Tax declaration 2015: Worth a tax consultant or rather make the tax return yourself?

May 31 is getting closer and closer – the deadline for filing the 2015 tax return.

Tips and decision support for your tax declaration 2015, which should be at the tax office 

Tips and decision support for your tax declaration 2015, which should be at the tax office 

So it’s about time to see if and how you’re filing the tax return. The following quick overview shows cases in which you are required to:

 

Who, for example, is obliged to file the 2015 tax return

Who, for example, is obliged to file the 2015 tax return

  • Joint couples, in which both partners are employed, use the tax code combination III / V.
  • Employees with additional income exceeding € 410.
  • Employees who were simultaneously employed by several employers.
  • Anyone who earns full-time or part-time income from self-employment must, in principle, submit their annual tax return.

But even if you are not obliged to pay, it is always worthwhile to do the annoying work. On average, employees can expect a refund of around € 800. Fast earned money, then!

The question is then immediately: Is a tax adviser worthwhile or do I rather make the tax declaration myself?

If you look at a disorderly stack of receipts, bills and papers for a whole year and then also keep an eye on the complicated online forms of the tax return, you easily get the idea: “That’s what the professional should do!”

But beware: The costs can quickly eat up the tax refund. For tax returns, the tax consultant will quickly pay a fee of € 700 for medium incomes. In the meantime, there are a whole series of tax programs that guide you step by step through the tax declaration and automatically fill in the complicated forms. Such programs usually cost around 30 €.

Your Decision Support: Is a Tax Consultant Worthwhile?

Your Decision Support: Is a Tax Consultant Worthwhile?

Yes,

  • if you do not want to get involved in tax matters;
  • if the fee is not an obstacle, perhaps because you expect a larger reimbursement;
  • if the tax circumstances are so complicated that you would risk mistakes if you do it alone.

No,

  • if you want a good overview of your finances;
  • if there are no particularly complicated tax issues;
  • if you only expect an average refund.

Tip: As an employee, you also have the opportunity to use the support and advice of a Good Lending. This is usually cheaper than the fee of a tax consultant. In any case, you should now deal with the 2015 tax return.

Can I Cancel Life Insurance From Credit?

Anyone who has personal credit should have asked this question himself a few times. After you have the credit in progress, is it possible to cancel the life insurance of the credit? In this article we will answer this and other questions, which comes to mind every month when it comes time to pay another installment of credit.

 

What Is Life Insurance?

What Is Life Insurance?

Very briefly, a life insurance is a contract that guarantees the payment of a certain financial amount in the event of a claim that causes death to the invalidity of its owner. For more detail we suggest you look at the differences between ITP and IAD.

 

Can I Cancel Life Insurance?

Can I Cancel Life Insurance?

The answer to the question depends on the type of credit agreement. In the case of housing credit banks usually require their client to have life insurance (there are some cases where it is exempt, but they are residual). We recently wrote an article on moving home life insurance and we have shown that it is possible to save money on insurance even if there is a rise in the spread.

In the case of personal credit, it is possible to cancel life insurance but provided that the policy provides for monthly payments throughout the contract. Thus, if you pay the full life insurance premium at the beginning of the contract, incorporating the total premium amount into the credit itself, you can not cancel the insurance. Incidentally, it is not by chance that some banks require that the life insurance premium be paid in full at the beginning of the contract.

If you settle the credit, you may recover the amount of the premium for unused time. However, as a rule, you have to ask the insurance company to reimburse you otherwise … many insurers use the policy of forgetting …

 

Can I cancel life insurance?

Can I cancel life insurance?

We can always make life insurance that covers a certain amount in the event of a claim. What happens is that some specify that the beneficiary is the bank and others that the beneficiary is the safe person or their heirs. So, since you pay the premium you can always take out life insurance.