Finance & Law

A couple is sitting at the table, delighted by a positive pregnancy test

Finance & Law

12.08.2026 Ifenna Ekezie 6236

2027 Parental Leave Reform: What Might Change

What changes might the planned 2027 parental leave reform bring? pme Elternberatung provides an overview of the current situation, highlights potential impacts on families, and explains how companies can support families.

Two young people are sitting at a desk with documents, working on their personal retirement planning

Finance & Law

16.07.2026 Sabrina Ludwig 1096

The Best Private Retirement Plan for Those Starting Their Careers: Start Saving at Age 20

It's worth setting up a private retirement plan starting at age 20. With 25 euros a month, you can build up a substantial nest egg.

A young woman stands in her first apartment of her own, with boxes behind her

Finance & Law

16.06.2026 Sabrina Ludwig 24266

How much will my first apartment cost?

Whether shared flat, hall of residence or alone: We give you tips on what costs you will incur and how you can save.

17.02.2026

Planning for Private Retirement: How to Make It Fit Into Your Daily Life

Finance & Law

A couple is delighted with their private pension plan.

Finance & Law

17.02.2026 Sabrina Ludwig 4940

Planning for Private Retirement: How to Make It Fit Into Your Daily Life

Retirement provisions can be structured in such a way that they fit quietly and unobtrusively into your everyday life and do not have to be constantly present.

20.11.2025

All-day support law: what parents should know

Finance & Law

Teacher laughingly gives pupils a high five

Finance & Law

20.11.2025 Ifenna Ekezie 13444

All-day support law: what parents should know

The All-Day Support Act ensures that first graders are entitled to all-day care; from 2029/30, this will apply to all grades 1-4.

14.11.2025

More child benefit & co. for families: changes in 2026

Finance & Law

Parents with two children sit laughing together on the floor in the living room

Finance & Law

14.11.2025 Ifenna Ekezie 205340

More child benefit & co. for families: changes in 2026

From January 2026, child benefit, child allowance and the minimum wage will increase, as will the earnings limit for mini-jobs.

27.10.2025

How to protect your Christmas bonus from garnishment!

Finance & Law

A piggy bank hung with a colorful string of lights

Finance & Law

27.10.2025 Sabrina Ludwig 42253

How to protect your Christmas bonus from garnishment!

If you have financial problems and debts, you can still be happy: the Christmas bonus is protected from seizure up to 780 euros.

18.07.2025

Financial wellbeing in the company pays off

Finance & Law

Woman calculating something at her desk with a laptop in the office

Finance & Law

18.07.2025 Sabrina Ludwig 10634

Financial wellbeing in the company pays off

Companies that actively promote financial wellbeing create real added value for their team - and strengthen their employer brand at the same time.

18.06.2025

How to recognize employee debt

Finance & Law

Employee is in discussion with his manager about debts

Finance & Law

18.06.2025 Sabrina Ludwig 10922

How to recognize employee debt

Tips on how you as a manager can talk to the employee concerned.

03.06.2025

Money and relationships: Fair finances in a partnership

Finance & Law

Father sits on the living room floor with his daughter and plans finances

Finance & Law

03.06.2025 Sabrina Ludwig 49549

Money and relationships: Fair finances in a partnership

How to communicate openly, what fair financial models and state support are available for families, and how to avoid disputes.

23.05.2025

New naming law: What applies from May 2025?

Finance & Law

Parents sit on the sofa laughing with their two toddlers

Finance & Law

23.05.2025 Ifenna Ekezie 55140

New naming law: What applies from May 2025?

Since May 1, 2025, the new naming law allows more flexibility when choosing a double name.

21.02.2025

75 years of Peter Zwegat: Debt is not taboo!

Finance & Law

A man and a woman are sitting at the table. She is happily shaking the piggy bank and he has coins in his hand and is laughing.

Finance & Law

21.02.2025 Sabrina Ludwig 15806

75 years of Peter Zwegat: Debt is not taboo!

Debt is not embarrassing. Peter Zwegat's show "Raus aus den Schulden" (Get out of debt) made debt counselling popular and removed the taboo surrounding it. Today would be his 75th birthday.

29.01.2024

Financial help and support for cancer

Finance & Law

Finance & Law

29.01.2024 Gabriele Strasser 62072

Financial help and support for cancer

Home help, disability pass, exemption from co-payments and more: an overview of help with cancer.

08.01.2024

Change in the law: what will change in 2024

Finance & Law

Finance & Law

08.01.2024 Christin Müller 23645

Change in the law: what will change in 2024

These changes for employers and employees will come into force in 2024.

27.10.2023

Applying for citizen's allowance: the most important facts in brief

Finance & Law

Two people with laptops, two hands between them, handing each other money

Finance & Law

27.10.2023 Sabrina Ludwig 27723

Applying for citizen's allowance: the most important facts in brief

The most important facts about the Citizen's Income in brief. You can also find out what is changing and what you need to bear in mind.

12.06.2023

How can I apply for housing benefit (Plus)?

Finance & Law

Close-up of female reading hands typing on a laptop keyboard

Finance & Law

12.06.2023 Sabrina Ludwig 76754

How can I apply for housing benefit (Plus)?

When you get housing benefit (Plus), how much and how you can apply for it.

19.01.2023

Reduce debt: Tips on how to become debt-free quickly

Finance & Law

A pregnant woman and her husband sit on the sofa with bills and try to get an overview of their finances

Finance & Law

19.01.2023 Sabrina Ludwig 18810

Reduce debt: Tips on how to become debt-free quickly

We show you what steps you can take to become debt-free again.

09.01.2023

When are you considered overindebted?

Finance & Law

A piggy bank is broken open and the coins inside can be seen

Finance & Law

09.01.2023 Sabrina Ludwig 20831

When are you considered overindebted?

Simply explained: When are you considered overindebted? What is the difference between indebted and overindebted?

26.08.2022

Episode 3: Running out of money: what to do?

Finance & Law

Podcast graphic of episode 3 with the characters Olli Schmidt and Karin Lohse

Finance & Law

26.08.2022 Isabel Hempel 14813

Episode 3: Running out of money: what to do?

The third episode of our podcast is all about money. How can we prepare for the rising cost of living?

03.02.2022

How women can finally become financially independent

Finance & Law

Finance & Law

03.02.2022 Josephin Hartmann 19355

How women can finally become financially independent

Money coach Dani Parthum empowers women in all aspects of finance.

14.12.2021

Wage garnishments: A lot of work for the employer

Finance & Law

Female manager sits in home office with a wage garnishment in her hand

Finance & Law

14.12.2021 Sabrina Ludwig 31924

Wage garnishments: A lot of work for the employer

Wage garnishments cause costs and time. Preventive programs can avoid employee debt.

09.12.2021

Corona and loss of earnings: How you can save money

Finance & Law

Finance & Law

09.12.2021 Sabrina Ludwig 15058

Corona and loss of earnings: How you can save money

The latest regulations and decisions on state subsidies.

22.04.2021

Retirement Planning for Women: Don't Fall Into the Retirement Trap

Finance & Law

22.04.2021 Sabrina Ludwig 14227

Retirement Planning for Women: Don't Fall Into the Retirement Trap

What is the best way to invest money for old age? Guest article by Dani Parthum, money coach and financial blogger.

10.07.2020

Against poverty in old age: the basic pension is coming!

Finance & Law

Finance & Law

10.07.2020 Gabriele Strasser 13000

Against poverty in old age: the basic pension is coming!

More pension for low earners: the basic pension is coming in 2021. Information on entitlement and amount.

15.07.2019

Off to the vacation program!

Finance & Law

Finance & Law

15.07.2019 Gabriele Strasser 4150

Off to the vacation program!

What makes our vacation programs a special experience? An interview with vacation professional Jenny Hold.

08.06.2018

24/7 hotline for our Lernwelten parents

Finance & Law

Finance & Law

08.06.2018 Gabriele Strasser 3321

24/7 hotline for our Lernwelten parents

Round-the-clock advice on difficult life situations and parenting issues.

07.11.2017

Maternity nannies: For a good start after the birth

Finance & Law

Finance & Law

07.11.2017 Gabriele Strasser 3483

Maternity nannies: For a good start after the birth

The first time with a baby is exhausting. Maternity nannies take the pressure off and encourage an early return to work.

Name	Intended use	Storage duration	Type	Hostname
JSESSIONID	Reference to the current user session	Session	Cookie	liferay.com
LFR_SESSION_STATE_	Status of the current Liferay session(s)	Session	Cookie	liferay.com
COOKIE_SUPPORT	Enables downloads in Internet Explorer with https.	365 days / 1 year	Cookie	liferay.com
GUEST_LANGUAGE_ID	The standard language of the visitor	365 days / 1 year	Cookie	liferay.com
COMPANY_ID	The identification number of the Liferay portal instance	365 days / 1 year	Cookie	liferay.com
ID	The userId and the key of the portal instance combined and encrypted	365 days / 1 year	Cookie	liferay.com
LOGIN	The user ID required for login (ID, e-mail address, user name), encrypted	365 days / 1 year	Cookie	liferay.com
PASSWORD	The key of the portal instance and the user password combined and encrypted	365 days / 1 year	Cookie	liferay.com
REMEMBER_ME	This cookie is used to store whether the user selected "Save login data" when logging in. This cookie exists either with the value "true" or not at all.	365 days / 1 year	Cookie	liferay.com
SCREEN_NAME	The key of the portal instance and the user name are combined and encrypted	365 days / 1 year	Cookie	liferay.com
liferay.chat.messages	Has the chat messages from the chat-web module* stored, by default deactivated.	Permanent	Local storage	liferay.com

Name	Intended use	Storage duration	Type	Hostname
ACCEPT_COOKIE_CONSENT	Stores the names of all accepted cookies	365 days / 1 year	Cookie	comundus.com
READ_COOKIE_BANNER	cookie is created automatically after saving the data protection settings and contains the version number of the current data protection settings.	365 days / 1 year	Cookie	comundus.com
VISITOR_ID	This cookie is used for anonymous logging of user-specific cookie settings.	365 days / 1 year	Cookie	comundus.com

Name	Intended use	Storage duration	Type	Hostname
uslk_s	This cookie defines a unique session ID. It ensures that the entries made by the chat user's entries are not lost during the website visit.	Browser session	Cookie	my.familienservice.de
uslk_e	The cookie stores a unique identifier for each chat session so that the user can be recognized when recognized and, if possible, connected to the operator from the previous session. can be connected.	1 year or 1 day within the LLC product area	Cookie	my.familienservice.de

Name	Intended use	Storage duration	Type	Hostname
Slido.EventAuthTokens	Technically, required for their infrastructure. (Cookie holds a token to verify the login session etc. ...)	up to 10 years	Cookie	app.sli.do
JSESSIONID	You use the New Relic service to monitor the uptime\downtime status of our websites.	Session	Cookie	nr-data.net
LaVisitorId_*	Provides customer support to visitors. This cookie enables the website to recognize the visitor in order to optimize its response.	Session	Cookie	app.sli.do
_gaexp	Google Optimize is used to track your engagement when testing how you respond to one page or piece of content versus another, like an A/B split test. This involves half of the people who visit their website seeing one web page and the other half seeing an alternative version so they can test which version performs best.	Depending on the length of the experiment, but typically 90 days.	Cookie	sli.do
_ga	These cookies collect information about how visitors use the website, such as where they come from and how many and for how long they visit the website. The cookies collect information in a way that does not directly identify anyone.	2 years	Cookie	sli.do
Slido.Privacy	Technically, required for their infrastructure. (Cookie holds a token to verify the login session etc. ...)	up to 10 years	Cookie	sli.do
_passenger_route	Technically, required for their infrastructure. (Cookie holds a token to verify the login session etc. ...)	up to 10 years	Cookie	sli.do
_gid	These cookies collect information about how visitors use the website, such as where they come from and how many and for how long they visit the website. The cookies collect information in a way that does not directly identify anyone.	2 years	Cookie	sli.do
_persistenceTest	Technically, required for their infrastructure. (Cookie holds a token to verify the login session etc. ...)	up to 10 years	Cookie	sli.do

Name	Intended use	Storage duration	Type	Hostname
APISID	This cookie is used by Google to display personalized advertising on Google websites, based on recent searches and previous interactions.	2 years	Cookie	google.com
NID	This cookie is used by Google to display personalized advertising on Google websites, based on recent searches and previous interactions.	6 Months	Cookie	google.com
ANID	This cookie is used by Google to display personalized advertising on Google websites, based on recent searches and previous interactions.	20 Months	Cookie	google.com
DSID	This cookie is used by Google to display personalized advertising on Google websites, based on recent searches and previous interactions.	20 Months	Cookie	google.com
FLC	This cookie is used by Google to display personalized advertising on Google websites, based on recent searches and previous interactions.	20 Months	Cookie	google.com
AID	This cookie is used by Google to display personalized advertising on Google websites, based on recent searches and previous interactions.	20 Months	Cookie	google.com
TAID	This cookie is used by Google to display personalized advertising on Google websites, based on recent searches and previous interactions.	20 Months	Cookie	google.com
exchange_uid	This cookie is used by Google to display personalized advertising on Google websites, based on recent searches and previous interactions.	20 Months	Cookie	google.com
SID	This cookie is used by Google to authenticate users, prevent fraudulent use of login information of login information and to protect user data from unauthorized access.	2 years	Cookie	google.com
1P_JAR	These cookies are used by Google to display personalized advertising on Google websites based on recent searches and previous interactions.	1 month	Cookie	google.com
SIDCC	This cookie is used by Google to display personalized advertising on Google websites, based on recent searches and previous interactions.	1 year	Cookie	google.com
HSID	This cookie is used by Google to authenticate users, prevent fraudulent use of login information login information and to protect user data from unauthorized access.	2 years	Cookie	google.com
SSID	This cookie is used by Google to collect user information for videos hosted by YouTube. hosted by YouTube.	2 years	Cookie	google.com
SAPISID	This cookie is used by Google to collect user information for videos hosted by YouTube. hosted by YouTube.	2 years	Cookie	google.com
CONSENT	This cookie is used to track consent to the use of cookies.	25 years	Cookie	google.com
SEARCH_SAMESITE	This cookie is used to prevent the browser from sending this cookie together with cross-site requests. sending cross-site requests.	4 Months	Cookie	google.com

Name	Intended use	Storage duration	Type	Hostname
vuid	Collects data from users about their visit and the pages accessed.	2 years	Cookie	vimeo.com
aka_debug	Saved when you watch or share a video. With the help of these cookies, the available bandwidth is recognized, the number of page views is page views are marked, the sharing of a video is enabled and the language is recognized.	Session	Cookie	vimeo.com
player	Saves the user's preferences when playing embedded videos from Vimeo.	1 year	Cookie	vimeo.com
muxData	Wird in Verbindung mit einem Videoplayer verwendet. Wenn der Besucher beim Anzeigen von Videoinhalten unterbrochen wird, merkt sich das Cookie, wo das Video gestartet werden soll, wenn der Besucher das Video erneut lädt.	20 years	Cookie	vimeo.com

Name	Intended use	Storage duration	Type	Hostname
__cf_bm	Used to identify and mitigate automated traffic, to protect our website from malicious bots.	30 minutes	Cookie	canva.com
_cfuvid	Used so that the Cloudflare WAF can distinguish individual users with the same IP address. Visitors who do not specify the cookie are likely to be grouped for rate limiting, and may not be able to access the website if there are many other visitors with the same IP address.	Session	Cookie	canva.com
cf_clearance	Used to manage the security captcha process and stores details about the success about the success of a captcha attempt.	1 year	Cookie	canva.com
ASI	We set these cookies for essential purposes. They are used for security and authentication purposes.	30 minutes	Cookie	canva.com
CCK	We set these cookies for essential purposes. They are used for security and authentication purposes.	3 hours	Cookie	canva.com
CDI	We set these cookies for essential purposes. They are used for security and authentication purposes.	1 year	Cookie	canva.com
CPA	We set these cookies for essential purposes. They are used for security and authentication purposes.	3 hours	Cookie	canva.com

Name	Intended use	Storage duration	Type	Hostname
_GRECAPTCHA	Necessary cookie for the purpose of reCAPTCHA risk analysis.	Session	Cookie	recaptcha.net
rc::a	Filters requests from bots	Unlimited	Local storage	recaptcha.net
rc::c	Filters requests from bots	Unlimited	Local storage	recaptcha.net
rc::b	Filters requests from bots	Unlimited	Local storage	recaptcha.net