2009
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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OPINION! Charles Darwin * the father of the theory of evolution: "Only those who get to know a scientist emotionally can understand his attitude!"
The mind of the father of the theory of evolution, Charles Darwin, gives me an interview. The reason for this is an audio book written by the author Andreas H. Drescher, which was published at the end of Darwin Year 2009. Charles Robert Darwin, born in England in 1809, is considered one of the most important natural scientists because of his contributions to the theory of evolution. Basis for Darwin's later work...
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Accident insurance comparison: the right choice [+ checklist]
Whether private accident insurance makes sense ultimately depends on what other insurance policies you have taken out. Is accident insurance worth it? Every six seconds, an accident occurs at home and during leisure time. This quote from the Federal Institute for Occupational Safety and Health (Bundesanstalt für Arbeitsschutz und Arbeitsmedizin) suggests one thing: Accidents are a big risk, especially…
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Mini-job, mid-job & health insurance: health insurance with mini-job
Health insurance for mini-jobs, the so-called 400-euro jobs, is not partly covered by the employee, unlike with a normal job. What options does a mini-jobber have to insure himself? Is this billed annually or monthly? Recently, the question arose in the forum as to whether the earnings from mini jobs should be paid for the whole year or monthly...
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Accident insurance: tariffs contributions benefits
Accident insurance only applies to accidents, not illness. Basically, it is the task of the accident insurance to insure you against disability. Many additional services are superfluous and only increase the premium unnecessarily. Insurances under test In 2007, Stiftung Warentest first tested 4000 accident insurances (as of 0April 2007), which you can access here for a fee. In total…
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Registration & taxes for start-ups: regulations at a glance
Before you start self-employment, you should work with your advisor to check which authorities you need to register with and where you need to register. Obligations to notify exist in particular for: Freelance work: Registration with the tax office If you want to work as a freelancer, you must in any case contact the tax office responsible for you...
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Accident insurance: What is the articulated tax?
Some insurance companies offer policies that provide for special membership fees for certain professional groups. For example, insured persons only get ten percent of the sum insured if they lose their index finger. Protection of professionally important parts of the body According to the model conditions of the General Association of the German Insurance Industry, the individuality for a single limb or sensory organ begins at two percent (for the loss of a toe) and extends to a maximum of...
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Accident insurance: tariffs insurance obligation damage cases overinsurance
Accident insurance protects you if you are permanently physically or mentally impaired as a result of an accident. In technical jargon, such an impairment is referred to as disability. Duty or freestyle? The biggest problem when choosing the right accident insurance is the lack of clarity of the offer: On the one hand, insurers are not exactly open when it comes to…
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Planned change in part-time and fixed-term employment law: undermining protection against dismissal through the back door?
The black-yellow coalition wants to enable chain contracts for temporary employment. So far, a fixed-term employment contract can only be extended three times within two years without an objective reason. That should change now. What does that mean exactly? Since 2001 Since January 01, 2001, the part-time and fixed-term employment law has been in force in Germany. Accordingly, the limitation of an employment contract is then at any time ...
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OPINION! Temporary worker Sigrid Lang: "Temporary employment agencies have to value their employees & not treat them like a piece of meat"
In an interview, Sigrid Lang explains why she does temporary work, how to recognize dubious temporary employment agencies, that not all collective agreements are the same and why personal appreciation is so important. Sigrid Lang has been project management assistant at Neukranz Personalservice GmbH since August 2009. There she organizes all internal business processes for the customer in the project office of a large construction site. For…
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Experience report on temporary work - 8 tips: Modern slavery or alternative to unemployment?
Temporary work has the worst possible reputation as modern slave labor at dumping wages that displaces permanent employment. However, under certain circumstances, temporary work can also be an acceptable alternative to permanent employment. 8 tips. Temporary work as an alternative to unemployment? If you want to work but don't have a permanent job and won't be able to work for the foreseeable future, temporary work could be a possible alternative...
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OPINION! Professor Dr. Hermann Schöler from PH Heidelberg: “The importance of early education was underestimated for too long”
Professor Dr. Hermann Schöler, head of the early childhood and elementary education course at the University of Education (PH) Heidelberg, has been campaigning for the professionalization and academization of early childhood education since 1972. Schöler studied psychology and from 1972 to 1982, after completing his studies, was a research assistant at the Universities of Heidelberg and Mannheim. Since 1982 Professor for psychology...
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Disability Insurance: Abstract Reference Dread Disease Alternatives & Self Employed
If you want to take out disability insurance, you have to take a few things into account - including the abstract reference and exceptions for the self-employed. It is therefore good if there are alternatives such as dread disease insurance. Abstract reference If your insurance contract contains a wording such as "...if the insured person is unable to exercise his/her profession or other activity that he or she is unable to perform due to health reasons...
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Funding money for start-ups: 8 tips on start-up subsidies, employment agencies & loans
Those who start their own business can avail themselves of a variety of state aid. My article on ZEIT ONLINE provides an overview for start-ups. 1. Start-up grant The start-up grant is the successor to the Ich-AG. The basic requirement for the approval of the subsidy is a remaining entitlement to at least three months of unemployment benefit - as well as the commencement of self-employment, via which a…
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OPINION! Monika Wulf-Mathies on careers, women & humanities scholars: “You can achieve a lot if you just want to & don't let yourself be discouraged”
Dr. Monika Wulf-Mathies worked in the Chancellery, was ÖTV chairwoman, in the European Commission and advisor to Gerhard Schröder. She has been with DHL since 2001. In an interview, she reported on her recipe for success. After studying history, German and economics and completing her doctorate in Hamburg in 1968, Wulf-Mathies was first an assistant officer in the Federal Ministry of Economics, then in the Federal Chancellery...
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The right insurance for starting a business: 9 tips for perfect protection
Entrepreneurs need good insurance. But what kind of insurance do you really need? Why the right insurance is important With rising unemployment, the number of business start-ups in Germany is also increasing. This is the result of the current start-up report of the German Chamber of Industry and Commerce (DIHK). In order for the path to self-employment to work out, founders should be well informed and…
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Disability Insurance: Social Security Sick Pay & Tax Benefits
Again and again, consumer associations, insurance companies and experts point out how important it is to have insurance against occupational disability: occupational disability is much more common than many people think. And the benefits of statutory social security are rather modest. Why insurance against occupational disability makes sense Private insurance against occupational disability is one of the most important types of insurance. Before graduation you should…
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Disability Insurance: Conditions Cost Conditions
Disability insurance isn't just about getting the cheapest insurance. It is more important that you actually get a contract with the company that offers good insurance conditions. You should pay attention to the following conditions: When are you unable to work? When concluding a contract, pay attention to when you are deemed to be unable to work according to the contract. At most…
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{Appointment} Panel discussion with ex-chancellor advisor Dr. Monika Wulf-Mathies & Simone Janson: Career entry for humanities scholars
On September 30.09.2009, 90, the following XNUMX-minute panel discussion “Romance Studies and Profession” took place on the occasion of the German Romanists Day at the University of Bonn. I was there as the author of the book “The Optimal Career Entry. Perspectives for Humanities Scientists ”. Also present: the ex-chancellor adviser and former ÖTV chairwoman Dr. Monika Wulf-Mathies, Andrea Frank from the Stifterverband für die deutsche Wissenschaft and Juana Juan-Banner, alumni coordinator of the…
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OPINION! Sandra Pietropaoli: "Unemployment is a shock at first - but what matters is how you deal with it!"
The trained communications manager Sandra Pietropaoli, 40, worked for 12 years in various companies in marketing before she became unemployed six months ago - for the third time in her professional life. The trained communications specialist Sandra Pietropaoli, 42, from Hamburg became unemployed. In an interview, she reports on her experiences as an unemployed person, about which she also blogs at. In addition…
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Insurance against occupational disability: risk groups applying for benefits
The occupation is also decisive for the contribution amount of an occupational disability insurance: Most insurers classify applicants into four occupational groups. The higher the risk, the more expensive the contribution. Every fifth employee becomes disabled Again and again, consumer associations, insurance companies and experts point out that private protection against occupational disability is one of the most important types of insurance. Therefore I present...
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Problems with Hartz IV: 10 Tips for dealing with the ARGE
Hartz IV recipients don't have it easy: they have to endure all sorts of sanctions from the employment agency. What to do if there are problems with the ARGE? Regulations are narrowly defined The regulations for unemployment benefit II recipients are narrowly defined: 351 euros of unemployment benefit II plus money for the apartment; Income and assets are taken into account with the exception of small allowances.…
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OPINION! Futurologist Dr. Eike Wenzel: “If I could see the future, I would not write studies!”
Dr. Eike Wenzel, author and consultant at the Zukunftsinstitut, on economic trends, the media crisis, the power of Google, Richard David Precht and the sense and nonsense of trend and future research. The media scientist, who has a doctorate, initially worked as a radio and TV journalist with a focus on feulliton, media and business before he met Matthias Horx, the founder of the…
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Entry fee & Hartz IV: self-employed or dependent?
The step into self-employment is not only an alternative to unemployment, but also the best opportunity to realize your own ideas, to develop yourself. Especially in economically troubled times, the number of business start-ups increases. The Federal Employment Agency (BA) supports this with advice and various financial aids. Entry allowance Even jobseekers with basic security...
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{Replica} Why STEM studies make sense: help, lack of skilled workers!
According to a recent study by the Stifterverband für die Deutsche Wissenschaft, new strategies for more STEM graduates (in the subjects mathematics, computer science, natural and technical sciences) are urgently needed in order to close the future gap in STEM specialists. More women in MINT professions The reason for the plight of young people lies in demographic change: In Germany, significantly more engineers go…
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My article at the Berufsverband Freischreiber: No money for insurance
On the website of the newly founded professional association for freelance authors in print and online media, Freischreiber, I wrote the article about insurance for freelancers. Don't give money away The good news: Freelance journalists don't have to give money away. Many insurance policies that are offered on the market for the self-employed are simply superfluous for them - for example operating cost or business interruption insurance,...
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{Replica} Girls Day: Who was there first - the hen or the egg?
Girls' Day is taking place in Germany for the ninth time today. For girls and young women, this day offers the opportunity to gain an insight into technical and information technology, manual and scientific professional fields - exactly the areas in which there is already a need for junior staff and in which women are still underrepresented. Because it is still decided...
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OPINION! Alexander Artopé, founder & managing director of smava: “5% of borrowers don't pay anymore!”
Alexander Artopé founded smava GmbH at the end of 2005; the SMava portal was launched in March 2007. The aim of the portal is to offer private individuals and the self-employed a simple and inexpensive credit exchange as an alternative to banks. As Managing Director of smava, Alexander Artopé is responsible for the areas of marketing, finance and strategy. Already during…
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IT-Recruiting of Women: Girls for MINT Enthusiasm
Women can earn significantly better in technical professions. Nevertheless, these are still considered unattractive for women. Some initiatives want to change that. MINT subjects: Diverse employment opportunities University graduates from the fields of mathematics, computer science, natural sciences and technology, the so-called MINT subjects, have a wide range of job opportunities, excellent career prospects and above-average wages. Nevertheless, the proportion of female first-year students is...
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Looking for cheap applicants thanks to the economic crisis: Skilled workers and executives ahead of {Trend! Study}
The global economic crisis is having paradoxical effects on companies: on the one hand, jobs are being cut and costs are being reduced. But apparently companies are still looking for qualified employees. Critics have long been rumoring that this is just for show and that they are actually primarily looking for cheap applicants. Not enough skilled workers Apparently, despite the financial and economic crisis, there are not enough well-trained specialists and executives. And…
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Professions in Humanities & Social Sciences: Perspectives on the Labor Market
What concrete prospects do humanities and social scientists have on the labor market? Where are your chances? And in which areas is it particularly easy to get started? Humanities scholars and social scientists: Not unworldly The fact is: Humanities scholars and social scientists are by no means as unworldly as they are commonly assumed. Rather, they often have qualifications that are in demand on the job market and…
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OPINION! Professor Gerald Lembke, founder of the ADVZR consultancy platform: “Online coaching can be an inexpensive alternative to normal coaching”
In an interview, Gerald Lembke tells Professor for digital media, media management and consulting at the Baden-Wuerttemberg Cooperative State University in Mannheim, where he came up with the idea for online coaching and where he sees the advantages and limitations of online coaching. Professor Dr. Gerald Lembke has been working as a coach for 12 years. He founded the consulting platform ADVZR in 2007 and was...
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Tax exemption for entrepreneurs: meaningful or not?
Actually, all entrepreneurs in Germany are subject to VAT. Small entrepreneurs who achieved sales of up to 17.500 euros in the previous year can be exempted from the sales tax obligation, as can teachers for certain courses. When is an exemption possible and when does it make sense? What is sales tax exemption? The sales tax exemption is in § 19 Abs. 1 UStG...
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Overview of Social Security: Health Insurance - But How?
For employees, it is usually not a question of how to get health insurance. The situation is different for those who are not automatically compulsorily insured through their job: the self-employed, unemployed mini-jobbers or students, for example, have very different options when it comes to health insurance. An overview. Job subject to social security contributions If you have a permanent job that is subject to social security contributions, apart from the choice of…
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Protection in case of disability: Private accident insurance
When it comes to accidents, many Germans are simply wrong or overinsured. Good accident insurance can be had for as little as 100 euros a year. But if you want to get the best possible insurance, you have to know which benefits are important for whom – and which extras can be dispensed with. An accident happens every six seconds “About every six seconds, in…