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Corona will remain with the Germans for a time, but the after-effects of the pandemic will continue to change. The renewed increase in the number of infections is also fueling concerns about infection by infected travelers. Therefore, there are drastic changes in the change of month.
New travel advisories
The Covid-19 global travel warning, which affected all countries outside of Europe, expires at the end of the month. As of October 1, comprehensive and differentiated travel and safety information and travel warnings will be applied again for each country, according to the Federal Foreign Ministry. However, in accordance with this, a travel advisory for unnecessary tourist trips still applies in principle to all countries that are classified as risk areas by the federal government.
Obligation of proof for returnees from risk areas
Anyone entering Germany from a risk zone must be quarantined for 14 days from October 1, according to the federal government. Those affected can also shorten the period to five days if they can demonstrate a negative Sars-CoV-2 test result. This test is free for those who return from risk areas within ten days of entry.
Anti-money laundering regulations
The name should be in the index: The “Ordinance and basis of the events that are reportable under the Money Laundering Act in the real estate sector (Ordinance on the registration of the Money Laundering Act – Real Estate – GwGMeldV Real Estate ) “goes into effect on October 1.
As the word monster says, the goal is to shed light on money laundering practices in real estate transactions by making legal professionals subject to more stringent reporting requirements.
According to the federal government, they are lawyers, notaries, auditors or tax advisers. As soon as certain, standardized facts arise that show anomalies with a view to a possible connection with money laundering, these professionals must report it in the future to the Central Office for Investigations of Financial Transactions (UIF).
The Federal Government wants to counteract the increased risk of money laundering in the real estate sector and strengthen the framework to combat money laundering and terrorist financing. The real estate sector emerged from the National Risk Analysis, which was published in the fall of 2019, as an area with particular risks of money laundering.
Higher grants for dentures
Starting October 1, those with mandatory health insurance will get more money from their health insurance for dental prosthetics, according to the Federation of German Consumer Organizations. The fixed allowance then increases from 50 to 60 percent of the so-called standard care; This is the basic care agreed to by all legal medical insurance, covering all necessary services, from single tooth spaces to full dentures.
Additional extras, such as ceramic for crowns or bridges or a gold inlay, still have to be paid for out of pocket.
Anyone who can show from their bonus booklet that they have been to dental checkups every year will also receive a higher bonus starting in October. The cash grant is then increased from 60 to 70 percent for a bonus brochure kept for five years and from 65 to 75 percent for a bonus brochure kept for ten years.
There is an exception: the health insurance company can increase the contribution to 75 percent even if the checkup has only been missed once in the last ten years.
Reduction of waiting time for debtors
Whether personal bankruptcy or bankruptcy, until now, debtors had to wait up to six years after the insolvency proceedings began before they could obtain a discharge of the remaining debt. This period is reduced to three years for all insolvency proceedings as of October 1.
According to the Minister of Justice, Christine Lambrecht (SPD), in future it should no longer be necessary for debtors to repay their liabilities in a certain amount for a discharge of residual debt. However, they would have to continue to fulfill certain duties and obligations in order to obtain discharge of their outstanding debts, for example, to seek gainful employment or to attempt to do so.
Furthermore, debtors would be more involved in the so-called business conduct phase to deliver the assets acquired. In addition, a new reason will be created to deny residual debt forgiveness if inappropriate liabilities are established in the conduct phase.
The shortening of the procedure will be initially limited to June 30, 2025. During this period, the effects on the application, payment and economic behavior of consumers will be evaluated. The reduction of the residual debt forgiveness procedure should be applied to all insolvency proceedings that are requested as of October 1, 2020.
Lambrecht: “This means that debtors who have become insolvent as a result of the Covid 19 pandemic can also be supported with a new economic start.” For insolvency proceedings filed on or after December 17, 2019, the current six-year process must be used. be shortened monthly.
Extended bankruptcy protection
With the change of month, the suspension of the obligation to file for bankruptcy should also end within three weeks of the beginning of the insolvency. But this exemption, imposed with the start of the crown blockade, was extended until the end of the year.
However, this should only apply to companies that are over-indebted as a result of the Covid 19 pandemic without being insolvent, according to the Federal Ministry of Justice. Unlike insolvent companies, over-indebted companies have the potential to permanently avoid insolvency.
Bravely to the hedge
The hedge ban ends on September 30. This is prescribed by the Federal Law of Conservation of Nature. Since the beginning of March it is not allowed to “cut hedges or put them on the pole”, that is to say to cut them off the ground, to protect birds, small animals and insects. The law only allowed the so-called cut of form and care. Now you can use the hedge trimmer with more courage.
Change to “winter time”
On Sunday, October 25, clocks will be set back from daylight saving time to Central European time (also known colloquially as winter time). After 2.59 am, it is not 3 am, but 2 am again.
The rule: Central European summer time begins on the last Sunday in March at 2:00 a.m. Central European time, with the time counting forward one hour from 2:00 a.m. to 3:00 a.m., and ends the last Sunday in October when the time is added again. The regulation has existed in Germany since 1981. It was not until 1996 that the EU states harmonized their summer time regulations.
Plans by the EU Commission to abolish daylight saving time have faded into the background. The Von der Leyen Commission is sticking to the Juncker Commission’s plan to abolish the time change, he said in Brussels. However, the transport ministers responsible for the issue in the Council have not yet reached an agreement.
Parliament supported the proposal to abolish the semi-annual time change. For the Commission proposal to become law, the Council and Parliament would have to reach an agreement. April 1, 2021 is still the expected date for the end of the change.
Therefore, the last change to daylight saving time would occur at the end of March 2021. But during the Corona crisis, the issue was delayed even further, so this plan should be questioned today.
The old tire rule forces you to act
Winter tires are best for driving from October to Easter. Experienced motorists remember this with the O-to-O rule. Experience has shown that garages have a lot to do in the coming weeks, so quickly make an appointment if you don’t want to pick up the jack and wheelbase yourself.
The law stipulates that tires must have a tread depth of at least 1.6 millimeters, but car clubs urgently warn not to adhere to it: it must be at least four millimeters. Otherwise it would be critical in the wet, snow or sleet.
Anyone can do the quick check with the two euro coin: to do this, press the edge of the coin on the profile. If the silver border is completely gone, the tire is still at least four millimeters in size and doesn’t need to be replaced this year.
