Advantages and disadvantages of home savings Instant financing

With immediate financing for home savings, the dream of a home without waiting time can be realized. In addition, future real estate owners can use such a combined loan to secure the current low-interest rates for the entire financing period. In the current eco-test, 54 combined offers of immediate financing and building society savings were tested.   Immediate financing: Even with home savings immediately to the home

An immediate financing through building society savings currently offers consumers a good alternative to other mortgage lending options. On the one hand, it is possible to profit permanently from the low-interest rates via such a combined loan. On the other hand, often a Riester promotion of real estate financing is possible. This gives home builders or homebuyers additional government allowances or tax benefits.

But which of the many offers is especially recommendable? Ökotest (issue 11/2014) has examined 54 combi-credits of seven building societies and 24 banks and intermediaries. The result: The combination of instant financing and home savings is currently as cheap as never.

This is how the instant financing works through building society savings

This is how the instant financing works through building society savings

Normally, the Bauspar works on a simple principle: The Bausparer regularly pays contributions to the Bauspar contract until a minimum sum is reached. Then he receives a building loan via the allotment and can thus finance his dream home. Thereafter, the home savings loan will gradually be repaid. A home savings contract is, therefore, a combination of investment and credit. In the case of immediate financing, the savings phase is no longer necessary – the mortgage lender instead grants the saver an advance loan.

Advantages and disadvantages of home savings Instant financing

The advantage of such a combined loan is clear. With immediate financing, home buyers can acquire the desired property faster than with traditional building savings. In addition, providers offer long-term interest rate security – often even until the end of the agreed repayment period. However, the immediate financing also has disadvantages. The bundle offers are often inflexible. If, for example, the house or condominium is resold prematurely and the financing contract is terminated early, this is very expensive in the case of immediate savings as compared to traditional financing. Moreover, it is difficult to see from the reported effective interest rates of the contracts how cheap or expensive an offer actually is.

Immediate financing: Effective interest rates for building society savings often inaccurate

Immediate financing: Effective interest rates for building society savings often inaccurate

In the eco-test comparison of instant financing, the effective interest rate is 2.36 to 2.53 percent for the overall offer – without funding from the Kreditanstalt für Wiederaufbau (KfW). Landesbausparkasse Rheinland-Pfalz, for example, requires 2.36 percent of the total effective interest rate for a term of almost 19 years. The results are even more gratifying when a loan is taken into account by KfW. For example, Schwäbisch-Hall offers a total effective interest rate of 2.18 percent.

However, the test also shows that a loophole for the customer often makes it difficult to see how expensive the loan will end up. Because the separate awarding of interest rates for advance loans and home savings loans sometimes conceals high costs. It makes sense, therefore, for homeowners to calculate the total effective interest rate even in the immediate financing.

Service: If you want to finance your property with a Bauspar contract, it is advisable to compare several offers. As the comparison shows, this can save a few thousand euros.

What are building savings contracts worth?

Bauspar contracts are the classic means of real estate financing. However, building societies and banks are not in vain increasingly offering instant financing for building society savings. Because of the low-interest rates Bauspar contracts worthwhile, especially in the Anaphase hardly to build equity for mortgage lending. Only the Payday Champion loan is particularly favored by the low-interest rates.

However, if homeowners take advantage of all funding options, such as homeowner’s pensions and KfW loans, a Bauspar contract can still be worthwhile today. But here too, with qualified advice, home buyers can save thousands of euros in the end.


Paid care leave decided by the Bundestag

Thursday, 04.12.14, written by Margit Winkler

The Bundestag has decided on the better reconciliation of family, care and occupation. In future, employees will not only have a legal right to care. Depending on the size of the company, they can also work part-time for up to two years to look after family members. However, our guest author Margit Winkler criticizes the new law.



Bundestag beschließt bezahlte Pflegezeit und Familienpflegezeit
Workers can now take more flexible care

Care is a matter for the family. It does not matter if it’s children or parents. Thanks to modern medicine, the average nursing time has increased considerably. In addition, family structures have changed dramatically. What the daughters generation did in terms of home care in the past is simply no longer possible today. The alternative nursing home is usually not very attractive and costs a damn lot of money. Not only the affected person or his family has to dig deep for it, but also the state provides more with home stay than with lay care.

Improvements in family care time create more flexibility

In the past, the state has created regulations for the care of children: parental leave, education and kindergarten for under-3s. Now conditions are created that allow the family to better care for relatives . If the family is not overburdened, home care is probably the most humane option – and everyone wants to stay in their own home for as long as possible. This is “back to the roots” and back to cheap care , namely by wives, daughters and daughters-in-law as a rule.


Our service for you


Protect yourself and your loved ones now with high care costs.

Request a quote

What improvements are there in the family care?

10 days paid leave: For an acute care situation, the relatives are now entitled to 10 days of paid special leave (long-term care allowance) from January 2015. This is comparable to the special leave with illness of a small child. During this time, the employee can, for example, regulate the organization of the care or choose a nursing home. In this “short-term work prevention”, the medical certificate about the condition of the relative is sufficient if there is still no classification in a care level.

6-month Nursing Period: This is an unpaid, socially-insured exemption for employees in companies with at least 15 employees or workers. This time serves the care of the relatives or the dying care – also with outpatient support. What is new is that there is now a legal claim to the nursing period and that affected persons can take out an interest-free loan during this time.

24 months Family Care : To maintain dependents in a home environment, employees in companies with at least 25 employees are entitled to partial leave. A minimum working time of 15 hours per week must be maintained, informs the Federal Ministry of Health. Because of the lower earnings, an interest-free loan can be applied for in the future and there is a legal claim. If you apply for family care, you can not use the 6-month leave.

Requirements for care and family care

Employees are entitled to a period of nursing care if the person in need at least has care level I and is a close relative . In addition to children, grandchildren, parents, grandparents, siblings and spouses, registered life partners and partners in a marriage-like community belong to the spouse or partner.

Care for civil servants is up to 15 years

While the Nursing Time Act applies to employees, civil servants are exempted and may take longer to take care of a loved one. In the case of “part-time employment with less than half of the regular working hours and vacation without salary, a period of 15 years may not be exceeded”, it is stated in the Federal Civil Service Act, paragraph 92.

Family leave exceptions make law obsolete

Conclusion: Most people want to be there when a relative needs care. Legislators are certainly heading in the right direction with the improved services currently approved by the Bundestag. However, an extreme difference exists between employees and civil servants and, due to short-term changes in the law, even between employees in small businesses up to 25 employees, such as craft trades and freelancers, and the big companies. As a result, around 7 million employees are left out of family care.

It is incomprehensible that the exemption from work in the care case can not be the same for everyone. Care within the family is usually not only the best, but also the cheapest option for the state. In addition, the regulations for the education of children are the same for all employees. The size of the business does not matter here. Every worker should be able to be there for his mother when he is needed, just like a child. The state must set clear accents so that society can better deal with the issue of care.

Here you will find tips and more information on private nursing care insurance.



0800 300 3009

Free service hotline News always well informed

Insurance cover is in danger on Father’s Day

May 29th is Father’s Day. As every year, there will be some men and dads in 2014 who are looking too deeply into the glass on this holiday. If you cause an accident, you may lose your insurance coverage. Neither car insurance nor accident insurance covers any damage caused by alcohol consumption.


Wer am Vatertag zu viel trinkt, riskiert seinen Versicherungsschutz
Father’s Day: When men celebrate themselves

The Lord’s Day or Father’s Day is a holiday in honor of the fathers and men. Most of the time, it is less the women who celebrate their men, but the men themselves. With carts and a lot of beer they move through the area. But in the boisterous mood, many men do not know their limits, especially in good weather. Many overestimate their abilities and even drive a car if a taxi would be appropriate. On no other day of the year are there so many alcohol-related traffic accidents, therefore warns the accident research of insurers. The alcohol can not only have serious health consequences, such as alcohol poisoning or injuries. Anyone who causes an accident under the influence of alcohol risks his insurance cover.

Traffic accident under the influence of alcohol: pays the car insurance?

It has been true for some years that car insurers perform gross negligence, such as when driving under the influence of alcohol. However, in the case of motor vehicle insurance, the Federal Court of Justice has ruled in the past that full comprehensive insurance does not have to pay if the insured person causes an accident in total frenzy (Ref. IV ZR 225/10). From 1.1 per thousand motorists are considered unfit to drive. Anyone who gets behind the wheel on Father’s Day will not receive any benefits from his comprehensive insurance in the event of an accident. But even at 0.3 per thousand, the car insurer can cut benefits.
The motor liability insurance pays even in a car accident caused by alcohol. After all, the accident opponent should not be punished twice. However, the insurer can take his customers into recourse and reclaim up to 5,000 euros from him.

Even with the private liability insurance, limits can apply until when the provider fully reimburses damages, if these have arisen under the influence of alcohol.

Our service for you

Are you looking for a professional advice on precaution and insurance?

Find experts now

Accidents on Father’s Day not uncommon – What pays the accident insurance?

Those who seriously injured in an accident and partially or completely disabled, can rely on the private accident insurance. It pays depending on the degree of disability, an agreed sum or even an accident pension – but not if the cause of the accident is alcohol. Because here the insurers speak of disturbances of consciousness. As a rule, the accident insurance does not pay. However, some companies do not rule out the insurance cover for alcohol consumption. However, certain alcohol limits may apply, so that the insurance conditions should be checked carefully.


An accident occurs when the insured person involuntarily suffers damage to health as a result of an event that suddenly affects her from the outside.”
Insurance Contract Act § 178 paragraph 2

Insurance cover under alcohol: You can rely on health insurance

After all, men do not have to worry about their legal or private health insurance on Father’s Day. If they need medical care, the health insurance company reimburses the treatment and transport costs to the hospital, even if beer and schnapps are the cause. However, if the ambulance jumps out in vain, or if drunks cause an unnecessary fire brigade or police operation, then they must expect to pay for the resulting costs. Therefore it is also on Father’s Day: Better to drink a beer less so as not to jeopardize your own health and insurance coverage.


Anja Schlicht

editorial staff

newsbox icon

More news about consumer news

Question of the week: Which insurances play a role in the World Cup?
Technical progress provides many approaches to better mobility
“Turnaround is not just e-mobility”
Long-term care insurance: Who offers the best mix of price and performance?
Question of the week: Which insurances play a role in the World Cup?
Cash benefits in comparison: Which health insurance pays osteopathy?
Technical progress provides many approaches to better mobility
“Turnaround is not just e-mobility”


Find a contact in
Your proximity

seek now


Cost trap for young: Reform of long-term care insurance thought too short?

Tuesday, 03.01.17 , written by Annabell Meyer Since the turn of the year takes the second stage of comprehensive care reform. Many people in need of care may now enjoy higher benefits. But the changes in long-term care insurance cost a lot of money. While Minister of Health Gröhe agrees not to cover the additional expenditure by further contribution increases, financial experts disagree. >

Pflegestärkungsgesetze könnten zur Kostenfalle werden

Reform of long-term care insurance: contributors face high costs

As of January 1, 2017, the Second Nursing Act has made far-reaching changes in care effective. Since then, there has been a new definition of care, which brings improvements for the majority of those in need of care. Caring relatives are now better supported or secured.

However, the more comprehensive care benefits have their price. In 2017, experts expect additional expenditure of around seven billion euros on statutory long-term care insurance. For comparison: In 2015, the health insurance companies spent a total of around € 29 billion on care services. To cover part of these costs, insured contributions to the New Year were increased by 0.2 percentage points. For the time being, they should remain stable until 2022, as Health Minister Hermann Gröhe (CDU) now confirms again to the Süddeutsche Zeitung. Nevertheless, caring reform could become a cost trap, especially for young contributors.

Nursing reform: Overspending is at the expense of the insured in the long term

Gröhe plans to keep contributions to statutory long-term care insurance stable over the next five years. He wants to protect insured persons from excessive financial burdens, he emphasized to the newspaper. However, financial expert Bernd Raffelhüschen warns in the world that contributors could soon be even more heavily burdened by the existing pay-as-you-go system. Because the system is linked to the population development. While there are more and more elderly and people in need of care, fewer and fewer young people are making contributions to the long-term care fund. This creates an imbalance between spending and revenue.

To compensate for this deficit, the monthly contributions would have to be increased. The Scientific Advisory Council of the Ministry of Economic Affairs expects that in 2040, employed persons will spend around four percent of their income on long-term care insurance .

Our service for you

Protect yourself and your loved ones now with high care costs.

Request a quote

People in need of care receive more, workers pay more

The main reason for the rising costs of the second phase of the nursing reform is the extension of care for those in need of care. At the same time, however, potential savings were not implemented, which is why insured persons now have to dig deeper into their pockets.

Contribution increases alone are not enough to offset the additional costs. Rather, the reserves from the nursing care fund must also be tapped . As Barmer’s annual nursing report indicates, this year, around € 3 billion in reserves would be needed to cover spending.

Despite care reform: benefits of the long-term care are often not enough

As a result of the Second Nursing Welfare Act, people in need of care have been receiving more money than before in most cases since 1 January 2017. But even the expensive improvements of the reform are often not enough to cover the costs for the care needs. Depending on the degree of care, there is a gap of 1,000 to 2,000 euros , for which the victims themselves have to pay. For this reason, many people with a supplementary care insurance before.

According to the Association of Private Health Insurance, about 3.41 million Germans are currently securing this for the care case. Although these are only about four percent of the population, the trend is rising. Those who opt for private care can already secure themselves for little money. However, the later the decision is made, the higher the monthly contributions.

Here you will find tips and more information on private nursing care insurance. >

Annabell Meyer

editorial staff

More news about care insurance

# Will 13,000 new nurses make the turnaround in care for the elderly? # Better reconciliation of care and work: flop care loans # Suddenly care case: who pays for the care costs? 05/31/2018 Baukindergeld will not change the housing shortage in the cities 05/30/2018 ARD plus minus: health insurance contribution for many self-employed too high 05/29/2018 What financial protection do students have when they are disabled? 05/28/2018 Rürup, Riester and Co .: Which private retirement provision makes sense? 05/25/2018 Question of the week: What comes with the new travel law on vacationers?

nd Conditions | © 2004 – 2018

Wild Accident – Attention!

Wild Accident – Attention!

Especially at night and in the early morning and evening hours, it can lead to wildlife accidents. If a vehicle collides with an animal, then here are some important rules. First of all, drivers are advised not to avoid the wildlife when they suddenly appear only a few feet in front of the vehicle. An evasive maneuver would often be much riskier for all road users and could cause even more damage. From the insurance point of view, the driver has the obligation to minimize damage as much as possible.

“Mostly it is better not to avoid the animal, the insurance will pay only if you can prove that greater damage could be prevented, which is very difficult to impossible, when the game has meanwhile run away unscathed.”

Torsten Reinwald, Press Spokesman, German Hunting Association

After a wildlife accident, the animal should be brought as close to the roadside as possible in order to prevent secondary accidents. For hygienic reasons, it is important not to touch the animal with his bare hands. Still living animals, especially wild boar, should not be touched for safety reasons.

An injured animal fleeing after the accident should also not be followed. The responsible hunter or forester, however, it helps if the escape direction of the animal is reported. So he can locate the injured animal later and possibly release it from his suffering.

A wildlife accident must be reported immediately to the police or the local hunter . This then issues the driver a wildlife accident certificate . For the claim for damages against the insurance, it may be helpful to additionally document the damage incurred on site and to take photos of traces of blood or animal hair on the vehicle.

In order for the insurance company to pay without any problems after a wildlife accident, the police must confirm that there has actually been a game damage. If the police only confirm that a game damage has been reported, the insurance can subsequently deny that there was a game damage. The preservation of evidence is therefore particularly important

To the gross net calculator


Maternity pension: From July 2014, more pension for older women

# 0800 300 3009

Free service hotline


  • Property insurance & motor vehicle
    • Car insurance
    • Liability insurance
    • Pet owners liability
    • Legal expenses insurance
    • travel insurance
    • insurance
  • Flat house
    • Household
    • building insurance
    • Photovoltaic insurance
    • Landowner liability
    • Principal's liability
  • Health insurance
    • Private health insurance
    • Statutory health insurance
    • health insurance
  • Pension & Pension
    • retirement
    • life insurance
    • Disability insurance
    • accident insurance
    • Dread Disease
    • care insurance
    • Funeral insurance
  • Investment & Credit
    • financial investment
    • Accounts & Cards
    • loans
    • Construction Financing
    • Bausparvertrag

news Maternity pension: From July 2014, more pension for older women News always well informed Wednesday, 27.11.13 , written by Anja Schlicht The pension increase for older mothers is coming. As early as July 2014 you will receive up to 28 euros more pension per month and child. That's what the Union and SPD Nacht agreed on. With the mother's pension, the child care of older mothers in the pension should be better recognized. > Mütterrente ab Juli 2014: Wird dadurch alles besser? Union and SPD agree on maternity pension from July 2014

For a long time the CSU had demanded the introduction of the maternity pension. After the party had agreed with the CDU on the pension increase for older mothers, the inclusion in the election program 2013 of the CDU / CSU nothing stood in the way. The mother's pension was also included in the coalition agreement between the Union and the SPD. After a 17-hour negotiation marathon, the two sides tied up a comprehensive pension package. The pension increase for older mothers is due to come on 1 July 2014 and not on 1 January 2014, as it was initially intended. But even with the pension increase, the statutory pension is very likely to be too low for you and many women.

When will the mother's pension come from?

Pensions for older mothers will be adjusted as early as 2014. Just as Volker Kauder had predicted before the election, even if the date will be different. "From 1 January 2014, women who had children before 1992 will receive 28 euros more pensions per month per child," he says in a July 2013 FAZ interview. These 28 euros a month or 336 euros a year refer to the pension increase in the West. Women in the East are expected to receive just under € 26 more pension per month . These amounts result from the better recognition of your child-raising periods. According to the plans of the CDU and CSU, in the future you will be credited with one more pension point in the pension calculation for child rearing. You will receive two pension points in the future.

Update January 22, 2014 : According to research by the ARD magazine Plusminus, there is the possibility that you will have little or no benefit from the maternity pension if you went back to work early after the birth of your child. Reason: Your former income is charged according to ARD with the additional pension point.

Update January 29, 2014: The Federal Cabinet has approved the pension package around the maternity pension. The Bundestag now wants to vote on the pension plans in May.

Update 07. February 2014: You do not have to apply for the maternity pension. The improved recognition of child-raising times is automatic. Exceptions apply, inter alia, to mothers who, before 1992, have given birth to three or more children and otherwise did not contribute to the statutory pension insurance. Through the mother's pension, they now meet the minimum requirements for a statutory pension and are entitled to the old-age benefit. You have to apply for it.

Update April 22, 2014: The 2014 pension increase also applies to the maternity pension.

Update May 23, 2014: The Bundestag has passed the pension reform. The mother's pension will come as of July 1, 2014.

Update June 13, 2014: As expected, the Federal Council today gave its approval to the pension reform. Politicians of the SPD, CDU and CSU made it clear again in plenary how important the mother's pension is in terms of the now closing justice gap.

Update July 24, 2014: The first back payments start in mid-August, said a spokesman for the German pension insurance agency dpa with. By the end of the year, the recalculations for all those affected will then be completed.

Update August 26, 2014 : "Now come the pensions on the account, which are higher because of the better recognition of the educational times," says Labor Minister Nahles to rp online. However, it will still take until all 9.5 million retirees get the improved pension and additional payments from July.

Update 01. October 2014: ARD Plusminus is currently clarifying the question of when a voluntary additional payment in the statutory pension fund for the mother's pension worth. Older mothers, who do not meet the minimum insurance period of five years for the statutory pension, can now close this gap by the new recognition times now easier, informs the German pension insurance. For example, since women whose children were born before 1992 are now being credited with two years' contributions to their pensions, one mother of two children lacks only one contribution year to qualify for a pension. With a voluntary additional payment of 1,020.60 euros , a monthly pension of more than 118 euros would be gross in the West, according to Deutsche Rentenversicherung. With this amount of pension, the additional payment would quickly pay off.

Update February 17, 2015: Divorced fathers have made more requests for a recalculation of the pension equalization in the second half of 2014 in order to check whether they can participate in the maternity pension.

Our service for you

Secure your retirement now with the right old-age provision.

Request a quote

Mother's pension does not protect against old-age poverty

But even with the better recognition of child-raising periods, your pension will remain low . This is true regardless of whether you are a young or an elderly mother. Due to your broken employment biographies, you are probably only entitled to a low retirement age pension. If you do not make a private pension, you will later be dependent on social benefits . Already many Germans are threatened by old-age poverty. In addition, you will incur further costs in your old age. Become a nursing case, you get into serious trouble. Your meager pension can not cover the cost of care , so in the end, not only will all of your own capital be used up for care, but your children will also be held financially responsible.

Tip for over-50s: Despite the mother's pension, many older workers will be affected by poverty in old age. But a private pension is worthwhile for over 50-year-olds rarely. Experts advise, therefore, prefer to protect themselves from further costs in old age, such as in need of care, and recommend a Now compare rates

Introduction of the maternity pension as of 1 July 2014

Many see the introduction of maternity pension as a matter of justice. For women whose offspring was born in 1992, three pension points are calculated. So most Germans welcome the pension increase. Critics complain, however, how the additional costs of about 6.5 billion euros are to be covered in the year. Not the federal budget will finance the pension adjustment, but the pension fund. It is already feared that this could lead to a greater burden for pensioners. Correspondingly critically condemned Anton Hofreiter, faction leader of Alliance 90 / The Greens, the provisional coalition agreement. The now decided pension package "breakfast the future" , as black-red vigorously reach into the pension fund, said Hofreiter in the ZDF Morgenmagazin. The plans will therefore be at the expense of future generations.

How safe is the mother's pension?

Even though the Union and the SPD had agreed on the introduction of the maternity pension in 2014, the pension increase was certainly not enough for you. Only after the Bundestag had debated in May on the pension package, the decision was safe. However, as there were hardly any details about the maternity pension, delays in further negotiations were unlikely anyway. In addition, the mother's pension would have been retroactive.

Here you will find tips and further information on old-age provision. >

Anja Schlicht

editorial staff

  • share 0
  • tweet
  • +1 0
  • Feeds

newsbox icon

More news about retirement

# Rürup, Riester and Co .: Which private retirement provision makes sense? # Problems with the occupational pension: Soon less money for the insured? # The three main points of the basic pension: height, entitlement, introduction 05/31/2018 Baukindergeld will not change the housing shortage in the cities 05/30/2018 ARD plus minus: health insurance contribution for many self-employed too high 05/29/2018 What financial protection do students have when they are disabled? 05/28/2018 Rürup, Riester and Co .: Which private retirement provision makes sense? 05/25/2018 Question of the week: What comes with the new travel law on vacationers?

  • News archive
  • Private health insurance
  • Disability insurance
  • Statutory health insurance
  • Car insurance
  • care insurance
  • retirement
  • Investment / finance
  • life insurance
  • Riester pension
  • Liability insurance
  • Construction Financing
  • Apartment and house
  • insurance
  • health insurance
  • consumer News
  • review


Consultant on site

Find a contact in
Your proximity

seek now

  • about us
  • Press
  • test winner
  • consultant service
  • Affiliate Program

Privacy Policy | Terms and Conditions | © 2004 – 2018


News Democratic participation of young people: “Everyone can make a difference

News Democratic participation of young people: “Everyone can make a difference News always well informed

Thursday, 27.07.17 , written by Annabell Meyer Young people often take little notice of their environment. Because many of them think that they alone can not change anything anyway. This is exactly where the Youth Democracy Fund Berlin comes in. The program aims to show through different projects that each individual can make a difference with his commitment. >  Young people can make a difference through their democratic participation

For many people, democratic participation means voting and casting their vote. But to change something requires more commitment from each individual. This is especially true for young people, emphasizes Roland Geiger of the Youth Democracy Fund Berlin.

Under the motto “made strong! – Youth takes influence “the program supports projects with which young people want to change something – politically as well as socially. The aim is to show young people what their mission can do and what big impact small acts can have . In an interview with, Geiger explains which experiences are particularly important for the young people and how the decisions about funding come about.

With the Youth Democracy Fund Berlin, you are supporting projects in which young people are encouraged to become more democratic participants. What are your main goals?

Roland Geiger: The most important goal we pursue with the Youth Democracy Fund is the so-called self-efficacy experience. Young people should feel through appropriate offers and learn that they can make a difference, be it in their own neighborhood, at school or in the youth group, which meets regularly at the football field. It is crucial that the adolescents recognize afterwards that their commitment has been perceived and valued . They step out of anonymity and learn that they can do something with their commitment.

Of course, it is also important to have the basic democratic experience that young people gain when they go beyond the mere choice and make a difference with their commitment. For me personally this is a kind of germ cell of democratic action.

Another desirable side effect is that young people understand how the state shapes their city. They should recognize the influence of money on their daily lives and that many changes in their environment result from financial decisions.

How do you try to get young people to become more involved?

Roland Geiger: The most important thing for us is to show young people that every single person counts. They should get the feeling “You are important no matter where you come from and what you look like”. Nobody should feel marginalized. Therefore, we want to give everyone a possibility of participation. The Youth Democracy Fund sees itself as an important space of experience for young people , which goes beyond the school or youth associations. It is about both political and social participation.

Our focus is on informal groups that we want to support. This means that young people who want to get involved in a particular cause do not have to join an organization or association to promote their project. For example, a group of youths who are working to replace broken basketball nets on their playing field may apply to us.

  • Our service for you
  • Are you looking for a professional advice on precaution and insurance?
  • Find experts now

Is there a project that you have particularly remembered?

Roland Geiger: Of course, we are promoting different approaches, including a project by technology-savvy young people who set themselves the goal of developing different programming that would make everyday life easier. The project was successful in that in the meantime donors have found Germany-wide, so that it can take place in different cities.

Above all, such projects that are supported by our youth juries touch me. All applicants of a district decide together, which project needs and receives how much money. As an example, I recall a group of young people from Berlin Kreuzberg, which has worked to provide for the homeless. These youths received money from the youth jury, from whom they bought and cooked. The food was later distributed to homeless people in their district.

The allocation of project funding is mainly decided by young people. It’s about a lot of money. In your opinion, are the young people aware of the great responsibility they bear in their decision?

Roland Geiger: Personally, I have the experience that the young people handle the money very responsibly. For some projects, I sometimes even feel that the adolescents need a little push to take more risk . Because only with a certain risk do we achieve innovations. If every goal can be met easily, it may have been set too low or too little to do in the planning. Here it is important to support the young people.

In contrast to other funding programs, you make all decisions on transparency, in order to make it comprehensible. How exactly can those who are interested in funding imagine the decision-making process?

Roland Geiger: There are generally two funding pillars: First, the funding in the respective districts. These get an amount of 12,000 euros, which they themselves must increase by ten percent. From this money then the complete organization of the youth jury must be financed. Subsequently, the youth jury will decide on the respective applications.

Secondly, there are funded projects worth around 300,000 euros, which are decided by a so-called steering group chaired by the State Secretary for Youth, Sigrid Klebba. Approximately 200,000 euros will be distributed in a two-stage process . An expert jury discusses the applications we have collected and gives recommendations for support. Their recommendations then go to the Steering Group, which includes Senate representatives, representatives from the Provincial Youth Council and the Council of Mayors. The group then decides on the funding recommendations.

Basically, it has been shown that both the steering group and the expert jury are focusing on action-oriented projects. That means projects in which something is actually being changed , such as the redesign of a playground.

More news about consumer news

# Baukindergeld will not change the housing shortage in the cities # Question of the week: What comes with the new travel law on vacationers? # Termination of employment contracts: “Swiss Post’s procedure is unsocial” 05/31/2018 Baukindergeld will not change the housing shortage in the cities 05/30/2018 ARD plus minus: health insurance contribution for many self-employed too high 05/29/2018 What financial protection do students have when they are disabled? 05/28/2018 Rürup, Riester and Co .: Which private retirement provision makes sense? 05/25/2018 Question of the week: What comes with the new travel law on vacationers?


Marketing For The Amateur

Do may all these formalities? If yes, you are eligible to request these installment loans in order to get quick cash before you received a monthly salary. It is a great financial support to formulate your monthly financial expenses.

Have you mostly imagined owning a very business? If thus, should be in order to create that dream a reality. If you’re willing to speculate the time required in up-front designing, you the shocked how quickly you’ll online business heading.

When business plan definition pdf for small business, concentrate on what really needs staying done, the end up being be ensuing. The plan does not possess to turn into 15 or 20-page document. In fact, it got to only be one or two pages maximum. Require also possess a yearly budget or financial plan as well. You really do n’t want to go overboard and do tons and tons of research along the market, along with the opportunity, mainly if you are already incorporation!

A.This is often a summary of one’s business plan, highlighting the critical thing points of interest and really worth. It should be concise nevertheless superficial. Ought to grab your readers attention, so needs become interesting – think in marketing terms ‘AIDA’, Attention, Interest, Desire, Action. The goal is to buy the investor to have all ultimate states, allowing the desire to purchase you.

The real world contains unpredictable people and incidents. With it, it’s a dog-eat-dog complete world. If you have something beneficial for the world, show it fast and convincingly, or else somebody else will be able to place. For the reason that in this world that you want a well-business plan purpose.

1) Comprehend it takes the point. Few businesses are overnight successes. Most require a lot of planning and hard work before they kick off. Business plan meaning and importance requires thinking through an individual will manage your day-to-day activities. Up and down the way, these vehicles actually realize you have not thought much about the way your business will operate, there are lots of your competitors lucky, or how to best serve the needs of your target. By working out these details, specialists. Refine your strategies to target your highest-priority activities.

There is a number of how you can market the company through yellow pages, telephone helpline firms, internet, radio, newspaper, magazines, and leaflets. A people are in service sector anyone wants to obtain business from foreign countries as well listen make your website and perform search engine optimization.

There anyone could have it. In order to hear it so often times before and here is the perfect time for that execution. If you are an entrepreneur, an individual might be always won because entrepreneurs never quit. If one idea cannot work then another will. Keep trying and success is sure.


Salary Advance Loans – Fulfill Your Individual Necessities Effortlessly!

If you’re searching to obtain a credit history car financing, but take some information before carrying it out, you happen to be likely to desire come up with an effort to appear at the paper interruption.

For availing payday loans online no credit check instant approval no faxing, you possess to undergo certain stipulations to submit an application for it. For applying for this loan, ought to be a genuine citizen persons. You must attain 18 years of age. Have to have a permanent job. And also you should have a valid bank in Us.

Now you need to find the repossessed property of your dreams. Tend to be advertised by smaller auctions and websites such as Globrix and Rightmove, but they also probably won’t have REPOSSESSED plastered around them. The ads. Generally look cheaper, however, with no photos and economical labeling. You could also try asking an estate agent about repossessed or distress sales.

Most financing companies together with prime and subprime car loans. So start your financing search by asking for loan quotes from a few different lenders. For people with no idea who to be able to at, using recommended areas.

So now that you have shopped around and found the right laptop every person now a period for payment. An individual considered all the options? Place pay cash, if you have the funds on hand, or use a card to finance your tablet computer or laptop. The majority of people do choose to finance their laptop purchase due to the fact allows for convenient and affordable payments. Prior to selecting this type of payment, should ask yourself the following questions are actually meant which will you assess if or not you could qualify for the laptop financing bad credit.

There additionally many lenders out there who aren’t what acquiring a car to generally be. Mortgage refinance scams are common and can really be damaging. To avoid scams a person should always deal having a trusted lender and read every part of paperwork extensively. If a deal does not seem right then the moment has come best to back out before ever signing what.

If you’re looking for a way to get some extra cash and don’t want your credit report affected, a loan can be the alternative for you. As with any loan, confident to speak with your budget help make matters sure you can pay back what you borrow.

24 Hr Loans No Credit Check- Good Chance For Getting Fund For Bad Scorers!

Usually, all US lenders provide loans for short time period. But if you want loan regarding long time period than what is going to you does? May be a person ask to friends plus relatives for help. In case they don’t help you then exactly where will you go. Don’t be stress just apply for 6 30 days loans no credit check. These types of loans will provide you financial help for a loan period of time. The best part of these types of financial loans is they provide help to everybody. This means if you are suffering from credit rating history then you can also get the advantage of these financial schemes.

Without credit score checks, one would be able to get their loan in a quick way. One can avoid a lot of needless paperwork as well. Since might be found take a lot of time and effort, one particular gets to be more relaxed whenever one applies through the web. He does not have to worry about delivering collateral either as such safety is not required. These financial loans are beneficial instant cash loans australia because they are shipped right to one’s door. Which means that one need not worry about their assets westpac personal loan insurance being out any kind of time risk even when he can not repay the loan promptly.

By availing the above-mentioned criteria, it gives you the chance to avail loan at any time. By means of such sort of financial assistance, one can get quick money varying from $100 in order to $1500 with easy pay back option of 2 to four weeks. Being short term cash assistance, you just need to hold higher rates of interest as compared with other loans.

On the internet is the best procedure to get immediate bad credit loans. You happen to be just required to fill an internet application form with some details such as name, address, gender, bank-account number, loan amount and so forth the amounted transferred to your with in few hrs of approval. There is no requirement of you to go for some extra thank you’s as these loans provide online service to its debtors.

Payday loans with no bank account are usually availed by people even if of their bad credit problems. Therefore, you will also be interested in the lenders even when you are experiencing arrears, bankruptcy, defaults, CCJs or even insolvency and other credit score faults. This great finance must be reimbursed with the accumulated rate of interest within a month and thus, the particular borrowers don’t feel any kind of loan burden on their shoulder blades. Payday loans with no bank account conquer out your small fiscal crunches.

You can explore an amount varying 50-1500 by applying for a few month payday loans no credit check using a repayment tenure that runs for 90 days. This cash can be availed by individuals facing poor credit record like defaults, CCJ, IVA plus bankruptcy as well.

Our primary aim is to give the customers with the quick supply funds so that their substantial work will not be delayed. It could be widely used for the urgent obligations of medical bills, immediate requirements for renovating the house, paying the undue expenses, the urgent breakdown of the vehicle and etc. This broad approval has resulted in such advancement. The approved fund is undoubtedly financed as per the requirement as well as the repayment capacity of the consumer. This type of financing option decreases the time required and also other needless charges. Like other short term arrangements, it also provides the necessary amount on the same day. Just no credit checks are required.

These financial loans are offered in both secured along with unsecured way. You may get the money approved any way you want. Within a secure way, you have to promise any of your assets to get the money approved. These are approved rapidly. In the second case, although the loans are approved with no collateral. But these are accepted at a higher rate of interest. For the reason that of the risk the lender is usually bearing in granting a personal loan without any security.