Finance & Law

Finance & Law

18.06.2025 Sabrina Ludwig 666

Recognize employee debt - and support them as a manager!

Employees who have debts are under a lot of mental pressure and often perform less well. Tips on how you as a manager can talk to the employee concerned.

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

Finance & Law

03.06.2025 Sabrina Ludwig 11826

Money and relationships: Fair finances in a partnership

How to communicate openly about money in a relationship, what fair financial models and state support are available for families, and how to avoid arguments.

Parents sit on the sofa laughing with their two toddlers

Finance & Law

23.05.2025 Ifenna Ekezie 5481

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 4038

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.

07.11.2024

How to protect your Christmas bonus from garnishment!

Finance & Law

Finance & Law

07.11.2024 Sabrina Ludwig 14444

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 750 euros.

29.01.2024

Financial help and support for cancer

Finance & Law

Finance & Law

29.01.2024 Gabriele Strasser 29103

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 12701

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 12009

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 36522

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 8842

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 11293

When are you considered overindebted?

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

26.08.2022

Running out of money: what to do? | Cheerful to stormy

Finance & Law

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

Finance & Law

26.08.2022 Isabel Hempel 8479

Running out of money: what to do? | Cheerful to stormy

Episode 3: How can we prepare for the rising cost of living?

20.03.2022

Your first apartment: tips on how to save money!

Finance & Law

Young people sitting at the kitchen table in a shared flat

Finance & Law

20.03.2022 Sabrina Ludwig 12522

Your first apartment: tips on how to save money!

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

03.02.2022

How women can finally become financially independent

Finance & Law

Finance & Law

03.02.2022 Josephin Hartmann 13710

How women can finally become financially independent

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

14.01.2022

Sexual harassment in the home office: what you can do

Finance & Law

14.01.2022 Josephin Hartmann 8543

Sexual harassment in the home office: what you can do

What you can do if you are sexually harassed via webinar or chat.

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 16689

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 9024

Corona and loss of earnings: How you can save money

The latest regulations and decisions on state subsidies.

22.04.2021

Pension provision: Don't fall into the pension trap

Finance & Law

22.04.2021 Sabrina Ludwig 8405

Pension provision: Don't fall into the pension 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 6946

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 3899

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 3056

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 3228

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
__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
_ga	Used to differentiate between users.	2 years	Cookie	google.com
_gid	Used to differentiate between users.	24 hours	Cookie	google.com
_gat	Used to throttle the request rate. If Google Analytics is provided via the Google Tag Manager, this cookie is given the name _dc_gtm_	1 minute	Cookie	google.com
AMP_TOKEN	Contains a token that can be used to retrieve a client ID from the AMP client ID service. Other possible values are Opt-Out, Inflight Request or an error when retrieving a Client ID from the AMP Client ID service.	30 seconds to 1 year	Cookie	google.com
_gac_	Contains campaign-related information for the user. If you have linked your Google Analytics and Google Ads accounts, this cookie will be read by the conversion tags on the Google Ads website unless you opt out. Learn more.	90 days	Cookie	google.com
__utma	Used to distinguish users and sessions. The cookie is created when the Javascript library is executed and no __utma cookies are present. The cookie is updated every time data is sent to Google Analytics.	2 years	Cookie	google.com
__utmt	Used to throttle the request rate.	10 minutes	Cookie	google.com
__utmb	Used to determine new sessions / visits. The cookie is created when the Javascript library is executed and no __utmb cookies are present. The cookie is updated every time data is sent to Google Analytics.	30 minutes	Cookie	google.com
__utmz	Saves the access source or campaign that shows how the user reached your website. has reached your website. The cookie is created when the Javascript library is executed and is updated each time data is sent to Google Analytics. data is sent to Google Analytics.	6 Months	Cookie	google.com
__utmv	Used to store custom variable data at visitor level. This cookie is created when a developer uses the _setCustomVar method with a visitor-level custom variable. custom variable at visitor level. This cookie was also used for the deprecated _setVar method. The cookie is updated every time data is sent to Google Analytics.	2 years	Cookie	google.com
__utmx	Used to determine the involvement of a user in an experiment.	18 Months	Cookie	google.com
__utmxx	Wird verwendet, um den Ablauf von Experimenten zu bestimmen, in die ein Benutzer einbezogen wurde.	18 Months	Cookie	google.com
_gaexp	Used to determine the inclusion of a user in an experiment and the course of experiments in which a user has been included. experiments in which a user has been included.	Depends on the length of the experiment, but usually 90 days.	Cookie	google.com
_opt_awcid	Used for campaigns that are assigned to Google Ads customer IDs.	24 hours	Cookie	google.com
_opt_awmid	Used for campaigns that are assigned to Google Ads campaign IDs.	24 hours	Cookie	google.com
_opt_awgid	Used for campaigns that are assigned to Google Ads Ad Group IDs.	24 hours	Cookie	google.com
_opt_awkid	Used for campaigns that are assigned to Google Ads Criterion IDs.	24 hours	Cookie	google.com
_opt_utmc	Saves the last query parameter utm_campaign.	24 hours	Cookie	google.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