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For their successful, good life Information you really need: Government-funded publisher, awarded the Global Business Award as Publisher of the Year: Books, Shops, 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, referenced in ARD, FAZ, ZEIT, WELT, Wikipedia.
Federal Labor Minister Ursula von der Leyen and spoke at the UDL Digital Talk in Berlin today Spiegel Online managing director Katharina Borchert on the changing world of work. The focus should be on the situation of digital knowledge workers and the self-employed. Very quickly, however, you somehow got to the women's quota and DAX companies. What else Ursula von der Leyen revealed: Youā¦
Pension insurance has its pitfalls: Even if you are self-employed for the tax office, it may be that you are classified as an employee by social security: then, for example, if you are prescribed as a contractor by the client - and a few other factors. This has consequences! Voluntary or mandatory? Actually, you might not care...
"400 EUR jobs" or so-called mini-jobs are also called "mini-jobs". For them there is freedom of insurance in the social security system, at least for the employee. That means: You don't get more than 400 euros per month for a mini-job. Those who get more work from a so-called midi job. The marginal income limit The German social security system is tricky: While the tax is about theā¦
Traveling and discovering the world while earning money is a dream for many. The reality often looks different. What do you have to consider to make it work? Freedom and independence as a digital nomad? Role models like Tim Ferris, online entrepreneur and author of the bestseller āThe 4-Hour Workweek: More Time, More Money, More Lifeā have shown the way. Independent andā¦
For companies, it is one of the most unpleasant things that can happen to them: a tax audit. It can affect anyone from small business owners to large corporations and even employees. But what can be done about it? The tax office resorts to databases A question that certainly arises with every desperate business owner when he feels the breath of the tax inspector on the neck:ā¦
Craftsmanship in Germany tends to be somewhat boring and old-fashioned. But that doesn't apply to the food designer. Cocoa Beans and Adventure A seafarer's life is one given by to wander wanderlust - the search for adventure, crossing invisible horizons to secure precious goods - only to bring them back to their...
And here is the second video from the small series about artisans. This time it's about leather makers - a craft that doesn't exist in Germany and that one would therefore traditionally have to translate as shoemaker. In any case, this is also a very nice video about how close craftsmanship, tradition, design and art are to each other...
Even if social issues hardly ever come up in TV duels before elections, they are no less urgent. Take unemployment, for example: For those affected, a termination is often much more than just a financial loss; long-term unemployment in particular can have serious effects. TV duel and urgent social issues In the TV duel between Angela Merkel and Martin Schulzā¦
With today's oversupply of information and the mass of bureaucracy, you spend a lot of time on work that has nothing to do with your actual job. Here you can find out how to remedy the situation and simplify your everyday work. Work more efficiently by delegating ā this is how it works Example: Carpenter K. starts the day by doing his calculations.ā¦
Interest rates are in the basement and there are no longer any investments that were once worthwhile and safe at the same time, such as federal savings bonds. So how do you invest your money wisely? An overview! What the farmer doesn't know... "What the farmer doesn't know, he won't eat," goes an old and admittedly rather crude proverb. Amazingly enough, it apparently has universalā¦
Everyone talks about integration problems, nobody talks about how bad bureaucracy and working conditions for teachers work. A field report. Working conditions of an honorary teacher Hello, I'm Susanne Hausner. This is of course a pseudonym. Because I am writing here about my work as a German teacher in an integration course at a further education institution in North Rhine-Westphalia. I teach 26-30 hours a week...
The two main tasks of teachers are educating and teaching. But that's also a question of money - that increases the demand for additional offers. Additional private offers are in vogue However, in times of scarce state coffers and ever-growing classes, individual support is becoming less and less important. Many parents are therefore looking for private additional offers, their children...
Craftsmen are among the promising professions because their skills are in demand. With your art, you not only create profane furniture, but also enable a stylish life. Crafts for a Stylish Life āIt's a shame to only have dreams at night. During the day you should have a few opportunities.ā This wistful quote from Stephen Alesch speaks volumes...
July 12 is always a ambivalent day for German taxpayers: Statistically, taxes and social security contributions are worked up until this date, and only then do the income flow into one's own pocket. It is all the more important to deal with an essential topic: an overview of your own finances. Why the conscious use of money is important...
Tax audit - the horror for every entrepreneur. Although normal tax audits have to be registered, the effort is huge every time. Therefore, as an entrepreneur, you have to prepare yourself as well as you can for a tax audit. You can find out what to watch out for here! What are the benefits of tax audits? It is not for nothing that the shipowner Peter KrƤmer is in the SĆ¼ddeutschen...
Who saves, has in need - so they say. But that's only half the truth when it comes to financial planning. The right investments are at least as important on the financial market. 25 tips. Finding the right investment with financial education Keeping an eye on finances and expenses, saving in the right place, you know that. Sheā¦
Television formats such as "Super-Nanny" show that there is a broad interest in the topic of child rearing and childcare in Germany. What is the job profile and starting a business as a childminder? The Rabenmutter discussion ā a German problem? Whether children should be brought up exclusively by their own mother or whether they should not just as well, at least temporarily, be brought up by aā¦
You can't do without financial education, because if you want to get rich, you have to act like a rich man. These tips will help! Rich Dad, Poor Dad I learned most things about economics from two people: my father, who was a highly educated, senior government official, and my best friend's father, who afterā¦
Whether a young company is successful on the market in the long term is ultimately decided by the cash flow. 7 tips for financial management. Relevance of finances in self-employment If you are self-employed and want to successfully start a business and run it in the long term, solid financial management plays an extremely important role. With regard to the profit and loss statement...
Experts expect that every second German will live below the poverty line in the future. What helps against this is suitable pension financing, so that financial freedom does not remain a dream. Pensions: Heiner GeiĆler believes in miracles There will be a two-class society: wealthy private individuals and poor pensioners. What can you do? Let me tell you a story about that...
Sebastian KĆ¼hn gives up Best of HR ā Berufebilder.deĀ® Tips for a self-determined life. An important aspect of this: founding your own company. We give 8 quick tips for starting a business. The main thing is to play it safe? Despite the current startup hype, starting a business in Germany is still a topic that is viewed with suspicion. They seem too bigā¦
Startups are currently booming. Germans tend to be more security-conscious. This is also reflected in the many types of insurance that are offered to start-ups. But which ones really make sense? Security-conscious founders Even if we are currently experiencing a real start-up boom in Germany, the Germans are more security-conscious: it was just 13 years ago that allā¦
In most cases, those who are firmly established in working life give little thought to what will happen when they can no longer practice their profession. Disability insurance can help with this. What does disability mean? Disability is defined as when the employee is no longer able to work for health reasons before reaching retirement age.
There are people who always want to get really fit on vacation - at home and also on vacation, especially since sports trips are an increasingly important tourism trend. But it's not just about sport: it's about selfness. Selfness But selfness is not only optimization at any price: To put it bluntly, it is about hard physical instead ofā¦
Founding a start-up, bureaucracy, insurance, finance
Following one's own inclinations in the dream job - this is what many dream of when they begin studying in the arts or humanities. But does such a degree make sense? From dream study to dream job? Humanities scholars - idealistic, unworldly and unsuitable for the job market! With such prejudices from parents, teachers and sometimes even your own Professoren students must register inā¦
"We earn our money too hard to invest the then too low interest," wrote financial expert and Berufebilder.de-Author Stephanie KĆ¼hn. But how do you invest your money well in times of low interest rates? 5 publications by Stiftung Warentest provide tips. Invest money profitably Just as many people worry about how they invest their money...
The world is change. The right strategy is all the more important in order to survive in the markets of the future. What you should know about the target group of the future People in Germany are getting older and older. Demographic change not only poses major challenges for the social system, but also for companies. The seniors of today (and tomorrow)...
Sascha Lobo once shaped the attitude towards life of an entire generation with his book "We call it work": The digital bohemia wanted to work freely and self-determinedly. Last week, Lobo indirectly declared the failure of this idea. My shoes kicked off The interview that Lobo gave in the Frankfurter Rundschau last week was actually about aā¦
Federal Minister of Labor Andrea Nahles speaks at the MCC Congress "Future market for old-age provision" and answers a few questions from the participants, including many employees of insurance companies. It only gets exciting at the very end. Nothing new in the West On February 18.02.2014, XNUMX I was at the MCC Congress āFuture Market for Old-Age Provisionā in Berlin. Federal Labor Minister Andrea Nahles held the keynote speech. Her topic: The pension insurance systems and theā¦
The new regulation for mini-jobs has been in effect since the beginning of 2013: Anyone who has accepted a job for up to 450 euros since January is exempt from health insurance, long-term care insurance and unemployment insurance. What is new, however, is that pension insurance contributions are now due. What to pay attention to? An overview. No health insurance only via the mini job This question keeps coming up...
Art is an insecure livelihood. It is not for nothing that one also speaks of unprofitable art. But if you can, you can make a living from it. Studying doesn't prepare you for a job Carola RĆ¼mperer has to make one thing clear right from the start: as an artist, you're only creative 50 percent of the time. The other time goes for networkingā¦
Federal Minister of Labor Ursula von der Leyen wants to force the self-employed to make provisions for their old age: from 2013 they should be able to pay into either private or statutory pension insurance ā at least 300 euros a month. An overview of facts and errors. The compulsory pension insurance for the self-employed concerns us all: Von der Leyen's mistakes Although not all the details of theā¦
Statutory social insurance in Germany includes health, pension, nursing care, unemployment and accident insurance. The most important insurance, however, is health insurance. Because it is mandatory insurance for everyone. Health insurance compulsory Until a few years ago, you could also remain without health insurance if you were self-employed or had a mini-job, for example. Since April 2007 theā¦
Some freelancers are not freelancers but workers and fictitious self-employed - at least for social security. Explained in an interview Dr. Benno Grunwald, what can be done against this classification and why a status application is not a good idea. Dr. Benno Grunewald is a lawyer, specialist lawyer for tax law, mediator (DAA). He has successfully represented freelancers in various cases whoā¦
If you are self-employed, you have to take care of your own security. You are spoiled for choice between the statutory security systems or private provision. How to decide? Why insurance at all? Because they are useful. For example, those that minimize your liability risk - or loss of earnings in the event of illness. An independent financial adviser canā¦
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 fĆ¼r Arbeitsschutz und Arbeitsmedizin) suggests one thing: Accidents are a big risk, especiallyā¦
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...
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 andā¦
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 shouldā¦
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,...
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 theā¦
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...
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 isā¦
Founders have no money to give away. This is what you need to build your business. But many new entrepreneurs waste money by getting the wrong insurance or too much insurance. What insurance do founders need? It is true that entrepreneurs do not have any money to give away. But many entrepreneurs squander it by getting too much insurance or the wrong insurance...
Web designers have recently also been allowed to join artist social insurance. But while they are happy, their clients are annoyed - because they now also have to pay taxes to the artists' social security system. An overview of the regulations. No reason for polemics Understandable, but by no means a reason to become polemical and immediately expect the downfall of Germany, a huge wave of bankruptcies or anything else...
The purpose of BAfƶG is to provide you with financial support for the duration of your studies if you do not have any funds of your own. If, on the other hand, you work or have assets, you no longer need BAfƶG. How are income and assets counted? The same applies to parents and spouses: According to civil law, they are obliged to support you financially during your trainingā¦
If you've just been fired, you're probably shocked at first. You actually need time to think about how to proceed. But you should go to the employment office first. Job gone - now what? Even if it is difficult: Postpone this "mourning work" until later. Find the local one as soon as possible...
Maybe you had it in mind for a long time and weren't quite sure if and how. Or you can't find a job even after a long search and see it as the last resort - the step into self-employment. Am I even an āentrepreneur typeā? Starting a business must not be the last āemergency exitā out of unemployment. You must have customers fromā¦