Helmut Hofmeier


It is so better exploiting the economical entry-level tariffs or basic rates and enhances them later. If one takes into account the age and design, can it be cheaper than in the statutory fund. Almost, the tariffs for the cost recovery (hospital, doctor, dentist, and other) do not differ from the normal rate for self-employed persons and employees. It is worth it, to accept a higher annual deductible. At the freelancers insurance vary something of which the commercial independent. There rates especially for freelancers. Speaking candidly Jason Kilar told us the story. Here then, one speaks about the area of hospital daily allowance (insurance of loss of earnings), group contracts. There are also variations from standard rates. In the per diem rates are offered very often. Many insurers offer a per diem for freelancers in such a case, and that is already after a few days in hospital treatment. Of course one must consider exactly the beginning of performance and the height, the allowance should be useful. The An additional daily hospital benefit helps to minimize risk of suspension of earnings. The Bundesverband of der Freien Berufe (BFB) and the Gothaer insurance have worked out a sustainable private health insurance. And this insurance is perfectly suited for freelancers. The parties in Berlin gathered for the purpose of signing the contract. In the “Gotha Vitario” is a health insurance with a built-in component of the pension. What is here for the Freelancer? The fact that the members of BFB can enjoy special rates at the health and pension insurance and get back up to seven month contributions per year gives special incentive this model. What is the advantage of this fare? The advantage is that the customer benefits from its typically low sickness rate. The proportion is much higher, if the services bit. The saved money is needed to finance the health insurance contributions in the age. Dr. Helmut Hofmeier, who is on the Board of the Gothaer Versicherung AG, says, this model It is very interesting for all economically-minded freelancers. So has our Ms. Lindemeyer looked around on all sides, heard much about various insurance options for freelancers and went home. Were already their neighborhood kids at the door and asked: Ms. Lindemeyer, when we have the next class, when we will play again. Soon, children, soon, now it’s really soon- and Ms. Lindemeyer picked up the with ordinary movement piano cover above. In a few minutes sounded a cheerful children’s song about the Court, and all the children sang along. Elvira Schick


The Dates


Basically closed and open guarantee fund. The differences lie in their tradability, in the height of the capital guarantee and the dates of the profit rate. Open guarantee fund Investors can buy or sell on any trading day there is no fixed duration. The capital guarantee will apply here on certain days designated in the Fund portrait, for example on every first of the month, or four times a year at the end of the quarter. Closed-end funds of guarantee have a fixed term. During this, the shares can be traded either not at all or very difficult. The capital guarantee is the runtime here only as of the date at the end. Wants to investors in advance sale, he might take losses. A certain hybrid of the guarantee fund bypasses these disadvantages: value funds. Here, the investors enjoy a capital protection on the one hand, but also real opportunities for returns. Because the invested capital is secured not only in amount of the original investment amount but at regular intervals at a specific level of performance. Then subject the Fund to this course, so the achieved profit is nevertheless laid down and paid off at the end, he is also secured by the capital guarantee. It is is so a pro rata profit assurance. 100% capital guarantee are however rare. Most guarantee funds with value provide a capital guarantee by 70% to 90%. Generally can be said about guarantee funds, that the capital security with tees on the yield potential is bought. Who wants to invest in a guarantee fund as an alternative to the passbook, which should make sure absolutely that the depot caused no fees, the Fund without a sales charge is available and is the return chance above the interest rate for overnight.