A replacement car with OC offender

A replacement car with OC offender

Obtaining a replacement car when our vehicle is not usable as a result of an accident or collision is not necessarily associated with any additional costs. Who and on what basis do you have a replacement car from the OC of the perpetrator? For a long time insurers did not want to pay for replacement car rental. When insurance companies covered costs, they did it only for people running a business. However, the case is now clear – it was…

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Personalized payment card

Personalized payment card

  Do you want your payment card to be just as unique as you? It’s possible! More and more banks face the expectations of their clients and offer them the opportunity to receive personalized payment cards. What does this type of service consist of? Usually, when we receive a payment card, it has a standard graphic design for a given bank. Usually, on the card, there is a bank logo. However, when you want to stand out, in this case,…

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Irregular income and saving

Irregular income and saving

  Regular saving allows you to collect money for retirement or for learning for children. The longer the regular saving time, the much larger sums of money can be saved even with the small sums of money deposited on a monthly basis. It is much more difficult to save regularly when irregular incomes are obtained. An increasing number of people receive irregular income. This applies, among other things, to the different size of income generated on a monthly basis or…

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Term deposit or savings account?

Term deposit or savings account?

When you have a surplus of funds in the form of savings, you should consider storing funds in a way that allows you to make profits. Such options are provided by banks with financial products such as term deposits and savings accounts. Both types of financial products have their pros and cons, so you should read them when choosing a specific product. If you want to store your funds in a bank and at the same time get additional money…

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Restoration to work – when it is possible by law?

Restoration to work – when it is possible by law?

Not always dismissal is carried out in a manner that is consistent with the provisions of labor law. In such cases, the employee may apply for restoration to work. Such opportunities are available to employees who, among other things, lost their job as a result of the termination of an employment contract concluded for an indefinite period and the employer violated the provisions on termination of employment contracts or did not provide justification. The solution to work by the employer…

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How to check if the testator had debts?

How to check if the testator had debts?

You find out that a loved one has left you in decline. However, you do not really know what comes into its composition. Usually, when we get a drop, we think that we will get a lot out of it. However, it can actually be the opposite – in the fall can be long. How can we check if the testator was in debt? In the legacy, we can get all kinds of debts. Most often these are debts related…

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The loan in fine: what advantages?

The loan in fine: what advantages?

The loan in fine allows you to realize tax savings if your wealth is important. The Lombard loan meanwhile, is either unknown to the public, is associated with tax evasion. Yet it is not limited to this use! This article explains how these two types of loans work, and how they are used. 1. What differences exist between the in-fine loan and the Lombard loan? What is a loan in fine? In a loan in fine , the borrower only…

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KRD and BIK – list of debtors

KRD and BIK – list of debtors

  When we do not repay our obligations in a timely manner or we stop regulating them at all, we are exposed not only to various types of penalties but also to entering into debtors’ lists. When we are on such a list, then our chances of getting any loans, credits or signing subscription contracts decrease. The most popular debtors’ databases operating in Poland are BIK and KRD. They operate independently of each other and do not exchange their data….

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Contract for specific work – when applicable?

Contract for specific work – when applicable?

Civil law contracts as contracts for specific work are commonly used in the labor market. This is due, among other things, to the much greater flexibility of such contracts in relation to contracts of employment, which is sometimes important for companies in certain industries. However, it is not always possible to apply the work contract legally. Contracts for specific work are contracts that are civil law contracts and also contracts classified as so-called result contracts. Such an agreement has a…

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How to check your scoring in BIK?

How to check your scoring in BIK?

  Checking information at BIK before applying for a loan allows you to avoid a situation in which you have a negative history at BIK and you will not be able to get a loan. Then, applying for a loan is a waste of time and you have to decide to use other financial products such as loans provided without checking the information in BIK. At the same time, checking the information in the BIK allows scoring the scoring.  …

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