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I look at times like

the Schuldnerberator on RTL. Among the people the debt to be added Revenues and expenditures are compared and then searched for a solution. usually goes all out pretty well.

And then I had a question: how about time someone adds up all the debts which a student, when he finished the university have? Is clear, then you only pay for half the state aid for education must be returned, but the other half you had to be won again. And if you have time needed more time to study, then you have to credit transfer. It is indeed a degree help in 15 § is seeking financial aid, but nothing more than interest-bearing loan. And it means the debts are becoming more and more.

And then you hope that you find the work that the repayment possible, otherwise even the immediate debt counselors are called.

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Halle introduces new tariff level NK bonus with guaranteed repayment at a hair transplant

In a recent blog post to have rebates I already explained the different models. Since there are in addition to performance-based pay (which can be just deleted also ) also models with guaranteed, that is contractually agreed repayment.

are known, to name a few, here are the rates at that Zurich Insurance (DKV today) with the M4-BR4, the Hanse Merkur with the ASZG, Gothaer with a kind of health bonus and rates for the Munich club . The Halle's health insurance has the bonus Primo is already such a tariff level in Program.

now leads the Halle medical insurance also in their "TopTarif" NK such reimbursement. As a new tariff level to the tariffs of the NK NK introduces bonus. The insurance conditions are found to be the following rules:

first Bonus

Collective stage NK Bonus pays policyholders for each insured person for each insured month in the Insurance Coverage for NK bonus is, a bonus of 60 €

- is this a maximum bonus of 720 € per calendar year per insured person . Der Bonus wird monatlich auf ein Konto des Versicherungsnehmers ausgezahlt. Voraussetzung für die Auszahlung des Bonus ist die Bezahlung des Beitrags per Lastschrifteinzugsverfahren.

Werden Rechnungen zur Erstattung eingereicht, wird der gesamte jährliche Bonus von 720 € auf den Erstattungsbetrag angerechnet . Dies gilt auch, wenn die Versicherung nach NK Bonus vor Ablauf eines Kalenderjahres endet. Beginnt die Versicherung nicht am 1. Januar eines Kalenderjahres, so ermäßigt sich die Anrechnung für dieses Jahr um jeweils 1/12 für jeden Monat, in dem die Versicherung noch nicht bestand.

sounds great, right? Even before the health insurance contribution of 60 EUR get reimbursed, is certainly a charming idea. Especially for workers makes this as part of the employer contribution and the positive use of same is noticeable, you might think.

The problem in fact lies in the details. By guaranteed repayment also decreases the amount eligible for tax and it will recalculate the payroll tax or an additional payment if necessary. Therefore, this aspect should be considered before the one just on the other hand there is the drawback out, if freedom .

Here are the rates in the same self-involvement levels as the NK collective be present. Ie 0, 300, 600, 1,200 and 3,000 EUR.

Let's look at the pure premium (without a legal contract) times in the different models here:

(NK old deal, each age 30, male / female):

without excess: 419.29 EUR / 499.73 EUR 300 EUR

SB: 333.65 EUR / 443.57 EUR 600 EUR

SB: 279.21 EUR / 396.11 EUR

NK bonus of 720 EUR Bonus: 345.83 EUR / 460.95 EUR

posts each at 30 08. 2010 and likely without the Premium increases in 2011

In comparing the rates should also be taken into account that initially up to the amount of 720 EUR (Bonus Allocation) no bills can be submitted and it makes no sense. Given the agreed excess is expected to do so.

Again (as always):

The refund is not an argument for or against a collective . Whether guaranteed refund and / or bonus performance, or performance-related premium refunds, they are always paid only for freedom. And Health insurance is not for the time where you do not need benefits, but if you need them.
So my tip! insurance comparison worth it!!

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The best way to make your own hair permanently recover and not lose, offers hair transplantation. The Svenson Hair transplantation has come through surgical hair the most advanced solution to be back to full head of hair.

This surgery is used only as hair, so no problems with rejection of the newly transplanted hair. The procedure takes only three Hours and performed under local anesthesia, so it is no hospital stay required.

This procedure is recommended in cases where adequate medical or cosmetic methods of treatment, can not or are not applied in time.

How Svenson Hair Transplantation exactly does:

Initially made a careful examination of the patient and created an overview of its clinical development. Can be determined whether the engagement of the hair transplantation is feasible or not.

Is the intervention feasible, then the area is determined, which is to be transplanted.

During the procedure, which takes about three hours, the surgeon takes under local anesthesia always small hairy skin fragments from the rear head and planted it in the recipient area. The donor area is therefore usually at the top rear part because the hairs are usually coded genetically so that you are a life long endure. In the transplantation of the angle and direction of the own hair will continue to maintain in order to achieve an aesthetic appearance.

begins after the Svenson hair transplant after an adaptation period 2:00 to 5:00 Months for the normal growth of hair, these retain their original features remain.

by new demands and the added experience gained from a variety of cases, the research and development work at Svenson in the last decade has intensified further and developed new methods or technologies.

This can be hair transplant now in places that were unthinkable a few years ago. Sun hair transplants are now possible, for example, also on the eyebrows or the beard.

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car insurance shop for car insurance bond worth?

In comparison with other policies including motor vehicle insurance to the kompliziertesten Versicherungsformen. Bei Autopolicen stehen Verbrauchern für die Zusammensetzung des Versicherungsvertrages mehrere Möglichkeiten zur Verfügung, die sich aktiv auf den Preis auswirken. Oft wird eine Kfz Versicherung besonders günstig vergeben, wenn sie mit einer sogenannten Werkstattbindung ausgestattet ist.

Durch die Werkstattbindung verpflichtet sich der Versicherungsnehmer im Schadensfall nur eine bestimmte Werkstatt aufzusuchen. Die Werkstätten, die konsultiert werden dürfen, sind mit der jeweiligen Assekuranz abgesprochen. Der Rabatt, der durch die Werkstattbindung bei der Kfz Versicherung entsteht, kann auf die Kooperationsverträge between insurance companies and the workshop will be returned.

Special rates of this type are in the majority of consumers very popular as they are identified with a single service. According to a survey by the IMWF would be 82 percent of policyholders, who already have a collective bond with workshop, to recommend the special rate. For such a contract chooses a poll conducted about a third of policyholders who enters a car insurance new.

When selecting a car insurance i st not just to the Police Package crucial. Recommended in principle, a comparison that can identify through which low rates for their own use.

Help in place, comparisons and tips

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Private health insurance: private health insurance can save money by changing

In January 2010 have increased their contributions many PKV insurance for private health insurance and thus provided them with anger at their policyholders. Up to 80 € the contributions were raised.

One bright spot for private health insurance policyholders, however, that such a premium increase does not just have to accept Sun If the private health insurance contributions increased so can those insured by their special termination rights. Besides the possibility of the private health insurance to switch insurers, there is another way of tariff changes within the private health insurance.

According to experts, the Journal "financial test" is often a change of tariff at the existing private health insurance insurers a better alternative than a move to another private health insurance provider. Keywords are the age provisions.

A change within the same company, the insured may bring his previously accrued retirement provisions, they will then be transferred to the new schedule in which this will be more economical overall.

situation is different when you move to another private health insurance provider, in this case, the age provisions lost. However, this relation is always the case, many factors play a role in why you should always compare exactly.

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get private health insurance benefits change

Stiftung Warentest points out that the change within the private health insurance can be associated with significant advantages. Moving to a new provider, is often difficult, but the change to a different tariff for the same provider is absolutely possible. A new test, the health insurer in this case only then ask if the new tariff offers more benefits than the old.

Since the companies themselves alternative and cheaper rates for customers tell rarely offers the Stiftung Warentest all change possible Umsteigetarife interested in the individual insurers. Since the review is individual for each insured, is a concrete contribution, provided not possible, but changing existing customers pay will be less than new customers.

With the help of a questionnaire the insured on the website of the foundation Warentest specify which services are important to them in the private health insurance and how they can do without. These concerns include the question of single-vs. Shared rooms, refunds vision aids, dental care, etc.

Stiftung Warentest also points to a ruling of the Federal Administrative Court, after which neither increases nor a high additional health check without improved services Neutarif with an internal change not allowed are (ref. 8 C 42.09).

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Stiftung Warentest warns of net insurance

Stiftung Warentest warns of life insurance, which presents the representative for completion and distribution costs, a separate bill. Common is that acquisition and distribution costs may be included in the insurance premium, in some policies but these costs are related not only separately but completed two contracts. This is for example in the policies of PrismaLife and Atlanticlux the case.

means for the customer so that he, the acquisition and distribution costs paid in any event, even if the insurance contract prematurely terminated. By law, a notice may, however, draw any more costs for security. Therefore, the district court of Rostock also decided in favor of a customer to pay the fee in the amount of 8500 €, although he was terminated after three months of the insurance contract (Az: 10 O 137/10). The verdict has been appealed.

are separate development, the net costs of such policies are often much too high, insurance expert Michael Wortberg warning from the Consumer Central Rhineland-Palatinate.

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car insurance: repair cost insurance with Generali

In Austria, the Generali insurance at the first insurance company to repair insurance costs. While car owners in Germany were so far in vain for such insurance, may Austrian car owners in future due to protect against the cost of repairs.

The new insurance coverage for Generali to customers February 2011 available. It can initially only be claimed by private comprehensive insurance customers. For 7 to 11 euros a month, Austrian motorists can protect against unforeseen repairs next year.

The repair cost of Generali insurance can be provided with an individual deductible. The insurance coverage will step in, for example, if the alternator of your car blesses the temporal or there is a failure of the electronics. Generali has provided the repair cost insurance with various restrictions.

As part of the insurance cover will only repair costs of up to 2,000 € per year acquired. At the conclusion of their car insurance may also not be older than six years. An insurance trade is only possible if the vehicle has 120,000 km are highest on the Taro. From coverage all services provided and parts are excluded. In addition, customers of the Generali provided service intervals specified by the vehicle manufacturer.

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kukushka79 @ 2010-10-31T14: 51:00

would Sometimes I change my life happy, but I lack the courage to. Or am just too lazy. However, the second half could play a role in the change alone would make much easier.

other hand (horrible word) I am hundred percent sure that a change I can make tomorrow. Namely emigrate to Morocco. Unfortunately I currently do not feel like such a big step. And so everything remains as usual.

Hope someday find the motivation and will finally come forward with a diploma. It is about time ...

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kukushka79 @ 2010-10-14T23 : 05:00



A year ago, or even two years, I have a story translated into Russian. And today, a collage was created to do so. am very proud and pleased me tell everyone that. Translated

I had "rat traps" by Shadowmoon

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press and we

lo and behold, what there is nothing for us to make life easier and more fun, much of the environmental screening . We eat genetically modified fruits and vegetables and find it good. Frankly, all that would eat into the present is a product of genetic mutation and evolution, therefore, all has been genetically modified. Consider a box of apples from the supermarket. Can we find two different? Very difficult. Usually they are pretty much the same and differ most in size, but the smell of apples who love and appreciate everything as is, unfortunately, gone. What now? Plant itself? As large and medium city person, it is quite difficult and very costly. So, to cross it and do not think to. The interesting thing is if you present people a "genetically modified" corn on the cob, hot then it would be "the rape of nature" and what I know. But where is the difference? Both have been manipulated - such as apple and corn.
You could also switch to organic-only products, but where is the guarantee that they are truly "organic", as we imagine it? Furthermore one has done countless studies and has become not always behind a lot smarter, as before. And now? If we bring ourselves to? That's obvious! And quite a long time. But man does not give up so quickly and will fight to the last. The estimated very highly of him - the fighting spirit.

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So, I know I have not written anything about WM, but I'm here with heart and soul. And of course I could not look over, let alone to sit quietly and do not have to tell all. Genisst it just as I enjoyed it and have fun :-)

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Hurrrraaaaa!

It was a beautiful game! Frankly, I was a bit skeptical about the crew, of all against Klose, but I have to give right Loew times. It was great!

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It's super!

all who have not seen or heard, should do it now. It is to laugh dead and very positive.

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kukushka79 @ 2010-05-10T15: 27:00

Уже пять часов подряд читаю ЖЖ одного очень интересного rights. elegantchikova If I did not kick, and I'll read up blue in the face, well, or until the record does not end))) and I forgot about the famine, and the fact that no matter how need people to make cards, and the fact that next week to pass math. Ugh, went on to read:)

Bin schon seit fünf Studen beim lesen. Habe einen sehr interessanten Menschen gefunden. Habe alles vergessen und sitze nur rum und lese. Wenn mir jetzt keiner den A. .. tritt verpassen wird, dann werde ich noch bis Morning sit. Have already hungry and must go into the small room, but I can not stop :-)

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kukushka79 @ 2010-05-08T01: 15:00

Somehow I always feel like writing something here. Perhaps it is because today I drank a pretty good wine, and now a bit angeschwipst (read it like that?) Am, or that I feel the need to write something in German, who knows.

Anyway, I have news. On 27 April we have our standestamtiche marriage and everything went really well! Sorry we could not afford a photographer, but the photos are good but become

:-) Would love in the next Eintrag ein paar zeigen, aber muss dann wissen wer sie sehen möchte. Meldet euch, wer mich zu Gesicht bekommen möchte * ganz laut lach *

news I got: April 27, we got married in a registry office and now, and before the law is the husband and wife. Mean in the next record to put a couple of pictures. If anyone wants to see me, almost live, otmechayte to able to open your account:)

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kukushka79 @ 2010-05-07T09: 03:00

* ganz laut heul * Es scheint so, als ob ich mich zu früh gefreut habe. Mit München is not it. Too bad, very, very bad ... What will probably need something else. You only think about what. In any case, thank all the authors, whose stories I could translate and send the links. I also have not gotten ...

And now waiting for me the worst woman in the world - mathematics! My brain turns off immediately when I open my lectures, but since you have to by (((

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is coming soon and I drive the first time in Munich! Looking forward'm unlikely and very excited. Do not now learn "moin "to say:-D The first difference I've noticed is in the documents." bread "instead of" bun ":-D
Hope this Weather will play with and we will be able to enjoy the day.

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scholarships for women - doktorandov with children.

Hello dear friends.

I apologize for a long enough break in the posts. Sorry and all who waited so long for my reply to their questions.

proceed. In order to qualify for the scholarship, which will be discussed today, you must first enroll in a doctoral program of German university and engage in one of the experimental topics in the field of natural sciences. This scholarship, unfortunately, does not cover all living expenses, but could have a sizeable support.

Scholarship Fund Christiane Nüsslein - Volhard-Stiftung offers scholarships to women scientists who can not engage in scientific activities because of the need to care for children.

When issuing grants citizenship and nationality are not counted. The scholarship is 200-400 euros a month calculated on the contents of baby-sitting.

Deadline: annually until December 31

Document Requirements

- the completed form, which You will find here
- 2 letters of recommendation from a curator and teacher of German university (
advice on writing this letter to you found at the fund)
- a copy of the certificate (with translation)
- copy of diploma (with translation)
- copies of other certificates and diplomas of your university (if there)

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Stipeniya Felix Klein, for students of mathematics

Hello, dear friends.

Centre Felix Klein in Kaiserslautern each semester provides a variety of scholarships to citizens of Germany, the EU and foreign students of mathematics. We, of course, primarily interested in scholarships for international students.

Requirements

- be enrolled in a Masters course in mathematics of the Technical University Kayzerlautern
- have a good bachelor degree (and / or a fine study at the Technical University
Kayzerlautern)
- high social or any other positive activities outside the university

Stipend

- 500 Euros per month

Duration Scholarships

1 year with possibility of extension (depending on the course)

Deadline

year until May 31 for the winter semester and before 30 November for the summer semester

list of documents and more information on the scholarships can be found here.

Dare!

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germaster @ 2010-03-19T12: 00:00

Hello, dear friends.

Today there will be about education in Switzerland. The Swiss Government offers foreign citizens to receive a master's degree in one of its universities on scholarships. For each country has its own rules of admission documents and requirements for applicants. About these requirements, you can find the embassy of Switzerland in your country.

Part of these requirements for different countries described here.

Nevertheless, there are more or less general requirements. After studying them, you'll understand if you should contact the embassy.

Requirements

• possession of a diploma, not lower than bachelor
• applicant must prove their academic abilities and describe the purpose Education
• in advance to get permission to study and / or consent of professor from Switzerland to coaching
• age to 35 years (by year of birth)
• possession of a sufficient level of one of the languages (French, German, Italian or English)
• This scholarship should not be combined with other scholarship.
• those who already has one graduate course in Switzerland, the scholarship does not rely

Scholarship is usually issued for one academic year - 9 months. (Maximum of 2 years for master's courses)

Stipend

CHF 1920 .-	per month for fellows to complete University
CHF 1920 .-	per month for students of art
CHF 1600 .- ;	per month for a language course in Fribourg and Lugano

assumed that the scholarship does not cover for tuition.

Acceptance of documents for 2011-2012 academic year begins in mid-July 2010

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futurefund@yandex.ru

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Graduate Scholarship in franfurtskoy School of Finance and Management

Hello, dear friends.

Scholarship Program franfurktskoy School of Finance and management offers 12 scholarships annually to its students:

• eight scholarships for Master of Finance program
• 4 scholarships for master's program International Business

Requirements:

- inability to pay tuition samoctoyatelno

- untainted biography (the law)

- proven motivation


Stipend

- 5000 Euros, payable in two stages as tuition

- 300 Euros per month Accommodation for the duration of training

documents for training and scholarships are given simultaneously by 31 May each year.

the examination application is a complete package of documents. More information about the requirements for the package of documents can learn from senior representatives of:

• Master of Finance (M.Sc.)
  a.grochocki @ frankfurt-school.de
• Master of International Business (MA)
  c.kuckelmann @ frankfurt-school.de

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Scholarship "Go West" to get a master's degree in Germany

Hello, dear readers.

For young people from Central Europe, Russia and partly for the citizens of Eastern Europe Haniel - Stiftung offers postgraduate scholarships at German universities that collaborate with the Fund. Scholarship issued in the field, close to economic.

to be solicited from graduates with a bachelor's or master's degrees. Length Scholarships - 2-4 semester. Manufacturing Practice is included with the fellowship program.

terms and conditions of receiving the documents can be found directly at websites of universities - partners. To find out exactly what the German universities cooperate with the Fund, send a request to this address. you need to answer.

Good luck in search!

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program scholarship for young leaders from Russia to Germany

Hello, dear readers.

Regularly I am trying to find you interesting, often little known scholarships. It so happens that all the time go round towards the famous Alexander Scholarship Fund von Humboldt Foundation, which provides scholarships to a huge number of scientists.

detailed list of scholarships you can find on Foundation's website.

And I want to talk about the Chancellor Scholarship for promising young leaders from Russia by the same fund.

specialists who do not know German language must pass the three-month intensive training just before the program. To do this, allocates a separate scholarship.

Requirements:

- Russian citizenship

- Diploma of completed education (minimum bachelor's degree)

- success stories work in a managerial position (s recommendations -5 people)

- the host country agreement for the project (project details are negotiated in advance)

Deadline - November 15 annually.


Documents:

- Diploma (translated into German language copy)

- 3-5 recommendations sending side (in German)

- detail painted approval of the host side (in German)

- a detailed description of the project (in German language)

- the completed form (in German)

more precise information on required documents can be found here.

long stay (more than 6 mo.) Abroad at the time of application may be rejected in scholarships.

complete package of documents should be sent to:

Alexander von Humboldt-Stiftung Auswahlabteilung Jean-Paul-Str. 12,
53173 Bonn, Deutschland.

If you do not have time to send documents by mail can send the documents by E-mail - buka@avh.de

Documents in paper form must come not later than 3 weeks after sending electronic.

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scholarship for students of engineering and technology sectors

Hello, dear readers.

Scholarship, which will be discussed today, is aimed primarily at students of all courses of German university of engineering and technical direction:

- Electrical
- Metallurgy
- engineering
- Technology
-
Materials, etc.

In some cases, the scholarship may also be awarded to foreign students who are not yet available a German university, but having access to income.

Requirements

- held on enrollment in a German university (admission for entrance)

Documents

- cover letter
- Biography
- motivation letter
- a document certifying authorization to enroll in a German HEI
- or documentation to verify educational achievements at a German university (record book)
- other documents confirming the presence of secondary, special etc.
education, practice, certificates

Stipend

stipend of 800 Euros per month and up to 500 euros extra per semester to cover tuition fees.

Deadline

throughout the year.

Applications must online


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programa for professionals in the U.S.

Здравствуйте, дорогие читатели.

Стипендия, о которой я сообщу сегодня, будет интересна людям с высшим образованием. Как известно, в U.S. there are plenty of programs for foreign students and professionals.

Department of Educational and Cultural Affairs with the active administration International Research and Exchanges Board, IREX provides scholarships to citizens of Armenia, Azerbaijan, Belarus, Georgia, Kazakhstan, Kyrgyzstan, Moldova, Russian Federation, Tajikistan, Turkmenistan, Ukraine and Uzbekistan, with higher education to get a master's degree from a university USA.

duration of the program - up to 2 years.

Fellows develop their own project to support the local community and are professionalnyyu internship after graduation.

Specialties, which awarded scholarships to

- Business Administration

- Economy
- State Management
- Public policy
- Law

Requirements

- citizenship and residence in one of the countries - Armenia, Azerbaijan, Belarus, Georgia, Kazakhstan, Kyrgyzstan, Moldova, Russian Federation, Tajikistan, Turkmenistan, Ukraine and Uzbekistan

- Diploma of completed Higher Education at the time of application

- the possibility of obtaining J-1 visa

- a high level of English proficiency

More information about the program mask, you can learn at muskie@irex.org
or the regional office in your country. Regional offices can be found here.

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Summer Academy for young leaders from the East countries - partners

Zdravsvtvuyte, dear readers.

Summer Academy College of Carl Friedrich Geldelera for young leaders and the Eastern partner countries.

Summer Academy - a two-three-week international seminar on advanced training for young specialists in public administration from Armenia, Azerbaijan, Belarus, Georgia, Moldova and Ukraine.

To participate in the workshop highlighted 15 fellowships. The working language of the seminar - German.
Seminar runs from June 28 to July 18, 2010 in Berlin, including a week-long practice.

Documents for participation in competition are accepted until 29 fevrala 2010.

Requirements:

- citizenship of the aforementioned countries

- completed a study best results

- first professional experience in public sector

- a high level of German language

- English proficiency

Costs of supporting the participants takes on the Robert Bosch Foundation.

More information can be found at the German embassy in your country It was there that offers information specifically for your country. The site of Robert Bosch indicates other countries. So I would recommend to a request by e- mail, have not changed any rules for your country.

Management Program

Markus Lux
Robert Bosch Stiftung GmbH
www.bosch-stiftung.de

contact the Summer Academy
Marie-Lena May
Telephone +49 (0) 30 / 25 42 31-13
Телефакс +49 (0) 30/25 42 31-16
m.mayer @ dgap.org


German Society of Foreign www.dgap.org rtige
Relations (DGAP)
Center for Central and Eastern Europe of the Robert Bosch Stiftung

Rauchstraße
17/18 D-10787 Berlin
www.goerdeler-kolleg.de

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If you have any questions, please, try to help.

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Group poezki to Germany for library staff

Hello, dear readers!

came a new year, and we continue to look for scholarships and to build their future and present. Today there will be a grant for a study trip to Germany for library staff from BII

participate in the program are eligible employees of libraries, information, documentation and archival institutions, which integrated library system in the country. As a general rule, a grant for the maintainers and translators are not covered.

Grant is designed for case- trips, which involve training or experience exchange with library staff from other countries.

Duration poezki is, as Typically, from three days to two weeks.

requirements for applications

- application-oriented group

- a list of all participants

- details program

- approval of the host side in Germany

contact with German organizvtsiyami can be found, both independently and through intermediaries. Mediate the post-Soviet space is the Goethe - Institute.

grant from BII may also be used as a source of funding doplnitelny with a lack of funds from other programs.

Grant Size

amount of the grant depends on the number of participants, but should not exceed half budget. Budget travel is calculated taking into account all expenses (tickets, fees for participation in conferences, visits to museums, etc., hotel, flight - For presentation of tickets or boarding passes required)

Typically, the grant is issued once a year for each individual participant.
Planning travel is conducted independently. During the preparation, delivery and travel insurance meets the leader of the group members.

More information You will find here.

have questions, write, try to answer.

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