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Children bring a lot of worries with them, according to the average parent. Nothing could be further from the truth when it comes to our Karina. She was 15 when she suddenly became part of my family one Sunday in 2012. The next day, I took her from Vijlen to the Bernardinus College in Heerlen for the first time. There she attended grammar school, specialising in Nature and Health (N&G), and she was an above-average student.
From 29 June to 3 August, Eric Minnaard, a student at Porta Mosana College in Maastricht, took part in the Global Exploration project in Ghana. He recently visited our office to enthusiastically share his experiences.
After a divorce, agreements are often made about alimony. This may involve a contribution for the children, but sometimes also for the ex-partner. These agreements often feel “fixed”. However, they are not always so. An important but often overlooked aspect is indexation.
• Growth forecast for 2025: 1.7% according to DNB • German economy: growth forecast for 2025: 0.1% according to the ifo Institute • Energy prices stable • Unemployment in November 2025: 4% (408,000)
Tradition has it that when the leaves fall, people suffer more from depression. This is partly due to the limited amount of sunlight and the shorter days. I know that psychiatrists use light boxes as therapy for patients suffering from depression. So if you notice that people around you are grumpier than usual, it's probably just the time of year.
The outlines of the health insurance for 2026 are known, and once again one question is central: how do we ensure that good care remains accessible without the premium becoming unaffordable? This year, the government has opted for stability on the one hand and a greater focus on prevention on the other, and this is clearly reflected in the changes.
Next year, there will be another change in mortgage standards. In 2026, households will be able to borrow slightly more to purchase a home, but this extra scope will only arise if income actually increases. Without a wage increase, the maximum mortgage would actually decrease.
The Public Administration Probity Screening Act (BIBOB) enables a municipality to screen for criminal activities in, among other things, an application for a licence. The National Bibob Office (LBB) assesses the degree of risk that a government decision will be used for criminal purposes on the basis of the criteria set out in Article 3 of the Bibob Act and the associated case law. The Bibob Act contains the following four grounds for revoking or refusing a government decision: