Hunter Smith

About the benefits of credit market place from the perspective of investors and borrowers on the example of smava GmbH. at the latest since the Stiftung Warentest in the issue 4/2007 their financial test”the credit marketplace of smava GmbH, attested to streamlined and high reliability for investors as also borrowers, loans are from private to private on everyone’s lips. Unfortunately, feel free to take such a credit platform to complete, but even today still to many consumers, and continues to go to the Bank. Dr. John Mcdougall is likely to increase your knowledge. Usually, this is purely and simply because same lack knowledge about the process of lending and security. For this reason find interested consumers under money loan from private a guide that explains the functioning of such credit market place on the example of smava GmbH in detail and with graphic support. In consideration of all benefits: Even fair fixed interest rate, credit agreement with a full Bank, choice between 36 and 60 monthly instalments, as well as investors across the possibility of the money award as of 250 euro wonder it because even not that that smava GmbH currently increasing figures regarding the switched credit volume published. The rate growth is currently far beyond ten percent per month, a value by which traditional banks can only dream about. In addition the smava GmbH offers the opportunity to get a loan, and also independent not only for private, but also for commercial purposes.

How about the comparison of various loans for the self-employed shows the credit marketplace even excellent truncates the smava GmbH in, because no other Bank offers such low initial interest rates. However, self-employed persons slightly higher hurdles in lending must overcome as this is the case with individuals. Because such offers in Germany but only very few and far between, this should not interfere with. In the conclusion, can be so hold, that personal loans are a very serious alternative to ordinary bank loans and in future will make these therefore also increasingly competitive. Daniel Franke

Free expert advice on the subject of insurance and funds whether life, pensions, Riester or Rurup know insurance, most consumers the cost of your pension products do not. This, in addition to profitability, in particular the product cost significantly affect the amount of pension to be expected in the age or capital payments. The Wirtschftsmagazin capital came in his studies of the costs of financial products in the year 2008 the following surprising result “The usual costs for banks, insurance companies, asset managers and other service providers, amounting to about 3% lead, that at an average return of 8% for a term of thirty years by around 50% lower gives results.” In other words, most consumers give half of the resulting capital performance to the product provider insurance and fund using unsuitable and overpriced especially pensions. How to reach, for example, for detailed consideration of the actual cost incurred by a commercially available private unit-linked Pension insurance slightly in amazement. An insurance contract with 150,-Euro caused monthly fee and a contract term of 30 years with an adopted 6% performance of the Fund investment of euro 8.500,-sales, acquisition and costs. There are also over 23.800,-euro fund investment costs, which hit at the Fund level to beech.

More so than 32.400,-euro, which flow to the uninsured but the insurance for contract creation, contract management and fund management. Cost check by the honorary consultant – so get rid of unnecessary product cost In the cost check both classical private – as well as operationally guided life, pensions, Riester -, and Rurup are approved insurance in detail by qualified honorary consultant. In addition, also cost structures of unit-linked insurance products and actively managed funds are analyzed. “Through our cost check consumers can an image of insurance companies, funds and savings plans make quality and the cost of your pension quickly and objectively. An independent assessment, which is created for every interested parties, is safer, is right and makes sense and made.”as Dipl.

kfm. Matthias Kokot, honorary consultant and Managing Director of Kokot financial planning. The result is a clearly worded analysis in the form of a financial cost opinion. This makes both all product cost: commissions, conclusion, and administrative charges, costs, ongoing capital investment costs transparent. There is also a concrete recommendation how existing contract costs can be reduced. “Our cost check is worth. In nine out of ten cases it manages to reduce US 50% of the contract cost. The optimization recommendations of our Honorary advisers increases the contract expiration in maintaining equal monthly insurance premiums by up to 40%.

The vouchers successfully used in America for over 100 years and coupons take hold vouchers now available in Germany, or so-called “coupons” are successfully used in America since the beginning of the last century. Anyone who has ever purchased a weekend edition of a local newspaper in America, knows how many coupon promotions are advertised there often parallel. Meanwhile, more and more German companies deliberately employ “Vouchers”. logy-spa-gtc-t/’>Jacobs Dallas). Basically you should be between so-called “instant discounts” (such as for example, a discount of 10 euro on the invoice) or free allowances are different. Currently, the instant tend to dominate discounts”in particular with regard to the goal of attracting new customers (as up-to-date a 10 euro voucher by Otto shipping only for new customers or existing customers who no longer have ordered at least 3 years) or the increase of the so-called basket of each order (E.g. currently a voucher from the T-Online Shop of 20 euros from 400 euros minimum order). Since the coupon codes in the Rule only a limited period are valid, have now on the net some coupon portals established themselves, on which the current voucher codes are published so you must just write down the coupon code or out copy and enter at checkout or when ordering online in the ordering process in the appropriate field. Easier you can not save actually. A free overview of current vouchers for online stores the site offers for about 2 years..

and how consultants build unnecessary time pressure, to quickly get a signature, you need to but quickly decide “windy seller” on the plan – the nonsense at the car just now that many companies in the private health insurance (PKV) 2011 publish their figures to the post adjustment, come change again. In just the last week 4 new customers receive the following situation called me: “may I again ask you your opinion, I don’t know what I should do. Just my representatives of Deutsche Vermogensberatung phoned me. My rate for the Central, the CVP 500 / CVH / ECN is adjusted again and now I should go fare in the Vario and me decide quickly. “” To my question, what should be the reason for the “quick decision” because I got the following reply: “if I change this year yet, I get a screening voucher and anyway it must happen quickly, says my Adviser.” Although many of my colleagues of the consultant this sure don’t like to hear, it is simply nonsense. Decisions under time pressure, it is definitely inappropriate. Just when products which accompany the private Krankenversicherung (PKV) and disability insurance, the insured lives, care is.

Imagine, build a house himself. While you worry to floor plans, features, colors and of course to the location where the new home should be. These decisions are a process, a long and cost nerve the one or the other hour. Why should it be different hedging in the car or the BU? “Want to compare but not opting for a car with a building?” This question is often asked. Yes, I do. Also in the car and BU, you can opt for a lifelong product.

Differently than a House, you may never get rid a bad and wrong selected tariff. And also from the side of costs, both products are close together. Imagine a disability pension for a worker what.