Loans

In this part you will get all the information about the bachelor's degree itself and how to qualify for a bachelor's degree by distance learning. We address the question of whether a bachelor's degree can be obtained without a high school diploma and what requirements must be met in order to be able to complete a bachelor's degree program.

What is the Bachelor?

The English term "bachelor" translates as "bachelor". However, this is also the first academic university degree that students can obtain full-time after 3 years, i.e. 6 semesters.

Purchase of a car with residual value, d.h. a car that was previously declared a total loss can be a great way to acquire a vehicle cheaply, but it can be more difficult to obtain a car loan or obtain car insurance if it is a salvage or restoration car.

Still, salvage or rebuilt title cars can seem like hard deals to miss because buying a salvage title sold at auction or a rebuilt title can afford you a make and model of car that might otherwise be far out of your price range. But if you plan to buy a salvage title, don't count on a car loan from a big bank or lender.

As a self-employed applicant, you do not always meet with approval in credit matters at the car bank or the house bank. However, a car loan for the self-employed does not have to become an impossible task if you keep a few points in mind and make yourself aware of the different car financing options available to you. You can make the car purchase through private or commercial financing, use an installment loan without earmarking or alternatively think about leasing.

Especially the free financial market offers favorable conditions and variety in the car loan. If you are self-employed, it often looks difficult with the protection of the vehicle financing. But there are solutions, for example, by depositing the purchased vehicle as collateral and offering the lender an entry in the vehicle registration document. In these articles, we would like to show you how to get private or commercial financing and get the car loan as a self-employed person without too high interest rates.

The only thing worse than junk mail is paying taxes, getting a colonoscopy and passing a kidney stone. Yes, I hate junk mail so much.

Junk email is bad enough, but at least thanks to the wonders of technology, most modern email clients are very good at identifying spam and directing it to a special spam email folder that you can quickly toss in the trash once in a while. Traditional junk mail, on the other hand? Not so easy.

Despite the Corona pandemic and lockdown, prices for used and new cars have increased. However, the interest rates for car loans are still low. And for many borrowers, it pays to compare loans and obtain different offers in order to get the best possible deal. But many car buyers finance their vehicle through the car dealer's financing partner. This is not always the best and especially not always the cheapest solution. Because most car dealers only work with a certain or very few credit institutions. In most cases, loans are initiated by car dealers through the vehicle manufacturer's bank.

That is why car prices continue to rise

New car prices in particular have continued to rise over the past few months of the Corona crisis. And this despite the fact that just during the lockdowns mobility was significantly reduced. With regard to used cars, prices actually declined initially last year. But in the meantime, prices are also rising significantly here again. The car is still one of the most expensive purchases for many people. For many car buyers, a loan continues to be the best way to finance a new vehicle.

If you buy a car for private use, you rarely pay the full purchase price immediately – regardless of whether it's a new or used car. The partial professional use forms a further financing element: For it there is from the employer a cost refund or from the tax office tax benefits. Overall, the triad of down payment, car loan over a few months, and final payment remains a popular approach.

Balancing monthly installments and one-time payments

In the case of the car loan with down payment, the term plays a major role. From this depends on how many euros are due to the bank for each of the agreed months.

When financing a home, people handle immense sums of money. Financing can be requested directly from a bank or with the effort of an intermediary.
Quite officially, since last year, intermediaries must disclose their commissions for real estate loans. It is to be considered that mediators live basically only from these commissions. On the basis of the ESIS, the "European standardized information sheet", customers can understand which commissions flow. This commission is borne by the customer and is added to the loan amount.

Through Corona, the issue of "working from home" has reached a new dimension. One or the other employee wonders whether in the future work will be done entirely in the home office.

In principle, the following applies: If no other workplace is available or if the home office forms the center of professional activity, the costs can be deducted from taxes.

Training as a mechatronics engineer at Schaeffler- Field report

"In my apprenticeship, I not only learn how to make electrical circuits and program in automation technology, but also how to mill and turn metal parts. At the beginning of our training, we acquire a lot of basic knowledge that we can put into practice in various departments during the second half of our training. I think that's great, because that way we're not thrown in at the deep end.

At the moment I'm working in special mechanical engineering – I really like it here. I can very well imagine working in this field after my education and further training as a technician. In any case I stay with Schaeffler. All doors are open to me here, that gives me security."

Chekhov once conceived a novel "On Love". For many months he wrote, then he crossed something out, cut it short. As a result, only one sentence remained from the novel: "He and she fell in love, got married and were unhappy …" Anton Pavlovich himself was afraid of marriage. He even dreamed an obsessive nightmare that he was married to a completely unknown, strange and unloved woman, and besides, he was scolded in all the newspapers for something ..

Autumn 1889. Chekhov is 29 years old. He is a district doctor and already a famous writer.