What are the guidelines for designing a
drink rail for a bar? In this video I'll discuss the architectural standards for
correct drink rail design for bars, restaurants, sports bars and man caves.
Coming up! Hey, Rick Uzubell again from Cabaret
Design Group, where I share my personal ideas and tips on bar design, draught beer system design and product reviews. Later in this video I'll give you 'Today's Takeaway.' If you're new here, please consider subscribing and check-out the show notes and links in the 'YouTube Description' below. Now let's jump into the show! Drink rails are popular in many settings. A drink rail is a mini-version of a bar
top, and is typically featured along walls, which is the type of drink rail
I'm going to discuss today. From a previous video of ours, you may recall the
restaurant bar which featured two seating areas along a wall, shown here.
The first approach showed three 2-top tables along the wall, which could yield
dining for six, or as a drink rail for 11. While drink rails can facilitate greater
occupancy, they aren't conducive to dining. However, even where food is being
featured, some owners prefer the profitability of selling more alcohol.
When space planning, we need to ensure proper circulation and interface
clearances in front of the bar and drink rail.

Use the following updated ADA
standards for ergonomic bar design, referenced in this downloadable sketch.
The height of the drink rail should match the bar top height, which is
between 42 and 45 inches. The drink rail should be between 10 to
12 inches in depth and should have a four inch backsplash. Plan 18 inches for the 'Customer Activity
Zone', or 24 inches if using barstools. Always include a 36 inch 'Activity Zone'
for ADA and waitstaff.

Our most popular DIY drink rail design
is shown here, reference the downloadable sketch. If you're unable to
afford the same material for your drink rail as the bar top, at least use a high
pressure laminate with a 3/4 inch particle board core, as shown in this photo.
All drink rails should have a continuous plywood underlayment, setback not more
than two inches from the outside edge of the drink rail. The key to this drink
rail design is that it doesn't need support brackets and it's wholly and
continuously supported by the plywood underlayment, which is fully-constrained
between two layers of 2×4 plates inside the wall.

Use three-and-a-half-inch
coarse threaded deck screws to fasten. The drink rail should be bonded to the
underlayment with construction adhesive and for commercial applications, all
materials should be fired-treated. Drink rails work best when the distance
from the edge of the bar top to the opposing wall is between 82 and 96
inches. See you next time!.

As found on YouTube

– [Narrator] Hey, Psych2goers. Have you ever entered a room
full of unfamiliar faces and frozen up, or felt
a sudden urge to leave? For some people, confidence, which is when you feel self-assured, and know that you can
face any uncertainty, doesn't come easily. So with that said, here are six ways to appear
instantly more confident. Number one, face your fears head-on. Do you stop yourself from
taking part in a new experience because you feel scared? Feeling afraid of something dangerous is your mind's way of
protecting you from harm. But your brain can also delude you into feeling fearful over
harmless things, too, like public speaking. Allowing fear to overcome you stops you from fully
realizing your dreams. Confidence doesn't grow from inaction, but from being able to make
a move, despite the fear.

Number two, embrace failure. Are you hard on yourself
when you make a mistake? Failure is the stepping stone to success. No one ever becomes a master at something before becoming a beginner, and being new at something
entails failing at something once, twice, even a hundred times. By accepting failure, you'll learn what works and what doesn't, giving you more confidence
in the decisions you make. Don't allow failure to
stop you from trying. Number three, speak with clarity.

Do you speak quietly or maybe too fast? The way you speak is one
way that can make or break how you look in front of others. By bumbling, muttering, or trailing off, listeners may not buy into your words, which could lead to doubt about what you're trying to convey. Take the time to say your
words slowly and clearly. Practice articulating your words, and maybe even listen to an
audio recording of yourself to get a feel for how you speak. Number four, mind your body language. Are you mindful of how
you present yourself in front of others? Your body language plays a big role in how you project confidence,
from the way you stand, to the position of your hands.

Are your arms crossed? You may
come across as disinterested. Is your foot facing away from the speaker? Some may think that you wanna leave the
conversation right away. Instead, you could perhaps
follow some positive, approachable, and self-assured behaviors such as maintaining
appropriate eye contact and mirroring the other person's
body language naturally. Number five, question your doubt. Have you ever thought
you weren't good enough? Doubt is one way of protecting yourself from the pain of failure, but
it also leads to inaction. Doubt can come in the
form of limiting beliefs like I'm not good enough,
or I keep messing up. Notice those feelings and question why they
came up when they arise. It may be easy to look at the bad side, but by focusing on positive outcomes, you can trick your mind into believing that doing that scary thing
may be achievable after all. And number six, take a deep breath. During a tense moment, you may activate your
fight-flight-or-freeze response. This can cause you to
unknowingly hold your breath or speed it up.

When you realize your
breathing has changed, do your best to calm
down, notice your breath. Start by inhaling deeply,
then move it to your stomach as your diaphragm expands. Then exhale out. If you're alone, you can
try breathing exercises to boost your overall mood, too, which can help clear your thoughts and bring them back to the present moment. So have you learned new ways
to become more confident? Do you have any suggestions
that haven't been covered? Feel free to leave them
in the comments below. Please note the references
and studies used in this video are added in the description below. Also remember to like,
subscribe, and share this video with those who might benefit from it. Thanks so much for
watching. Until next time..

As found on YouTube

If you are just starting a business, you might be asked whether you are a freelancer or a commercial worker. There are a few things to consider and everything you need to know about the topic you will learn in this video. Hey, my name is Melchior from Kontist Steuerberatung and every founder should first consider whether he is self-employed as a freelancer or as a trader. In Germany, all self-employed and two large groups are abolished, one is related to the freelancers and the other to commercial activity. You should know what you belong to, because a freelancer registers differently with his self-employment than a trader. A freelancer goes directly to the tax office and fills out the questionnaire for tax registration and the trader first goes to the trade office and applies for a trade license.

In addition, freelance work has some bureaucratic advantages and in order to take advantage of these you have to be recognised as a freelancer. What exactly is related to it and when exactly you are considered a freelancer and or a trader, we will now take a closer look at in the video. First of all, let's take a look at who is a freelancer. Whoever is a freelancer in Germany is regulated in Paragraph 18 of the Income Tax Act and basically knows two large groups of freelancers. And the first group are the freelancers who, because of the nature of their work, are freelance, namely you are a freelancer if you are a scientist, if you are an educator or if you are an artist. An additional requirement is that you have a corresponding degree in this area. The simplest example would be if you have completed a scientific degree and now you are working scientifically, then you are clearly a freelancer. If you are self-taught and a bit of a career changer in a scientific field, then it may well be that the tax office does not recognize it and does not treat you as a freelancer.

The second group of freelancers are the so-called catalog jobs. The catalog professions are freelance because of their occupation and not because of the nature of their activity, but these freelancers also need training or a degree in the area in which they are active. The catalog professions include classic liberal professions. These are doctors, veterinarians, those who practice alternative medicine, physiotherapists and so on. Then there is the whole group of legal and business advisory professions. This includes lawyers, notaries, tax consultants, auditors, but also advisory businesspeople and economists. In addition, this includes the whole group of scientific professions and yes, the group is called the mediators of intellectual goods and information. These are in particular journalists, photo reporters and also interpreters. And two other great professions, especially in Germany, that are very important and significant and also very well known are those of architects and engineers.

What is generally important with this list, by the way, you can find a whole list under the video that not only have to be exactly these professions, but also similar professions. Especially in recent years due to digitisation and yes, general internationalisation, there are many new job profiles that did not exist 20 or 30 years ago and the law is more than 20 or 30 years old and of course all job profiles are somehow changing. This means that even if you work in a similar profession, you can be recognised as a freelancer through a catalog profession. To make the whole thing a little more concrete and perhaps to give an example, we can take a closer look at programmers. Software programmers are not classically freelancers, they are not a catalog occupation, but it may be that a software developer works very similarly to an engineer. For example, this means that a programmer can also be recognised as a freelancer. First of all, it is important that the vocational training, i.e. the degree, is appropriate and, secondly, that the project phase for a programmer is similar to that of an engineer. That means, you need a planning phase, you need an implementation phase and you need a certain amount of monitoring of your project.

If that is comparable, then a programmer can also be recognised as a freelancer. It is important to know here that decisions are always made on a case-by-case basis and that is also the reason why an incredible number of courts deal with the subject, whether someone is a freelancer or not. It is perhaps important for programmers that in the past it has always been that what you do is less important, i.e. whether you do application development or whether you do internal systems in a company or whether you control larger IT projects, that is less important. Much more important is actually the way you work and if that is comparable to that of an engineer, then it may well be that you will also be recognised as a freelance programmer. The second large group of the self-employed in Germany are, besides the freelancers, the tradespeople. Tradespeople: the definition is actually relatively simple and if everything that I have just said about freelancers does not apply to you, then you are a trader.

So the definition is actually relatively simple: if you are not a freelancer, then you are a trader. At the end of this video we come to the all-important question: why is that interesting? Why is the world or any self-employed person even interested in whether you are a freelancer or a commercial person? This is particularly because freelancers have a few advantages over traders and that is the first point, which is relatively obvious. Freelancers do not pay any trade tax. Only traders pay trade tax, as the name actually says. The next point is that freelancers never have to be accounted for. That means the balance sheet with double bookkeeping is a more complex form of bookkeeping and freelancers never have to do that. Traders have to do this if they exceed a certain profit or turnover limit. Another advantage for some is that freelancers are not compulsory members of the IHK or HWK. So no Chamber of Commerce and Industry, no Chamber of Crafts are responsible for freelancers.

This is the reason why a relatively large number of people prefer to be freelancers. However, in a lot of conversations with our customers, and also when I read in Internet forums, on Facebook in groups and so on, I understand that people are almost afraid of being referred to as traders because they perceive this as an unbelievably great disadvantage and it can be. I’ll make this clearer. The difference is not that big. Because the fact is that the trade tax, which only traders have to pay, can be offset against income tax. To put it very figuratively, where a freelancer pays 20,000 € income tax, a trader pays 10,000 € income tax and 10,000 € trade tax. That means the financial difference is not that big. The only thing that remains is the bureaucratic effort and although you need a trade license, you have to make an additional tax return and double bookkeeping is a little more work. However, this usually does not result in a higher tax payment. And besides, and this is only a purely practical knowledge, I have learned in the years of my self-employment, freelance work can also restrict you in an entrepreneurial manner.

If you are a freelancer, but you may have a digital business model and would like to be more flexible with your business model and try new things, then as a freelancer you should be afraid that you could lose your freelance status. This cannot happen to you as a trader. That means, if you are a bit on the borderline and that is more a matter of interpretation, then the entrepreneurial decision can be a sensible one, not to go into this dependency on freelance, but to say from the start: “Oh come on "I'm going to become a trader, which means I have more flexibility and freedom in how I organise my company." I hope this short video was able to help you and answered your questions. But if you still have unanswered questions, you will find a comment area under this video and there you can ask your question or, another suggestion: you will find a link in the video description where you can arrange a free consultation and then just let's speak personally and clarify all questions.

Also an important tip, you should definitely subscribe to the channel, because we regularly upload videos on tax issues for the self-employed or watch this video or this video directly..

As found on YouTube

[upbeat instrumental music] ♪ ♪ Hello, and welcome
to today's course on ethics consultation. In this first of two parts, we'll be exploring the need
for procedural consistency in your ethics case
consultation process. Ethics consultation is one
of the three core functions of IntegratedEthics. The other two functions, ethical leadership
and preventive ethics, are covered by other videos
in this series. Before we go any further, be sure you have
your work sheets handy. You'll need them
for the activities later on in the video. You know, most VA facilities
are committed to improving their mechanisms for handling
health care ethics. Today's complex
health care environment calls for a more systemic
and pervasive approach. But transitioning
from an ethics committee model to an IntegratedEthics program
can be challenging. And that's
where the IntegratedEthics coaches come in. (male narrator)
The IntegratedEthics coaches, three makeover specialists
determined to help facilities transform their traditional
ethics committees into IntegratedEthics programs.

Frank, the Analytic Ace, with years
of clinical experience and ethics expertise; Danielle,
the Communications Connoisseur, with a background in ethics-related
customer service; and Scot,
the Process Pro, with an eye
towards streamlining work processes
and procedures. The IntegratedEthics coaches, ready to help you make sure
your core functions are functioning. In today's episode,
the IntegratedEthics coaches will be working
with Prospect VAMC, a typical VA medical center
in Anytown, U.S.A. This is Dr. Mike Burrows,
head of the cancer center over at Prospect VA
Medical Center. He's also chair
of their ethics committee and has been
for the last eight years. We'll be sitting down
this morning with Dr. Burrows and some other members
of his group. So these folks have been at it
for a while. Seems like they would have
a pretty good handle on where their program
is going. Maybe, Danielle,
but I understand they're still struggling
with how to incorporate an IntegratedEthics
approach. Yeah, and plus,
they all have other jobs and responsibilities
at the hospital. I mean, these
are some busy, busy bees.

At least that's
the buzz I hear. So who else
are we seeing today, Frank? This is Maria Ruiz. She's a nurse specialist
for geriatrics and has been
an ethics consultant for the last two years. Bzzzz. And finally, Tina Whitley; she's a licensed
clinical social worker, who works primarily
in surgery. She's also a founding member
of Prospect's ethics committee.

So she's been around
the hive for a while. Why don't you buzz off? Ouch. That really stings. Okay, okay,
our job right now is to help these seasoned
ethics consultants improve and enhance
their consultation process. All right, folks. We'd better get moving. Time to make the honey. You should comb
your hair. You're so sweet. [piano playing
Flight of the Bumblebee] ♪ ♪ Our files indicate
that your ethics program has been around
for a while. (Burrows)
It sure has. I myself have been involved
in the committee for, oh, it's got to be
at least 14 years, the last eight as chair. (Scot)
So are you three the core team
for ethics consultation? Well, that's one of the things
we're trying to figure out. We know that not everyone
on the ethics committee has the proficiency required
for ethics consultation. But at the same time,
we feel that we might need more than just
the three of us.

As far as what
the ideal size team would be, there is no simple answer. No standard formula;
every facility is different. [imitating Groucho Marx]
Take one clinician,
one nurse, one clergyman, stir in medium-size conference
room, season to taste, voilà, instant ethics
consult team. [normally]
No, I don't think so. But I will say this: I think you guys
are in pretty good shape. I mean, you have a nice mix
of backgrounds and skills– What? I can say nice things
sometimes. Oh, and me
without my tape recorder. Okay. Presenting, for your edification
and enlightenment, the knowledge, skills,
and traits necessary for a top-notch ethics
consultation in the center ring. We have the knowledge;
knowledge is power. You got to have knowledge. If you don't got it,
you got to know where to get it. You got to know your ethics. So what do you got to have? Anyone, someone,
tell me something– this is the part where you
respond back. Yes, you, little lady, front
row, something on your mind? Hm? Oh, oh, how about
clinical literacy? You know, understanding
of medical jargon? Ding ding ding ding, Nurse Ruiz takes an early lead
with 50 points.

W-what do you mean,
points? Go away, kid,
you're bothering me. Look, anyone else
want to try to ring the bell? Of course,
you need to be familiar with a broad range
of ethics topics– informed consent,
conflicts of interest, life-sustaining
treatment, and so on. Oh ho ho ho, Dr. B roars
into the lead with 100 points. How come he got 100? (Whitley)
There's a long list of things you need to know about. It's all in the ethics
consultation primer. (Scot)
Oh, and Ms. Whitley out of nowhere
roars into the lead. She's right, folks. It's in the primer. You should've all read
the primer by now? Okay, now, you may
be asking yourself, "Is it worth all this effort
for that knowledge?" Well, let me tell you, neighbors and friends,
ladies and gentlemen, it's an effort
that pays you back. Because
without this knowledge, it will turn a seemingly
"normal" consultation into the kind of monster
that could ruin you, your patient,
and your whole program. (Ruiz)
Um, is it always like this
around you guys? Ah, the fun never stops.

Ha-cha-cha-cha. I think we all take the need
for ethics knowledge seriously. But it's not as simple as
just checking it off some list. You can't just go
to the knowledge mart and pick up two bags
of bioethics concepts. I like you. Developing your ethics knowledge
is a never-ending pursuit. You need to continually
re-educate yourself– attend conferences,
read journals. And don't forget
that ethics expertise is about more
than just knowledge. You also need to develop
certain skills. Analytical skills. Communication skills. The ability to facilitate
and foster dialogue. (Danielle)
The ability to identify
ethically justifiable options. (Scot)
Critical thinking. Listening well. And consensus
building. The skills you need
are all outlined in the primer along with the traits that
make these skills achievable. (Danielle)
Like patience. And tolerance. And humility. She's got loads
to be humble about.

(Frank)
We'll be moving on in just a moment. I'd like you folks
to show us around the facility a bit,
if you don't mind. But first,
we always have to ask, what would you say
is the single largest obstacle between
your current situation and a first-rate
ethics consultation service? Staffing. Manpower. Time. Our administration is very
supportive of the idea of ethics consultation. (Burrows)
But in actual practice, it tends to be treated
more like a collateral duty than a primary function. It's something
we have to make time for. (Frank)
I hope that's all
going to change soon. It's one of the things
we address in our session
on ethical leadership. In the meantime, there
may be some things you can do. How has your supervisor
handled the situation of having to "make time"? Well, I haven't really
pushed it. I mean, I've said
generic things like, "Wow, the consultation
service seems busy." But it doesn't seem like
she's gotten the hint. This is Jeanne Yancy
you're talking about.

I know you probably
already know this, but for the record,
hinting isn't the same thing
as communicating. I know, it's just that
I don't want to seem– (Scot)
You just don't want
to complain. Oh, I love this woman. Oh, please, please,
can I take this one? Look, look, I can fix it;
I'll be very persuasive. Scot– I'll be good;
I'll be good. Jeanne Yancy, you said? Yes. Up, up, and away! [trumpet fanfare] It's going
to be interesting. Maybe you could
show us around. Certainly. (Frank)
One of the first things
I'd like to address is access to your
consultation service.

It's important for staff,
patients, and families to know what the ethics consultation
service is there for. Excuse me. If you had
an ethics question related to one
of your patients, what would you do? The patient number
for ethics consultation is right there
on the board. It is;
look. "Have an ethics
question?" Page the beeper. (Danielle)
That's great. Let me try something else. Oh, excuse me. Can you tell us
when it's appropriate to request
a ethics consultation? Sure, it's basically anytime
you have uncertainty or conflict about
the right thing to do. We get literature
on it every year. Plus, I think
there's something about it in the employee orientation,
if you remember. If you have any questions,
just contact your supervisor, or else call the ethics
consult service. Excuse me, please. I got to start working out.

Well, it certainly seems your service
is well-publicized. Are the patients as aware
of all this as the staff? They get a brochure
about our service when they're admitted. And that same brochure
is available in most of the reading rooms
and at every nurse's station. And there's an ethics link
on Prospect's home page. You guys are good. I wonder what's
going on upstairs. I'm on my way
to talk with Jeanne Yancy and find out why poor Maria Ruiz
doesn't feel like her work on ethics consultation
is valued. And since this is a federal
government job, I'm going to go into G-man mode
just for a minute. It's going to be
real Joe Friday type stuff. Jeanne Yancy? Yes. Ms. Yancy, I'm here
in an official capacity, and it's imperative
that I talk with you. I don't– It'll save
a lot of troubles later on if you just
follow me, please, ma'am. You know,
I really don't– [whispering]
Is she following me? Oh, thank goodness. Sir, you could
wait a moment, please? It'll only be a minute,
ma'am.

Sir, I really–
what is your name? You can call me Scot. And I need to know
why you're here, Scot. I'm doing a friend a favor. And actually, I'm doing you
a favor too, in the long run. Now, do you recognize
this desk? (Yancy)
Of course I do;
it's Maria's, Nurse Ruiz. That's very good;
now, tell me what you see. I don't understand
what you're asking. And I am going
to have to ask– I'll tell you what I see. I see files that need
to be filed; I see– [sniffs] Beef surprise. I see stacks and stacks
of policies, and–what am I missing? I'm missing something;
what am I– Ah, patients. Nurse Ruiz provides care,
doesn't she? Of course she does.

Now, will you really– You look fabulous,
by the way. Can I ask you something? Do you think
this hospital values the work
that Nurse Ruiz does on the ethics
consultation service? We value that work
as highly as we do all the other aspects
of patient care. Then why aren't
her ethics responsibilities made explicit
in her performance plan? I really
haven't considered. Couldn't you buy her
a little more time if you took off
the nursing policy committee? I guess.

You see,
here's the thing. Nurse Ruiz, she doesn't
want to complain or anything. So she's never told you how overwhelming
all this stuff is. And, believe me,
we're going to be teaching her how to speak up
and how to express her concerns, because we know
it's not fair to you to turn into a mind reader
or anything. But in the meantime,
anything you can do to let her know that you value
her ethics responsibility, that you want her
to have the time to do it, would be
absolutely terrific.

Don't you think? I guess. You are just too great. I am serious;
she's gonna be thrilled. Don't be a stranger. (Frank)
May I ask what happens
when someone pages the ethics
consultation service? (Burrows)
Well, that all depends. On what? Well, for one thing,
it depends on who's wearing the pager
that day. Ahh, it depends. (Danielle)
Exactly. It's not that complicated. I get the page,
I call the other two, and we get
to the bedside ASAP.

I try to get a little
preliminary information from the caller first, or I might review
the patient's history myself before I call
the other two. (Burrows)
Exactly; it depends
on circumstances. Sometimes I'll see
the patient first myself to see what's what,
but I mean, it depends
on how much time I have. [coughing]
Problem. I beg your pardon? (Danielle)
You need to be consistent with your
initial response. And the first step
of that response should be to clarify
the consultation request so that you can
come up with your game plan, including which members
of the team that you want to involve. Based on the complexity
of the case, the subject matter,
the nature of the request, not on how much time you
happen to have at that moment. No matter which one of you
gets the page, this needs to be
your initial step. What we're saying is, for ethics consultation
to work best, you have to have
procedural consistency.

Both you
and the people you serve have to know exactly
what to expect at every phase. [beeping] Uh, Jill Ingersoll
just sent me a page. She has
an ethics question. You mind
if I step out a minute? Actually, why don't you call her
on the speakerphone? That way, we'll
be able to follow along and talk about it later. All right. Extension 321. [phone rings] Jill Ingersoll. Hi, Jill, this is Mike Burrows
returning your page. Your call came
at a really good time. We have the whole
consult team here doing a little training. I have you on the speakerphone;
is that okay? Sure. (Burrows)
What's going on? I've got this patient
with a living will that says he doesn't want
his life prolonged. It also names his wife as
the durable power of attorney. She thinks
it's too early to give up and wants to do everything. I want to honor
the patient's wishes and remove
the feeding tube. I can do that, right? Well, it sounds
a little too complicated to give a quick
yes-no answer.

Can you back up a minute and give me some more
specifics on the case? Sure, the patient
is Everett Johnson; he's 75. He's had multiple strokes,
and he has a feeding tube. He has grade 4 pressure ulcers
and chronic osteomyelitis that has not responded
to antibiotics. He's been in and out
of ICU with sepsis and has been on the ventilator
several times for his COPD. We've been trying
to get him stabilized long enough to move him
into a nursing home, but it's been one thing
after another. His wife says do everything, so that's
what we've been doing.

And then yesterday
out of the blue, his sister shows up
with this living will that says he doesn't want
to be tube fed. And it also names his wife as the durable power
of attorney for health care. And it says specifically that his wife
needs to follow his wishes as stated
in the living will. So I think
it's pretty straightforward. It sounds pretty
straightforward, but let's clear up
a couple of things just so we know for sure
what we're dealing with. Shoot. Is it a VA living will? Yes, it's our
standard form. And the power of attorney
is our form too? Yes. Signature's there
and everything? Absolutely;
two witnesses, everything seems right
by the book. And it says specifically that
he doesn't want a feeding tube? No life-sustaining
procedures of any kind. Okay, next,
what is the patient's prognosis? Really poor; he's been going
steadily downhill. The way things are going,
I seriously doubt he'll survive
another trip to the ICU.

Why does he have
a feeding tube? Is he eating
anything at all? No, he's NPO;
recurrent aspiration pneumonia. Practically
everything he eats goes straight
to his lungs. So there's no way
he could be fed orally? No way. And you're sure he lacks
decision-making capacity? He doesn't talk at all. Well, can he communicate
nonverbally? Intermittently. He's pretty out of it
most of the time. Has he had a formal assessment
of decision-making capacity? I think so. I'll check. You should be sure that that's adequately documented
in the chart, especially if you're thinking
of withdrawing the life-sustaining
treatment. Good point;
you're right. I'll do that. Okay, let me summarize here by formulating
the ethics question. Should you remove
the feeding tube over the objections
of the surrogate based on the patient's
clear advance directive? That's exactly
my problem.

Now, what about the wife? Have you talked
to her about this? Not yet; I thought
I should talk to you first. What I want to tell her
is that we need to follow the patient's
advance directive. He said no feeding tube, so there's really no choice. Isn't that our policy? Right; VA policy states
that the surrogate must follow the patient's wishes
as far as they're known.

It's a matter
of patient autonomy. The patient still gets
to make his own decisions even after he's lost
decision-making capacity. See, that's what I thought. Tell you what, Mike, I'm going
to talk to her, see how it goes. I'm hoping I can get her
to go along with it. It would sure
make things easier. It definitely would. These conversations
can get a little dicey. Do you want me involved? I don't think so. I'm going to do
what we talked about before. You know, make sure
we stay focused on what the patient
would want us to do. Sounds good. One more question. Anybody on the team
have a problem with the feeding tube
withdrawal in this case? No, everyone agrees we should
go with the advance directive. I don't anticipate
any problems on that front. And the patient's sister, she wants the feeding tube
withdrawn? Definitely.

Given the conflict
in the family, you should probably
involve legal counsel. I've already got
a call into them. [beeping] Hey, listen, I've got to run. Someone's paging me. Okay, then; let me know
what happens, will you? You bet;
hey, do me a favor. Would you do a consult note
for the chart? Yeah… Yes. Great; talk to you. Well, sorry about that. I guess it was pretty much
a false alarm. What? What's wrong? Is there anything wrong? What did you see
that went right? What did you see that you
would have done differently? Let's pause for ten minutes to analyze
this telephone conversation between Dr. Ingersoll
and Dr. Burrows. Use the work sheet
labeled Exercise 1. There's a transcript
of the telephone conversation and a few questions
for you to discuss. When the clock
on screen reaches zero, we'll come back
to the action..

As found on YouTube

.

As found on YouTube

Good afternoon or evening, whichever. Nice that you are here. We'll start on time, but we still have a bit of time before. If a question comes up, here is a good example: yes, there will be a recording of this webinar and this particular link will remain. That means, you got an e-mail or at least somehow found out about this link and this link will always take you to this webinar. The webinar will last about an hour, I think three quarters of an hour, depending on how many questions you will still have and how much we want to discuss afterwards. But when we are through, the link remains. Sometimes it takes a few minutes, but then it will be available. I will compress and rework it, then upload it again to our Youtube channel. By the way, this is also the first webinar and therefore I would like to encourage you to subscribe to our channel because we will be doing a new webinar every week.

Everyone who hasn’t done it yet, please subscribe right now so we won't lose that much time and you will get notified about new webinars. I've been preparing for this webinar, so I've built two Excel calculation tools, or Google sheets calculation tools to be precise. I'll send them, or best link them in the description so that you know where to find them. But when the time comes I will mention again where you can find it. I'll jump into my presentation at once. As you are used to, I have prepared a few slides.

If you have any questions, you just ask the questions in the chat and I sometimes look over a little, or take breaks in between and then see if there are any questions and then answer the question. Today it's not about, I want to say tough tax issues, but about another important topic that I honestly found very difficult to deal with at the beginning of my self-employment. And that is the hourly rate calculation, at least in how I argue my calculated hourly rate and how I can sell it, because the calculation is one thing, then selling to the customer is another. Exactly, and that's why this webinar is about calculating the hourly rate.

Agenda: I want to go back and forth a little over a few things. Honestly, there’s kind of a bit of self-disclosure in this webinar. First and foremost, I'll tell you what I did, what I did wrong in the beginning, what I keep seeing and what is being done wrong. So I am a co-founder / firm manager of Kontist Steuerberatungsgesellschaft and of course I see it too. I see a lot of our clients, I see what they write on their account and with some new clients I think to myself: that it will be difficult to keep it that way, yes, I will say, to maintain independence. And I just want to show you a little bit, explain how it works and so on and then I would like to make an intro into three possibilities of price calculation, how you work into it and how you get a final price.

And at the very end, I mentioned the calculation is one thing, enforcing your prices and getting paid by the customer is another matter entirely. It would also go beyond the scope if we were to fully expand this now, but without it, this webinar would be incomplete. I will briefly introduce myself again. My name is Melchior Neumann, I come from Berlin, I am a tax clerk and I studied economics with a focus on tax law and auditing. I worked for several years at KPMG, large auditing firms and in an ETL tax consultancy. ETL is one of the largest tax advisory groups in Germany. I gained several years of professional experience in tax consulting and, to be honest, the whole thing was a bit boring for me. That's why I quit and started my own business and have been more or less self-employed for over 14 years.

At the beginning, the first 7 years, actually 7 years now on 25th May. That means pretty much 50/50 part-time self-employment and full-time self-employment and last year, with Kontist, we devoted ourselves to the tax service, i.e. the whole thing focused more on the topic of taxes and founded the Kontist tax consultancy company. In tax consultancy, I am practically a law firm manager. And yes, it's not the first webinar now. You can also find the recordings of the previous webinars on this YouTube channel. It's moving more and more in the direction of taxes and yes, I do something like that, but of course I also have a lot of contact with clients on a day-to-day basis. That’s enough about me, if you have any questions, feel free to chat. I answer all the questions myself, but at the moment I don't see any questions, so I would say let's jump in with the biggest mistake of all: Initially it's been a disaster. Back then, as I said 14 years ago, I was 17/18. I reached the age of 32 yesterday, so a little over 14 years, 14 and a half years. I started googling how much I should or shouldn’t actually charge per hour and so on.

I found some instructions on the Internet and somehow they always said: ok, add up how many costs you actually have and then think about how many hours you can work and use that as a starting point to calculate your hourly rate. I strongly advise against that, for this simple reason. I was in high school at the time and my costs weren't that massive. After all, I already had my own apartment, but if I had lived with my parents, then I would have had costs of 100-200 € per month. My hourly rate would not have been that high. Nevertheless, having my own apartment meant low costs. Somehow I had costs of € 800 a month and if I use that as the basis for my hourly rate calculation, then my hourly rate is not that high and the problem of what then arises cannot be seen immediately, only later.

Namely, if I got along well with 1000 € at the beginning of my self-employment, for example because I came out of university because maybe I founded a business while at university, or maybe because I founded a part-time business and actually didn't start my independence from the financial aspect, but simply because I had fun. Maybe then I can get along with 1000 € quite well and just calculate these costs. But after 5 years, after 10 years, the world may have changed completely, maybe you have a child, you need a car, you need work on a house, whatever. Life has many surprises in store, but it is incredibly difficult to double or triple your own hourly rate and keep the customers. That means, either you have a very clear idea that you say you have certain customers and you will lose them anyway because no customer will pay you 20-25 € an hour and later for the same service that you do for € 60-70 per hour paid.

That won't happen, nor will he pay you 50 € first and then 150 € for the same, because in a certain way you are somehow classified in the price range with the customers. You're within a certain budget and they won't double let alone triple that for you and still get the same afterwards. That's why it won't happen like this and now as an example: For me, I'm married, with children on the way… For example house construction. This example may work for me personally, not yet the main topic or something, but then the thought: ok how do you do that with children, maybe one parent should stay at home or something like that.

And forget about the 1000 € costs that may have become 3000 € per month and I would have to somehow triple my hourly rate. And that's a dead end from which you can't get out. The only thing you can do there is ending all customer relationships, start all over again and you may even have to work on your positioning, because recommendations that you get are just an example. I am now, oh, I don't have to be an example to take, I can talk about myself. I've built online communities. That means, I moderated forum membership areas, I partially worked out e-learnings, and so on. I did things like that for software companies and to be honest, my first hourly rate that I billed was € 13.50 per hour. That is a lot and makes it impossible to increase it later. But they recommended me to others. The problem is, I just recommended them as: "Oh, he does a really good job for good money." And if I suddenly wanted to ask the next customer € 60-70, I would not have acquired the customer. In other words, I should have started almost from scratch in a way.

And if you are at the very beginning, don't make the mistake and yes, you can always make fun of it like ah, I would never work for that little money, but honestly, each of us was somehow at the very beginning and that is one of the most common rookie mistakes I can ever see. Therefore, it is better to take into account right from the start that you are going to climb higher, that you deserve a good “salary”, what you would also deserve if you had a good salaried job. And how you get there, we'll go into that today, because you simply can't double or triple that again later. And before you think about what your price actually is, how you get your price, you should give yourself a moment to think and create a certain clarity and transparency for yourself. Also, and I'm absolutely serious, be honest with yourself whether your business model works at all. I see this especially with so many people who start up out of a strong passion. I often notice that they haven't really thought about the business model and haven't really made a reality check to see whether they will really get the money, what they would like to have for their service.

That's why you should definitely consider beforehand, do you know your own hourly rate? And not the hourly rate that you charge someone, but your hourly rate. And that has to be factored in, your non-billable time. I call it ineffective time. It always sounds a bit nasty, it’s not an ineffective time at all, but all the time that you cannot account for. As a self-employed person, you have a lot more tasks than just working for the customer.

You have to do your book-keeping, you have to write invoices, you have to do marketing for yourself, you have to do training. All the things, your medical expenses, your vacation, all of that must be included in your hourly rate and you should think about how much you actually have to calculate so that you then have a decent life, so that everything is covered.

That is, do you know your true hourly rate if you work now? How much do you earn on average if you do an hour of accounting now or you are currently in the webinar. Is this free time for you? I hope you enjoy it a little, but it is definitely not free time. We're talking about hourly rate calculation and if that's not your hobby, then that's your working time and how do you manage that – please don't all go immediately – but how do you manage that in your productive billable time you bring in the money to spend an hour looking at how much you actually have to settle.

And that must be taken into account in your calculation. Then you should think about what your fixed costs are. Both your private fixed costs and your professional fixed costs. Incidentally, I made a video about this subject. That means which costs you can deduct where, what operational costs are and what private costs are. I made a video about it and gave a webinar two weeks ago, I think. I don't know, one or the other of you might have been there. It was about business expenses, extraordinary burdens, special expenses, which can be claimed for tax purposes. The recording will be online tomorrow morning, I'm still missing a few little things, but if you subscribe to the channel, you'll be there live. And clear rules are also important for you, I would say.

Ideally, you should pay yourself your own monthly salary. That means from your business account, so that brings up the first rule: have a separate business account and private account and from the business account you should ideally pay yourself something like a monthly salary. It is pratically a private withdrawal, a self-employed person who has set up such a sole proprietorship has no salary, so, yes he has private withdrawals. But you should treat it like a salary. Which means you somehow earn 1500-2000, 2500-5000, or however much you pay yourself monthly into your private account, what you need for your private fixed costs.

But that shouldn't be all, because there are also occasionally times of crisis and you should always be able to pay yourself this salary, even if there is suddenly something like Coronavirus. I mean it's been over a year now, but who thought that a year and a half ago that Corona would suddenly come and drive the world crazy and you need a certain financial reach. This means that you need to have all the costs in your account a few months in advance so that you can really pay off your monthly salary so that you don't fall to your knees after two weeks of crises. All of this has to be taken into account in the calculation and you need transparency about all of this, and then it's really about being 100% honest with yourself, because I know that personally when I love my work and I really want to do a project, I then fall in love with the project.

Then that is very weakly calculated from a business point of view. I lie to myself about how quickly it can be done and that it's okay, that I incur fewer problems because I am also learning from it and I also establish contacts and all that kind of thing. That's all okay, but please don't throw the entire business account overboard. And yes, exactly, basically it is a misconception that you should calculate your prices as low as possible. It is from such fear, from such a fearful attitude I absolutely know it. As I said, only with 13.50 €, that was my first hourly rate. Maybe you just write your first hourly rate, which you wrote on your bill, in the chat, because there are some who have asked for hourly rates that they would never ask today, so I later became self-employed and up to now, last year, in the summer, I had my own agency and my standard rate was 80 €. And yes, I got along well with that, but 13.50 € was a lot different and I could never have had the same clients.

This means that if your situation changes, your life situation changes, it will be difficult to change the prices, so you should consciously think about your price at an early stage. You should consciously think about what your work is worth and should consciously think about how much money you will actually need long-term. Yes, so much for the general introductory words and my appeal at the very beginning. In this webinar I would like to say there are two or three pillars and I would like to go into a pure hourly rate calculation. Then I would like to go into a pure calculation based on the customer and then I would like to introduce you to what you can do when you have a very standardised product and what you can do really well, especially in the service industry. Namely, that you make a calculation based on products.

That means that you offer products, service products and you can calculate a little differently. But then you get hourly rates, possibly, if you do it well, those you would otherwise never get. Otherwise, are there any questions up to this point? Belated all the best. Thank you! If I have different customers who don't know each other, can I redefine that with the price? In any case, you can always do that anyway, but when you have new customers, actually every new customer is a completely new beginning. That's always pretty good.

Do your first hourly rates as 100 €, 80 €, 100 €, 60 € for the hour of the consultation, 125 €, 100 €, but prefer project-based pricing. Very nice, there you are already, I don't want to say better than me, but it always depends a little on something. I've now seen a few IP-based ones, and there’s actually not that much to it: he has more now or who can do more or something. As I said, € 13.50, if you can undercut that, you will win a prize. Yes, I was only 17 at the time, but honestly, 13 €, we can see from the example where we will end up. Pricing based on hourly wages works especially well for the service industry. Most of the people who just wrote what they are doing work somewhere in the service sector. That means it should be interesting for you. And it is important: you, yourself are the product. That means you have nothing else. I think we have a few other things, especially in arts and crafts that partly merge because you have the hour that you settle, plus the material, where you can also buy cheaper and sell for more.

And as a craftsman who has a super good source of purchases and can buy material super cheap, maybe he doesn't have to add that much to the hourly rate because he can earn a lot from the margin of the product. So that's all a mixed calculation. But if you are in the service sector, then one hour is for you. So you sell yourself and you have a very limited offer because you are not unlimited. So your time is not unlimited and that is why you can actually only scale based on the fact that you raise your price or that you work more. However, this is very limited. And you just have to take into account all the other unthinkables. How to do this step by step, I wrote here once on the foil. I would suggest, however, that I switch directly to my Excel sheet and we just do it once together to see what we have to take into account. And let's go for it, now you should see my Excel sheet. No hourly rate yet, as I'm still planning. Excellent time to look into it.

I see that my Excel list can be seen. I would suggest that we just calculate the hourly rate. Let's assume I don't know you personally right now. I'll just take someone out of the chat. Who was the last to write? The last one wrote 60 euros an hour for advice. It doesn't really matter, almost everyone can identify with advice. We take advice once, everyone else has to apply that to your specific case, and so on. And this sheet that I am sharing, I am putting a link to it under the record in the description. There you will find it. Also very important to note is that it’s an Excel sheet, you will only be able to read. Please duplicate that first so you can write your numbers in, otherwise everyone will see your numbers, but I trust you to do that.

The year usually has 365 days. That means, here we go first and say ok this year has 365 days. Of course we don't want to work 365 days, we have weekends and we prefer not to work at the weekend. That means that we have 52 weeks, times two days on the weekend, which is 104 days on which I cannot work due to weekends. Now of course I can also go there and say I'm super motivated, I want to get this going first and so on. I just don't want to work Sunday and I have no problem at all working on Saturday.

Can you do it like that? Yes, you can do it like that. We can also say that I might work on Saturdays and then calculate 26 days for Saturday, always half a day, plus 52 days and then I'm at 78. But I'm staying now because most people prefer not to work on Saturday / Sunday. I'll stay there for a while. Then there are holidays, feel free to go to the calendar. By the way, this year we somehow got a crap year. All holidays, May 1st and all kinds of other holidays somehow fall on a weekend.

It's great that it's not like this this week. Ascension Day is a public holiday and always on Thursday, but we can plus or minus about 10 public holidays per year because I also don't want to work on the holidays and I would like to take a vacation. 20 days, 30 days, 40 days it’s up to us. I think about 25 days since I am just starting. I am currently planning to work as a consultant and become self-employed so I think to myself that I would like to take 25, generally 25, vacation days per year.

Then I will probably be sick too – of course you can also say I have a good immune system now and so on and yes, all those things. I am also very rarely sick, but when I am sick I usually take a little longer to recover. I am not sick very often either, but to believe that I can calculate everything in such a way that you never get sick and everything has to run to perfection so that I can manage financially is always unfavourable. Better to plan a safety buffer here and I just say I plan to be sick for 10 days and if I am not sick then I'll take a longer vacation or whatever. Or am happy about the additional sales that I have made. This leaves 216 net working days in the year. That means I can work and earn money 216 days a year. And now it's a little bit about the number of hours worked per day.

That is, how many hours a day do I actually want to work? Opinions differ widely. I have to say, honestly, a friend of mine recently took on the challenge of only working 4 hours a day, in that case you are welcome to enter 4. I myself am more of a person who prefers to take a day off, but then work 10, 12, 14 hours on working days, because when I'm in the zone and the work is flowing , then I don't have any problems. I would have a problem stopping work after 4 hours though, that's why I'm more of a person who works a lot when they work and then prefers to take a day off another time. Therefore, I just write 10 hours a day, though you can stay with 8. Now, a very important point: what is your loss of time due to non-billable hours or insufficient utilisation? And this is sometimes extreme. There are so many different rules of thumb, I don't know if you know your number and what it looks like for you, but I can tell you a little something.

My wife, for example, is a nutritionist. She gives lectures on nutritional behavior, in some cases for corporate health management in larger companies, and she tells them that that's part of such a package. Package includes lectures and training. She is preparing a lot there. If you have one day of training at the company, prepare 2 or 3 days before and another 1 or 2 days after. That means, in addition to all of her own administrative work, she works 1 day a week, that is, she is in a company for 8 hours, but definitely has another 4 or 5 days of preparation and follow-up. In other words, it actually adds up to 20 hours due to non-billable hours. This means that 80% of the time she is active, the work is not directly related to the customer. If a customer were to ask you how expensive an hour of yours is in the company, you would have to say that you have to write it because you lose 80% through preparation and following-up and you have to spend a lot more money in the process hour in which she is then in the office, so to speak. It's quite common, with speakers it's sometimes even more blatant when there is a stage show and stuff like that.

They prepare 90-95% of the time and of course lose time. This makes such an appearance extremely expensive because it has so much preparation and follow-up time. With me as a service provider, I said I was a community manager and I had an agency, the billable time has always been about two-thirds of the time. That means I've always lost about 33%, well let's say 35, then hopefully we'll have smoother amounts. That means, I lost one third of my time through internal organisation, through marketing, through sales, through my own book-keeping, through idle times that I simply couldn't sell. So, of course, what I saw with a lot of people last year with Corona was, a lot of people would have liked to work, but no one booked.

That means if you have your own organisation to run, your time remains idle. My goal in the agency was 35% self-employment, last year it was more like 50%, to be honest, because Corona has helped out a bit there too. But that means, based on this calculation, I can now say that on these working days, I have working hours per employee per year of 1,404. If I am self-employed, then I can calculate these hours exactly. And that might be very exciting for you too, if things are already running successfully for you and you are thinking about what salaries you could pay and you are planning to hire an employee at some point, then you can simply write two in this calculation and can of course deliver twice. Since we are now assuming that you are solo self-employed, we will stick with one. And with that we roughly know that you have to earn your income in 1404 hours. And then, do the hours increase a bit depending on how much salary you want? So, compare yourself to employees. Like, if you are a web designer, search for a web designer salary, then you will know the benchmark.

Why on earth should you earn less as a self-employed person than as an employee. I think more like that. All the security surcharges and so on, we come even further down. But I think I would like, for example, as a community manager, to earn around € 42,000 a year. That is € 3,500 gross per month. That suggests that, as an employee, I always pay my social security so € 3,500 is roughly € 2,000 net. Maybe that's what I wanted. Admittedly, it is actually a bit of fantasy. I wanted a little more. But for me in the beginning, € 3,500 was pretty good, it was about what I earned as an employee so I wanted to make € 3,500.

What you never see as an employee is the social security that the employer pays. As an employee you can see your gross salary, you have a lot of deductions on your pay slip, but you don't see that the employer is always paying the same thing over and over again. That is taken into account practically here. Additional personnel costs 25% on top.

In other words, in order to earn roughly € 42,000 gross, you have to have an extra € 10,500 per year for social security. This is a prerequisite, so that virtually everything, statutory pension included, is covered. Here there would be, for example, the statutory pension insurance also included with it. If you take private provisions somewhere else among other things, that is of course still included and then the calculation would be different. But you can change the percentages here or you can change them again if there is no handicaps, but then leave it that way. Another important point: these are the private costs and here you can see how many costs this generates per hour based on the hours that you have calculated here above. That means 1404 €. That means you have to calculate 29.91 € for your gross salary. Another 7.48 € for your social security and now it's about the company. That is, how much rent do you have for the company? For example if I have a coworking space for which I pay 250 € a month, then I calculate 250 € times 12, which is 3,000 €.

It would be another 2.14 € per hour, which I have to reckon with again. Then there’s advertising costs. Maybe I'm new to the market right now and I need 500 € advertising costs per month. 500 € is extrapolated to 6,000 € over a year. That means I have to budget another 6,000 €, that is, my hourly rate has to be another 4.27 € higher. Other costs, IT and office supplies. Incidentally, I am the world champion in making software tools that cost all the time and at some point I am shocked to find that I have 2,000 €, 3,000 € in software costs a month.

Then once a year I put the red pencil on and I'm happy that I suddenly have 1,000 € more a month. That means, if you want to save, be sure to check your software tools are what you regularly pay for. Here I am now simply assuming software costs of 2,000 € per year. Depreciation is your biggest cost in the year if you have purchases. 1,000 € per year is somehow not that much. Here I am assuming 3,000 €. Whichever insurance you have is now 50 € a month, or whatever. As I said regarding all company insurance, this is about public liability and such stories and bank costs.

The Kontist account costs 9 € a month and that means I'm at around 120 €. That means, I have costs per year of around 67,000 € and costs of 47.88 € per hour and here come, try it and try to get a minimum wage here. Try 9 €, what is the minimum wage? 9.88 €. Promise to get 10 € out of it, or in my case, here I can try to cut everything down and get 13.50 € just to cover my costs. It's going to be very difficult. As I said, I'll gladly share that with you afterwards and then you can do the math. That means you have a cost of 47.88 €, if that looks like it, and the cost per qualifying hour is 47.88 €. In all honesty, you have to make a profit. Especially now with Corona, if Corona has shown us one thing, is that the self-employed have to take care of themselves, the self-employed have to bear their own risk, that they have to make provisions and that they have to build up reserves and so on.

Of course, that doesn't work if you only bill the cost structure for 47.88 €, because there's nothing left. That means, you should really add a premium here. Here I have now calculated 25%, so 25% would be the cost again, I'll just look again, yes, so 25% on it, that is 125%. But that's again important, here you can say also 40%, if you say you just want to be safe, you put 40% on it again. If you wanted to make it a profit or 50% because you say these are uncertain times, you don't know whether you can sell everything and so on, you might end up with a net offer price of 71.82 € per hour. I'm not even looking at your comments right now, but the question: where are the taxes? always comes up. They are not included in the calculation up here, because these are costs and taxes, i.e. income tax and possibly also the trade tax you pay from the profit and if you only bill that per hour, you are plus-minus-zero. That means you only pay profit on this difference. Talking about this 23 €: of course you would have to consider that here, it depends on what your tax rate is.

That is now excluded from the calculation and you take into account here that this amount must of course be taxed again. And then of course you will still have to add VAT to your bill. That depends on whether you are B2B or B2C, so if you have business customers, it is actually irrelevant whether you are there or not. If you are also a small business owner, for example, you just enter 0 here; gross equals net, but most of the people who are self-employed full-time will sooner or later not be small businesses. For corporate customers the net price is always relevant and for end customers, i.e. if you have customers who are not entitled to input tax deduction, these are especially private individuals, but also, for example doctors or landlords, or whatever you do, the gross amount is always decisive for them.

And down here you can also see the imputed profit, so to speak. This is made up of the hourly rate, i.e. the surcharge that you plan as profit. You see this changes a lot here. That helps a lot when you play through different scenarios, especially for those who are doing it from scratch and I really recommend that you do that. I don't want to say do a time recording, but even if I've been self-employed for a long time, just guess that. In particular loss of time due to non-billable hours, we're now at 71 € and then all of a sudden Corona comes and you are not so busy and you suddenly lose 60% of your effectiveness, of your effective working hours and then you have to suddenly start not billing 72 €, but 116 €. And of course that fluctuates again and again and quite honestly, one of the biggest game changers for me in my self-employment was at some point when I saw myself as a cost item and started seeing my salary as a fixed cost.

I always do this, I have to, because it makes you wonder whether every activity that I have to do makes sense at all and whether I am really acting in an entrepreneurial manner, or whether I am working my way into the abyss. So for me personally it is now very difficult to have any flat-rate agreements and hourly contingents, where I practically perform and have packed an hourly contingent, but then the hourly quota was full and then you have to rework and query everything. That simply was not there yet and I can only strongly advise you to check it regularly yourself once a year.

But really to be absolutely honest with you and possibly to consider a plan on how you can do it successively has increased, because if it's the same for you as me, then you don't have the same hourly rate for every customer, so you have a certain mixed calculation. A few customers there, they want a lot of hours, you bill a little less, or some are maybe longer, or there was a price increase that has not yet been implemented and all those stories. And because of that, it fluctuates extremely. Something like that first on the subject of hourly rate calculation. As I said, I'll send the link to this doc around. If you have any questions, please ask now, so I can answer a few questions before I move on to the next point. How do I ideally set my customers, or how do I proceed from my customers, do I calculate my prices? "Could you go into the differences in the calculation if you are a small business owner and then have to pay VAT?" I think you asked that before I mentioned it.

With small businesses the main thing is that you simply don't have VAT here, plus you don't have any input tax deduction on your costs because if you are subject to VAT, i.e. not a small business owner, then you only have to work with the net costs. If you are a small business owner, but you do not have the opportunity to deduct input tax, then you pay for a laptop that costs 1,000 € + VAT. Small business owners pay 1,190 € and not small business owners, but large business owners, only pay that net amount because input tax could be claimed. This is a transitory item, which means that, as a laptop, you would only have to issue 1,000 € as depreciation, while small businesses would have to issue 1,190 €. And the second difference is then just on your own account. “Work on performance-based pay. It often doesn't make it easy to calculate. " Absolutely true. I want to say that there are always two ways of calculating and that you have to calculate for yourself, so to speak, when you write an invoice, especially when you have a variable pay.

Do it regularly, do it quarterly, or retrospectively for the last quarter, because that gives you a certain clarity and it is incredibly helpful for you to know, even per hour, what goal you may have to achieve, or whatever kind of goal success-based component is linked to so that you end up somewhere; so that you get your costs back and also make the profit that you would like to make. “Unfortunately, that is no longer true with regard to the craft.

The prices on the Internet are usually below that. " Too bad, then that was a theoretical example, which unfortunately is not in practice. I don't have much to do with arts and crafts, but always what I would like to allude to is a product you calculate differently because you naturally have a certain margin on a product. As a dealer you buy things, so you are a really bad dealer if you don’t.

A craftsman is not a dealer, but a dealer buys his things cheaper than he sells them and earns on the margin. He doesn't sell his working time as a product. Manuel Will writes @Hannah: "Usually you communicate your hourly net rate and simply add the VAT to it when you switch." Correct, that only applies to B2B, as a small business owner you only have one price, gross equals net. Yes,yes, yes. "I'm not going to be sick." In principle, I think Corona has a better attitude. It’s better to not get sick, but honestly, write yourself 10 sick days and be healthy then. It's okay. Employees sometimes make people sick, but that doesn't work as self-employed, so just add a few sick days to the calculation. "Can you just share the link to the sheet in the channel's Community tab?"Tobi, I can do it. "4 hours a day of real work is realistic." Exactly. That's a good point. You can also calculate that if you say you are now going through the calculation and only type 4 hours per day, but really 80% billable time.

For many, this may be better than sitting around for 8 hours and really doing nothing. So that is quite possible and the sheet helps you to simply do a few scenarios. "How do you get the document?" I'll share that afterwards. Tobi, since you're listening now, maybe you would like to share that too? I'll try, I'll definitely send it around 100% afterwards.

Everyone who is there will find it, everyone who has subscribed to the channel, you can find the Community tab on the YouTube channel, I will just post it there immediately after the seminar and you can basically download it there. But I'll also upload it under this link in the video description. If you don't find it then, just write us an email at Kontist. "The pre-tax profit is miscalculated." Very good, I have to go in there and look. I'll look at it again later. So before I send it around, I'll check it out.

I actually went over it, and I believe that it should actually be true, but when the situation is 70 people watching my fingers, I'll have to look at it again before sending it around. “I am exempt from VAT as a small business. Then the last one just falls away, doesn't it? " Correct. “So far I've just been working with my small business”. Important note: there is a difference between small business and small business regulation. You are a small business owner. Small business is a term from another law and such small business regulation. You are a small business owner. "Until then, I always worked as a small business owner, because I don't have that much time besides my studies." It's perfectly fine, then you just don't bill anything. “Can you please explain in more detail what is wrongly calculated about it? Sole proprietorship is also a withdrawal of profit. " Yes, you're right about tax law. So the comment is, with sole proprietorships, the withdrawal is also the profit.

That's right, you are one hundred percent right and, by the way, social security is also a profit. For the tax calculation, yes, it's really important to me and it's not so much about the right tax calculation and tax return. I would recommend using Kontist anyway, then Kontist will calculate it correctly, but it's really important to me that you see your own salary as a cost item.

I'm more concerned, I want to say about such an entrepreneurial mindset, than about tax calculation. This sheet calculates the correct hourly rate for you and not your perfect tax reserve. There are tools for that, especially at Kontist, which is what all the other webinars and the next ones are about. Well, then I will continue. I didn't feel like taking screenshots, so I showed the sheet directly. This whole calculation method has a couple of advantages and disadvantages. Advantages are, it is very accurate. So you can calculate all the scenarios in, you can bill your sick days, half days, whole days exactly, everything by the hour. In particular, sickness and vacation and so on, which is always difficult overall for new founders, are taken into account, as well as the ineffective time. And that's the huge game changer. I briefly showed you the example earlier. That is a huge difference, especially when a job suddenly comes up in Corona and suddenly there are fewer hours to be billed, it can possibly become really critical.

And the profit, i.e. your profit for this or next year, is very easy to plan and the whole calculation can be adjusted very easily. So you can play around with it a bit. It's actually like a business plan lite. Of course there are also a few disadvantages, because the sick times and effective time and also the workload, are of course 100% to be guessed and estimated beforehand. That is why there can and will always be deviations, which is why you have to carry out this calculation regularly. And the prices, what you calculate there, do not always have to be marketable.

That's the problem because if you now calculate that you should be earning 620 € per hour, that's all well and good but not everyone can bill 620 € per hour and not everyone can pay their customers. You have to be a very specialised lawyer in some special cases, then maybe that's possible. And there are also other areas, such as advice, where 600 € an hour is also possible. But if I am now self-employed as a virtual assistant or copywriter for websites, then 600 € per hour is rather unusual, to put it that way. And that's why there is this second pillar that I would like to deal with and the second pillar is more or less a price calculation for your customers, i.e.

Based on certain market research. It is important that you simply keep an eye on the market. That means, look at what your customers are paying for a similar service elsewhere, look at what your competition is taking for prices and, quite honestly, this sounds very trivial and incredibly few people do it but it’s imperative: ask yours customers what they are willing to pay, ideally when you have a conversation, just let them make the first offer.

You know roughly what you earn, or you’ve made your calculation sheet beforehand and know what you can roughly earn so first let the customer come and make an offer. Assuming, of course, that it will stand a bit lower than what they will actually pay, but ask them. You can of course, if you are online and sell your lessons online, use tools and do some tests and so on. But to be honest, I have had very good experiences when a customer comes to me and he wants to implement a certain project, by asking right at the very beginning what is the budget for you, the overall budget for this project. I know, of course, that there are a few more costs that don't end up with me and then we have to talk a lot about what I can do for this price. We are not discussing my hourly rate, we are discussing what I can do for this budget. That means, we're talking about the number of hours, for example, and if it's a package, a quota of 100 hours and there is only a budget for 80 hours, then I'll just talk about how we set the priorities so that these 80 hours can be used sensibly.

But we never talk about whether it might not be better to make 100 out of the 80. That’s, I’ll go into it again later, the normal question and I know that when you’re self-employed, it sometimes seems super strange and people are super scrupulous when they ask their customers how much their budget is because that's what it’s there for. But that's completely normal and now I'm on the client side more often and I don't think the question is funny at all when a freelancer asks me how much the budget is.

Then he can think about how much he is ready to do it and whether I am perfectly fine with it, since professionals are usually faster in what they do and in talking about what the scope is and they never really talk about the hourly rate. This is extremely helpful and then there is never such an argument against each other as to why something is worth something or not. The steps for such a customer-based calculation are: 1. Research and market analysis, but be sure to connect with other people who are doing exactly the same thing. That kind of means meet-ups, social media groups and so on. There are also LinkedIn groups, as well as on Facebook, and so forth. Freelancer portals are also extremely helpful. Although admittedly regarding international prices, they are always significantly lower. But at the beginning I always have Upwork. I'll post that in. Upwork is always very good for internationals, and one other very good platform is Malt. Malt is a French freelance platform, so you can simply register as a client and just see what other people are doing in your industry.

Upwork is important, these are international prices. International can often mean that you may compete with Filipinos and Indians and so on. It doesn't always have to work well. Well, the price is unbelievably low, but I also freelanced and was able to charge $ 70 an hour there. That too was feasible. But to be honest, you have to offer more. Malt is European and you get absolutely fair prices, so look at that, then you get market fair prices, so to speak, for what is required in your industry and for the activities you want to offer. Important note: talk to your customer, that means go into communication with your customers. Get direct, real, feedback from your customers. Sometimes it is really bad, so if you are bored a lot, then go to a few. There are a few toxic Facebook groups that always deal with hourly rates and just google a few freelance groups according to price or hourly rate or something like that. There is so much abuse that clients have to appreciate the work and then complain about what everyone is not willing to pay.

But these are all just theoretical discussions. There is exactly one person you have to talk to about your price and that is your customer. The other is just for you to get a feeling for what the market situation and the mood are like. But there are an incredible number of people who ask their competitors what to ask of their customers. This is completely stupid. So that's completely fake. Ask your customers what they are willing to pay and agree with them on a price. The only opinion that matters is your customer’s. And exactly, what is very important, do the first form of calculation, I want to say your own cost-based calculation and your customer research and try to find the balanced means. That means, analyse if that will work. You can, if you hear from your customer, put it in the other sheet. I just saw that Tobi posted that – thank you very much. Put that in the sheet and do the maths, you can do the maths backwards and then think about how long do I have to work per day? How many vacation days can I still take? What should my workload be? and so on.

And that's why these two options, one from the customer and one from your cost calculation, are an excellent addition. The advantages of calculating prices based on your customer feedback are: even if you actually ask at the beginning, you have first access to the community. I actually did at the very beginning when I was self-employed, when I then noticed 13.50 € is kind of bad, I asked around from entrepreneurs who are in the field in which I wanted to put forward my offer and just asked what do I want to do? What would you pay for it? I went in from the start and said, I don't want to sell anything, I just need a couple, 2, 3, 4 answers. The nice thing was, I already had contacts there, no job came out of it, but you have been in contact before and they knew what I was doing and one of them actually approached me a year later and asked if I would like his support. It's the fastest, most efficient way to find out the price.

Ask your customer what they want to pay. It's just super fast. That means sometimes there is also time pressure. I actually did that earlier this year. We should have had an offer for my agency, I have to say. I currently have three companies, Kontist is one, but we should have made an offer for the agency. What a super tight deadline, we had to start in the past and get the time in and something like that. Budgets were running, big company, everything took forever. Then I said: “Honestly guys, tell me what your budget is and all that. I'll try to adapt to the offer and so on. " And then we were through within half a day with signature and budget approval and everything. It’s the most efficient way and if you are already in conversation, your customers already know about your product and might even become customers if you just ask directly. The disadvantages: this price is of course not in line with, or related to your costs. This means that your costs may not be considered or you may have to screw something up on your costs.

And yes, that's just a problem, that is, there must definitely be both. The whole thing becomes difficult when you are completely new to the market and have no idea where you get customers from. That means, if you still have zero customer contact, that's relatively difficult. I had the great advantage that I had a certain network and could ask questions there. And even now, when I go out now, I have no idea how many former customers I can write to every now and then and ask them what it is like and always ask again about certain new offers.

It is also relatively time-consuming because you just have to talk first. So now I look at the clock. I somehow always can't get it to deliver it in time. I am looking again to see if there are any new questions. "Apropos price calculation, what do you have for neon?" I bought something similar once, it was about a thousand. I have absolutely no idea, I think “neonbär”. I'll concentrate on the next section, but look for neonbär.de or something. I think it's in Berlin and it's half handmade. If it isn’t and you have to google yourself, then look for something else. Whatever. I'll jump over again now. I would like to go into the small business regulation again later, what is a little different about it and so on. That is very different, depending on who your target group is now. What are the perspectives of your company and such stories? That's why I'm going to go into the third pillar first, so as not to overshadow the time so insanely, and go to the price calculation based on products.

That is also possible as a service provider and it’s more of a mindset thing, I would say. At the very beginning, someone wrote that he doesn't really like hourly rates, so he prefers project prices. That is to say, it is in the direction of such a product. It's about understanding your service, turning your service into a package that always helps by default. This is very entrepreneurial thinking in a way that you can scale it up. This means all fixed costs and variable costs are added together and product costing works very differently. That means you think about what you can bill for a certain service package and then think about what you would like to earn for each service package and how you can add that. Here, too, I have a kind of calculation sheet and will go through it again in a similar way. It's a little faster. Let's take one, I briefly mentioned my wife.

Let's take my wife as an example, because it is relatively easy to make such a transition. I now have my wife who does occupational health care, which means she is always with the company for one day. This day can be very systematic; it is almost always exactly the same. That means, she goes in, has a certain preparation before the day, no idea, asks the employees, then there is a content-related part, then there is an interactive part and whatever else. I have no idea, I haven't been there yet, but it basically has a workshop day as a product. And if she goes over and says “I'm calculating this product “workshop day” then the preliminary calculation works a little differently. She can now think about it, I also now have about 200, 220 or so days a year that I want to work. I would like to give 80 workshop days during these days, for example. Now she can think about how much material costs, procurement costs, personnel costs and so on. Material costs, which is nice when she has a workshop day, can include everything else possible.

She has a very standardised product, customers come and she can say: "Hey, I even did workbooks there." There are a few videos that accompany you, no idea of ​​videos that have to be watched before, then we have the workshop day, then there are another 10 videos afterwards, then there are exercises to do at home and all such things can expand the service and expand the advice and thus it becomes more and more a product and little “I give an hour and get paid for an hour”, but I can present a lot of additional things. For example, I can now go there and say I'm producing videos and workbooks and things like that worth 10,000 € for 80 €, 100 € , yes, I can come there. 10,000 € per workshop are roughly my material costs. Now, 10,000 € per piece, per workshop 125 € are the total costs. Honestly, that's not that much. I'll give you 250 €, material costs are basically there for that.

Then there are certain purchase costs. Purchase costs for the company are what my wife would charge and what they would have to pay. If I say now, for example, that I would always like to have my travel expenses reimbursed, then I can go here and say, I have no idea, there are 25,000 € per year in travel expenses. My wife can just go there and say, last year, what travel expenses she had and so on, no idea 312 € is about 150 €, 160 € per trip, it's quite a lot. Are we at € 20,000? Then she has her staff costs. Here too, I was counting on 42,000 € earlier. Now I'm also counting on 42,000 € a year. That said, that's their own salary. Of course she has to put that into it in order to deliver. Personnel costs are the same as before, this is the employer's share that the self-employed also have to bear. Rent is now 500 € per month. That is maybe a bit much.

I have 400 € a month for a coworking space. Then there are certain advertising costs. It places advertisements worth 1000 € per year. That is quite a lot. Let's say she's been doing this for a while now, with 500 € a month in advertising costs to sell her workshop days. Then there are other costs, IT and so on, which I also think is a bit high. 2400 €, it has a certain amount of depreciation and so on, that fits.

Insurance: we were earlier at 1200 €. We don't have to do that anymore and we have banking costs. These are practically her costs and now it is not like before with the whole calculation of what is that per hour, but she now has costs per piece. In your case, a piece is a workshop day. What a piece can also be, for example, is making a good acquaintance, she does it very well. Lisa Koch is a designer who creates a logo for you within a day. You can go there too, it really is a common working day, but she bills the logo piece by piece and has thought carefully about it. She has templates, she has all sorts of things, whatever she actually needs to create a logo and it calculates the price of a logo in the same way and the nice thing for the end customer is that it has extremely calculable prices. That means I could go there and say a piece is a workshop day, a piece is a, no idea, yes a logo, but a piece could also be a website and all those kinds of things. That is to say, it is something that is relatively standardised.

In other words, my wife now costs 1362 € per workshop day. So it cost more than me, with my hours that I sold and so on. Here, too, she can think about how much she would like, and also crucially, just like before, how much would she like to build up in addition to her salary in addition to profit, for such a buffer.

I was at 50% earlier, it's relatively decent, but why not? Why else are you self-employed? And it is better to start a little higher and then have a buffer downwards than to calculate super tightly and then have no more leeway. In other words, it then has a minimum sale price in the end. That means she has 2044 € per piece, per workshop day, for company health management. And exactly, then she adds the VAT here as well and then has a gross sales price for a workplace health management workshop day of 2,432 €. How does this work? You have a completely different possibility of scaling because you can price completely different things into it. If she goes there now and says she has this year, because everything is always the same, she can do a lot more because the videos at the beginning and the workbooks etc.

Are always the same. Maybe it is no longer individually prepared for each one, but is very standardised and can use many templates and has created its systems. It may not make 80, but maybe 120 and we can then think about it either considerably going down in price or can actually just turning the profit screw and simply making significantly more profit. And the really exciting thing is, when I think about it now, we are at 2044 € and to be at that price and really manage to increase efficiency and actually manage to sell 120, how much more could I put in in profits? That means I could more than double my profit, i.e.

More than double my surplus, in order to get the same in the end. And if you were to calculate that back on the hourly rate, it's a lot of fun. I hope that is reasonably understandable, the more standards you have, the more standardised problem solutions you sell, that can be a website, that can be a workshop day, that can be a consultation day or that can be a logo. That can be anything. That can be where customers come with a very homogeneous problem, you sell your solution and calculate in products. And then you have a scaling option that is very attractive. Why? Because then you can also give things to others under certain circumstances, because you can use things again, like templates. So all these things are possible if you calculate it as a product. And then, as a designer, hourly rates of 400-500 € and so on are really possible. For me, Lisa Koch is actually very good when it comes to that. Google Lisa Koch, give it up, let it go, you can find her on Instagram, she is a designer, she has a good podcast and so on.

She does it in an exemplary manner that she has put logo creation and website creation into such a productised service and I don't know her exact hourly rate, but I would bet that she earns quite good because she has a very systematic approach. And I was a customer myself, the product is excellent. So the end result, the result of what I get as a customer, is being really happy. I didn't really pay more than I would have paid elsewhere, but because it is very systematic and standardised, I felt very professionally looked after as a customer and not milked or something, which many think would happen. What are the advantages of such a price calculation? Clearly scalability. That means if you are independent now and you want to go and say you want to build up 1, 2, 3, 4, 5 employees. Then try, try to work like that, try to develop productised services and really calculate your service like such a product.

I know roughly what I'm talking about. I have an agency, I was a community manager, I started my own business as a freelancer, I built the agency up to 8 employees. Then there was Corona and all that kind of stuff and I joined Kontist and now we have said tax advice so can continue. Now we are where we are right now, that's why we are down to 5 employees, but the key to success is how to get out of a solo or sole proprietorship. We are now more or less an agency and we are selling more or less standardised problem solving. You can play with the amount very well and not only make small changes immediately, I mean an hourly rate calculation, i.e. an hourly rate increase of 10% – 20%, has a very significant effect on the customer.

But if you sell standardised solutions, there are 10 or 20% more, if you give me any templates or a workbook like that at the same time. I saw that with my wife, as soon as workbooks plus videos were included, there was suddenly 50% more to pay. The nice thing about it is that it only has to be produced once and not every time. And you can play a lot with the profit, that is, you also have a lot of room for negotiation and under certain circumstances, with my wife now, when there are large corporations, you can simply sell higher numbers. That means, yes, very easily scalable. The disadvantage is that the price can possibly be too high if the fixed costs are generally high, so in a way you have to be established. This is an area now where I would say, if you are self-employed, solo self-employed, you have a well-functioning self-employment and you are thinking about how you can still grow now, how can you build up employees 1, 2, 3, 4, 5? How can you really go from being a solo self-employed person to becoming an entrepreneur? That is the point.

If you are about to restart now, you can also mentally play it through, but I would always recommend first: go in first, don't try to do too much in packages, because that's where you calculate, so you need an empirical value for how long and what you need, because otherwise you will miscalculate very quickly and then the fixed costs are significantly higher than what you actually billed. Exactly the willing, well, that, yes, that means, you also have to see what the customers are willing to pay and so on.

And unfortunately that is not taken into account in the calculation. So much for that. I’m looking at the clock, we’re a little over, I'm sorry too. The next time I'll hold onto the one hour again. If you have now added it all up, I would say that we have now gone through three pillars of how you should calculate such a price and I hope you have had a few suggestions. That goes for both those who are a bit advanced. Calculate it back, especially if you have variable pay, but the big problem is always how it actually works.

And my experience now really is always: talk openly with customers. Even if you can't do that for a certain price, tell them: "Hey, look, I have similar projects, exactly, I paid for this and that." If your fixed costs don't work, say exactly that: “I can't handle the costs. So and so should be looked at. Where do we agree? " And don't let yourself be put under too much pressure, but rather openly communicate your concerns to your customers. I sometimes see that self-employed people, especially those who are new, somehow put on a poker face and thereby make life extremely difficult for themselves. Communicate openly. This has nothing to do with unprofessionalism or frivolity or anything else. Your customer knows that he has to deal with freelancers and you are not the only freelancer and I also notice that now that we have up to ten freelancers practically in parallel. A lot of people do it too, but a lot of those who are new to it don't do it, those who somehow always try to turn to some kind of negotiation strategy or something else.

As a freelancer, I would always play with open cards, but don't let yourself be undersold. It is also important never to calculate too tightly. That means all these calculations that we have now made. First try to determine your price for yourself, not to accept the case where everything goes super well, but always calculate a little more passively and a little bit like, what if it goes a little bit wrong. As I said, it is better to expect that you will be sick for 10 days, even if you have not been sick for over 3 years or something like that. In the end, this is your buffer that you can have which you can also build up, but in a certain way it’s also your room for negotiation. Now, for example, when a big customer comes and says: I want you full-time for the next 6 months, you know, you have almost 100% effective hours. That means you don't earn anything from it. And yet, if you have included 20-30%, these 20-30% mean no room for negotiation in the end.

And what comes with that is, as I mentioned earlier I'm incredibly good at reducing fixed costs, definitely more than raising prices. How many software tools I pay monthly are there that I haven't used in months? Go through this regularly, ideally every quarter, at least once a year, and then it is actually enough to scroll through such an account statement and go through and ask each position: Do I need it right now? Always go before the price increases, because it is simply much easier to cancel some great thing that you have not used for over 18 months, or to cancel a coworking space that you have not used in the whole of the Corona pandemic, than to raise the price with the customer now. If you are able, stop doing both. Increase the prices and reduce your costs and enjoy the additional result. So much for me today, for the time being. If you have any questions, we'd love to chat now. It’s nice that you're still here, nice that some are still here.

I have already promised a question and I have to look for it again first, namely on the subject of small business regulation. Before I answer, to all of you who are still there, before you miss it, you should definitely subscribe to this channel. Please, you would do me a huge favour personally. But most of all, we do a live webinar every week and you also get all the recordings we all upload from the webinars.

That means, if you are not there or something, you will get them all completely free of charge, completely without sales pitch and so on, unless you are looking for a tax advisor, then you should definitely take a look at the link under this video and have a free interview, like to book with me personally and then we can see if we can help you with tax. Otherwise, it's now about the small business regulation. "I am exempt from VAT as a small business owner, then will that just go away?" So yes, as a small business owner, you do your calculations, this is very important, and VAT is completely eliminated, both for your costs (you always pay the gross amount) as well as to your end customers. If you do not charge VAT then the box is good. Whether the small business regulation really makes sense is a completely different matter. And if you do, why? Customers, i.e. companies that work as B2B, I read that somewhere as B2B it doesn't matter anyway, for the very simple reason that the VAT that you would bill your customers, it can be claimed for them too as input tax.

That means, just as an example: if you bill 1000 € to a customer (or if you are billed 1000 € by a customer, then as a small business owner you are going to invoice 1000 €. As a normal taxable entrepreneur you charge 1000 € + 190 € VAT, that means gross amount = 1190 € and you get 1190 € in your bank account. You have to pay this 190 € to the tax office and your customer can repeat the 190 € at the tax office.

That means for the customer the effective debit is only the net amount anyway. In fact, the question is, if you, as a small business owner, have business customers, I would recommend in the vast majority of cases, do without the small business regulation. It is not at all compulsory, you can do without it right now. Just know the VAT, because then you have the advantage that there is no difference at all for the customer. For you, however, it has the great advantage that you can claim input tax, that also means the costs that you have, you only pay the net amount and a laptop like this quickly costs 200-300 € less because you can claim input tax.

If you have end customers, it behaves a little differently, because end customers, that is, we private individuals, do not have the opportunity to repeat the idea to us. That means for example, what am I thinking of now, is it’s pretty warm today, if I go to have an ice cream now, it is admittedly a stupid example, but if I go to ice cream for 1000 € now, then I do not claim input tax and then it is always cheaper for me if the ice cream seller is a small business owner and immediately sells me the 1000 € gross net.

If it's an entrepreneur, then the entrepreneur earns less from it because he still has to pay the VAT, but I can't do anything with it because I buy it as a private person. This means that if you have private customers, the small business regulation usually makes sense for you. If you have business customers, I would almost always recommend you to stop doing it. Voluntarily renounce small business regulation and so on. We can also go over this one-to-one in your specific case. Under this video, you should actually find a link where you can book such a consultation. Or another idea: write an e-mail and then please contact Melchior directly, I'll write that in to [email protected] and write: “Hello Melchior, as discussed in the webinar” and so on.

You can do the same for other tax issues as well. Then do that, because that ends up going straight to me and exactly, then let's just talk one-to-one, then you can give me a little more context and so on. But as a general rule, as a small business owner, regulation actually rarely makes sense for corporate customers. So, a question: “What are the disadvantages of daily rates? I like to charge daily rates of 6 or 8 hours including travel. I am sometimes unsure when there are significantly more or fewer hours per day. How do you communicate? " That's kind of the topic. Daily rates are either the hourly rate x 8 or x 6 or you just try for fun, you have the sheets now, just try to calculate for fun, once as a product, try to sell your day as a product.

And yes it’s true, you might not be super happy every day because sometimes it's 12 hours and sometimes it's only 5 hours and so on, but you want to have an average value like that. And from this wealth of experience, ideally you also document it. It was a huge game changer for me when I started to write down my own time. I once did that for a year, so that I really do my own work for just fifteen minutes, even if I've read a book, if I've done a webinar, and stories like that.

I wrote everything down to get a feel for it. And also in your case, average values ​​are absolutely nothing against it. I have now taken out the daily rate calculation because it is actually exactly the same as the hourly rate calculation, just 6, 7, 8. But just try to calculate that like a similar product. Then your product is just a consultation day or a programming day or whatever. Answer: “The logo is extremely complex. Sorry, that's not a standard, at least if you don't work for a chip shop. " Solano, google Lisa Koch, she does it super well and it is definitely not cheap. It's not a great discount either, there has been a lot of experience in it for years, but that's exactly what she did.

She made a logo like a product. Admittedly, flat-rate prices are always more expensive for people who are maybe super simple, who have made a lot of preliminary thoughts and things like that. It's always like that, when you have a flat rate, it's always the ones, the customers, who have simple requests, who are always the more expensive ones. I can also have a hands-on chat for tax advisors. We make a fixed price. So the Kontist tax advice services are fixed price and if I do it once a year, we have an annual tax return price of 1200-1800 €. That means 100-250 € per month, that's a flat rate. There are of course the customers who are super tidy and things like that and there are the customers who are super time-consuming and have 1000 questions and stories like that. But we are there every year, too. Sometimes there are those, sometimes someone has a lot of questions and then the other, sometimes someone is a little tidier than the other.

In the end, that's a mixed calculation and we don't go in and say we have to have the same margin every hour we work, but it is a certain mixed calculation. Of course you can also offer a logo at a flat rate, but then of course you need the experience that you know how time-consuming it is and how many steps go into the work, how much time you have to put into it and all these things. You have to, you know, but when you've done that a hundred times, you have an average value and then you can set a price based on this average value in which you earn quite well on average, so that in between you have a customer where you say that is difficult, yes, but in the end this is the entrepreneurial risk that you actually bear.

You don't have to do it like that, but it can work and is especially recommended if you want to scale. Next question: “Mega great contribution and thanks for the examples and the involvement of the audience. Especially for taking the example of my job as a consultant." Gladly, that was a coincidence in your case. I hope for the others. "Even better, rough delivery, really cool. I like it too, thank you, it was nice and informative, very nice, there was a lot of good stuff." Very nice, if it helped you, I am very happy about it. "So far I only have private customers." Then stick to your small business regulation. I mean it completely seriously, because private customers cannot claim input tax and if you start with taxes now, your service will end up being more expensive or less deserving of it. So stick to the small business regulation. Manuel writes: “From my own experience in web design, an incredible number of customers want to know the hourly rate, even if you might want to offer daily rates or project prices. Therefore also ask for the budget for the first time.

" Exactly! Exactly! That is general, that also applies to the negotiation at the end, what comes out in the end, whatever I did. Even after many years and 1000 new things, people always want to know an hourly rate, they always have a certain idea, but don't even know how many hours they actually need for what. That's why it's such an alibi of security that they somehow want to get into.

The easiest thing is really: ask! Honestly, I swear down, ask how much budget they have and then talk about what we can do for that budget. And then you no longer discuss hourly rates at all, instead you talk about what is feasible for this budget. And that's excellent and you've got yourself out of this annoying hourly rate calculation in the sense of: “We don't pay more than 70 € for something or not more than 100 € for something” and stories like that. "For the sake of simplicity, could travel costs also be specified as flat rates?" Definitely! Absolutely.

Stop billing with this one and that, I would always do a flat rate. Very importantly, when it is the travel costs, many people do something wrong and that is when they pass on travel costs, always calculate, very simple example, short digression, all the people who are bored, they can also remember that I made a video about this that has already been uploaded on this channel. What is important, however, is that there is regulation in the VAT law, you can read about it in this beautiful book, because it says, if I read aloud: "The ancillary service shares the fate of the main service." That means, if you have a consultation day, for example and you drive to the customer and have travel expenses and a train ticket is charged with 7% VAT and your consultation services with 19%, a lot of people make the mistake of passing on the consultation with 19% + travel expenses with 7%, then you have both tax rates on your invoice.

Unfortunately, this is wrong because in this beautiful book it says: the ancillary service shares the fate of the main service. That means, if you pass on travel costs one-to-one, then you have to tax the travel costs at 19%. Why is that? There is another separate video on this channel, you have to scroll down. Calculate travel expenses and that's what it means. Next question: “When would you recommend a GmbH? Is it possible to found a GmbH in two business areas? " Second question. First: yes it is possible to set up a GmbH with several business areas, no problem at all. When that makes sense, I can't tell you in such a general way. That has a lot of influencing factors; there is the limitation of liability and on the other hand there is possibly how you are scalable and how you want to be. Also there are tax aspects and all that sort of thing. From a tax point of view between 60,000 € and 100,000 € annual profit, this can also make sense, on the other hand you have a lot more bureaucracy and so on. It's not such a simple yes-no question now, I would need more context for that.

So, "Thank you very much, thank you for the webinar, thank you very much, thank you." Wonderful, now there are no more questions, I thank you very much. Nice that you were there, enjoy the nice weather if you have nice weather. It's absurdly warm in Berlin and yes, I'm also glad that I can now open the window after this webinar. I wish you a nice evening, until then, ciao!.

As found on YouTube

welcome to collaboration Healthcare principles of interprofessional practice my name is Maria Walmsley and I'm a professor of clinical medicine at the University of California San Francisco in the School of Medicine in this course you're going to learn some of the key skills and principles of interprofessional practice that will hopefully help you as you move into your professional career we're going to start in module 1 talking about what is it all about introducing core interprofessional concepts our learning objectives for this module are that by the end you'll be able to define interprofessional collaborative practice and interprofessional education you'll be able to discuss the impact of interprofessional collaborative care on patient safety and quality of care we're going to describe some of the current changes in the healthcare system that necessitate increasing interprofessional collaboration you're going to compare and contrast different forms of interprofessional work and describe some of the key elements of effective team-based care finally we're going to talk about some of the facilitators and barriers to interprofessional collaborative practice that exists segment 1 what is interprofessional collaborative practice in this segment we're going to define some key terms for you that we'll be using throughout the course and we're going to provide you with a framework for interprofessional collaborative competencies we're going to discuss some of the changes moving health care towards interprofessional collaboration let's start by defining interprofessional collaborative practice there have been a number of different terms used including interdisciplinary and multidisciplinary you may have heard these in your work and many people use these interchangeably we're going to try to stick with interprofessional because that really reflects what we mean in this course the World Health Organization defines interprofessional collaborative practice as occurring when multiple healthcare workers from different professional backgrounds provide comprehensive services by working with patients their families carers and communities to deliver the highest quality of care across settings there are many frameworks and to think about interprofessional collaborative competencies this is one framework that's derived from bars framework in 1998 that really thinks about three different types of professional competencies that professionals need to master the first is really the set of competencies that you need to master as part of your discipline and for each discipline or profession we have a specific set of competencies that we have to master an example of a disciplinary specific competency would be rehabilitation so physical therapists have expertise in rehabilitation and obviously there's a lot of overlap between the professions in terms of these disciplinary specific expertise areas in addition to the Disciplinary specific expertise their common competencies that we all share as professionals these are things like systems thinking continuous quality improvement and patient-centered care these are things that we all have to master as professionals and cross the professions and then finally there the interprofessional collaborative competencies where this course will focus these are things that as healthcare professionals we need to master in order to be able to work together things like understanding teams knowing the roles and responsibilities of those who work on our teams how to effectively distribute tasks and a team some communication skills that are useful when we're collaborating with others and then conflict management skills and this is where our course will focus if you contrast the definition of interprofessional collaboration with interprofessional education you'll see how they are related interprofessional education is increasingly seen as an important part of giving learners the knowledge and the skills that they need to better collaborate with other healthcare professionals in the workplace in this course we hope you have the opportunity to learn from the other folks taking this course with you those people who are from different professional backgrounds interprofessional education occurs when members usually students but it can also be healthcare professionals of two or more healthcare professions engage in learning with from or about each other in order to enable effective collaboration and improve healthcare outcomes interprofessional education as I mentioned is really critical to developing the knowledge attitudes and skills to better function in an interprofessional team hopefully with these skills interprofessional collaborative practice will improve and we know from studies that interprofessional education does improve attitudes towards interprofessional collaborative practice and increases trainee skills in interprofessional collaboration as we'll discuss in upcoming segments interprofessional collaborative practice can also lead to improved patient outcomes it improves healthcare access it improves patient safety and in decreases error rates now that we've talked about some definitions let's humor some healthcare professionals have to say about the importance of interprofessional education and interprofessional collaboration in their own work I think historically there's been this idea that the doctor-patient relationship those two people is the most important thing and I would argue actually that's not true anymore if it ever was that the most important thing is that the patient has a relationship with multiple members of the team students should have the understanding that they're expected to function in an interprofessional practice setting in the community from the very beginning of their education from the day they start medical school nursing school dental school have the deans and their initial courses reference the fact and set up the expectations so that it's clear and they know that it's important for a very successful collaborative effort everyone needs to have the same goal whether it could be – you know decrease hospital readmissions or you know improve the patient experience in the waiting room or better manage their medications is I feel like every professional needs to be on the same page recognize the strengths and limitations of your own profession and you'll reach outside to other disciplines – to ask for assistance in managing a complex situation and understanding that another discipline may be may be able to handle a situation better than my own and then just having the being humble enough to ask I think it's really exciting that there is so much attention right now on interprofessional education it's a theme that's close to my heart and I think it really does improve outcomes for patients and I think it also improves and contains health care costs I'm hopeful that this is not a moment in history and rather a transformative shift in how we think about healthcare why is interprofessional collaboration become increasingly important in healthcare well there a number of forces that have led us to the realization that we need to collaborate effectively with other healthcare professionals in order to provide high quality safe effective patient-centered care medicine has become increasingly complex and specialized modern healthcare is evolving at a rapid pace the u.s.

national guidelines clearinghouse now lists over 2,700 guidelines and each year their results of more than 25,000 clinical trials are published in the literature no single provider is able to stay abreast of all this information and we can't function as an island in addition we're seeing increasing comorbidities in our patient population that really require multiple providers to work together collaboratively it's estimated that the average Medicare beneficiary in the United States visits two primary care providers and five specialists at per year and that's in addition to multiple other members of the healthcare team such as pharmacists nutritionists nurses dentists and social workers this level of complexity and comorbidity really requires that we work together and finally the aging our population means that we're seeing an increased burden of chronic disease many of these patients again have multiple comorbidities that benefit from a team-based approach to care we'll talk more about this in an upcoming segment about some other changes as well in the healthcare system that are moving us towards more collaborative care so now let's check your understanding of what we've talked about what is interprofessional education health care providers from different professions collaborating to provide patient care two or more professions engaging and learning with from and about each other or students from different professions learning the same material together that's correct it's be two or more professions engaging and learning with from and about each other now let's use a case to illustrate how some of the complexities of medical care require us to work better to collaborate this is the case of mr.

John Morgan he's a 75 year old gentleman with multiple chronic medical issues including congestive heart failure hypertension coronary artery disease chronic kidney disease an elevated cholesterol he's a smoker and has depression and anxiety he's had multiple admissions to the hospital in the past year for congestive heart failure and has a poor understanding of his disease his medication regimen is complex he frequently misses his clinic visits due to transportation issues and during his recent hospitalization the dose of diuretics was adjusted in order to better control his heart failure unfortunately he had difficulty obtaining his medications after the hospital discharged he has a poor understanding of dietary restrictions and although he was told to monitor his weight at home after the discharge he didn't have a scale he was unable to book an appointment with his primary care provider Rene Sanchez at the time of his discharge and when offered up an appointment with another member of the team he declined unfortunately after being at home two weeks he was readmitted to the hospital for worsening congestive heart failure this scenario is all too common in health care heart failure is one of the leading causes of hospitalization among adults over 65 in the United States and despite dramatic improvements in our treatments of heart failure rehospitalization rates remain high with as many as 50% of patients readmitted within six months after a discharge it's estimated that up to 75% of these admissions may be preventable with better access to care better communication and coordination of care at the time of discharge there were obviously many challenges in mr.

Morgan's case at both system's level and the hospital and things that were preventing him from accessing care from his home now let's reinvasion his care in a more team-based care model a team specifically designed for patients with congestive heart failure so mr. Morgan met with that congestive heart failure team nurse mark Lloyd and a nutritionist prior to his discharge from the hospital the CHF team was able to provide a scale to mr. Morgan at low cost mr. Lloyd contacted mr. Morgan within 48 hours of his discharge from the hospital and identified that he was having trouble obtaining his medicines the team pharmacist John Wilson reviewed mr. Morgan's medications for drug interactions he was able to simplify his regimen for better adherence and he spoke with him and educated him about that medications he was taking mr. Lloyd was able to visit mr. Morgan at home to reinforce the need for daily weights and dietary restrictions he also helped to arrange follow-up with mr. Morgan's primary care provider and also with his cardiologist the social worker on the team Paul Trimble provided support and helped to arrange transportation to his upcoming visits so congestive heart failure is really just one example of a disease in which an interprofessional team-based care approach is increasingly recommended as a way to improve the quality of care to prevent rehospitalization and to improve the patient's quality of life CHF programs with an interpreter channel team approach have been shown to reduce the risk of hospitalization by 20 to 50 percent and are associated with fewer costs so some of the key learning points from this segment interprofessional education and our professional collaboration are increasingly recognized as key to providing high quality patient-centered care interprofessional collaborative competencies are important for all healthcare professionals and interprofessional collaboration can lead to improved patient outcomes so let's turn to a forum discussion question where in your work have you seen positive examples of interprofessional collaboration that enhanced patient care we look forward to hearing from you online

As found on YouTube

Preparing and getting all the documents ready for a US visa process can be quite a task. So I'm here today with this video to make this simpler and easier for you In this video, you will find a comprehensive document checklist, especially for the B1/B2 visa category keep on watching. Hi guys. My name is shachi and welcome back to my channel So I have uploaded a lot of videos on the US visa process Make sure that you check them out something which I get asked very commonly and which bothers a lot of people is what all the documents that we need to carry with us for the visa process. Now, there is no simple straight answer to this because these documents have a very important purpose These documents are there to check how legit your visa application is What is your financial stability and what are your chances of coming back to India So to cover all these things, I have classified the documents that you need to carry with you into four different categories And in this video, we are going to go through these categories and give you a checklist of all the documents that you would need Let's get started.

The first category is essentials and in essentials are those documents, which you absolutely must carry with you when you go for your visa interview I mean, without these documents, you will not be able to give either your biometric or your visa interview The first essential document is the passport So you need to ofcourse carry your passport, but what you need to remember is you need to carry your old passport as well So when you go for the visa interview and once your visa is approved they will keep the latest one and return all the old ones to you But for the process, you need to carry the old ones as well So remember to take all your passports with you second essential document is your DS160. Now DS160 is the online application form which basically starts your US visa process When you fill your DS160, make sure that you save a copy of it on your drive or on your laptop and print this copy and carry it with you for your visa interview In the interview, the embassy officer will also have a copy of your DS160 with him So it's important that you know what you have written in there because the questions might be based on it I actually have a separate video, which discusses how to fill DS160 and what are the mistakes that you need to avoid in it Make sure to check it out The third essential document that you need to carry with you is your appointment letter Now your visa appointment letter basically indicates the date and the time for your biometric as well as for your visa interview And they need to see this letter to let you inside both the biometric center as well as the, interview center So make sure that you carry a copy of your appointment letter as well So to summarize, these are the three essential documents that you absolutely must carry with you, your passport, including all your old passports copy of your DS160 and copy of your appointment letter So the next category that we are going to discuss are the financial documents and financial documents are very, very important because having the financial capability to travel to the USA is an important factor in deciding whether you will get your visa or not this is because they don't want people to go there, run out of money take up some illegal work and increase the risk of immigration.

So it's important that you show you have enough funds for the designated duration of your trip And here's my checklist of financial documents for you, your bank statement this is perhaps the most important financial document So make sure that you have a very legit clear copy of your bank statement for the last six months If you can get it signed and attested by a bank, that'll be better Second is your salary slip. So make sure that you have a payslip or a salary slip for the last three months, and this is either on the company letterhead or it has a seal and stamp of your company The third ITR returns ITR returns of last three years is pretty much essential Fourth is proof of investments So whatever investments you have be it FD mutual funds shares, or any other form of investment carry a proof of these investments again preferably sign and attested by your bank and fouth, and the last financial document that you can carry with you is proof of any property or any longterm assets that you own in India The third category of documents is the travel documents The US visa process does not require you to book a flight or hotel before you apply for the visa but there are certain travel documents, which you need to carry with you And this is your checklist for that the first one, is travel itinerary, travel itinerary is basically a day by day plan of what you plan to do during your stay in the US So you need to make a table which will have the day number on one column and you have planned for that day on the second column, print this document and carry it with you The second travel document is the list of Hotels Now you need to have with you a list of two to three probable hotels along with their addresses and phone number, which you intend to book during your stay in the US If getting a list of hotels is not possible, at least have an idea about the areas where you plan to stay If you're planning to stay with a relative of yours, then make sure that you have their full name and their full address and phone number with you Third travel document is event details If you're planning to travel to the USA for any event, be it personal or business then you need to carry proof of that event with you It could be event brochures event websites or invite letter, which you might have got in your name In addition to this, make sure that you know, all the details pertaining to that event, such as venue, time dates, sponsorship, details, purpose of the event and so on Last travel document is invite letters Now invite letters are something which are very powerful and if done correctly can really help your US visa application invite letters, can be used for both business as well as for personal travel So if you're traveling for business or you're traveling on behalf of your company then you can get the invite letter from your company preferably get it from the US office of your company which States the purpose of your travel, the dates of your travel, and also the sponsorship detail So if your company is funding your travel and paying for your flights and your accommodation then make sure that, that is mentioned in the invite letter Now let's talk about invite letters for personal travel If you're planning to go to the USA to visit a close relative such as siblings, parents, or children, then you can also get an invite letter from them And this can help your visa application as well The next category is personal documents Now personal document varies with each person and it depends on each person's profile And honestly, they cannot be a set checklist for this But still, there are some personal documents, which might be important to you the first one is a letter of NOC or leave approval letter from the company So if you're planning to travel for a holiday, then you need to get this leave letter of approval from your company which States clearly the intended dates of your travel and the purpose of your travel If you are a business owner, then you need to carry with you proof of your business ownership If you're a freelancer, then you need to carry with you proof of your work For example, I had to show all my YouTube videos.

So he actually opened my YouTube channel and checked all the videos that I had uploaded. So as a freelancer, make sure that you have some proof of your work with you. The last one is about sponsored trips Now, if your trip is being sponsored by somebody else, then you need to have a letter from your sponsor which clearly states that that they are sponsoring you And you also need to carry proof of funds of your sponsor with you So these are some of the personal documents Of course they might be more, it really depends on each person's profile and each person's purpose of travel If you want my help in figuring out what are the personal documents, which might be essential for you then book a one to one consultation session with me I will leave the link for this in the description box below this session will really help you to be more thoroughly prepared I worked with lot of US visa applicants and help them get through this grueling process and get their visa approved and I'm sure it'll help you out too So guys, this was quite an extensive video covering all the documents that you would need for a us visa process, especially for the B1/B2 visa If you have any more questions, leave them in the comment section below you can also DM me on Instagram, my Instagram handle is right below Please make sure that you like this video and share it with friends and family who are also going through the US visa process like i mentioned earlier, I have other videos on the US visa process I'm going to leave them on the screen right here make sure to check them out So that's all for today signing off for now.

I'll see you in the next one. Bye..

As found on YouTube

MUSIC A big hello to you all, here is
your horoscope for this week from January 27th to February 2nd. So you like the video, you subscribe. If you want a consultation with Zoé or with me, you write to us. Then you don't forget that there is a live on Tuesday from 9:00 p.m. to 10:00 p.m. And finally our social networks, Instagram, Twitter, and the Facebook page. MUSIC Aries and Aries ascendant, in your horoscope this week, it's a little less fun than
last week, but hey, the sun is still in Aquarius, I can reassure you, so it sends you some rather nice energies on the side friendships, projects , everything that is ultimately creative, too. But so Venus in Pisces, where she is still quite strong since it is one of her favorite signs , well she will be in conjunction, the strongest aspect, with Neptune! So, as far as you are concerned, this is in your 12 sector, which is a Pisces sector, so there is twice the
Pisces side, and I must advise you to be careful not to believe in certain things that wouldn't be true, or not believing certain people who would tell you canards, or not playing a movie in your head, illusions about someone you
think you might be able to have a relationship with ? Be very critical of yourself and how you may be
feeling, and try to guess or exercise your intuition about the people you meet.

Tell yourself that often the first
impression is the right one! Because the first impression, it
is based on intuition, and I mean, with Venus in Pisces conjunct Neptune, you must have intuition, normally! But it may be distorted by your desire, so try to disentangle desire from reality, that's really the advice I can give you. Thursday could be a good day, in any case it will be an energetic day because well, the moon will be in your sign, in Aries, and it will be in harmony with Mars, which sends very dynamic, very tonic influxes in the 2nd decan. So good, if you have decisions to make, or something to start, to undertake, it's really the right time! MUSIC Taurus and ascendant Taurus, in your
horoscope for this week , well, we are still in the Aquarius period, but hey, the sun is no longer…

From Wednesday, it will no longer be in dissonance with uranus, so you will be less nervous, less stressed, and ultimately much more open
to the rest of the world. And it can also be seen thanks to the aspects that Venus will form. For you, these are good aspects, but not necessarily for
others. So Venus is conjunct Neptune this week. Neptune is a planet that is very difficult to interpret because
it can be both a source of terrible illusions and disillusions! And at the same time, the planet of idealization, of fusion, you believe you have finally met the man or the woman of your life, or you think you are in a situation where you are going to receive a huge sum of money , in short! There is dream, there is illusion, but therefore there can also be disillusion! That said, Venus is in good aspect for
you if you are from the 2nd decan.

So hey, is it possible for you to
meet? Yes! But you have to be careful not to make a bad choice, or not to idealize the person too much because by dint of idealizing, you don't see them, you don't see the other as they are. So be suspicious on that side, but I'm not worried because you are already suspicious by nature, so inevitably, you don't give your heart like that , overnight, it doesn't happen with the Bull! Everything takes time, and sometimes it really helps you, and especially in your affairs of the heart. Well, don't hesitate 107 years either because you'd be missing out on the opportunity. Monday and Tuesday will be rather good days since obviously, the moon will pass in Pisces and that it will update the Venus/Neptune conjunction. So you may be in the middle of… In the middle of amorous reverie? In the middle of a sentimental film that will make you feel rather intense emotions! But why not? It's good for the
health! MUSIC Gemini and Gemini ascendant, in your horoscope for this week, we always find the sun in Aquarius, which emphasizes your personal progress, the trust that you can place in yourself or in others.

But hey, you should know that it's
a period that's always quite progressive, the Aquarius period, where you can make progress! The problem this week is going to be for the 2nd decan. The 1st decan, he always has the sun. But the 2nd decan receives a dissonance of neptune, conjunct Venus! Venus and Neptune, they are together this week, and gosh, it's a configuration that you know well since Neptune has been in dissonance with you for ages! So you risk being very disappointed by someone, even for some, betrayed, and good, you will obviously be badly! The best thing to do in these cases , since the sun is in Aquarius, I would have given you another piece of advice if it was in another sign, but that is to get closer to your friends! To find with them the confidence that you can have
in humanity because, if you live a betrayal, it is true that it does not give confidence in the human race! But with your friends, you can recharge your batteries, you can a little… not forget, but in any case think less
about the possible disillusionment or betrayal that you will have experienced.

But this isn't the first time you've had this look, it's been refreshed many times in 2019! On Thursday and Friday, the Moon will be in
Aries and will actualize, giving more strength to the Aquarius side of the situation. That is to say to all that is friendship, mutual aid, solidarity. And so these
will be good days to see your friends, and follow the advice I have just
given you, because they are your friends, it is with them that you will find your center, your inner stability. MUSIC Cancer and rising cancer, in your
horoscope this week, there is a good aspect! So, we're still in Aquarius, and we've seen that as a sign,
for Cancer anyway, who can handle your money. But he also manages crises, small crises because the sun is fast, it lasts a day! Small crises with your partner, an emotional or professional partner. But hey, there is this conjunction between venus and neptune which will be in good aspect with you if you are from the 2nd part of the 2nd decan, that is to say those who were born after the 3rd and 4th.

July. It's a very good situation, you can be madly in love, in a very fusional atmosphere with the one you love. You can make family dreams, completely dreams … make a sentimental movie out of
something real. But be careful, because you can make a film just as sentimental, just as pleasant , from something virtual, that is to say something that you will have invented and which will
not be attached to a reality. So the advice I give you is
to try to make the difference between what you think exists, and what really exists! There may be a real relationship, to which
you are deeply attached, and with which there is something of an osmosis. And then there's another one that's not necessarily based on anything real. So learn to tell the difference. Monday and Tuesday, precisely the moon will be in Pisces, and it will pass by conjunction on this meeting
between Venus and Neptune. So it will perhaps be the strongest time of this situation, Monday, Tuesday, both days. So these are times when you either have to, if it's really concrete, make the most of it, or realize
that maybe you're off the mark and you're imagining things that do not exist.

MUSIC Leo and Leo Ascendant, in your horoscope for this week, we obviously find the Sun in Aquarius, which invites you to focus more on others, and on your partner in particular , trying not to invade him too much, not to deprive him or her of their
freedom too much. But the important aspect of the week, well it is a meeting between venus, which will be in Pisces, and neptune which is also in Pisces since they will be in conjunction. But Pisces, for the lion,
it's a sector of crisis, it's a sector where… Sometimes… So the crisis can be financial at certain times, or romantic at other times. There, I would be tempted to say that it's a little love crisis but hey, I could be wrong, I don't have your personal theme. So both are possible. The fact is that with venus conjunct neptune, we can make errors of judgment, we can idealize a situation, we can believe in something that is not there, or that is not there yet! For example, you can…

Let's say you have won a certain sum , well you may be anticipating its presence in your bank account,
and spending this money you don't have yet! For now, it's virtual money. Venus/neptune, it can be something very virtual, which only exists because you think it exists. So that's a possibility, it can also play out in the area of love where you can make a rea film of yourself and believe that a certain person is in love with you. But it can also be the reality, that is to say that you are harassed by someone who wants you at all costs! Two good days, Thursday and
Friday, with the moon in Aries.

As a Leo, the Moon in Aries puts you in a good mood. So you may have a crisis here, a problem there, a disillusionment, whatever you want, these two days, Thursday and Friday,
will allow you to take some distance, maybe even that you will leave for the weekend. end Friday, anyway, you will think about it for months. MUSIC Virgo and ascendant Virgo, in your
horoscope for this week, we find the Sun in Aquarius, of course.

So it emphasizes your work. And don't forget, that all the other planets relate to the sun. So the aspect of the week is not the Sun in Aquarius, it's Venus meeting Neptune facing you in Pisces. So all that, relating to
Aquarius. It is therefore very possible that you are
wrong about someone you work with. Or that you make a mistake in your work. Because the meeting of venus and neptune can produce illusions , disillusions, and precisely errors of appreciation. Let's say that for example you can be given a job, you tell yourself that it's going to be easy, that you'll get there easily, then finally you find yourself faced with something extremely complicated. Or, on the contrary, you are given something that you say is going to be horribly difficult to do, that it's going to be too complicated, that you're never going to be able to do it, when in fact you are quite capable to do so, and to do so in completely normal times. So don't believe everything your imagination will present to you, all the images you will have in your head, or even the feelings, try not to believe it too much, and put the situations to the test of reality! It's the only thing to do so as not
to be carried away by an imagination that's a little too flourishing.

So in the relational field, of
course, it can still have a certain effect. Illusion, disillusion, sometimes betrayal. But I think you know exactly what it is. There are two days when you will be much more grounded, it will be Saturday and Sunday , since the moon will be in Taurus
and you will have… You will see things in a more concrete way, and like the Venus conjunction /neptune will have passed, maybe you will say to yourself that you were stupid, that you did not see this, that you did not see that, you will analyze the situation and find your way around.

MUSIC Libra and ascendant Libra, in your
horoscope for this week, we find of course the sun in Aquarius, and all the planets relate to it, it is the master! So we are in a
creative configuration, which allows you to put yourself forward or take more care of your children, for example. Next to that, so we have a
meeting between Venus and Neptune, in Pisces, and Pisces is your sector of work, so I think it will affect more everything that is in the field of your businesses, your creativity , etc., because hey, the Venus/Neptune conjunction, as much as it can be positive, and…

Bring you back financially, even more than you thought at the start! There is an inflationary side with venus/neptune, so a lot. And you can also be very disappointed because you were expecting a sum, which is coming, and it is not up to your expectations. There is both, in a conjunction
with neptune , illusion, belief, and possible disillusion once
reality is before your eyes. We will say that the same thing can happen
on the affective level, that you can suddenly fall for someone you work with since we are in the Aquarius period, which
is your work sign.

So you can fall for someone
who you work for, or who you see every day in your activities if you are not working. But hey, so there too you will have to ask yourself the question: is it real? Is the other person really in tune with you? Or are you kidding yourself? You will have to ask yourself the question! Tuesday could be a good day, I put that in the conditional, insofar as the moon will meet venus and neptune. So either you are going to be even more in something of belief… And you will seriously believe in it! or you risk being in something of the order of illusion or disillusion, but always in the field of work and daily life.

MUSIC Scorpio and Scorpio ascendant, in your horoscope for this week, we find of course the sun in Aquarius which sets the tone for the month… and it's a family tone. Aquarius represents your family sector, and your intimacy too. Besides that, we have a very nice aspect, at least for you Scorpios, it's a meeting between Venus and Neptune that will be in phase with your 2nd decan. So it's a very fusional configuration. You can be in osmosis with your partner, or with one of your children whom you put on a pedestal, whom you adore… There is a side of adoration in
this situation. But you have to be wary of neptune, because even in good aspect, it can produce falsehood , illusion, belief, you see we are convinced that we are in a relationship…

Completely disinterested for example, like the relationship you can have with a child, And in fact, well, it's not quite what we thought! We can believe ourselves very much in love too,
but we are not that much. But we realize that afterwards, once the aspect is over because we are living in the moment, and you could experience intense, fusional moments, with feelings that will not be far from being mystical.

However you can feel that if
you are a fan of a religion. You can all of a sudden have a… how to put it? Something very mystical takes hold of you, very strong impulses towards the Almighty, for example. Two good days, Monday and Tuesday, with the moon passing over this Venus/Neptune conjunction. So
of course, it will be accentuated, and so I advise you all the more to have a critical mind, to be a little reserved while allowing yourself to feel emotions, feelings. There is no reason for you to put barriers to this emotional flow. But you still have to keep your feet on the ground! MUSIC Sagittarius and Sagittarius ascendant, in
your horoscope for this week, well, you are still very friendly with Aquarius, who manages your relationships with your loved ones, your ideas, your way of expressing yourself, of convincing, etc. And no doubt you will excel in
these areas.

But there is a problem that will be especially for the 2nd decan, that is to say that venus will meet neptune. So it only happens once a year,
that's for sure; but hey, it's in dissonance with you, so 2nd decan. You have to be wary of this aspect because it's true that you can live
sometimes unforgettable moments, where you are fully in a relationship that is very fusional, you are in osmosis with the person, and well, there is always a moment when it drops, when you are… you are disappointed. But hey, by simply the fact that it loses its intensity. These are moments, we must not believe that they will last forever. And the problem that you have is that there is a strong belief that these moments can last. Nope! So there you have to accept it, you have to manage to accept the fact that these moments, which are exciting moments
as you like, may not last, and especially sometimes be totally illusory! Well, in the most extreme cases! The advice I can give you is to try to be as lucid as possible, while experiencing what you have to experience, experiencing the emotions you may experience.

But, we must try to keep a kind of vigilance. Two nice days, Thursday and Friday, the moon will be in Aries so you will be valued, probably by this Venus/Neptune conjunction which will really give you the impression of being on cloud nine. And so you will feel like the kings of the world! It happens to you quite often! But therefore pay attention to the possible disappointment that there may be behind, or disillusionment.

MUSIC Capricorn and Capricorn ascendant, in your horoscope for this week, the sun is always in Aquarius , anyway, he is the boss, all the planets are subject to him, and in particular Venus! But Venus makes a very good aspect for you this
week. It's conjunct neptune, so there's a side, if you will, inflation, many , many. And a lot of what? Lots of what? We can ask ourselves the question. Well if we are to believe the situation, a lot of what Aquarius represents, the sign of the month: a lot of money! So hey, maybe I'm exaggerating a little bit, you have to tone it down… It's possible that you'll earn some
money this week, that's for sure, at least if you're from the 2nd decan. But even the 1st decan is well served too. So…

But be careful because there is always a notion with neptune, you may know it, a notion of belief. We believe in the feeling we feel, we
believe that we will have a lot of money, we believe this, we believe that, and… We can be disappointed, of course! There may be a loss of illusions. It is not at all to be excluded! But hey, it's still a configuration that brings you to relaxation, and if there is relaxation, it's because money matters are less stressful than they were, for example the last week. It's a possibility. And then on the affective side, in love,
you may also have intense feelings and emotions towards someone. Saturday and Sunday, you will have a good weekend, the moon will be in Taurus, and therefore you will be quite happy with yourself, and quite happy with the situation in general. Moreover, the moon in Taurus emphasizes Venus, which is the ruling planet of Taurus. So Venus being valued, you will be really good about yourself, good with yourself, and good with others, and especially your spouse or your children.

MUSIC Aquarius and Aquarius ascendant, in your horoscope this week, happy birthday to those who celebrate it!
Of course, there is not… Well, there is still a little bit of dissonance
from uranus, so still a little bit of nerves, a little bit of anxiety, a little
bit of negative anticipation d a situation, but it will pass very quickly! In addition, there is an aspect between Venus and Neptune which can be important. Venus currently occupies Pisces, which is your sector of well-being, of comfort, of money. And it meets neptune, which is an inflationary configuration! There's a lot, sometimes there's even a lot more than we thought, so, well… The first interpretation that comes to mind is that you're going to receive a large sum this week. It's not impossible. But you have to be wary of neptune, because neptune produces dreams, it produces illusion. So it's very possible that you thought you were getting a large sum, and it's not at all what you expected? It's
entirely possible.

Well… same thing in the affective domain. You can make a fuss about
someone you think is interested in you, when they may not be. My advice is really to try to be as real as possible. I know it's nice to
let yourself be carried away by your imagination, but if you don't want to be
disillusioned, well, try to keep a fair balance between dream and reality. Thursday and Friday will be good days, the moon will occupy your Aries friend, so you will be well surrounded, you will be surrounded by stimulating people who will give you ideas and you yourself will have ideas that you will share with those around you, personal or professional.

But hey, it will move, there will be movement and you will be on top intellectually! MUSIC Pisces and Pisces Ascendant, in
your horoscope for this week , there is something really, something is happening for some natives of the 2nd decan. I'm not talking about the Sun in Aquarius,
which manages all the circumstances despite everything, and which is in your sector 12, which is precisely a Pisces sector, which can be a sector of illusions. We therefore have Venus, which is with you, in your 2nd decan, and which is going to meet Neptune. This conjunction only happens once a year. But hey, there it will be particularly strong since it happens when the sun is in Aquarius. You, you risk being either in a total illusion in relation to someone you love, or in relation to a sum of money that you are expecting, or in being very disillusioned, very disappointed
by someone, by someone's behavior, or the fact that the sum you expected is not at all what you expected.

That is to say that venus and neptune together, they produce inflation, there is something too much, and sometimes something too much at the level of belief, of what we think, of what 'we can imagine… So my advice is to try to
stay as concrete as possible, to cling to what is real, concrete, and which is not going to take you too far in a film that you end up you will do and who will be… At some point or another
that will necessarily stop, and you will leave the room extremely
disappointed because you believed in this film, there is this notion of beliefs which is extremely important with neptune. Two pleasant days, Saturday and
Sunday, with the moon in Taurus. The Venus/Neptune conjunction will still be relevant and I am afraid that it will be accentuated precisely this weekend because the Moon in Taurus will enhance Venus which is the planet of Taurus. So good, simply, the bull has his feet on the ground, so there is someone around you who likes you, who will necessarily put your ideas in place.

I wish you all a very good week, I look forward to seeing you next week. Until then, you have the choice if you want more horoscopes, either you call 32 10, or you go to rtl.fr or even to the Figaro TV magazine website. Bye Bye! MUSIC.

As found on YouTube

Ouch! Ouch… Damn! Come on… I want to participate in this year’s New York City Marathon. I train 2 to 3 times a week for it. So far, I run 17km, which is good. But obviously, today was a bit too much. I don’t know. I hope, it’s not a strained muscle. This would be bad. I’ll try just a little. No, no. If you want too much, if you push yourself too hard because you want to achieve more and more, you might end up disappointed.

This is true for sports, and also for studying. It’s important to take breaks before you get too tired and to include them in your timetable. Well, it should be okay now. I’ll try again. Oh no, I can’t. Great, stairs… Hello! You have an appointment for a consultation? – Yes, that’s right. – Welcome. Please follow me. Come inside, sit down. The psychological counseling team of the student advisory service offers individual counseling. We also conduct student trainings on different topics, such as improving focus and motivation. – I study electrical engineering. I’ve already finished my bachelor’s thesis. But I still need to pass the exam in higher mathematics. I’ve already failed it twice. So, this is my last attempt. Everything depends on this. Therefore, I don’t know how to study everything before the exam. – Have you ever made a study plan? – Yes, I have. In the lecture-free period, I study on Mondays, Tuesdays, Thursdays and Saturdays from 9 am to 8 pm.

On Wednesdays, Fridays and Sundays I go running, which is why I study until 7 pm only. I’ll participate in this year’s New York City Marathon. This is my personal reward for passing the exam in higher mathematics and getting my degree. Studying 11 hours per day can’t be productive. We recommend a maximum of 6 to 8 hours of effective study time per day. And you should take one day off every week. And don’t study before 6 am and after 10 pm.

So, I study from 9 am to 5 pm and take off Saturday. – Yes, great. And you need a buffer day. – That’s Saturday. – No, Saturday is your free day. You really don’t do anything that day. The buffer day is for catching up on what you haven’t done so far. Breaks are no buffer time. This is very important. Breaks are very important for recharging yourself. We get exhausted more quickly than we think. After approx. 45 minutes, our ability to concentrate decreases significantly. Therefore, we recommend to take a short break of 3-5 minutes after 45 minutes of studying. After a total of 1.5-2 hours, you should take a break of approx. 20 minutes.

After a total of 3-4 hours, you should take a lunch break of at least 1 hour. With all these breaks, I’ll study less per day than before. I don’t know if I will be able to study everything until the exam. – Right. This is why it is so important to start as early as possible. Now, you have to study every day in a very targeted manner and take breaks. This will help you to be successful. It’s like with sports. If you don’t push your body over the limits and take breaks, you will safely and successfully reach your goals. So, Mondays to Wednesdays, Fridays and Sundays, I’ll study from 9 am to 1 pm, then take a break until 3 pm. During this break, I’ll go running. After the break, I’ll study another 4 hours. Thursday is my buffer day. Saturday is my free day.

I have to start next week, otherwise I won’t be able to study everything for the exam. Thank you very much. – You’re welcome. I wish you great success. – Thanks. – You’ll do great. – Thank you. – Take care! – Thank you, goodbye! If you don’t plan buffers and breaks, you might get problems. You can’t get everything done. It’s like with sports. The risk of injuries increases and you might stumble and fall right before the finishing line.

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As found on YouTube