Loans

Supporters of a liberal economic order always argue for a state that is as lean as possible with low tax rates, because the sovereign citizen is better able to manage his money. This makes perfect sense to me, too. But in Germany, the situation is still not quite so clear-cut. Is the treasury perhaps even doing us a big favor by collectively managing a good portion of our paychecks?

All in all, the idea doesn't seem so far-fetched when you look at the figures, but ultimately it depends on each and every one of us, including you and how you handle your money.

The deliberate impoverishment of public budgets, coupled with the introduction of limits on new debt for federal and state budgets, meant that cash-strapped municipalities were either unable to invest (investment backlog) or PPP projects were increasingly used as alternative financing models for necessary investments. Especially when a credit-financed conventional implementation of the same planned measure would have resulted in a new debt in violation of the Basic Law or. would have resulted in new borrowing in violation of the relevant state law. Future budgets will, however, be tied up in these PPP projects by the public sector's contractual obligation to pay user charges of the same or a similar nature as interest and redemption payment obligations or. burdens.

What is the purpose of PPP

1. In the case of PPP, loans, which always have to be taken out in order to build and renovate, are not taken out by the state but by the private company, which has to pay more debit interest than the state. (They could go broke!) These debts of private individuals to banks are not counted as public debt of the Federal Republic of Germany! (PPP booking trick)
2. With PPP, the private "partner" hijacks the state as a money collector for the guaranteed returns (credit interest) per 30-year contract and additionally lets the users pay the more expensive debit interest for the loans. It is characteristic for concessions in the field of trunk roads that the private party is entrusted with the provision of services according to the PPP contract and does not receive any remuneration in return, but rather the right to levy and collect a toll.
3. PPP contracts are never public but always secret, even more so before they are concluded. Even when it comes to core public services (water/roads), they are classified as trade and business secrets. Treason (even if done in the interest of the common good) is prohibited under penalty of law!

So we can clearly see who are the winners of PPP projects and who are the losers! That is why the Federal Audit Office unanimously rejects PPPs. The federal government brushes aside this criticism and pursues its goal. The goal is privatization! The citizens, however, must not know this before the big deal is decided at their expense!

When it comes to car loans for used cars, there are many more options and better negotiating leeway than in the past: the proportion of leased vehicles has increased enormously, so there is a large number of high-quality vehicles available. This makes it more worthwhile than ever for buyers to purchase and finance vehicles with, for example, three to four years of age.

Driving dynamics and fun can be experienced much more affordably than with a new car. The car loan for used cars is no longer only available from the house bank, but from a wide variety of providers. If you want to get the loan at favorable interest rates, then you should follow these tips for searching and finding cheap loans:

If you want to remodel in an age-appropriate way, you are entitled to various programs from KfW. Practically all conversion measures are eligible for subsidies. We have summarized below which grants and subsidies are available for your conversion to barrier-free living.

What is subsidized?

Barrier-free conversion. KfW subsidizes all conversion measures with the programs 159 and 455-B, whose goal is to reduce or eliminate barriers in living spaces (individual measures).

The request for a car loan despite short-time work not all lenders evaluate negatively. For the credit decision it is important which short-time work is concerned. Thus, a so-called bad weather money as found in many weather-dependent professions, is viewed differently than an economic lull in the order situation.

Is a car loan granted despite short-time work

The alternative for a car loan despite short-time work are the car banks. Through personal contact with the car dealer, the special situation of the customer can also be taken into account. Income is not brought into line with the current short-time work scheme, but the average wage of the last few months during which full time work was performed is taken into account. This is a normal business practice, as it is assumed that the employee will return to full work after the short-time working period.

Many people dream of being their own boss, to realize their career and to have economic success. But the road ahead is rocky and full of challenges. Last but not least, it is important to build up a sustainable pension plan that ensures a standard of living in old age. Different models have proven to be successful or rather excluded.

Anyone who sets up their own business in Germany not only has to come up with a good business idea and be profitable, but also has to comply with all kinds of official and statutory requirements. Depending on the branch it takes

The United States of America represents a dream for many students. Strolling through San Francisco after the lecture? However, studying so far away seems like an insurmountable obstacle. If you search for information about studying in the USA, you will find numerous sources with a flood of information. But where to start? What is the right way? How to study in I the USA?

The educational system in the U.S. is more complex than the German system and seems quite confusing at first glance. But already with a few minutes you can get a rough overview. Studying in America usually takes four years and is equivalent to a bachelor's degree. The "Master" in the USA lasts another two years. The terms are also different from the German terms. Thus, the bachelor's degree there is called undergraduate studies and the master's degree is called graduate studies. If you are still in the undergraduate studies, you have the possibility to fan out your subject allocation. Students here do not yet commit themselves to a specific specialization. Only in graduate studies do you take a special subject area and learn it in detail.

Small business owners tend to focus on their day-to-day activities. They are consumed by ensuring products and/or services are delivered to customers, and by identifying ways to grow. These business owners are typically very motivated, but many are not focused on themselves and their own financial futures – especially retirement plans. This is where the knowledge and skills of a financial advisor can be invaluable. (For more information, see: Do Small Business Owners Need Financial Advisors? )

The home buying process can seem simultaneously exciting and daunting. There are a lot of hoops to jump through and a lot of homes to consider. If you're trying to save money, buying a mobile home can make sense. But if you plan to use a VA loan, you need to make sure the home you want is eligible for the program. Here's how veterans can use VA loans for mobile homes.

Home Loan for Healthcare Workers in California- assists the nurses and doctors in buying their dream home.