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As a self-employed entrepreneur or professional, disability insurance (AOV) is an important safety net. But did you know that AOVs come in two forms? And that the type of insurance can greatly affect your disability benefits?
Pleased to meet you, my name is Stefan Fober. I was born in Maastricht in 2006 and have been living in Schinnen with my parents ever since.
• Growth forecast 2025 1.1% according to DNB • German economy: growth forecast 2025 0% • Energy prices fall • Unemployment May 2025 3.8% (385,000)
De zomer staat voor de deur. Voor veel ondernemers betekent dat: even op adem komen, vakantie vieren, of de zaak op een lager pitje draaien. Maar juist nu is het belangrijk om stil te staan bij je cijfers. Niet alleen om terug te kijken op de eerste helft van het jaar, maar vooral om vooruit te kijken: waar sta je, en waar wil je naartoe?
I was with a notary this week who told me that he had lost two team members to the tax authorities. An accountant accompanying us added that his children, who had studied tax law, had also joined the tax department. And considering the workload compared to what he himself had gone through in his career, he gave them great credit. I wondered aloud how they thought they would build wealth then.
For many employees, May is a celebration month: holiday pay is coming! A bonus, often good for 8% of the gross annual salary. A good time to start dreaming about a week in Spain, a new barbecue or just some extra buffer in the savings account. But beware: what you get net in your account does not only depend on the amount you accrue in gross holiday pay.
For investors who care about sustainability, investing in green funds for years offered not only a social benefit, but also a tax advantage. However, that tax incentive is being phased out, with major consequences.
The non-compete clause was always such a handy clause to prevent an employee from joining a competitor after leaving, or at least to be able to negotiate about it. But, the rules are about to change considerably. And that could have major consequences for the validity of your employment contracts.