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I need money in 24 hours, how can I?

“I need money in less than 24 hours, but it’s impossible that I can!”

Probably that was what went through your mind when facing an emergency situation that caught you totally unprepared. Obviously, to deal with it, just getting the money.

But before taking the wrong steps, the good news is that it is possible to get money in less than 24 hours.

Technology will be your main ally in this quest. As? Continue and reading and get out of the grip.

I need money in 24 hours, how can I?

I need money in 24 hours, how can I?

With the financial market offering new technological possibilities, you do not have to be in despair! Online personal loan is an excellent alternative to getting credit in just one day.

By being online, from the request to the probable approval, the process becomes less bureaucratic than asking for a loan at a bank, which makes online personal loan the ideal solution for you.

Want to know what are the steps to get an online loan? Let’s explain.

Want to know what are the steps to get an online loan? Let

Taking as an example the Financial Group , access the automatic calculator to make a simulation of the amount that you want.

The result will tell you what the value of your parcels will be and how much time you will have to pay them.

Consider if the proposal is undeniable, and if so, confirm the request by entering your personal information: name, CPF, address, contact and bank account.

Do not forget that it is indispensable to use true information .

Do not forget that it is indispensable to use true information .

  • Do I need to submit bank details when applying for a loan?

If you have questions about the security and transparency of the service provided, be sure to research more about the company.

Here we have a special article thinking about the safety of our customers.

When the credit analysis step is completed, within a few minutes you will receive an email informing you if your request was accepted or not.

If so, you will finally receive the money in your account within 24 hours (according to banking hours).

Why is it so fast? It’s safe?

cash

We imagine that of course you must have asked yourself this. And yes, it is safe.

Your bank details are required for the company to see what your account status is, but it is unable to perform transactions.

The status is nothing more than your credit score, punctuation that shows what your relationship with money is, whether you are good payer or not.

This score is linked to the CPF of every citizen, and it can vary, increasing as the consumer pays their bills on time, and decreasing otherwise.

That way, the company will know if they should trust you, and if all else says yes, the money will fall into your account very quickly!

Here at the Financial Group blog we have some articles on how to apply for a personal loan online safely, take a look and avoid falling into scams!

Renovate, refurbish, modernize – how does the financing differ?

Repainting the façade, repairing the leaky roof or insulating the exterior walls – for most homeowners, work on their own home will sooner or later come to their aid. In everyday life, the terms renovate, refurbish and modernize are often used interchangeably. But what exactly is the difference now? In order to finally find the right support for your project, you will learn in our blog post today how the three terms differ and what this means for your financing .

Renovate – beautify the home

Renovate - beautify the home

The living room can once again tolerate a new color and the painting of the window frames also needs a refresher. Optical beautification measures such as these fall under the term ” renovate “. Here, work is done that is not absolutely necessary, but primarily helps to make you feel better in your own four walls. Reason for this are usually wear and tear or the personal desire for change. Renovation works are also referred to as beauty repairs and can usually be done by any homeowner himself . These are simple works that do not require expert knowledge.

Typical renovations include:

  • Painting work, such as re-painting the facade or room walls
  • Replacement of the flooring
  • Wallpaper the walls

Refurbish – repair damages

Refurbish - repair damages

In contrast to the renovation, major damage to the house is eliminated during renovation. A repair repairs defects and restores the original condition of the building. Renovation is synonymous with the term ” repair “. For home improvements, inexperienced homeowners often need technical assistance , as the work is more complex and difficult than simple renovation. The elaborate work requires some of the intervention in the fabric of the house. Calling in experts is highly recommended here as they can help with their many years of experience and expertise, without causing any errors or further damage.

Typical refurbishment works are for example:

  • Elimination of mold
  • Replacement of defective water pipes
  • Repair of a leaky roof
  • Removal of pollutants like asbestos
  • Draining a cellar

Modernize – bring up to date

Modernize - bring up to date

Modernizing is about bringing your home up to date with a variety of measures. There must therefore be no serious damage for this. Modernization work should adapt the building again and again to the contemporary structural standards and also increase its utility value . So you can sell your modernized house more expensive than a house where only the bare necessities have been repaired for years. In addition, owners who regularly modernize their home can save costs, for example in the energy or water sector.

What includes a modernization is specified by law in §555b BGB. Accordingly, modernization measures are structural changes that must meet one of the following criteria:

  • Energy can be saved sustainably
  • Non-renewable primary energy (eg oil, coal, natural gas) can be saved or the climate sustainably protected
  • Water consumption is sustainably reduced
  • The general living conditions will be permanently improved
  • The utility value of the property is increased
  • The measures must be carried out on the basis of circumstances which the landlord is not responsible for and do not constitute conservation measures pursuant to 555a BGB
  • It will create new housing

Typical modernization works are for example:

  • Insert heat protection window
  • Replacement of a heating system – installation of a modern, more efficient heating
  • Modernization of the electrical system – installation of a smart home
  • Insulation of roofs or exterior walls

As a rule, modernizations are carried out on a voluntary basis. However, there are also modernization measures that are required by law . These include, for example, certain fire safety regulations that must be complied with.

Renovation, renovation, modernization – promotion and financing

Renovation, renovation, modernization - promotion and financing

To finance the renovation, refurbishment or modernization of your home, you can, for example, receive renovation or reorganization loans from some banks, as well as traditional real estate loans. These are regular installment loans, but these are earmarked. This means that the borrower can not freely decide what the loan will be used for. The bank has previously agreed to a loan agreement with a specified purpose. In return, the loan is cheaper than a normal installment loan.

Funding by Bank

The development Bank also supports refurbishment and modernization with various subsidy programs. It offers funding for energy renovation and age-appropriate conversion measures.

Bank promotional products:

  • Energy Efficient Refurbishment – Credit: Credit for an energetic partial or complete renovation of living space or the purchase of refurbished living space.
  • Energy Efficient Refurbishment – Investment Grant : The grant may be from private owners for an energetic renovation of living space or when buying refurbished living space.
  • Energy Efficient Refurbishment – Subsidy Construction Supervision: Grant for qualified construction supervision by an independent energy efficiency expert.
  • Energy efficient refurbishment – fuel cell subsidy: subsidy for the installation of stationary fuel cell systems in new or existing buildings.
  • Age-appropriate Rebuilding – Credit: Credit for renovations that promote living comfort or protect the house from burglaries.
  • Barrier Reduction – Investment Grant : The grant is intended to help private individuals to convert their home barrier-free and thus to increase living comfort.
  • Burglary protection – Investment subsidy: The subsidy promotes measures to protect a building against burglaries.

These products can also be used for modernization measures. Bank also supports the conversion of a home into a smart home with loans or grants. For this one can use either the financing offer “age-appropriate conversion” or “energy-efficient renovation”. With smart optimization , lighting and heating systems can be individually and energy-efficiently controlled.

Bank offers a number of loans and subsidies, especially in the area of ​​energy efficiency in refurbishments and new buildings. If you want to learn more about sustainable building , read our blog post on Green Buildings.

 

Find the right funding

In some cases it makes sense to combine the Bank promotional products. For example, if you want to refurbish both energy and barrier-free or you want to make your home burglar-proof, you can use the loans “energy-efficient renovation” and “age-appropriate conversion” together.

The funding measures in the field of ” Energy Efficient Refurbishment ” are:

  • Insulation of exterior walls and sunscreen
  • Renewal of the windows and sunscreen
  • Installation or renewal of a ventilation system
  • Insulation of the roof surfaces and the basement ceiling
  • Replacement of the heating
  • Installation of a photovoltaic system or a solar thermal system for the roof
  • Energetic specialist planning and construction supervision

The loan promotes the following measures in the areas of home comfort and burglary protection:

  • Wide paths and age-appropriate parking spaces
  • input ranges
  • Overcoming stairs and steps
  • Optimized room layout
  • Construction of a balcony, a loggia or a terrace
  • Remodeling of the bath
  • Intelligent assistance systems
  • Support from housing consultants, architects or craftsmen
  • Installation or retrofitting of doors
  • Securing windows and balcony and patio doors
  • Illumination of windows and doors
  • Installation of alarm systems
  • Installation of wide-angle spies, intercoms and video cameras

Is it obligatory for parents to pay class money?

Does the school begin and every year it is a very specific question, how much will the class money per child? Is it obligatory for parents to pay class money, or is it a deceptive and discriminatory habit of decades that can cause financial problems for most families? And if we have to pay, how can we prepare for what we can do?

Is it obligatory to pay class money? The answer is no

Is it obligatory to pay class money? The answer is no

“No money can be claimed or asked for from the parents in a legally maintained and ethically active state-run school, college, and municipal-run kindergarten”, says László Keszei, President of the Association for Children in the Capital (FŐSZEGY). Parents also pay class money (group money) if they are forbidden or exceed their financial capacity or do not see what they are paying for! But since taking class money, kindergarten group money has been a decade-long tradition in Hungary, that’s why it doesn’t even turn to parents to pay for it, ”he continues.

According to the accounting legislation, educational institutions have to give official acknowledgment of all forints collected from parents and pupils, to issue an invoice upon request, to receive money into the cashier, to be accounted for, ie, to be accounted for in every forint.

Obtaining parental declaration is mandatory (would be)

Obtaining parental declaration is mandatory (would be)

“The written statement of the learner, the child and the minor’s parent must be obtained for all kindergarten, school, and dormitory decisions from which the parent , the child and the minor, are subject to payment obligations for the parent. “

The parent may also declare that he / she is unable to pay , in which case the school must pay the claim instead.

The parent may also declare that he or she does not want to pay because he / she considers the claim to be unlawful.

Failure to obtain a written statement is a serious offense!

Public humiliation is forbidden

I think all of our school years are scarred when Pistike and Julika have not yet paid for the class money and therefore the class teacher has called for them to pay, or simply forbidden them to participate in class programs.

to pressure

When a teacher announces and votes for class money, it basically exhausts the concept of pressure, because parents are in a position of virtually ready-made, life-threatening situation, as opposing to weakening their own position before the other parents.

GDPR specifically prohibits

What we haven’t really talked about is data management issues. Namely, in the course of collecting and managing the class money, someone (s) handle the data of the parents, especially the financial records, which is considered a priority data. GDPR is also binding on organizations such as schools. Independently of this, I believe I have appointed a data controller who has exclusive access to the data and is responsible for data security.

The solution is to sign a data management statement with the parents and take the expected structural steps to prevent sensitive data from getting into your hands. From this point on, it is not the case for the GDPR, when without the explicit permission of the parents, he / she presents the class money backlog with the child before the class.

 

If we do, how do we prepare for this?

Of course, we all know that class money is basically an “institution” for our children, which includes, among others:

  • the gift of the teachers
  • part of a class trip
  • “Chalk money”

 

However, it is a problematic and extremely past practice, because the occasional money for the “unique events” is usually collected by the classes with a separate budget. In addition, many parents complain that they are paying the class money throughout the year, but the child gets sick, then he is left out of the program for which he was paid and not paid back.

 

# 1 to “pay” class money throughout the year

The biggest problem for many families is the sudden, extraordinary release. To avoid this, you may want to set aside the amount of class money throughout the year – even during the summer break. We can distribute the burden equally.

For example, in case of a monthly cash payment of HUF 10,000 (up to HUF 5,000 for up to two children), even distribution will amount to HUF 7,500 per month in the family budget.

It also helps in starting school. Another positive result of the steady distribution is that it accumulates 3 × 7 500 = 22 500 forints during the summer break, which corresponds to a minimum of two months of class money. And this framework can be invaluable for many families who start schooling alone with a material disaster!

# 2 Do not bid over class money

# 2 Do not bid over class money

A common mistake in parental communities is competition. Unfortunately, it is sometimes the parents who raise their own money for the class to show their financial situation. Unfortunately, in the meantime, they do not think of families who are not sure who they want to pay for the increased amounts. Especially for several kids.

If you make such a bid during the parenting session, then stop it calmly and indicate that it is not working because

  • there are those who cannot pay
  • there are some who have more than one child in this or other classes. For them, these costs are multiplied
  • there are those who simply do not want to pay more for nothing

Especially the middle point is well understood. Such a bidding competition is typically started by parents who have one child. Think of a child not having the same financial burden as 2-3 children. Could you have more spending with 2 children than the other parent with a child? Then ultimately who spends less on her child?

# 3 Donation should be individual and not grouped

Gifts are also used to go out of class money. Often these gifts are for the average parent

  • untraceable
  • uncontrollable
  • went into useless

So the average parent pays the bill, but doesn’t have the money and the gift at any level. It is a coarser case when the parent (s) managing the class money take gifts to the teacher in their own power, which they give to their children without the knowledge of the others in the “class name”. In this case, the transferring child and the parent are inadvertently preferred, while the others pay only the invoice in the teacher’s eyes.

It should also be borne in mind that the habit of giving presents in the life of the classes has also evolved, which means that the parents “will” take a unique gift to the teacher they want. Thus, it is a very blatant idea of ​​the class money ideology of group gift giving, which is an extra burden, but does not give any benefit to families.

# 4 Dispose of individual deposit options as an idea

Monthly payment has spread because fundamentally the class money is a bad and illegitimate envelope system. It turns out by the monthly payment if someone does not pay, who can then be put under pressure. In contrast, it would be in the parents’ interest to choose their own

  1. monthly payments
  2. and occasional payments

To precisely avoid situations that Petike gets sick, he can’t attend the event, which is covered by class money and the parent gets the answer to “not get the money back because he’ll be good for another”.

If we have the opportunity, we will try to fight for the individual deposit institution, which means that we do not pay the full amount, but we pay the share of each specific event in one amount.

Unsecured loan: how does it work and which one to hire?

Unsecured loan is one of the most sought after modalities by people. However, it is not a format accessible to everyone, as there are a few factors that are analyzed in hiring.

Loans with guarantee

Loans with guarantee

The secured loan is a condition in which you request money from the bank or financial institution by presenting a good as collateral for payment. And, in case of non-payment of the debt, the bank can claim the good provided in contract. Often people pledge land, real estate and vehicles , depending on the transaction value. However, it is important to remember that, in most cases, the goods are required to be cleared and on behalf of the policyholder.

Another type of guarantee accepted in this type of loans are the guarantors . It works when the applicant makes the loan contract on his behalf and another person accepts to pay the debts in case of default.

Although it seems invasive, it is only a way for the banks to guarantee that the debt will be paid, and so do not take a possible loss. Also, this is a better option than the policyholder needing to sell their goods to get the money they need.

The guarantee also causes banks to offer lower interest rates , as default rates will be lower. This is because the borrower will do everything possible so that the payment stays current, and thus, not lose their assets.

Unsecured loan

Unsecured loan

The unsecured loan , in short, can be understood as requesting credit and not need to present any asset as collateral in case of non-repayment of debt. However, unsecured personal loans have high interest rates and careful analysis to credit protection agencies.

This is how banks protect themselves in cases of default. That is, by making the amount generated with your interest able to pay the negative balance that the bank would have when any of the loans are not paid.

Consignment without guarantee

Consignment without guarantee

The payroll loan is a modality intended for retirees and pensioners and public servants. In this type of loan, no analysis is required to credit protection agencies. Moreover, this modality does not require guarantees for some reasons that we will quote below:

Payroll discount

The payment of the installments of the loan is automatically deducted by the paying agent of the borrower’s salary and directed to the bank. Thus, the possibility of the applicant not paying the loan installment is reduced. In addition, the policyholder is free of charge and billing.

Lifetime Income

The only guarantee of payroll, if we may say so, is the annuity of the borrower. As it is a loan made available to retirees and pensioners and public servants, they are people who have fixed income and benefits without foreclosure . Therefore, banks are not exposed to the risk of non-payment on account of unemployment of the policyholder, for example.

Margin assignable

The assignable margin is the maximum percentage of income that can be used to pay the payroll loan. This limit is 30% and is an advantage, as the borrower does not compromise much of his salary / benefit with loans. Thus, even by paying the installments of the loans, the borrower is able to pay his fixed expenses.

 

 

 

 

 

Divorce Costs – These divorce costs are financially yours

Divorce costs are composed of various financial items. These include the monthly income of the divorcing couple as well as the assets (house, land, interests in real estate or other assets). The compensation for spouses and the maintenance of custodial children is also included in the calculation.

What are the minimum costs for a divorce?

What are the minimum costs for a divorce?

Legislators have set the minimum fees for divorce under the Lawyers Compensation Act and Family Court Expenses Act. These laws are designed to prevent both lawyers from divorcing on “dumping prices” or mandating to negotiate too low a fee with a divorce lawyer.

Anyone who finds advertisements that say “cheap divorces” or “low-cost divorces” on the internet or a newspaper ad pays the fixed minimum fees. A fall below this is prohibited by law. The use of such words is legitimate, as the advertising ban for lawyers has fallen. Restrictions on outdoor advertising arise from the Bundesrechtsanwalts-Verordnung.

Note: When selecting a foreign divorce lawyer, it must be ensured that he provides proof of the ability to act on German territory.

How is the process value for divorce determined?

How is the process value for divorce determined?

For the value in dispute (method value ) the monthly net income of the spouses is summarized and then multiplied by the value 3. Furthermore, a credit of 10% of the existing pension equalization takes place.

Example calculation for the divorce costs

  • The spouse earns a monthly net income of 2,500 euros and the wife of 1,600 euros. This results in the following procedure value in the first step:

4,100 x 3 = 12,300 euros

If one of the two spouses refuses to indicate their income, an estimate is made by the divorce court. As a result, the procedural value is generally higher than the real income of both spouses.

  • In the second step, the supply equalization is used. If the spouse and the spouse have a pension of € 10,000 each, both married couples collectively receive a value of € 20,000. Here the court counts 10%.

The total amount is 14,300 euros, which is 12,300 euros net income and 2,000 euros compensation.

The divorce court (family court) increases the value to be awarded if two divorce lawyers of the clients to be represented determine different procedural values. In addition, the court has the right to seek assets, even if the spouses are uncontroversial on this point.

Which values ​​are still decisive for the calculation of the divorce costs?

Which values ​​are still decisive for the calculation of the divorce costs?

A procedural value increases as a result of other controversial situations, such as spouse or child support, a shared condominium or other assets. If the spouses have a separate predisposition in their marriage, each spouse will only take what they have earned or acquired before or during the marriage.

Increasing effect also the child benefit and the child support or parental allowance for the parent who relates it.

Reduce the amount in dispute if existing loans are repaid. However, this benefits only the spouse who has concluded the credit agreement.

There is a misconception that in marriage both partners are liable for the other or gain advantages. Only a jointly concluded loan agreement can reduce income in equal proportions.

What happens if there is no income and assets?

What happens if there is no income and assets?

Social benefits such as social allowance or unemployment benefit or Hartz-4 are not recognized as a value in dispute. If both spouses are in receipt of social benefits and there is no pension equalization, the method value amounts to € 0.00.

Note

If both spouses disagree, each spouse is required to secure the funding of a divorce lawyer:

  1. The lawyer estimates at least 15 euros for the initial consultation according to statutory ordinance.
  2. Up to a procedural value of 3,000 euros, the legal fees per attorney amount to about 621.78 euros.
  3. In addition, there are 216 euros court costs.

Total: 837.78 euros

If the value of the procedure is less than € 6,000, the legal aid is usually granted and the costs of divorce are charged to the State.

Who pays for the divorce costs in advance?

Who pays for the divorce costs in advance?

Each of the two couples is obliged to pay for the initial consultation immediately. If, as a result, actual divorce occurs, a divorce lawyer makes the procedural fee and the on-time fee when submitting the divorce petition to the competent court. These are then lapsed if the client is granted a procedural cost subsidy.

How much does an expert / assessor for divorces cost?

How much does an expert / assessor for divorces cost?

In a few cases, spouses face serious disputes over assets. Especially for luxury goods and real estate, for which the divorce court appoints an expert or appraiser. The financial compensation results from the regional compensation, the asset, expenses and value added tax. There are specially experts or appraisers for each industry. As a rule, a real estate appraiser is not allowed to act as a car expert unless he has special training.

In divorce and family law negotiations, medical, pedagogical or psychological assessors who assess the best interests of the child are used in individual cases. This occurs when, for example, one of the two parents applies for sole custody and the other parent objects. The costs are charged to the parent who launches the appeal.

Each spouse has the right to commission their own expert or appraiser in advance, but bears the full cost of this alone.

An expert or expert will be rejected by the court or the opposing party if there is a reasonable suspicion of bias.

Facts at a glance:

  • Minimum fees are governed by the Lawyers Compensation Act and the Family Court Law
  • The method value is calculated from the monthly net income of both spouses and the asset equalization
  • Other economic assets have a negative or negative impact on the method value
  • The method value is set at € 0.00 if both spouses neither earn taxable income nor own a fortune
  • solvent spouses have to pay in advance for legal fees and court costs
  • it is possible to appoint experts or appraisers of one, two or the court
  • the costs are to be borne by the principal or by the petitioner, who appeals against a countermotion

What does (kind) unity and disagreement mean in a divorce?

If both spouses fully agree to the divorce, there is a friendly agreement. One of the two spouses submits to a divorce lawyer for divorce. The other spouse signs that the divorce is mutually agreed. The legal costs both bear equal shares.
– Unless one of the two spouses agrees to pay the full cost of the divorce. This makes sense if only one of the spouses has achieved a monthly net income or one of the two has a low income.

The commissioned divorce lawyer immediately requests that the court reduce the divorce costs by 25% and reduce the procedural value accordingly. The court does not have to grant that and can fully credit the procedure value. These are absolute exceptions. As a rule, in the case of a consensual divorce, the court follows the legal value of a lawyer.

Comparison of consensual and unanimous divorce:
If spouses dispute the consent of divorce and assets, significantly higher legal and court costs are incurred. In addition there are costs for experts and appraisers, as well as child maintenance and other factors. With a friendly agreement on all costs of divorce, the costs are lower and the divorce process is completed faster.

Is a lawyer’s office obligatory?
In front of a family court, which is responsible for divorce proceedings, the representation by a lawyer is necessary for at least one party. This does not mean that he / she may stay away from divorce during divorce proceedings. The other spouse may waive legal representation. In this respect, a divorce without a lawyer for a page is possible. This makes sense if both parties divorce by mutual agreement.

Facts at a glance:

  • The consensual divorce is cheaper and faster to perform than a disputed divorce
  • Procedural value of a consensual divorce is reduced by up to 25% by the divorce court
  • Divorce without a lawyer is possible for one of the spouses if divorce is by mutual agreement

Divorce costs and the tax

Divorce costs and the tax

Until the income tax return in 2012, divorce costs including separation and child maintenance were deductible as a special burden. At the beginning of 2013, the legislator ensured that the financial expenses incurred for a legal dispute were no longer deductible. The only exception: the taxpayer got into an existential danger as a result of the extra effort and can no longer guarantee the vital expenses as a result.

Divorce costs are in no way equivalent to other litigation costs (legal costs). In a divorce, at least one of the divorced spouses is dependent on the representation of a divorce lawyer before the family court. Similarly, in many cases, expert’s fees are not averted, which is why they represent a special financial burden. The decisive factor is whether one of the two spouses instructs the appraiser himself or is appointed by the court. There are no costs incurred by the couple if a judge obtains an independent assessment from external specialists.

A divorce is always to be carried out before a proper family court. Accordingly, there is a legal compulsion of the financial extra charge for the divorced couple. The resulting costs by the legislature jeopardize the existence of one or both spouses, depending on income. Accordingly, all “ancillary costs” that are not necessarily caused by the family court should not be deductible. These include separation and child maintenance, profit sharing or follow-up procedures that do not directly affect the divorce proceedings.

A divorce is partially tax deductible, as long as it is only the necessary costs for a divorce lawyer and the fees charged by the family court. If a tax office rejects this deduction in the tax return, the taxpayer has 30 days to object.

Facts at a glance

  • Since 2013 divorce costs are no longer deductible in full
  • Several judicial rulings by financial courts indicate that the minimum costs for a lawyer and court are a particular burden
  • There is a legal compulsion to divorce before a family court, which causes additional costs

Financial help with the divorce costs

For a spouse with low financial resources, there are two ways to secure the costs of the procedure :

  • Advance of procedure costs ( process cost advance)
  • Legal aid ( legal aid )

The economic help depends on the assets of the other spouse. As a priority, the advance payment of the procedural costs must always be applied for . In doing so, both the assets and income of the applicant and the spouse to be divorced are determined. If the court finds that divorce costs are unreasonable for one of the spouses, the other spouse must provide a procedural advance.

The advance payment of the procedural costs must be made to the first counseling at a divorce lawyer. This determines the value on the basis of the method value and transfers the determination to the competent family court. The court is entitled, if all documents have been thoroughly examined, to issue an interim order. Thus, the family court ensures that the applicant can legally claim the advance costs from the spouse. This is possible even if he refuses to provide information about his assets and income.

The solvent spouse, who has to pay the procedural advance by interim order, may apply for a payment in installments . The advance payment must not lead to any existential hardship. In this case, a family court grants installment payments and sets the monthly installments.

Procedural advance by relatives

Needy spouses who are unable to cover the costs of divorce often enter into dialogue with liquid relatives. Another option is instant credit for divorce costs.

The legal aid (Legal Aid / PKH) is a state judicial loans. In family matters, all persons who have reached the age of 14 are admitted to the application. A PKH covers only the fees for a lawyer and the resulting court costs. All further costs for a specially commissioned expert or expert are to be borne by the PKH recipient himself. Depending on the future economic existence of the PKH beneficiary, the legal aid will be granted with or without reimbursement. If necessary, the applicant must, if so ordered, file a sworn statement valid for three years. It is necessary to disclose all income (also foreseeable in the future), profits, assets and cash benefits of third parties.

Note

Attention to legal expenses insurance
If there is a legal protection insurance, legal aid will only be granted if the policy expressly excludes all or part of the divorce costs.

The billing of the lawyer fees takes place when the legal aid is taken over the state treasury. The fee is reduced as a result of a direct fee agreement with the client. Further claims by the lawyer representing one of the spouses in the divorce are still admissible. However, only if the client uses additional legal assistance that is not covered by the legal aid.

The leaflet of the legal aid expressly states that a form for the Beneficiary must be completed for any material change in economic and / or personal circumstances. The self- assessment must be submitted to the competent court cashier without delay. This results in the repayment of a PKH an adjustment of the information already provided. As a result, monthly repayment rates can be increased or decreased to a maximum of 48 installments.

example
If a spouse receives a legal aid with repayment due to her low income, this will be repaid between five and 48 monthly installments. If there is a financial improvement in the repayment period, the form must be collected, completed and submitted to the competent court cash desk. The court then decides how far the future installments will increase each month.

Facts in detail:

  • Advance payment of legal costs must be applied for before legal aid
  • Financial assistance is available on request from relatives or through a quick loan
  • Legal expenses insurance check to what extent divorce costs are covered
  • Any material change in financial or personal circumstances must be indicated or submitted with PKH authorization

Extra-economic help with divorce

Extra-economic help with divorce

Free counseling centers for women and families help with divorces. The same applies to spouses and fathers in order to safeguard their rights and promote dialogue between the departing spouses. In hardship cases of a divorce, where there are serious disputes and the child’s welfare is taken into account, the local youth welfare office is available as a guide.

Fitness apps: Counting steps saves money

Fitness apps and bracelets come: First insurances offer benefits for insured who submit transaction data – but there are concerns

Do you already have one of the more and more popular fitness bracelets?

Do you already have one of the more and more popular fitness bracelets?

More and more people count with the ribbon or with a pedometer app on the smartphone, draw their movement data and monitor their fitness. Anyone who wants can now get rewarded more and more often by the health insurance – according to the motto: Who does something for fitness and can prove that, should also benefit!

Sticking point: With the private health insurance is common that the tariffs increase with the illness risk: Who is older, smokes or has pre-existing conditions, must pay more. With the statutory health insurance companies such a linking of health risks with the contributions is forbidden. Nobody should be discriminated against.

 

Nevertheless, the first statutory health insurance found ways to reward the proven fitness activities:

Nevertheless, the first statutory health insurance found ways to reward the proven fitness activities:

on discounts and bonuses. The insured person pays the same contribution as everyone else, but then later receives money or other benefits if he proves with the fitness bracelet or the app that he has achieved his movement goals.

For example, the insured can earn points at the AOK Nordost with the fitness app “FitMitAOK”. For example, there are points for the following transaction data …

  • if the pulse works at over 110 beats per minute for at least 30 minutes,
  • if it consumes at least 150 kilocalories within 30 minutes or
  • At least 10,000 steps are taken within 24 hours.

The app transmits the points to the health insurance companies. There are then, for example, discounts at partner companies, premiums such as sporting goods or cash. Premiums equivalent to € 375 should be possible.

Other insurance companies are also planning special rates for term life and occupational disability insurance and linking to other data. An insurance app records not only transaction data, but also shopping in the supermarket. Those who resort to healthy food get benefits.

Whether lucrative special rates and bonuses for the users of fitness trackers will prevail, however, is open. There are mutliple reasons for this:

  • Data protectors are concerned because it is sensitive data that could cause the insured to lose control if they pass it on.
  • Federal Justice Minister Heiko Maas (SPD) has already stated in a newspaper article against using fitness trackers to offer special tariffs.
  • And not all insurance companies are convinced that rising health care expenditures can be reduced by promoting the movement.