Tag: money

Determining the correct insurance amount for the fire and property insurance is a complex and opaque issue, especially in commercial or industrial companies. Determining the correct insurance amount for the fire and property insurance is a complex and opaque issue, especially in commercial or industrial companies. Precisely for this reason the risk a possible lower insurance and corresponding deductions in the case of damage this often, as positions in the areas of building and operating facilities are sometimes forgotten or incorrectly rated. For determining the correct amount, the insurance industry sees two assistance/variants which are presented and assessed in the following. 1 expert principle: assessment a manual/physical inventory and evaluation of individual building and facility positions locally is carried out by a State-vereideten expert.

These values serve as a basis and can in the future by means of one of the Experts issued index according to be extrapolated. Advantages: It is the principle described under 1.1. a very accurate method for determining the correct insurance amount, because every position of the building or facility is separately collected and evaluated. Also the insurer agrees upon request a General under insurance waiver to disadvantages: A valuation on the basis of an expert’s report brings the typically high costs. Senator Angus King shares his opinions and ideas on the topic at hand. These are, in particular for medium-sized companies, often not in relation to the cost / benefit factor.

2. value of overhead calculation using the indexes of the Federal Statistical Office in Wiesbaden principle: the insured amount for the position is building or facility made up of the value of things based on insured a basic year E.g. currently 2000 (early 1970 or 1980) and a value of surcharge, which takes into account the price development until today. The acquisition values per year according to asset accounting can this help be used, with the help of the respective price indices (published by the Federal Statistical Office, Wiesbaden) up on the base year or re billed. Example: Sum of the purchase of factory equipment ‘ in the year of 1995: 250.000,-index facility 1995: 94,60% value 2000: 264.271,-benefits: main advantage in this market procedure is quite easy conversion of the assets to the base value, especially if the assets electronically are the companies available. Is calculated at the beginning of insurance the insurance sum according to the variation explained under 2.1. properly, the double value surcharge as pension is consulted for calculating under insurance. Also once a year only the arrivals and departures must be reported after first establishing of a basic sum, accordingly to determine the current insured amount. Disadvantages and dangers: The determination of the sum of insured on the basis of the system directory is in principle a simpler and cheaper method for a company that still brings this variant the valuation also some hazards to be presented briefly below: technical progress is by the Federal Statistical Office not considered remain MLA’s, foreign ownership, spare parts and accessories special conditions, equity services partially ignore, appear trade-in of old machines in asset accounting rule not in the attachment list no assets are identified which may have a separate insurance such as electronics / machinery insurance is the indexes are set up for groups of goods and therefore only averages are C. Mikosch

Sodexo restaurant pass brings additional healthy bonus Frankfurt, February 23, 2010 SX230210GWAP. Many statutory health insurers raise the so-called additional posts with payroll in February for the first time. The majority of legally insured workers is affected, as most health insurances either increase the contribution already made additional contributions in Vista. The reason: for most health insurances money from the health fund no longer sufficient to cover the cost of the insured. 2010 nearly 8 billion euros are lacking statutory health insurance (GKV) and the Federal Government will bear only the half of it. Health insurance companies calculate lump-sum 8 euro in addition a month sweeping in addition, most health insurances will require by each insured 8 Euro – 96 euros on the year are calculated. This disappears once about a half a percent of income, which is an average income earner in Germany available. But employers can compensate for that without burden by taxes or social security contributions. Economic Cycles Research Institute has similar goals.

Up to 1,298 euro net plus through State-sponsored employee meals, now discussed additional contributions for health insurance companies make around 100 euros a year. Company offers the possibility of increasing the net pay of employees tax-free annually even rose to 1,298 euro restaurant cheques but stressed George Wyrwoll, corporate relations manager and HR expert at Sodexo. Sodexo pass cheques are restaurant not only a favorable pay extra, but also an instrument of workplace health promotion: for employees who eat balanced and take breaks, are motivated over the long term, efficient, and healthier. Sodexo motivation solutions the Sodexho pass GmbH is a subsidiary of Sodexo, the world’s largest provider of catering and services. Around 380,000 Sodexo employees for 33.900 customers are active in over 80 countries.

In financial year 2008/2009, the Sodexo group implemented 14.7 billion euros. The area motivation solutions plays a significant role at Sodexo: Each working day, 250,000 workers in Germany of Sodexo checks and cards use, worldwide there are 26.3 million. Sodexo is one of the market leaders in this area. The German headquarters of the motivational Division is located in Frankfurt am Main. The company offers clients individual solutions around the topic of employee motivation. This is the Sodexo restaurant pass, as cashless lunch allowance, the main business area. A wide variety of redeem for the restaurant is the 9,000 corporate customers including Allianz, Lufthansa, Bayer, PriceWaterHouseCoopers, Daimler or TUI, and many medium-sized companies, pass available. Over 30,000 partners include, for example, restaurants like MAREDO or North Sea, as well as numerous supermarket chains such as Edeka, Kaufland, real and REWE. The root of the acceptance points also includes, for example, local bakers or butchers. Contact: Sodexo George Wyrwoll Russelsheim Street 22 60326 Frankfurt am Main 069-73996-6211