People who don't ride motorcycles see it as dangerous because you're only on two wheels and can reach enormous speeds.

Below are some positive things explained and why these things make motorcycling so unique and wonderful.

Five Positive Things About Riding a Motorcycle

1. Positive attitude to life and view

Every motorcyclist knows the feeling when you have only positive feelings after a long ride. The reason we feel so happy is pretty simple. Every turn of the wrist releases adrenaline, which in turn releases endorphins.

These feel-good hormones improve our mood, increase pleasure, and minimize pain. Endorphins give us this unique and beautiful feeling.

It also creates feelings of relief because we have accomplished something. When you are on your motorcycle, you are constantly adjusting your posture, speed and road position.

This binds us to the present moment and means that our mind has no room for worries about money, jobs or other everyday problems.

You feel completely free and happy because you can enjoy the moment.
The thrill of riding a motorcycle is also unique. You feel the road and are at one with your surroundings. However, it is always important to ride with foresight and safely to avoid accidents. However, this is true for any type of exercise.

Riding a motorcycle gives you a feeling of freedom. Many motorcyclists who ride on nice days don't have a specific destination. For them, the goal is to simply feel free to shut down.

Another point that makes for a more positive mood is other motorcyclists you meet on the road.

When riding your motorcycle on the road for the first time, you join a large family of bikers. Almost every motorcyclist will greet you on the roads by waving at you.

It fills you with joy to meet other people who share the same outlook on life and hobby with you. Riding a motorcycle gives you the opportunity to meet new nice people.

2. Physical benefits

An important health benefit of riding a motorcycle is that it burns more calories than driving a car, which ultimately increases your physical fitness.

The leg work required to secure your bike along with the constant road positions is much more work than driving a car.

Your torso strengthens when you balance, your thighs get stronger when you change lanes or corner, and your neck strengthens just from wearing a helmet. Every maneuver on your bike uses your core muscles.

The movements are low impact and relatively low intensity. You won't notice the stress much at first. But after a long ride you will feel it in the torso area in the early days.

Maintaining proper posture on your bike also helps keep your body in shape and can improve muscle tone.

So riding a motorcycle is not only a way of life, but also promotes your physical health.
You should be careful if you have neck problems, because the neck can be strained too much by the wind and negative consequences can occur.

For this purpose, there are suitable bikes with a higher windshield for improved protection.

Another physical benefit of riding a motorcycle is that you can effectively burn calories. On the road you can burn between 200 and 300 calories per hour.

3. Cognitive function

Riding a motorcycle also improves your cognitive functions by up to 50 percent. This is due to the fact that riding a motorcycle requires a high level of alertness and quick problem solving.

The brain is activated while riding a motorcycle. Another point is that motorcyclists need to be much more focused and mindful of their surroundings.

Actively focusing on a task is great for your brain.
Riding a motorcycle not only has a positive effect on the brain, but also has a positive effect on mental health.

Your mood improves and your stress decreases when you ride on scenic roads. Stress, especially among young adults, continues to rise and people are looking for ways to improve their mental and physical health.

The brain is an amazingly complex organ and it benefits from motorcycling. In addition, there is higher exposure to sunlight and extra vitamin D, which promotes a happy and healthy mind.

As significant as the mental benefits of motorcycling are, they are also strong physically.

4. Environmentally friendly

Motorcycles consume much less fuel than conventional cars or trucks. As a rule, most bikes are half the normal consumption of cars.

This is mainly due to their design and low weight. Whether you care about your carbon footprint or not, motorcycles are efficient modes of transportation that have a minimal impact on the environment.

And even if you ride just for the thrill, there's nothing wrong with being a little friendly to Mother Nature once in a while. In addition to the lower environmental impact, you can also effectively save money.

Your transportation requires fewer resources to build. You take up less space. They actually put less strain on roads and infrastructure. Motorcycles as single (or two-person) transportation are far more efficient.

Motorcycles also cost significantly less to buy than cars. In addition, the insurance costs for two-wheelers are also cheaper.

5. Motorcycling is practicality

Motorcycles are very practical. Every driver knows it: you have an important appointment with the doctor and are running late.

Finding a parking space in a hurry can be nerve-wracking. Special motorcycle parking spaces are designated in most business areas. So you will always find a suitable parking space.

So with your bike it is much easier to run errands or attend appointments. Another advantage is that special parking spaces for motorcycles are free of charge.

In addition to making it easy to find a parking space, motorcycles are also extremely handy on the road when traffic is backed up.

Motorcyclists also have little opportunity to be distracted by other things. You can concentrate exclusively on driving and your surroundings.

There is no time to play on the cell phone or talk to your best friend, as many drivers often do.

The post Things you didn’t know about motorcycling! appeared first on Jhcolorpowdercoating.

By the way, the results of last year's light test speak for themselves: in 2017, the workshops found defects in the lighting system of every third car. Of these, almost a quarter were driving around with defective headlights. In every tenth car, the headlights were set in such a way that they dazzled oncoming traffic. The percentage of vehicles with discovered defects has increased by 0.7 percent compared to 2016, at 32.7 percent. The problem is not getting any smaller.

If it comes with the check in the workshop actually to the exchange of a lamp, the motor trade and the automobile clubs recommend by the way the exchange equal of both sides. In view of the fact that the lamp on the other side often still works perfectly, this seems to some customers to be a clever strategy by the industry to increase sales.

The recommendation is justified, however, because lamps – like other vehicle parts – are nowadays manufactured with great precision, which also affects their service life. So if one lamp goes out, you can assume that the other will soon follow. If one exchanges both sides at the same time, one gets the lamps cheaper not only under the bottom line. You also save another visit to the garage with the corresponding costs.

The purchase of a classic car requires precise preparation

The market for old cars is experiencing a boom – advice from experts is often called for

Just the sight of a Jaguar E Type, an MG Roadster or even just a VW Golf I makes the hearts of many car fans beat faster. There has been a boom around classic cars in recent years, and it has become a market in demand. A classic car can become an investment in these days.

Around three million old vehicles older than 30 years are now registered for the road. This allows them to drive with an H license plate (as long as they are still largely in their original condition), which provides for a comparatively low tax rate of a flat 191.73 euros per year. For historic motorcycles, the tax rate is 46.02 euros. In addition, historic vehicles with this license plate are exempt from modern emissions standards and can also drive in low emission zones with an exemption permit, provided the municipality in question allows it. In addition, the cost of vehicle insurance is often lower for classic cars than for everyday cars.

For all its value, classic cars are first and foremost about style. The feeling of being on the road in an old car that is nice to look at, and different from the modern cars that are often perceived as one-size-fits-all models, has infected many – especially male – car fans.

However, acquiring such a jewel requires precise preparation. As with the normal purchase of a used car, you either have to know something about the matter yourself or get help. Experts are needed, especially when buying from a private seller. Classic cars are classified in five quality classes, depending on their state of preservation. Class 1 contains vehicles that are free of defects, while class 2 contains vehicles that are in good condition with minimal signs of use. While laymen and enthusiasts can still accept class 3, class 4 and 5 vehicles should be treated with caution. Parts may be missing here, rusting through may occur (4) or even extensive restoration may be necessary (5). If you are not a passionate hobbyist, the rule here is: Hands off.

In case of doubt, an expert should be commissioned to look at the car. The fee for this is in the lower three-digit range. If you save here, you may have to spend many times more later on repairs of unrecognized defects.

It is worthwhile to obtain information about the desired model in advance from classic car clubs or Internet forums. Here you get quite reliable insights into known weak points of the vehicles, to which you can pay special attention during the inspection.

Buying and operating a classic car is still considered a "rich man's hobby". It is certainly true that having some financial cushion is not a bad thing if you own a very old car. The procurement of spare parts in particular can be costly. But especially classic cars from the eighties are often still in good condition today, which keeps the need for maintenance low. The prerequisite is, of course, that the car is stored under suitable conditions. A fixed garage is actually always necessary for a classic car.

Conclusion: The purchase of a classic car is an affair of the heart, but it should be carried out with common sense.

Even in winter, the car is in good hands with Rahlves

When autumn comes, most motorists think about changing the tires. However, there's more to winterizing a car than that. From putting antifreeze in the wiper water to checking the battery for a safe start in subzero temperatures, there's a lot to do. And if you make an appointment to have your tires changed at the garage anyway, you can order this check at the same time.

Of course, this requires a workshop that knows its trade. Autohaus Rahlves in Ahlten is such a company, which is always technically up to date and where the employees are optimally trained. The trust of customers that company boss Uwe Rahlves and his team have earned over the years is no coincidence.

The multi-brand center on the street Zum Groben Freien is a car dealership that is now being operated by the third generation. And the term multi-brand center is the expression for the fact that cars of all brands can be repaired in the workshop. This is done in accordance with the manufacturer's specifications, so that any warranties given by the carmaker are not voided.

In addition to the workshop, Rahlves is also the right place to go if you want to change your vehicle. Although the Ahlteners have been partners of the Korean brand SsangYong for a couple of years, but still Rahlves is not firmly tied to a brand.

Anyone who wants to buy a new or used car has the opportunity to choose the right one at Rahlves, because the family business from Ahlten has access to a large pool of new and used vehicles and the expertise to find the right car for the customer.

The post “One-eyed” cars cause dangerous situations appeared first on Jhcolorpowdercoating.

However, before interested parties can take out occupational disability insurance, the insurance companies check the individual occupational disability risk. For this purpose, among other things, a health check is carried out and the interested party is asked about his or her leisure activities. By answering these questions, the insurance company will get a picture of whether the prospect has a potentially increased risk of becoming unable to work. Certain pre-existing conditions, such as allergies, do not usually have a major impact on policy terms, while conditions such as cancer often result in a claim being rejected. Hobbies such as climbing, parachute jumping or diving lead to a potentially increased risk of occupational disability. Here's how insurance companies evaluate pre-existing conditions such as pneumonia when a policy is issued.

Diagnosis of pneumonia

In winter, significantly more people fall ill with pneumonia than in the warmer months. In most cases, the cause of the illness is a cold or flu that has not been adequately treated. In addition, infections or inhalation of toxic fumes or smoke can lead to pneumonia. For young, healthy people without pre-existing conditions, pneumonia is usually harmless. Symptoms such as shortness of breath, coughing, fever and a general feeling of illness usually disappear within a few days after medical treatment. In order to cure pneumonia, affected patients are often prescribed antibiotics and have to take it easy.

While pneumonia that is recognized and treated in time is usually only associated with a few days of bed rest for younger people, the disease can become life-threatening for older and sicker people. People with heart or lung disease or an immune deficiency are especially at risk. The lack of oxygen, which can be triggered by the inflammation, can lead to life-threatening situations, as the affected patient is already weakened by existing pre-existing conditions. Children and infants are also at risk because their immune systems are not yet fully developed. Another danger lies in carrying off pneumonia. If the inflammation is not treated in time, the heart can be affected. Affected people can develop heart weaknesses and parts of the lungs can die off. A timely and cause-oriented treatment is therefore essential.

In this graph, it is clear that it is mainly older people who die as a result of a disease of the respiratory system. While the number of fatalities in the age category below 20 years and between 20 to 40 years is close to zero, the number of victims increases significantly with increasing age. 

BU conclusion despite pneumonia

The insurance companies check the health status of the interested party before concluding the contract. Whether pneumonia is included thereby negatively into the contract design, depends on different factors. The decisive factor is, above all, when the pneumonia occurred and whether it has healed without secondary diseases. If the disease is so far in the past that it no longer falls within the period of the health check, it does not have to be declared to the insurance company and accordingly does not influence the contract conditions.

If pneumonia falls within the queried period, it must be indicated in the health check, as well as all necessary medical examinations and treatments. If the disease has healed without consequences, it will also not lead to risk surcharges or exclusion clauses. The situation is different if the pneumonia had a particularly severe course or even triggered secondary diseases. If the heart or other organs were damaged by the pneumonia, the conclusion of the occupational disability insurance will not be possible to the normal assumption. Depending on the severity of the secondary diseases, risk surcharges or exclusion clauses are established. If the pneumonia has caused severe heart disease such as heart failure, the application for occupational disability insurance may also be rejected.

If affected individuals suffer from pneumonia on a regular basis, whether due to a weakened immune system or an unhealthy work environment and direct contact with smoke or fumes, insurance companies will impose restrictions, regardless of possible secondary illnesses. The risk that in the future pneumonia will lead to disability is significantly increased.

Anonymized preliminary risk inquiries and special promotions

As shown above, obtaining disability insurance despite pneumonia often depends on the individual's medical condition, and it is difficult to generalize about insurers' assessments. In order to obtain an initial assessment before concluding a contract, it is advisable to create anonymous preliminary risk inquiries. These represent an anonymized application, which does not allow any conclusions to be drawn about the applicant's personal data. These preliminary inquiries can be made, for example, by an insurance broker. The insurance company sends the insurance broker a quote specifically tailored to the preliminary inquiry about the possible terms of a potential contract. In the event of a denial, the applicant cannot be included in the special risk file. This way, the conclusion of a contract with another insurer is not made more difficult and the interested party can choose the offer that provides the most attractive conditions.

Another way to make the conclusion of a contract more attractive are special promotions. The insurances offer different special promotions, which are limited in time and mostly tailored to special target groups. By reducing the number of health questions, possible illnesses may not have to be specified and thus cannot influence the conclusion of the contract. For example, pneumonia could be concealed from the insurance company without the claimant facing any consequences in the event of a claim.

We support you free of charge in the preparation of your anonymized preliminary risk inquiries and accompany you until the conclusion of your occupational disability insurance policy.

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An insurance customer who has agreed in the insurance policy that he will bear a small part of the damage himself in the event of a claim, the insurance cover usually costs significantly less than without this agreed deductible.

If you want to pay as little insurance premium as possible, but still want to be comprehensively insured, you can achieve this goal cost-effectively by agreeing on a deductible, as is offered with various types of insurance.

Many people would like to be covered by an insurance policy against a certain risk in such a way that the cost risk in the event of damage is as low as possible, i.e. they do not suffer any serious or even existential financial losses in the event of damage. In addition, most people want the cheapest insurance premium possible. Both are possible by agreeing a deductible in the event of a claim in the insurance policy, as this reduces the insurer's risk and allows it to lower the insurance premium accordingly.

Such a deductible is often offered with private liability and legal protection insurance as well as household contents, residential building or travel insurance, but also with motor own damage and private health insurance policies.

There are different deductibles

As a rule, a deductible can be agreed in the policy in terms of amount and/or proportion, which must be borne by the insurance customer in the event of a claim. Typical for a sum-based deductible is, for example, a deductible of 150 euros for partial comprehensive motor vehicle damage, i.e., for example, damage to one's own car due to a collision with a furred deer or due to hail damage.

An example of a percentage deductible is, for example, a 90 percent reimbursement of the cost of a dental prosthesis under a supplementary dental health insurance policy, i.e., the insurance customer has agreed to a deductible of ten percent of the cost in this case. The exact type and amount of the agreed deductible is noted in the respective insurance policy.

The insurance customer benefits from a lower insurance premium right from the start as a result of the agreed deductible – and this is permanent. The agreed deductible, on the other hand, is only due if a claim is made. The higher the agreed deductible, the lower the insurance premium.

The fewer claims, the higher the savings effect

The insurance customer achieves the greatest savings potential if he has agreed a deductible and never suffers a claim. But even with an average claims frequency, the premium saving is usually higher than the amount you have to pay out of your own pocket in the event of a claim under the deductible.

And even those with above-average damage can benefit from a deductible. If you don't report small claims that are below the deductible, you reduce the risk that your insurance company will cancel your policy because the frequency of claims is too high. How long you have to be damage-free, so that the deductible is worthwhile, you can easily calculate yourself.

The formula is: the amount of the deductible divided by the difference in premium between the tariffs with and without the deductible equals the number of years. Example: deductible 100 euros, annual premium 150 euros without and 130 euros with deductible (difference 20 euros), i.e. 100/20 = five years. If the insurance customer suffers a loss from the sixth year or later, he saves more in total on a policy with an agreed deductible due to the lower premium up to that point than he would have to pay in the event of a loss.

Effective reduction of expenses

In private health insurance, the calculation is even simpler, because a deductible of a few hundred euros per year is usually worthwhile even for sick people from the first year of the policy's existence. The premium difference between a health insurance policy with a low or no deductible is often very high compared to a health insurance contract with a higher deductible. In addition, in the case of health insurance policies, the amount to be paid is often limited to a maximum annual amount.

If you want to save money effectively, you can agree on acceptable deductibles in all insurance lines, if possible.

After a certain period of time, the resulting savings in premiums can be used to pay for small claims without any problems, and there is still money left over compared to the higher insurance premiums that would have had to be paid without a deductible.

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As a manager, you make decisions every day – and you can be held liable for them. Lawyer Steffen Rohrig explains how to protect yourself.

Ex-Arcandor boss Thomas Middelhoff did not really have much to laugh about in recent years. The former top manager repeatedly sat in the dock. Among other things, in an embezzlement trial. But Middelhoff was able to relax quite a bit, at least in a threatening situation. He was spared bail – because his manager's insurance took over a liability guarantee. In the amount of 3.4 million euros. Manager Insurance? There is indeed. And for many managers, it is an indispensable part of their everyday working lives. In this euphonious term, marketing experts wrap up the unwieldy verbiage of good old professional indemnity insurance. Why this is not a bad idea for managers, managing directors and board members? So that disputes or liability in the workplace do not turn into a financial disaster.

What can happen to me?

Of course you are no Thomas Middelhoff. But nevertheless, you can still encounter a lot of things from the point of view of labor law. Professional legal protection insurance helps cover financial risks arising from conflicts in the employment relationship. In labor law proceedings, for example, if you take legal action against your employer's dismissal, you pay the legal fees even if you win the case. But there are also considerable risks when it comes to liability, as Steffen Rohrig, a specialist in labor law, knows: "Most legal systems around the world also provide for the personal liability of individuals, even if it appears that only companies have come into contact with one another. In addition, for many reasons, companies often want to shift final liability to individuals. For this reason, executives and corporate bodies must always expect to be claimed against. And because of the high amounts in dispute, the costs are usually very high."

What to consider when choosing insurance?

As a rule, full protection only kicks in after a waiting period of three months with many insurance companies. Neutral comparison portals help with initial orientation, but they are no substitute for an individual comparison for the respective situation. Professional legal protection insurance covers u. a. In the following common disputes:

• paychecks are not paid
• Problems with faulty employer's reference
• unjustified warning
• Dismissal protection suits
• Severance payments

How managers protect themselves when they are sued? Legal expert Steffen Rohrig gives tips.

Expert Steffen Rohrig recommends, "The best and perhaps most expensive insurance won't help if the condition being reported is not covered by the policy. And often, coverage is denied because you haven't brought your policy up to date. In this respect, after any relevant change, the legal protection partner must not only be informed immediately, but the insurance company must also "follow this path". Otherwise, there is a risk of insuring and paying for something that is not (or no longer) needed. And what is needed is then not insured." Legal expenses insurance can generally not be taken out retroactively.

The manager insurance

Executives and managers are often in the front line and are particularly vulnerable for more than just this reason. You make decisions of great importance every day, but as human beings you are naturally not immune to mistakes. In addition, they are liable for their decisions within the company and also bear criminal responsibility for their actions. Managing directors and also executives should therefore take out a specially designed professional legal protection policy. Lawyer Steffen Rohrig advises the following procedure: "First of all, it is advisable to find out whether your company does not also have a special insurance for managers and directors (often called Directors & Officers insurance). If this company-paid insurance is missing entirely or if certain parts such as criminal legal protection, legal protection against financial loss or legal protection against employment contracts are missing, you should also book these special modules separately. As already mentioned: the contract must fit the current activity and if the activity changes, the contract must be adjusted."

The post Professional legal protection: i’m minimizing the risk! appeared first on Jhcolorpowdercoating.

I could not believe it, an hour before everything was still fine. I went on the road and actually! Half of the fender was gone the bumper was bent away. No trace of the person who caused the accident! What now?

The police could not help

The police came by and recorded the accident. Who caused the damage? Did the neighbors see anything? Unfortunately, no one saw who caused the accident and hit and run. No witnesses, no chance! But who actually pays my damage now?

My insurance pays for it, doesn't it??

Annoying, because if the person who caused the accident can't be found, you're left sitting on the damage yourself. You have done nothing wrong, but now you have to pay for this damage. Who has taken out a comprehensive insurance, is lucky. As a rule, the insurance company will also pay for your own damage. There are now two possibilities:

• Pay the damage out of my own pocket
• Report the damage to the insurance company (makes sense with comprehensive insurance)

If you decide to report the damage to the insurance company, the insurance company will pay for the damage (in the case of comprehensive insurance). So it was also with me. However, I later received an unpleasant letter from my insurance company.

The increased insurance premium

I was already pissed off in this situation. Luckily I had comprehensive insurance, otherwise I would have had to pay for the damage caused by someone else myself. But of course, then came the message from my insurance company: my insurance premiums should be raised. Already very annoying, if you can do nothing for it yourself. But there is nothing you can do now or?

A tip from a colleague helped me to pay even less for my car insurance

I also told the whole story to some of my work colleagues. That was a good thing, because one of my colleagues gave me a tip that helped me pay even less for my car insurance policy. The tip was simple: if your insurance company raises the premiums, you can cancel the contract and switch to another insurance company!

"But with another insurance company I have to pay more?" I then said. "No, because you go up with your percentages, but your new insurance company will make you a better offer to attract you as a new customer". This sounds interesting.

The tip with the insurance change really worked!

I then did exactly what my colleague advised me to do. I have looked for a new car insurance. Their contributions were even lower than those I had to pay before the hit-and-run accident. Not only did I not pay more, but I saved money each month.

My advice: if you have a hit-and-run accident and you don't want to be left with the damage

In retrospect, I can say that two things helped me not to be stuck with the damage:

• My vehicle was fully insured
• I changed insurance when my insurance company demanded higher premiums from me.

I recommend the same to you if you got into this situation through no fault of your own. It can't be that you are punished for things you didn't cause yourself!

The post Hit and run and now have to pay more for the insurance too? Not with this trick! appeared first on Jhcolorpowdercoating.

What are newtimer and youngtimer?

Vehicles can be considered newtimers from 10 years of age. For us, youngtimers are vehicles that are at least 20 years old. These must correspond as far as possible to the original condition and be in a good state of preservation.

Some of our product highlights in the area of newtimer& Youngtimer

Our insurance solution for newtimer and youngtimer comes with some special features, among others:

• Everyday use is insurable (for youngtimers).
• No everyday car is needed as a "first car".
• We can insure without mileage limitation (for youngtimers).
• Low mileage (z.B. 2.500 km/year) are possible to optimize premiums.
• A covered parking space is usually not mandatory.
• Policyholders are possible from 18 years of age.
• Accompanied driving from the age of 17 is also insured free of charge.
• Self-assessments are up to 130.000 EUR vehicle value possible.
• Free driving on race tracks (without racing character) is insurable.
• Vehicle conversions are insurable.

Development in Germany

There are currently over 8.6 million registered vehicles in Germany that are more than 15 years old. Around 600.000 vehicles in the youngtimer segment have classic car potential and around 7 million newtimers are in everyday use or of unclear status.

Why newtimer or youngtimer insurance??

As with newer automobiles, new and youngtimers must have at least third-party insurance to be allowed on German roads. Due to the above-average values of the vehicles, partial or fully comprehensive insurance or so-called "all-risk coverage" is recommended. Important to know: Not every vehicle of the appropriate age qualifies for coverage in a classic car insurance policy.

Generally, classic car insurance is usually cheaper than regular car insurance, as insurers assume that vehicle fans take extra care with their cars and tend to drive them more on special occasions. This reduces the risk of an accident for the provider and, consequently, the costs as well. In addition – and in our view most importantly – classic products are explicitly tailored to the needs of vehicles and vehicle owners and are best able to address the special features that the mobile treasures bring with them and convert them into tailored insurance cover.

You can calculate your insurance costs here and take out the insurance online. You will receive an eVB (electronic confirmation of insurance) afterwards.

Where are the differences with the classic car?

The age of the vehicles makes the difference. Cars over 30 years old can be registered as classic cars. If the vehicle is in good, largely original condition, it can be presented to an expert who will carry out the inspection. If this runs positively, the vehicle is recognized as an automotive cultural asset and receives an H license plate. Vehicles with H license plates may z.B. Driving in low emission zones without an additional sticker. In addition, there is a flat vehicle tax of 192 euros per year for these vehicles. There is no fixed definition for youngtimers, nor is there an H license plate or a flat rate for vehicle tax.

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Can you insure bitcoin, or balances in other cryptocurrencies? We now hear this question more frequently at acant.

Balances in cryptocurrencies are at risk

It just happened again: A hacker stole about $600 million worth of cryptocurrencies in the U.S. The company was affected by the transfer or. Poly Network platform specializing in the exchange of cryptocurrencies: The thief had cracked the security systems and hijacked balances of the cryptocurrencies Ethereum, BSC (Binance) and Polygon. He later returned the assets – in return, he was promised a reward of half a million dollars.

The same thing has happened often enough with Bitcoin. According to media reports, there are entire departments of state-controlled hackers in North Korea who specialize in illegal blockchain operations – i.e. theft. Here's how they help fund the regime.

Even without thieves, a bitcoin balance can be lost. If the keys are on a hard drive, there is a risk of hardware damage or unintentional overwriting. The case of virtual Bitcoin millionaire Stefan Thomas is particularly spectacular: he owns a hard drive containing Bitcoins worth a nine-figure dollar amount. What he is missing is the hard drive password, because he forgot it. Two more attempts at entry are allowed by the disk's backup software. Then the maximum number of failed attempts is reached, the security program deletes the data on the hard disk.

Can bitcoin be insured?

The short answer is that property insurance for bitcoin, which replaces the loss or theft, does not currently exist. This is already due to the fact that insurers can calculate the risk poorly. Finally, the depends on the exchange rate development. The legal status and official value are unclear, as Bitcoin, Ethereum& Co. Are not official means of payment and, unlike foreign exchange balances or securities, are not subject to accounting rules. From a property insurer's perspective, bitcoin assets appear in the inventory to be insured, d. h. the assets of the company, not as a specific value on.

What's more, in the event of a mass theft like Poly Network's, very large insurance claims are at risk in one fell swoop. Such risks also make property insurers cringe.

The bottom line is that while there have been previous announcements of bitcoin insurance products. Corresponding offers did not appear on the market.

Fidelity insurance or cyber insurance can help with clarification

The prospects for coverage of the loss are better in the case of suspicion that the company's own employees or agents have stolen or embezzled bitcoin assets. If the company has fidelity insurance or cyber insurance, the insurer can cover the cost of forensic investigation. Experts in IT forensics can point the way to the perpetrators, from whom you can recover the funds with a little luck. Of course, the claim depends on the terms and conditions of the policy.

Do you have questions about the insurance coverage of your digital assets?

When it comes to insurance for digital assets and insurance protection against digital risks, we at acant know our stuff. We are, after all, specialist brokers for cyber risks of all kinds.

Just ask us – we will be happy to advise you free of charge. And if something cannot be insured, such as Bitcoin, then we tell you that quite clearly.

The post Insuring bitcoin, or other cryptocurrencies – is it possible?? appeared first on Jhcolorpowdercoating.

Why I as a specialist lawyer for labor law do not recommend the filing of a mobbing lawsuit as a rule.

The impulse is understandable. After an experienced mobbing the skin is only thin. The situation is set to change. One would like to get out of the victim role and become active. I'll pay him back! I go to the lawyer, I sue! Stop the psychological injuries! I recommend in such a situation, however, also the pause and gaining distance. Does a mobbing complaint make sense? This question wants to be discussed calmly. Seeing a lawyer can be a good step, but the next one – going to court – needs to be well thought out. In addition here a outline, which would come on you, if you would like to start a Mobbingklage. It can become a marathon, this much is said. And whether there is a light in the tunnel at the end ..

Behavior that has the purpose or effect of violating the dignity of the person concerned and an environment characterized by intimidation, hostility and humiliation
is created.

Mobbing definition of the Federal Labor Court

What is mobbing?

• You will be humiliated.
• You are ostracized and isolated.
• They are deprived of their previous tasks.
• You are assigned low-value work tasks.
• Your performance is constantly and groundlessly belittled.
• They are made bad also before the colleagues.
• Making you feel insecure for trivial reasons.
• False facts are spread about them.

The mobbing is carried out in the company both on the part of superiors, as well as colleagues.

Consequences of mobbing

• You suffer increasingly from stress, nervousness, sleeplessness, self-doubt.

Mobbing happens in particular by:

• Exclusion in the company
• Cutting off communication channels (e-mail correspondence and circulars)
• Making social contacts impossible (Christmas party, birthday parties)
• Damage to personal reputation
• Ridiculing work performance in front of others
• Assignment of useless and unsolvable tasks
• Constantly shouting at or interrupting
• Isolation
• no more involvement in private conversations
• When no one says hello and everything is silent
• Spreading untruths and rumors
• deliberate denunciation to superiors.

In the following, I speak of female clients/employees, because they are more willing to bring about a change in the intolerable situation.

Often these come to me with the desire that the employer be punished and also that co-workers be protected from the employer's harmful conduct.

Difficulties of a Mobbingklage

Claims for bullying are claims for damages. The plaintiff must prove all the circumstances for the claim for damages.
Often there is a lack of written documents that could support the allegations of the plaintiff. Such evidence is deliberately avoided on the part of the mobbing party.
Mostly mobbing on the part of the superior without witnesses – in private – takes place. The plaintiff is not a witness, even if the facts are clear to her. It is a party to the proceedings.
As far as mobbing takes place in the presence of witnesses/colleagues, they are often not willing to stand up against the employer. They are put under pressure by the employer in the course of the proceedings and finally have no more courage to stand by them.
The supervisor is named and called as a witness by the employer, unless the supervisor is a manager and therefore a party to the case.
If it comes to the hearing of witnesses, there are usually statements for and against the presentation of the plaintiff. The following principle applies here:
If the plaintiff cannot prove the allegations, but there is testimony for and against the allegations, the allegations are considered unproven and the case is dismissed accordingly.

Exception

The court finds the testimony of the defendant's witnesses to be untrustworthy and the testimony of work colleagues to be credible.

Bullying diary

The court helps the mobbing victim under certain conditions:

Keeping a bullying diary for a period of 6 months with a day-by-day account of the incidents.
In my experience, a listing after the fact is usually worthless, since it already lacks the necessary temporal determination. This is necessary because the employer must have the opportunity to comment on the allegations and raise objections, such as: the supervisor was on a business trip on the alleged day. It cannot have come therefore to the alleged happening.

If the diary is carefully kept, the court will hear the plaintiff in person and consider whether the allegations are coherent and whether the plaintiff is credible in her presentation.

Examining witnesses

Then the court hears the plaintiff's witnesses, if any, the supervisor and the defendant's witnesses. If the defendant's witnesses give a coherent and credible account, it will be difficult for the plaintiff.
This brief description already shows the problems the plaintiff faces in successfully conducting such proceedings, even if the matter is clear to the plaintiff. Finally, she is permanently damaged by the mobbing and becomes ill.
Losing in the legal process weighs twice as heavily for the victim.

As witnesses for example work colleagues, customers or work council members can appear. It reads so easily, but anyone who has been affected knows how difficult it is to find people who will stand by you in a bullying situation. That's the tricky thing about bullying, that many people are involved in it and the bullied person is alone in the open. And if there should be such a witness, then its statements are not sufficient in itself. They would have to build on notes. But which nice colleague keeps a diary in which he writes down conspicuous situations of a concerned colleague to him? Especially since the testifying colleagues themselves must fear that the employer will punish them for their "squealing".

Insulting e-mails, messenger messages, letters or photos of notices in the company can also serve as evidence. But usually the mobbing happens subliminally and without tangible evidence. It's mental injuries that can't be proven medically. These violations make the victim vulnerable and also make it difficult to persevere in a protracted process. And that such a lawsuit will drag on is something the plaintiff must assume. He cannot expect a quick relief from his torment. In the head the thought of a Mobbingklage may help and as liberating blow after years of the Drangsalierung help. In reality, experience shows that things will unfortunately turn out differently.

About the sense of a mobbing complaint

Long duration of proceedings

In the first instance, before the labor court, the procedure will usually take a year or more due to the complexity (conciliation proceedings, chamber hearing, taking of evidence).
If the employer is defeated, it will usually go to the second instance, to the regional labor court. In the second instance, further factual and legal arguments can be made to the full extent, so that the second instance will also take many months, up to a year.
If the employer is defeated, he will try to appeal to the Federal Labor Court. In total, the duration of the proceedings for the clarification of the legal dispute is two to four years. D.h. concretely, important life time is taken from the complainant. In addition, the time of the mobbing. Often the complainants are women in their 50s. When things go badly, they lose valuable time to even find employment again.

Exception: Guterichterverfahren!

If both sides agree, proceedings can be conducted before a court of arbitration. In this case, however, there would be no admission of bullying on the part of the employer. This is something I have not yet experienced in my long career. If anything, in order to avoid a protracted legal dispute, an agreement will be reached on a basis that cannot satisfy the plaintiff.

Relentless harshness of the process

Mobbing lawsuits are conducted with unrelenting severity on the employer side. This is the most serious accusation imaginable in working life. There one can think about the sense of a Mobbingklage. The plaintiff is usually bad-mouthed, denigrated, insulted and accused of complete failure. The lawyer of the employer is usually "not squeamish" in the formulations, a merciless fight is waged against the plaintiff.

The plaintiff, already damaged and insecure by the bullying incident, is not capable of going through such a procedure. She feels deeply hurt and demoralized by the opposing lawyer's presentation. Again and again she reads the disparaging remarks of the opposing lawyer.
The plaintiff has no trial experience and does not have the necessary resilience. The impotence leads to an aggravation and consolidation of the disease, which usually accompanies the mobbing.

Costs of the proceedings

Such a procedure can be led only with occurrence of a legal protection insurance, otherwise also still another heavy financial damage threatens. The sense of a bullying complaint is in the room. Often, when the victim of mobbing goes to see a lawyer, he is told by the lawyer that the conditions for filing a mobbing complaint are not met, because there is already a lack of a carefully kept mobbing diary.

She must therefore first return to the company, keep a bullying diary for six months and only then initiate legal proceedings.
Here, too, the approach to a positive development is aborted and the victim is even advised to allow himself to be tortured for another six months.

Does a bullying lawsuit make sense at all?

Conclusion

The mobbing victim/client wants a change in the intolerable situation at work. As a first step in this direction, she seeks the lawyer and is dragged into years of proceedings or sent back to the sickening work environment.
In the end, it is sicker and less stable than before seeing the lawyer, often permanently damaged and unable to work.
This applies even if the proceedings have been successful and the employer has been convicted.
The positive impulse for change is slowed down by the harshness and duration of the proceedings and entails incalculable health and financial risks.
It is therefore necessary to clarify at the outset the meaning of a complaint of harassment. It may make more sense for a victim of bullying to seek a new career perspective. My way out of this dilemma I explain here. 

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By judgment of 27. November 2015, the Eleventh Senate of the Lower Saxony-Bremen Regional Social Court ruled that motor vehicle liability insurance must be deducted from the income of a basic income support recipient even if the recipient is merely the keeper and not the owner of the vehicle or the policyholder of the liability insurance policy.

As a result, the income of the basic security recipient is to be credited to a lesser extent against his or her unemployment benefit II entitlement, which increases the amount of unemployment benefit II paid out.

Jobcenter does not recognize contributions for car insurance

The plaintiff was a recipient of basic social security benefits who received child benefit and supplementary unemployment benefit II. The defendant Jobcenter considered the child benefit as income, from which an insurance lump sum of 30 euros was deducted.

The remaining amount was deducted as income from the woman's entitlement to unemployment benefit II. The plaintiff did not agree with this method of calculation. You also wanted to have the premiums for a motor vehicle liability insurance policy deducted from the income, so that only a smaller amount of your own income should be counted towards the basic income support entitlement.

This would increase the entitlement to unemployment benefit II. It is undisputed that the motor vehicle is registered in the name of her mother and that she is also the policyholder, but she herself is the owner of the vehicle, uses it alone and also pays the insurance premiums. In the first instance, the plaintiff was unsuccessful. With judgement of 12. June 2013, the Social Court of Hanover dismissed the claim.

Beneficiary does not have to be the owner of the vehicle

Reversing the decision of the Social Court, the Lower Saxony-Bremen Regional Social Court stated in its ruling that, in addition to the flat-rate insurance allowance of 30 euros per month, contributions for legally required private insurance, such as motor vehicle liability insurance, are separately deductible from income.

For this to be the case, the Ninth Senta judges* said, it is not necessary that the beneficiary be the owner of the vehicle or the policyholder of the automobile liability insurance policy, or that the vehicle be registered to him or her. It is sufficient if the policyholder is the owner of the vehicle, i.e. if he actually uses the vehicle himself and also demonstrably bears all costs associated with the operation of the vehicle.

A recipient of unemployment benefits is allowed to take advantage of the financial benefits that can occur when the owner of a vehicle is not the policyholder, just like anyone else.

Beneficiary may be eligible for benefits related to holder status

Unambiguously the national social court pointed out that the opinion of the job center, according to which only the policyholder can deduct the contributions of the motor vehicle insurance, finds no support in the law.

The SGB II basically allows every person entitled to benefits who is capable of working an appropriate motor vehicle without a necessity test, since this serves to promote mobility and thus to facilitate the taking up of employment. In this respect, it must also be possible for the beneficiary to claim the benefits in connection with the holder's status.

Due to the fundamental importance of the case, the Lower Saxony-Bremen Regional Social Court allowed an appeal to the Federal Social Court.

Annotation:

The deduction of premiums for a motor vehicle liability insurance from the income of the beneficiary in accordance with § 11 para. 2 sentence 1 no. 3 Social Code II (old version), § 11 para.1 sentence 1 no. 3 Social Code II (new version) does not require that the beneficiary be the policyholder of the motor vehicle liability insurance taken out for the relevant vehicle.

It is therefore sufficient that he is holder. The owner of a vehicle is the person to whom the vehicle in question is given for his or her own use on a more than very temporary basis and who actually pays for all costs associated with the operation of the vehicle.

Because the claimant met these requirements, the outcome of the state welfare court's decision that she can claim benefits related to holder status is a welcome one.

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