform & health insurance: Private health insurance - benefits
If you enjoy certain services but do not want to forego the benefits of statutory health insurance, you can continue to take out statutory health insurance and also secure certain services again. What does private health insurance offer? Private health insurance companies offer various additional insurances from hospital full cost insurance to daily hospital allowance and additional hospital insurance to daily sickness allowance insurance. This alternative is…
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Health reform & health insurance: private health insurance & contributions?
As has been the case up to now, “normal” employees below a certain income limit have no choice as to whether they want to take out statutory or private insurance: they are compulsorily insured in statutory health insurance. Changing to a private health insurance fund is made more difficult Changing to a private health insurance fund is made even more difficult: people with compulsory insurance may only switch to a private health insurance fund if their income…
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Health reform & health insurance: Voluntary tariffs in the GKV
In addition to the optional tariffs prescribed by law, there are a number of voluntary tariffs from health insurance companies. A minimum commitment period of three years applies to all tariffs that the health fund can offer voluntarily. This means that the insured commit themselves to such a tariff for their health insurance company for this period. When can you switch? Before the expiry date, the health insurance company can…
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Health reform & health insurance: optional tariffs in the statutory health insurance
If you are compulsorily insured as an employee in the statutory health insurance fund, you only pay the employee share, i.e. half of the contribution rate of your health insurance company. If you voluntarily take out statutory insurance, as a self-employed person you pay the full contribution yourself, i.e. employee and employer contributions. The contribution rates The contribution rates vary between 11,8 and 15,5 percent of the relevant income in…
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Health reform & health insurance: Statutory health insurance
In the coalition agreement between the CDU, CSU and SPD of November 2005, the coalition parties agreed on a reform of health insurance, which should take into account the rising costs of health care due to medical progress and demographic change. Finding compromises The aim was to find a compromise between the models for the health premium formulated by the Union parties in the 2005 federal election campaign and…
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Business start-up & company name: Companies have to observe this legally
The term "company" under commercial law does not refer to the company as a whole, but only to the name under which the merchant appears in business transactions (§ 17 HGB). This results in various obligations. Why is the choice of company name so important? You have some ideas for a new business, but the thought of finding the right name for it...
