Blog: Aktuelle und relevante Infos

In unserem Blog Dr. Schlemann unabhängige Finanzberatung halten wir Sie auf dem Laufenden und versorgen Sie regelmäßig mit relevanten Informationen.

Dr. Manfred Mörchen, CBM (links) und Dr. Berndt Schlemann (rechts)

Presseeinladung: Scheckübergabe an die Christoffel Blindenmission

Presseeinladung: Wir freuen uns über Ihre Unterstützung Bei einem Pressetermin am Mittwoch, dem 8.2.2023,...

<img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' decoding='async'/>

Dr. Berndt Schlemann 05.02.2023

Stellenanzeige Kaufmännische Angestellte / Leiter

Stellenanzeige Kaufmännische Angestellte / Leiter

Wir suchen deutschlandweit kaufmännische Angestellte oder einen kaufmännischen Leiter (m/w/d) mit Erfahrung...

<img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' decoding='async'/>

Dr. Berndt Schlemann 17.01.2023

Einnahmen und Ausgaben planen: Mehr Geld mit unseren Tools!

Einnahmen und Ausgaben planen: Mehr Geld mit unseren Tools!

Einnahmen und Ausgaben planen mit einem „Haushaltsbuch“ (digital oder analog) ist eine wichtige...

<img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' decoding='async'/>

Dr. Berndt Schlemann 19.11.2022

PKV Beitragsanpassung: Was tun wenn der Beitrag erhöht wird?

PKV Beitragsanpassung: Was tun wenn der Beitrag erhöht wird?

Eine PKV Beitragsanpassung, kurz „BAP“, ist immer unerfreulich, besonders in stürmischen...

Patrick Mini 06.11.2022

Sozialversicherungswerte 2023 + Rechengrößen

Sozialversicherungswerte 2023 + Rechengrößen

Neue Sozialversicherungswerte 2023: Die gesetzliche Krankenversicherung wird wieder teurer! Am 28.10....

<img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' decoding='async'/>

Dr. Berndt Schlemann 01.11.2022

Website Relaunch

Website Relaunch

Unsere Agentur Von der Idee bis zur Umsetzung war es eine lange Reise. Wir haben mit vielen Agenturen...

<img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' decoding='async'/>

Dr. Berndt Schlemann 27.08.2022

Ihr neuer Online-Finanzmanager

Ihr neuer Online-Finanzmanager

Ihr neuer Online-Finanzmanager, Datenaktualisierung, Inflation, Finanzcheck und andere wichtige Informationen...

<img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' decoding='async'/>

Dr. Berndt Schlemann 11.08.2022

Kostenlose Versicherungen für Medizinstudenten

Kostenlose Versicherungen für Medizinstudenten

Vier wichtige Versicherungen für Medizinstudenten kostenlos – Dr. Schlemann unabhängige Finanzberatung...

Michelle Möhring 17.05.2022

Stellenanzeige: Versicherungs-Innendienst / Account Manager

Stellenanzeige: Versicherungs-Innendienst / Account Manager

Wir suchen deutschlandweit Versicherungs-Innendienst (m/w/d) in Festanstellung. Kümmern Sie sich gerne...

<img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' data-srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' height='50' width='50' decoding='async' data-src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' class='avatar avatar-50 photo lazyload' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' /><noscript><img alt='Dr. Berndt Schlemann' src='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=50&d=mm&r=g' srcset='https://secure.gravatar.com/avatar/c7e80575e229a26e0104f75700ba7d15?s=100&d=mm&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' decoding='async'/>

Dr. Berndt Schlemann 16.02.2022