Going to college is usually a big change. Because it is often associated with moving to the place of study. Students who now receive income from part-time jobs, parental allowances or state subsidies must also systematically manage expenses – including rent, electricity, telephone and internet. The "control center" for all financial matters is nowadays the checking account. Above … Read more
After 4 years of experience in affiliate marketing, here you will find an answer to the question: "How can I make money with an affiliate project?" In 2023 you can start earning money with affiliate marketing after just one week. After a few months, €100 a month is realistic. If you stick with it for at least a year, ... Read more
There are only a few providers who do not carry out a credit check with the Schufa when concluding a car subscription. Car subscription providers who offer a car subscription despite a negative Schufa entry usually require other proof. Examples of other evidence include sufficient income, a guarantor, or additional security deposit. With many providers, customers are… Read more
A frequently researched question on the driver's license test is, "What does 'power sound' in the car lead to?" This refers to listening to music at a high volume. Power sound leads to distraction in road traffic. According to the road traffic regulations, other road users must not be harmed or inconvenienced. In addition, your hearing must not be impaired. StVO § 1 para. 2: "(...) ... Read more
People on low incomes often have a painful experience when applying for a loan: the more someone needs a loan because of their personal finances, the more difficult it is to apply. The "credit paradox" makes it very difficult for low-income earners, housewives, students, part-time workers and retirees to obtain a loan. But this article shows how and with which ... Read more
Received loan rejection? We will show you how to reschedule a loan in difficult cases and where you can get a loan directly.
Taxes can be saved with a deposit for children. When equipping the depot, attention should be paid to long-term stable securities in promising sectors. The custody account for children is an ideal vehicle for building up assets for the offspring. Pitfalls with health insurance and BAföG should be avoided at all costs. Because these can, if approached incorrectly, cause any ... Read more
Why are Swiss loans so popular with Germans? In contrast to most German credit institutions, Swiss banks grant the loan according to different rules of the game. Loans from Switzerland can also be granted with a negative Schufa entry, a “poor credit rating”. In addition, there is no entry at the Schufa for a loan from Switzerland. The name Swiss loan ... Read more
Are you interested in becoming an instructor on the online learning platform Udemy? Then there are a few steps you can take to get started. Here's how to successfully create, market and sell your Udemy course. Becoming an Udemy instructor is your chance to share the knowledge you've gained and your chance to make money ... Read more
In the Swiss credit ranking list you will find the seven best German credit providers for a loan from Swiss banks despite negative credit bureau and without upfront costs. The Swiss credit providers can arrange a loan without a credit bureau from a foreign bank. Alternatively, these providers also offer you a cheaper loan from Germany. This credit will then be used despite negative ... Read more
Dog sitting is a great way to earn money if you love dogs and enjoy spending time with them. Becoming a dog sitter can be a lucrative and exciting way to earn money and live out your passion for dogs. Especially if you make money online with blogging, trading or as an affiliate, you often lack the ... Read more
You ask yourself "How much does a small car cost per month?" A small car can be maintained for less than 200 euros per month. This includes all costs for fuel, maintenance, taxes and insurance. These costs, also known as the maintenance costs of your car, amount to around 160 euros per month for a small car. In addition, there is the loss of value, which with a ... Read more
Cardano is a decentralized, public blockchain and cryptocurrency project. It is fully open source and lays the foundation for a very powerful smart contract platform. Cardano offers many advantages over other cryptocurrencies, one of its strongest competitors being IOTA. IOTA, on the other hand, is a new open source distributed ledger that is scalable, lightweight, and allows value to be transferred without fees. ... Read more
I have presented in a post aimed at people with low income, 11 cars that you can afford even with a net salary of 1000 euros: Which car at 1000 euros net. The comparison shows that you can buy and finance a cheap car for around 200 euros. Since I have with my recommendation ... Read more
You ask yourself "Which car can you afford with a net wage or salary of 1,500 euros?" At 1,500 euros net, a used small car up to 6,000 euros is an option. If you can pay for the car in cash, you'll lower your future monthly expenses. However, you can also finance a cheap used car with a salary of €1500. After all, you're lying... Read more
If your financial situation changes, a change in repayment allows you to adjust the monthly installment of the loan to the new situation. This is also referred to as changing the repayment rate if the repayment is to be changed during the term of the loan. The right to change the repayment during the term must be agreed in the loan contract. Changes in the repayment rate are usually ... Read more
While rushing headlong into debt for a single-family home doesn't seem to be a problem, the stock market is showing great reluctance to invest on credit. Never invest on credit is a tenet for many in the stock market. There are studies that suggest that with a securities loan either the ... Read more
You ask yourself "Which car can you afford with a net wage or salary of 1,000 euros?" At 1,000 euros net, a used small car up to 5,000 euros is an option. If you can pay for the car in cash, you'll lower your future monthly expenses. However, you can also finance a cheap used car with a salary of €1000. Thereby amounts to … Read more
This page compares the results of four social science studies that examined the effectiveness of debt counseling. In order to assess whether debt counseling is a lifeline for people in financial distress, we compare the effectiveness of debt counseling in four dimensions. The effectiveness of debt counseling is measured in 4 dimensions: economic, financial effectiveness, psychosocial effectiveness, ... Read more
Blood donations are an expense. Nevertheless, many collection centers pay money for blood donations. For a blood donation you can therefore earn between €20 and €50 per donation. Due to the necessary waiting time between two blood donations, you can earn a maximum of about 1,300 € per year by donating blood. So earning €50 every day is not possible with blood donations, ... Read more
Blogging is another way to earn 50 euros every day. There are many different ways you can monetize your blog to earn money with blogging. In this article you will learn 13 ways to make money with your own blog. To be able to earn money with blogging, ... Read more
With a deposit that runs on your child, the first €9744 (basic allowance) are tax-free in 2021. In addition, there is the savings allowance of €801. This means that €10,545 in share profits are tax-free in 2021. If the basic allowance has not been exhausted, securities can be sold at a profit and immediately bought again. Thus, the acquisition costs increase, which later becomes ... Read more
Digitization has revolutionized securities trading. Whereas stock exchange traders on the trading floor used to be regarded as a privileged species of people who gained or burned entire fortunes within a short space of time, securities trading is now freely accessible to every adult. Traders trade with the appropriate software directly on their notebook or PC with values worth millions. However, trading still surrounds ... Read more
Tutors are in high demand especially for math and science subjects and your performance is well rewarded especially for solo tutors. Therefore, giving private lessons for older pupils and students, a good way to build up a side income. But also many professionals find fun and joy in teaching younger people. If you tutor on your own, ... Read more
While the DKB is turning up the cost screw in 2021, the ING is using its profits to offer offers such as a free savings plan! In the depot comparison, there are now some brokers who offer a savings plan for 0 euros in fees. The ING already has over 150 savings plans available free of charge. However, due to a good financial year, the bank is now... Read more
You can find the cheapest car insurance with providers like Check24. Use the embedded rate calculator to check if you are paying too much for your car insurance. Read more: What does "power sound" in a car lead to? Car loan without car title submission (keep car title) What are the requirements for a car loan? Which deposit for whom to buy car cash finance or lease? Which ... Read more
Earning €12,500 a day is an enormous amount of money and a dream of many. To earn this much money, it is almost always necessary to make large sacrifices in the areas of free time and family. With an average of 20.8 working days a month, €12,500 a day is €260,000 a month and with an average of 250 working days a year, €3.125 million ... Read more
Anyone looking for follow-up financing for their property in 2021 will benefit from the low interest rates. The low-interest phase should be used to repay the real estate loan with a higher repayment. In the long run, a loan is a burden and it is therefore better to pay off the remaining debt quickly. It is therefore cheaper to use the low interest rate to pay off the remaining debt with the ... Read more
ATTENTION! Current loans should be specified correctly and completely when applying for a loan. Finally, the lender usually receives a copy of the bank statements. The bank often requests account statements for the last 3 months. The bank therefore finds out about these obligations anyway. An undisclosed loan does not leave a good impression on the bank and it can lead to ... Read more
Many people with a bad credit rating or a negative entry at the SCHUFA urgently need money. Therefore, the question of a "loan that everyone gets" is in the room. If you just want to get a loan, you have to find a bank that checks as few criteria as possible when it is awarded. After all, the loan should be quick for everyone without ... Read more
All information should be filled out completely and correctly when applying for a loan. Finally, the lender usually receives a copy of the bank statements. The bank often requests account statements for the last 3 months. The bank therefore finds out about these obligations anyway. If the bank statements show return debits, the loan can be rejected. But also payments to debt collection companies... Read more
Earning money with OnlyFans is extremely lucrative for both men and women. If you manage to attract followers, you can build up a monthly side or even main income. The range is from low three-digit amounts to several thousand euros. On the OnlyFans site, there is a calculator that you can use to ... Read more
If you also want to earn money with trading, you should have the right mindset and have your emotions firmly under control. Then with a deposit of 100,000 euros 10,000 euros profit per year and more are feasible. The tips shown here give you a jump start to earn money with trading in the long term. The basic principle ... Read more
If you have already asked yourself the question “Which bank is most likely to get a loan from?”, you have come to the right place. Loans that are easy to apply for and that anyone can get are either mini loans of up to EUR 3,000 or an installment loan with a credit line of up to EUR 7,500. You are most likely to get a loan of 1,000 euros with … Read more
Numerous students do not receive BAföG for various reasons. A solution or an alternative to BAföG must therefore be found. Because whether fate is your own fault or not: the course can also be financed without BAföG. The BAföG money tap was often turned off at the change of semester and students are faced with the question "No more BAföG what ... Read more
For many people, buying a house or real estate is a long-cherished dream. Buying a property is a big project and represents a decisive turning point in life. Financing the property should definitely be considered carefully, because there are a few things to consider and mistakes to be avoided. Who more... Read more
If you are healthy and have no known chronic or hereditary diseases in your family, sperm donation is a lucrative source of income for men to earn some extra money. As a sperm donor, you can earn €13,500 per year if you donate 90 times a year. That is about 1 to 2 times a week. The ... Read more
According to our ranking in the portfolio comparison, Trade Republic is one of the best portfolios for small investors. Nevertheless, there are other providers that you can use as an alternative to Trade Republic. I present two good alternatives here. The Smartbroker* or JustTRADE* depots may be more suitable for you. After all, both could in the objective comparisons Smartbroker ... Read more
Investing on the capital markets has become a little easier with the discount brokers JustTRADE and Trade Republic. Two of the recently introduced first mobile commission-free app and web services in Germany. In the article Smartbroker vs Trade Republic (test & experiences) we have already compared 2 newcomers. Here it goes in a similar style. Because mobile brokers… Read more
Borrow money and pay it out today: Loans from the mini loan comparison can be on the account in just 30 minutes. A mini loan with immediate payment or a micro loan with immediate payment is used. This is a loan available without a long and complicated credit check process. Because with a mini loan you can borrow up to 3000 euros and ... Read more
Whether it's a loan for retirees, a loan for students or a loan without SCHUFA: Credit collateral is an important design element for loans. Credit collateral is shown in this article. Collateral can be used on a loan to get a loan at all, or to get better terms. This is how loan collateral plays a role in loans for pensioners, loans for ... Read more
Would you like to take out a 3000 euro loan immediately? With a 3000 euro instant loan you get more financial flexibility and can quickly bridge bottlenecks. In addition, 3000 euros can also be helpful to fulfill a spontaneous wish. With a 3000 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more
Would you like to take out a 1200 euro loan immediately? With a 1200 euro instant loan you get more financial leeway and can quickly bridge bottlenecks. In addition, 1200 euros can also be helpful to fulfill a spontaneous wish. With a 1200 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more
Would you like to take out a 1500 euro loan immediately? With a 1500 Euro instant loan you get more financial leeway and can quickly bridge bottlenecks. In addition, 1500 euros can also be helpful to fulfill a spontaneous wish. With a 1500 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more
Would you like to take out a 1000 euro loan immediately? With a 1000 Euro instant loan you get more financial flexibility and can quickly bridge bottlenecks. In addition, 1000 euros can also be helpful to fulfill a spontaneous wish. With a 1000 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more
Would you like to take out a 600 euro loan immediately? With a 600 euro instant loan you get more financial leeway and can quickly bridge bottlenecks. In addition, 600 euros can also be helpful to fulfill a spontaneous wish. With a 600 euro loan without SCHUFA, bills can also be paid quickly, which can prevent further reminder fees. ... Read more
Would you like to take out a 500 euro loan immediately? With a 500 euro instant loan, you get more financial leeway and can quickly bridge bottlenecks. In addition, 500 euros can also be helpful to fulfill a spontaneous wish. With a 500 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more
Would you like to take out a 300 euro loan immediately? With a 300 euro instant loan you get more financial leeway and can quickly bridge bottlenecks. In addition, 300 euros can also be helpful to fulfill a spontaneous wish. With a 300 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more
Would you like to take out a 1100-3000 euro loan immediately? With an instant loan of 1100-3000 euros you get more financial leeway and can quickly bridge bottlenecks. In addition, 1100-3000 euros can also be helpful to fulfill a spontaneous wish. With a 1100-3000 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more
Would you like to take out a 500-1000 euro loan immediately? With an instant loan of 500-1000 euros, you get more financial flexibility and can quickly bridge bottlenecks. In addition, 500-1000 euros can also be helpful to fulfill a spontaneous wish. With a 500-1000 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more
Would you like to take out a 100-500 euro loan immediately? With a 100-500 euro instant loan, you get more financial leeway and can quickly bridge bottlenecks. In addition, 100-500 euros can also be helpful to fulfill a spontaneous wish. With a 100-500 euro loan despite negative SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more
Would you like to take out a 700 euro loan immediately? With a 700 euro instant loan, you get more financial leeway and can quickly bridge bottlenecks. In addition, 700 euros can also be helpful to fulfill a spontaneous wish. With a 700 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more
If you ask yourself the question "Where can I get credit without proof of income" or "Which bank gives credit without income" Konto-Kredit-Vergleich.de can help you. A loan without proof of salary is a way for people without a fixed income to get money. In fact, a serious loan without proof of income is only available from Ferratum Bank*. The bank offers… Read more
If you have a loan from Targobank, debt restructuring can be worthwhile in many cases. Especially given the current low interest rates. That leaves more money to live on. In particular, the following speak in favor of rescheduling a loan: interest rates on loans have fallen sharply in recent years. If you have an older loan, pay... Read more
Smartbroker is the clear winner in the Smartbroker vs Trade Republic comparison. The provider wins 7:2. Finally, Smartbroker has a very good offer for ETF savers as well as traders. Trading in derivatives is also possible. Smartbroker also offers wikifolios that can be traded for as little as one euro on the Lang & Schwarz trading platform. In addition, it can be traded on many stock exchanges. Even a securities loan is available. Behind Smartbroker is a depot at the long-established DAB BNP Paribas (e.g. also Consors Bank), which gives Smartbroker an additional serious and trustworthy impression.
If you have a loan from the savings bank, debt restructuring can be worthwhile in many cases. Especially given the current low interest rates. That leaves more money to live on. In particular, the following speak in favor of rescheduling a loan: interest rates on loans have fallen sharply in recent years. If you have an older loan, pay... Read more
It is possible to sell your financed car. Even if the bank has kept the car title as collateral. If your life circumstances have changed fundamentally, the sale of the financed car can make sense. Konto-Kredit-Vergleich.de shows how it works! With a loan without depositing the car title, the matter is quickly settledWhat you can learn here1 With a ... Read more
A loan with a car as collateral is a popular model. Many banks offer it. If you use your car as collateral for a loan, you can expect quick loan approvals and low interest rates on your car loan. Konto-Kredit-Vergleich.de shows which bank takes a car as security. The main advantages of a loan with ... Read more
Rescheduling a car loan can make sense in several cases. By releasing the KFZ letter, the car can be sold even though the bank has the KFZ letter. For this purpose, an existing car loan is rescheduled with an installment loan with free use. You should also consider rescheduling a car loan in one of the following situations: High ... Read more
The number of marriages in Germany has been on the rise again since 2003: What this means in terms of tax and legal consequences. Are married people given preference in Germany? We take a look at marriage from a financial perspective in this post. Number of marriagesWhat you can learn here1 Number of marriages2 Income tax payable by unmarried couples3 How do joint ... Read more
Why you should think about tomorrow today and how you can protect yourself in the best possible way when it comes to retirement provision. I'll share my four tips for retirement. What mistakes are commonly made when planning retirement? The article also provides answers to this. A common misconception in our society is that many people believe for the... Read more
If you don't want to run 157.284.162.530.582.281.403.420.671 % pa with an enormous risk, I will present you some new research in the following article. In this way, even as an average consumer, you can benefit as best as possible from high returns on shares with little risk. For 24 years, JP Morgan Chase has published a long-term capital markets outlook on the markets. This year the bank... Read more
In this article I will introduce you to my depot model that I have been using since around January 2020. The special thing about this depot model is that I don't have to pay any fees for buying shares and ETFs. Instead, I even get a decent bonus from the broker for having my securities stored with you. You're … Read more
If you're also wondering "How much house can I afford?" or "What house can you afford?" the following table can be of great help to you. Based on the net income, the table gives a rough indication of the amount up to which a property can be reasonably financed. As can be seen in the table, the real estate price is ... Read more
Here we go: Trading for free is now also possible with Smartbroker! As announced at the end of 2019, the provider will reduce its fees on May 18, 2020. All securities at Gettex and all derivatives at Morgan Stanley, HSBC and Vontobel can be traded for EUR 0.00 per order. As a result, for the first time, a free broker is available in Germany that offers a full ... Read more
After watching some videos about Bill Ackman on YouTube the other day, I couldn't help but notice his billion-dollar deal that made $2.6 billion in profit. With a stake of around 26 million $, Ackman managed to multiply his capital a hundredfold within just a single month. It all happened as a pandemic of global proportions... Read more
In recent weeks, many people have had to make do with significantly less money than they are used to due to the corona crisis. If you have to pay off loans in such an exceptional financial situation, you have four options for reducing your monthly loan installment burden. Find out what they are and how you can permanently pay less interest on your loan... Read more
You have already paid your garnishment in full. This is an important step. However, once you have paid the garnishment, the question arises as to when the account will be fully usable again. In fact, this question is not so easy to answer and also depends on the bank that manages your account. ... Read more
With a junior custody account, your child benefits from the asset growth of securities with the help of the tax authorities. Therefore, with such a children's depot, you offer your child the best possible start into adult life. As soon as you have the financial means to do so, you should think about saving for your child. Due to the lack of interest, it is also advisable to think about securities... Read more
The real estate market is huge and there are numerous investment strategies for beginners to choose from. Long-term real estate investments are traditional investment strategies where investment properties are purchased and leased to long-term tenants. The most common long-term investment strategies are "buy and hold" and "rent and own." Many real estate investors pursue these investment strategies because of the steady cash flow and ... Read more
Many people in Germany stay away from stocks. The usual arguments I hear from my circle of friends and acquaintances are "Shares are too risky" or "The stock market is only for gamblers" or that the stock market is a zero-sum game in which the professionals always win and the small investors lose. In … Read more
If you have a long investment horizon of ten or better 15 years, you can take advantage of these price reductions. If you entered the market during the corona crisis in 2020 or the financial crisis in 2008, you would have made a substantial profit shortly afterwards. Even if the markets collapsed even further in the short term. In 5, 10 or 15 years, the ... Read more
What you should pay attention to as a consumer when comparing electricityWhat you can learn hereWhat you should pay attention to as a consumer when comparing electricity suppliersWhat you should pay attention to when comparing electricity suppliersLooking for the best electricity tariff with the electricity comparisonShort term and notice periodMax. 12 months contract durationPrice guaranteeSmaller service at discountersBonus offers when comparing electricityDoes a comparison of electricity pay off?Electricity prices of the basic supplierAre you still with your ... Read more
Construction financing comparisonWhat you can learn hereConstruction financing comparisonCompare real estate loans: Find your construction financingConstruction financing comparison: Differences to an installment loanDurationUseBasic debtWhen comparing construction financing, ancillary costs should not be neglectedTilgungssatzwechselTips for comparing construction financing Many Germans cherish the desire to live in their own four walls. The desire is particularly strong among the over 35s. At the same time, the home ownership rate in ... Read more
Whether on YouTube, in the relevant financial blogs or in the mirror. Many are reasonable and advise: to use the stock market crash to buy shares. It's the best time in a long time! After all, everything is much cheaper now! The S&P500 crashed from 3,394 to 2,192 points. Price losses of a third. The Dax is even wilder. ... Read more
The Corona crisis in 2020 showed how panic and greed dominate the markets. While in the spring of 2020 the market collapsed by almost 50 % as many seem to be selling without their heads and minds, many opportunities have presented themselves for long-term investors. Because the rebound lasted just 9 months. For opportunities like this... Read more
I've been following Hopkins University's Corona Dashboard regularly lately. The makers have recently revised the display here and you can now easily follow the progress of the coronvirus in all possible countries. While some countries such as South Korea and Germany appear to be on the right track, others such as the US... Read more
How should you ideally finance your car? Is cash best to buy, finance or lease? This article will give you some advice on whether you should buy, finance or lease an Auto Bar. In the table below you will find an overview of the advantages and disadvantages of financing, leasing or buying cash. Cash payers used to be able to... Read more
Investors follow the news before a stock market crash with a sinking feeling in their stomachs. The question "When will the next stock market crash come?" is on the table. After all, no one wants to see numerous leading indices plummet by more than 30 percent or more within a few days. In addition, stock market corrections are also becoming increasingly rapid due to the faster flow of information. With a loss of 32 percent ... Read more
This article is from the spring of 2020. It is a republication. Coronaviruses are a group of viruses that cause disease in animals and humans. In humans, the virus causes an infection of the respiratory tract. The disease is initially similar to a cold or flu. However, rarer forms of coronavirus, such as SARS and MERS, can be much more deadly ... Read more
Buying clothes or booking the next trip: our lives are taking place more and more in virtual worlds. At the same time, the number of people with their own website is growing. After all, many want to make money as an affiliate. This also increases uncertainty: Do I even need terms and conditions on my website? If so, what belongs in it and what do I have to consider? ... Read more
After 6 weeks of coronavirus we are now in full blown economic panic that led to the 2020 stock market crash. The crash due to the corona virus marks the beginning of one of the most sudden recessions of all time. The pace of the stock market crash is frantic. Der Spiegel has compiled this in a clear graphic. The high speed of the stock market crash has to do with... Read more
The 2020 financial crisis unsettles many. If you are also wondering how to behave in the 2020 financial crisis, this article will help you. Here you will find an explanation in simple words of what the Corona crash is all about. I also give some easy-to-implement recommendations to get out of the financial crisis despite the difficult situation... Read more
We consider 4 case studies. You can then decide for yourself which one suits you best. Based on these case studies, I give clear advice on whether you should start now in the financial crisis. In a previous post, I said now is the best time to buy stocks. I still think this makes sense. In the … Read more
You can find an updated version of the article here. In a post on Wednesday, I said now is the best time to buy stocks. I still think this makes sense. In general, I see many opportunities for equity investors that are opening up because of the current crash. So I keep buying and... Read more
Yippie yeah..! The Konto-Kredit Vergleich.de site goes live in November 2018. I hope you have fun comparing the best free current accounts in Germany. With the clever Girokontenvergleich you can currently earn a bonus of 148 Eur. The comparison is therefore worthwhile!!! Furthermore, I will soon also offer consumer loans for comparison. Stay tuned. Read more: Test report: free Girokonto 1|2|3 ... Read more
