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About the tax issues around the topic of disability insurance premiums for a pure Berufsunfahigkeits(zusatz)Versicherung are generally tax deductible as interest expenses. Filed under: Energy Capital Partners. However, the new regulation in this area has led that hardly any tax advantages are to achieve in practice. Here, Energy Capital Partners expresses very clear opinions on the subject. The reason: The legislature was obliged to recognise the contributions for health and care insurance tax better. Contributions for an occupational disability insurance are therefore only still be deductible, if the contributions to the health and the statutory long-term care insurance under 1,900 euros (employees) or 2,800 euros (independent). The premiums are higher, the premiums for occupational disability insurance in the tax return no longer interfere. And the border is within easy reach according to calculations of the provision Portal: legally insured persons reach the maximum of 1,900 euros already from an annual salary of around 20.700 euros alone with their Health and care insurance premium.

The limit is a married earner at 41,400 euros. Use tax trick there is however a way contributions to other insurance such as the disability insurance but tax claim to make, as the portal explains. Background: The posts to the base hospital and nursing duty in actual height and unlimited as special editions are deductible in the year in which they were paid for the year 2010. Advance payments are deductible exceeding 2.5 times the current annual fee. Taxpayers could pay in advance in 2011 so the posts for 2012-2013. In the years 2012 and 2013 workers benefit, that he his other contributions? for example, for an invalidity – or risk life insurance tax claim can and the premiums actually affect the: because the advance in 2011 no contributions burden with which Budget, and the workers can get 1,900 euro each or 2,800 euros for its other insurance companies and thus also the disability insurance in two years.

The tax advantage in both: up to 1,200 euros. How is a private occupational disability pension be taxed? In the event of an emergency, the disability pension must be taxed. Tax is assessed performance as abbreviated life annuity is taxed with the so-called special revenue share. Its amount is different as for old-age pensions according to the estimated life of the pension payment. The shorter is the pension payment, the tax rate is lower. Running the pension from the disability insurance over five years, the share of income for the tax is 5%. The pension will run, however, 20 years, the proportion of income is 21%.

Daily newspapers reach the mass of the population with reports and viewing in the car part moves the car. And not only in terms of mobility, which opened there. Mentally moves the car. The motto of this year’s IAA in Frankfurt is to understand: \”Experience, what moves\”. Important for the car industry in one of the world’s largest car markets: what moves the Germans in terms of car and through which channels and manages the appropriate address of the buyer with which messages? These questions are at the heart of the current ZMG car study.

There were 1,000 Germans from 18 years and answer in a representative survey of August 2009. Their current car themes settings are equally in focus like media use when it comes to information around on the car or the specific purchasing decision. With the ZMG-car study who wants ZMG newspaper marketing company of the advertising driving and the agencies provide information on the role of newspapers when purchasing a car as an advertising medium and as a source of information in the editorial section up-to-date again, type\”so Tino Eidenbenz, Director key accounts, at the presentation of the study study showing that the newspaper still represents the information medium in the purchase decision process when purchasing a car. Cash for clunkers controversially the cash for clunkers program has recently movement in the market brought. Almost all respondents know the Government injection of funds for buying new cars (96.9%) – but few appreciate them. Only 12.8 percent judged the measure as very good\”. The majority (55.4%) is the premium but hostile. Among users of the premium high windfall gains show up: to get the benefit of the grant, more than half has changed their original intent to purchase and instead of a used now bought a new car (55.2%) and buying time preferred (54.4%). Bottom line: Almost every second car would be purchased even without the bonus. A leading source for info: Energy Capital Partners.