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03:05 PM, June 12, 2009
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The paragraphs check for cyclistsEvery year, diving the same questions. Is wearing a bicycle helmet really mandatory? Who is eligible for the financial loss, when the bicycle is stolen? And what insurance covers the costs of possible accidents? Although similar, three areas needed to be mutually complexity probably surpass - civil, transportation and insurance - but for the Radlalltag extends basically to the following three aspects. Wear a helmet or not? A general does not wear a helmet. Nevertheless, there are some cases where the courts for some time to see otherwise. The Düsseldorf Higher Regional Court had about a sports racer in 2007, a so-called criminal negligence ascribed this because the wear a bicycle helmet to minimize injury incurred, if not could have prevented. The helmlose cycling was already so recklessly. The same applies to children who are also the group most vulnerable cyclists are. If his health so close to your heart and not quite incidentally, would like the insurance risk, you should get a helmet ringing growth. Who pays after theft? Many cyclists believe that the household einspringt if the bike is stolen. This is true but only with significant restrictions. Because a household policy covers - as the name suggests - the things which are located in the household. Was the bike from the closed premises, stolen, then jumps this insurance. But while it often looks quite different. While some insurance companies take the damage if the bike was shut off and it was not stolen spätnachts refuse any other treatment. Consumers should therefore check with their insurer, under what conditions the bicycle is secured against theft. Some insurers offer additional insurance options. But beware, these can quickly become expensive. Bicycle insurance obtained directly from dealers can be completed, there are just three euros per month, when the all-round protection considering that security is a good investment. Retirement planning pays off For damages, which a bike rider caused by an accident, usually comes to liability insurance. It has anyway to the main insurance companies, and in all situations. But lightweight warmth, one should also not take the same approach. Promille namely access rules - that is widely known - not only behind 'm driving, but also on the bike. At 1.6 per thousand is the driving away. Moreover, the insurance will, inter alia, entitled to refunds, because a serious obligation exists. Fines of 10,000 euros can certainly be imposed. Policyholders with notice of such action, it is probably hard to have again to find an insurance policy because of the bush between the radio Insurance preventive effect.
02:59 PM, June 12, 2009
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Pension and unemploymentThe fear of significant gaps in the pension age is particularly large when periods of unemployment threaten. But the German federal pension points in a recent press release pointed out that even in times of unemployment contributions to the statutory pension insurance are paid. The Federal Employment Agency over the pension contributions previously paid about 80 percent, unless the recipient refer Arbeitslosengeld 1. At twelve months of unemployment, the average earner 30,879 euros per year (Booth 2009), with a pension of 18.67 euros per month in the new Länder and 21.25 euros in the remaining states will be adopted. The pension would be with a full salary at 23.34 euros in the new Länder and at 26.56 in the old. The permit period for Arbeitslosengeld 1 is at a maximum of two years. For the period thereafter, the only entitled to unemployment benefit I, goes by a single contribution to the pension scheme. This is 40.80 per month. Extensive consumer order to be able to advise, the German federal government pensions, a campaign launched under the motto: "Unemployed - what do I need to know?" Runs. Under the number 080010004800 offers information and advice information about this topic.
02:58 PM, June 12, 2009
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