Cheap homeowners insurance in the test: Where top protection costs little

Homeowners should not forego the protection of building insurance. Because even a small damage to the house, for example by storm, fire or frost, can significantly burden the household budget. However, a very good protection does not have to be expensive, as a new test shows. Cheap homeowners insurance are already available from 18 euros a month.

“Homeowners need a homeowners insurance,” says the Stiftung Warentest. Damage to the house can ruin the owner financially. Also the consumer center North Rhine-Westphalia emphasizes in the course of the current test of the Handelsblatt that ” residential buildings insurances against the existence-threatening total loss of the own four walls protect .” But some homeowners frighten because of the high costs before the insurance back. The latest test winners show that even a cheap homeowners insurance can offer the best services .

22 residential property insurers in comparison

On behalf of the Handelsblatt, the rating agency Franke and Bornberg examined 22 insurers with regard to their services and their price. The basis of the investigation is a single-family house with garage, which was built in 2015. It has a developed pitched roof, no cellar and a living area of ​​134 square meters. In order to be able to better compare the different providers in terms of price, the testers have examined the tariffs for five different cities (Hanover, Munich, Berlin, Cologne and Hamburg). The cheapest very good homeowners insurance costs just 216 euros a year, that is 18 euros a month.

Comparing homeowners insurance: Pay attention to limited benefits

In addition to the classic risks such as damage caused by storms, fire and tap water , other services are covered by the building insurance policies examined. For example, they also pay for overvoltage damage, elimination of graffiti, cleanup costs and gross negligence on the part of the insured. Homeowners, for whom certain services are particularly important, should be aware of reimbursement limits. For example, only a small number of insurers pay in unlimited amounts for damage to drainage pipes on the property. Some limit the protection to 2,500 euros per case.

Cheap homeowners insurance: top protection from 216 euros a year

In the residential building insurance test of the Handelsblatt WGV (“Optimal”) collects the most points. 2nd place is shared by HDI (“Wohngebäude Premium”), Janitos (“Best Selection”), GVO (“Top-Vit”) and InterRisk (“Konzept XXL ohne Beitragsanpassung”). Third place is followed by AXA (“BOXflex EFH / ZFH”) and Waldenburger (“Premium”). After all, even media (“Premium WFL”) secures a very good rating. Another nine insurers achieve a good overall rating, four are satisfactory.

Only one tariff can not convince the experts and ends up with a sufficient grade in last place. The insurer is also the most expensive in the test. With him the protection costs depending upon place of residence between 993 euro and 1,156 euro in the year. However, for a very good and cheap homeowners insurance paid insured less than 250 euros a year . The annual fees for one of the top rates vary by city as follows:

  • Hannover – 216 euros to 333 euros
  • Munich – 258 euros to 346 euros
  • Berlin – 216 euros to 321 euros
  • Cologne – 312 euros to 430 euros
  • Hamburg – 242 euros to 384 euros

Where can I get a loan for my car quickly?


When you begin life in the world of credit, you may be challenged to make big purchases.

And even though you do not have anything in your credit history, it may not be enough to satisfy some lenders.

For all this, you will want to know where you can find a credit for your car, and some more things that you will find out in this post.

Where can I get a loan using my car as collateral?

As you seek financing, you can try banks, credit unions, and Internet finance companies.

However, our recommendation is that you apply for financing through the online lenders, as their procedure is quite easy and fast.

On our page, for example, we have a product at your disposal.

It is a product of Carr, and you can offer up to € 10,000 to use it as you want.

It is a loan for your car, that is, they leave you money pawning your car.

But, this is not an effort either, since Carr gives you the alternative of being able to continue using your car on a regular basis, in exchange for a tight rental fee.

Or if you prefer you can rent another smaller vehicle.

As I was saying, the process is quite simple, since the first part is done via the Internet, that is, the request.

And the other part, with Carr, because you must get in touch with them to proceed with the valuation of your car, and thereby communicate how much money you can leave as a guarantee for your vehicle.

So you know, if you need money, give the button to request our car loan at TexasTitleLoan.

Why should I pawn my car?

All people reach a point where they may need additional financial help, be it for business, pleasure or everyday life.

If you are lucky enough to own a second car that is a quality mark and maybe even a classic one.

Then you may be forgiven for thinking that you would have to sell it to get the money you need.

If selling is your only option, depending on the speed at which you need the money, you can end up cornered accepting a very small sum from a commercial buyer at the point of sale.

Then, you will end up losing the car and also without getting much for it.

In this situation, pawn your car could be the ideal solution for you.

The car is still yours, and if you prefer you can continue driving it in exchange for a small rent.

But once you repay the loan, the car is completely yours again.

Once you have made the decision to pawn instead of selling, simply make the request online on our page, complete the form and give it to send.

What happens next?

After receiving your request, one of the experienced Carr representatives will call you directly to discuss your car’s commitment.

They will ask you some questions regarding your vehicle, confirm that you are the legal owner and verify that the car has no financing.

You can also ask any questions or concerns you may have about the process.

After all, it is likely that your car is your pride and joy and you have to pawn it at a time when finances may be tight, naturally, you want to make sure you get a good price and that the car will be serviced.

Once you finish your initial conversation, Carr will arrange for one of the vehicle specialists to see the car in order to make an initial assessment of the commercial value of the car.

The amount of the loan that you can expect will depend on the value of the commercial market at that time, as well as the general condition of the vehicle.

According to Carr loans they can lend up to € 10,000, but this is based on the formal valuation of the trade specialist at that time.

Once the loan amount is completed and you agree with it, the contract will be signed, and after 24 hours you will have the money in your bank account.

What will happen to my car when it is pawned?

We know that a classic car, old or expensive, or a mixture of the three, can be a prized possession of someone.

Most likely, the car is being bent to release a large amount of money you need quickly to cover an emergency or other pressing need.

Usually, this will be as a last resort, with the owner resistant to it happening at all.

However, once the loan has been transferred, you can continue to use your car on a regular basis (if you have chosen this option).

If not, Carr will be in charge of your car until you pay the entire loan, providing your car with the best treatment while it is in your possession.

And when your loan is canceled in full, the car will be returned to you again.

Carr will give you the best loan based on the valuation of the vehicle, so you can get the money you need.

In addition, you will not have to pay interest for the borrowed money, you only have to return the money that is lent you in the beginning, so you will get joy at the end of the loan.

That’s a pretty convincing reason to pawn your car and not sell it directly.

While making the decision to pawn your car can be difficult, it may be the best long-term option.

And to finish…

Although the process can be distressing, especially if you have never had to pawn a car before.

With Carr you can see that it is not difficult to get the money you need, without the need to lose your car forever.

You should only be responsible and pay the amount you have requested.

In times of urgently requiring money, it is convenient to be well informed where to apply for credit by putting your car as guarantee since you can get cash quickly.


Girona changes municipal debts for work to the community

Image result for gironaGirona (Editorial Office / Agencies) .- A total of 165 Gerona residents welcomed in 2014 the option of changing debts for work for the benefit of the community. The Girona City Council received 235 applications, of which 70 were excluded. Of the 165 remaining, a total of 102 has already completed their task forming part of one of the municipal brigades , such as cemeteries or gardening. To qualify for this option, a report that determines that the person is insolvent is mandatory. The 102 Gironans who have completed these tasks owed 181,000 euros to the town hall – the majority for traffic fines or sanctions of the civility ordinance – which means an average of 1,775 euros per person.

According to the memory of the area of ​​Services to People, a total of 235 citizens asked to be able to do work to forgive debts. To qualify for this option, however, two essential requirements are needed: be registered in Girona and a Social Services report that specifies that the person is insolvent. As explained by the Councilor for Social Services, Eduard Berloso, this measure is very well received by the beneficiaries as they are people who have an interest in ending debts but are unable for economic reasons.

To calculate how many hours each person must do, it is done at the rate of the calculation that each hour of work is 15 euros. The majority of the defaults are for fines of circulation and also for sanctions of the ordinance of civility (like drinking in the street, urinating, causing disturbances or walking the dog without tying, among others). The average profile of who receives this measure is from a person in the environment of 35 years. Of the 102 Gironans who have already completed their work for the benefit of the community, more than half have done so helping the brigade of cemeteries, and also in other work related to gardening, libraries, painting or in the Huertas de Santa Eugenia.

One million for housing subsidies

Image result for housingIn the 2014 report on the area of ​​Services to People, the Councilor for Social Services has highlighted the aid for different aspects related to housing. The city council has allocated 657,000 euros to help 300 families who could not pay the rent. These are citizens who live in private apartments -not in social housing- and who go to the consistory because they see that they will not be able to face the monthly payment (the city council calls it fair rent aid). Apart, 63,500 euros have also been allocated to other specific aid.

The Girona City Council has also had to face some payments that citizens living for rent in municipal apartments have not been able to pay. In total, they have assumed the cost of 149,850 euros of unpaid rent receipts and has acted in the mediation of people that the bank has granted the dation in payment to be able to stay in their apartment and avoid being evicted. In these cases, he has forgiven them the payment of the surplus value, which means that he has stopped paying -according to municipal data- 180,000 euros. The councilor stressed that, adding all these concepts, the session has allocated 1,050,000 euros to issues related to housing.

During 2014, Social Services received 2,191 applications from Girona citizens who could not pay electricity, gas or water bills, 596 more than a year ago. The demand to buy medicines also grows: from the 1,932 applications of 2013 to the 2,395 of 2014.

Dining scholarships

Image result for scholarshipsThe Girona City Council has allocated a scholarship for dining room that the Generalitat has ceased to assume. “Our commitment has always been that all children in the city have at least one balanced meal a day and that is why we have made this effort,” said the councilor of Social Services. During 2014, 481 grants of this type have been granted, earmarking a total of 101,000 euros. Likewise, 50,000 euros have been allocated to the meat plan, which serves to distribute meat to families in need during the summer, when children no longer go to school.

During 2014 the number of beneficiaries of the Food Distribution Center (CDA) has also grown. If 6,106 people attended in 2013, a year later the figure rises to 7,321 (which means about 2,430 families served).

Daniel Estulin: "We are on the verge of a global economic collapse and the dismantling of the capitalist system"

We are on the verge of a global economic collapse and the dismantling of the capitalist system

Daniel Estulin became world famous with his series of books about the Bilderberg Club . Thanks to him we knew that there is a power in the shadows, beyond the control of governments, that moves the threads of the world economy to perpetuate itself in power. Until now, the model implemented by David Rockefeller and Henry Kissinger that turned capitalism into a voracious extractive model in search of infinite growth did not encounter opposition. He already has it.

And Donald Trump is the visible face of a counter-power woven by the common interests of other giants: the British Empire, Hong Kong, the Rothschilds and the European aristocracy are the support of the current US president. And both models can not coexist. This is what Estulin explains (author of works such as Octopus Conspiracy, Demonating Wikileaks and Out of Control) in the work he just published, La trastienda de Trump (Planeta). According to him he says is the best of all his books.

All the governments of the USA have intervened in distant places (from Vietnam to Nicaragua or Afghanistan) according to their own interest. With Donald Trump in the White House, are we closer to a conflict on a global scale?

I really doubt it. Trump is 90% percent an unavoidable reaction to the foreign policy of the United States and, surely, also to domestic politics, because today the line that separates the two has become very blurred. National sovereignty has been replaced little by little by corporate sovereignty. Initially nurtured by the state, major transnational corporations, global financial institutions and international online communities have become powerful enough to demand independent policies and, in some cases, dictate the needs and opportunities of entire countries, including the United States. These actors, who are not States, are those who shape the current global agenda.

Who in Washington fears that Trump could approach Russia and China, the traditional enemies of the United States?

Who in Washington fears that Trump could approach Russia and China, the traditional enemies of the United States?

Anyone linked to the liberal / banker / financier model. Since the financial crisis of 2008, the elites of financial circles have been limited to continue expanding their savage assault against the standards of life of their population and the laws of physical economic progress, while still enriching. Its financial system is condemned and could explode at any moment, which would unleash an unimaginable social chaos throughout the world. The idea that Donald Trump will unite the United States with Russia, China and India in a new paradigm of economic development is observed on his part, not without success, as a mortal threat to his existence.

Even in the Republican Party, support for Donald Trump is not complete, high-ranking party officials, such as John McCain, have spoken ill of him. Would it be appropriate to use the metaphor that, in order to confront Clinton, some fed the beast too much and it got out of hand?

Trump is fighting against the Deep State. And the Deep State does not distinguish between parties: its economic model is based on unlimited growth on a planet with limited natural resources. That is why both Republicans and McCain and former President Bush Sr. voted against Trump; they and the Democrats have Trump as their enemy. It is evident that the only possibility for financiers to guarantee their own survival is to control the Federal Reserve system from the White House. That is why the bankers / financiers promote certain people (Hillary Clinton) to occupy the position of president of the United States. Had Clinton been elected president, she would have protected them from the ongoing setback.

That Deep State of which you speak, the Government of the World Enterprise SA as you also call it on other occasions – of which Bilderberg and other private clubs would be the semivisible tip – has men everywhere. How could they not truncate Trump’s promotion until he became president?

Because the people behind Donald Trump are infinitely more powerful than those who supported Clinton. Trump vs. Clinton was a battle for the survival of two economic models that can not coexist. It is the struggle between Clinton as the visible face of a transnational power centered on the figure of Rockefeller, transnational bankers, Empresa Mundial SA, that is, economic factual powers with more power than any government on Earth. They are joined by globalists, Silicon Valley, Hollywood, the Washington bureaucracy, Wall Street, intelligence agencies and the media against Donald Trump. And he is backed by non-American financiers focused on the City of London, Singapore, Hong Kong (the world center for the laundering of money from drugs and under British intelligence and control), the remnants of the elite of the British Empire, Rothschild and, finally, the European elites represented by the old continental aristocracy of the Houses of Saxony, Austro-Hungarian and Ottoman nobility, the Guelphs and Venetian Black Nobility.

The World Government SA must be extremely tempting.

The World Government SA must be extremely tempting.

How do you foresee that they may be tempting Trump, a multimillionaire who, after entering the Oval Office, has everything?The game is much bigger than World Government. It is about saving the world from a third thermonuclear war. If we come to an economic collapse (and we will arrive if in less than a year they do not find an alternative economic model) the war will begin. The alternative group (the isolationists who supported Trump) understand it and for that reason already in 2014 they also began to position themselves for the next general elections of 2016 in the United States. Why Trump? It is not political, because politicians think first and foremost about how to avoid exposure and, therefore, remain vulnerable. On the contrary, Trump thinks about how to obtain results. Therefore, there was no division between parties (Republican vs. Democrat), as in 2014, but in its own bosom: the Republicans won because the plan to start the printing press for money and thus save the global financial system was associated to the Democrats, while the plan to save the national economy was associated with the Republicans. The most outstanding isolationists, that is, the defenders of the national economy, were Rand Paul and Trump, of the Republican Party, and Bernie Sanders, of the Democratic Party. That’s why President Obama, at the beginning, strongly supported Sanders. The chronology of the events is easy to follow: the Strauss-Kahn case took place in 2011; the Goldman Sachs scandal occurred in 2013; Obama stopped monetary printing (quantitative easing) in 2014, and in 2016 there was brexit in the United Kingdom and Trump’s victory in the United States.

In the book you use harsh concepts against Western governments and the offices of London and Wall Street that your readers already know. I am referring to the accusations of being allies of the drug cartels and the arms traffickers. How can Trump’s arrival interfere in this lucrative international shed?

The drug is the lubricant of the world economy that moves 950 billion dollars a year in cash. The best way to take power away from the Deep State behind the drug business is to eliminate the agents that move this market, especially the CIA. So, with Trump, we are seeing the realignment of a part of privatized finance with the military and military intelligence. The Office of Naval Intelligence, the Defense Intelligence Agency, the National Reconnaissance Office, the National Security Agency, etc., are all aligning with Trump. What they are doing is leaving the CIA out in the open. If you have these agencies, why do you need the CIA? The only thing the CIA does and that you might need is related to drug trafficking and covert operations. Except that the other intelligence agencies are equally capable of carrying out such operations. In other words, we seem to be witnessing a classic case of isolation. They are not going to get rid of the CIA; they’re just going to make it irrelevant. Gradually, over time, the budget will sink and the national security financial resources will go to the other agencies. If this reading is correct, and we have to assume that it is, then I suspect that at some point in his first or second term, if Trump is re-elected, we will attend a major restructuring of the entire United States Intelligence.

The most interesting thing about your books is that you reveal organisms, groups and interests that citizens did not know about. You claim that Trump has interests with the Russian-Israeli Mafia. Who is what some call the ‘red kosher nostra’?

They are billionaires oligarchs of the former Soviet Union, all Jews, or so they say, which are related to the commercial activities of both the Trump Organization and the Kushner companies. Western media companies have been misinforming this important fact and have invented catchy phrases to distract attention, such as Russian hackers, Putin agents, Russian computer warfare and other pejorative terms for Russia. Nowhere in the scandalous propaganda about Trump’s criminal connections has it been heard: Russian-Israeli, Ukrainian-Israeli, Uzbek-Israeli, Baskiro-Israeli, Kazakh-Israeli or Kyrgyz-Israeli, and instead, billionaire gangsters and tycoons from the republics of the former Soviet Union dominate. the business empires of Donald Trump and his son-in-law Jared Kushner. That the media is not able to mention that the Eastern European mafia connected with Trump / Kushner is Jewish is so hypocritical that these same media did not recognize that the drug cartels of Sinaloa and Los Zetas are Mexican; Cosa Nostra, Camorra and ‘Ndrangheta, Italians; the Yakuza, Japanese, and the bands of the Crisps and the Bloods, African-American.

The global future that you foresee is the total economic collapse. Could you briefly explain when it will happen and where will it start?

The global future that you foresee is the total economic collapse. Could you briefly explain when it will happen and where will it start?

There are two scenarios. With Clinton we would have had another six or eight months of quantitative expansion with the issuance of unlimited amounts of cash. During that period, oil prices and markets would have risen and finally, in eight months, that money would have returned to the US market. That would have caused a very high inflation (above the current rate of stratospheric inflation) that would have burst all the bubbles of the financial markets (bonds, derivatives, securities, real estate, etc). The final result, the economic collapse, is the same with Clinton and with Trump. We are on the verge of a global economic collapse and the dismantling of the capitalist system. The only difference is that Clinton would have led us to a world war, which probably would have meant the end of humanity as we know it. Is war a way to forgive the debt? Well, no. With the war you cancel the responsibility, but the final result is the same; the planet Earth, as we know it, ceases to exist.

Then, you come to say that Hillary Clinton had unleashed hell. What will happen to Trump?

Then, you come to say that Hillary Clinton had unleashed hell. What will happen to Trump?

Donald Trump represents another scenario, which witnessed how Obama put the printing press in an inactive mode in 2014. Trump puts the national interests of the US first, focusing on improving the economy and getting rid of the huge debt. So how will Trump take over the debt? The theory is very simple: increasing the cost of the loans and canceling them as part of a bankruptcy process, since it will be impossible to deal with the debt that is accumulating. At that time, the US economy will begin to breathe. However, this will lead to the fall of banks that include this debt in their balance sheets as their main assets. In other words, Trump’s plans are an attempt to save the US economy at the expense of banks and the financial system itself. While Clinton would have tried to rescue the banks at the expense of the US economy and the growing impoverishment of its citizens. So it would be naive to think that they can reach a consensus. The plans of Trump and Clinton (or, rather, of the forces behind them) are incompatible. Also, if Trump goes ahead with his plans, he will wipe out the elites who support Clinton (Wall Street, hedge funds, speculative financial interests). They will remain alive – I admit that many things can happen – but they will lose the resources they used to have. Clinton’s plans would endanger the real sector of the US economy that brought Trump to power. As in the movie The Immortals , only one will survive.

A couple of days ago I read in the press that the EU warns that Russia is launching propaganda in Catalonia in order to weaken the Spanish state and thus, in short, the EU. If anyone knows what is true about that, it is a Russian counterintelligence exoronel, that is, Daniel Estulin. There is?

We have been in the US for a year with thousands of congressional committees and mass media investigating the alleged Russian interference. Result: a completely discredited Steele dossier. And two days ago, Bill Binney, one of the most legendary agents of the NSA and creator of its most sophisticated programs saying publicly that the hack was internal and that the Russians had nothing to do. Even so, the liberal / banker / financier forces are playing their survival and it will not be a problem to die by killing, that is, to bring the world to destruction via the third thermonuclear war.

Comfortable feeding or the “Comfort food” by Jamie Oliver

Jamie_Oliver_cooking I landed the other day by chance on the umpteenth TV show and, unlike what I usually do under these circumstances, I was more or less hooked . The reason was none other than the knowledge of its protagonist and driver, Jamie Oliver , cook who has already appeared on many occasions in this blog. The fact is that this guy is nice to me especially because of the importance he gives to the fact that we cook more ; not to mention his special workhorse focused on infant feeding .

Well, the issue is that I fell in front of his new program (at least I believe that new in Spain) called Comfort food and that could be translated as “the food that makes you feel comfortable”. Then, diving through the net, I checked that there is a web page about it (the one previously linked) and that there is also a homonymous book that completes the marquetiniana play. It does not seem bad to me … as long as it is observed with the proper perspective .

I mean, at least in the program, Jamie Oliver tries to invite the audience to spend more time (ours) to the kitchen . Not as a way to waste it but to invest it. Despite the fact that sometimes it does not use especially economic ingredients, it is necessary to recognize its concern to bring the recipes without any bullshit and every day to our televisions kitchens . That message ends up modifying our habits of life and is reflected in positive attitudes in front of the stoves and depends on each one.

In any case, I found it to be a frankly attractive program , in which Jamie captures succulent recipes that are relatively simple to make, although they are a little too focused on recipe books and British-style cooking . Anyway, I’ve always said the same thing, to me the recipes, either in a magazine, book or program, rarely interest me to do them at face value but to catch some idea that may be interesting, some trick, and so on. . I’ve already made it clear that pastry is not my thing.

The Aesthethic

Image result for aesthetic food

His aesthetic is very careful and breaks diametrically with these attractive sets and with those kitchens and glowing, if not dazzling, dishes to which we are accustomed by the programs of this style. On the contrary, an intimate, more or less disheveled aesthetics has been sought , with culinary processes outdoors, pots and utensils in general that seem to be taken out of a rake rather. Let’s say that it has been provided with a very folk, indie and homemade aesthetic … sometimes maybe a little exaggerated for my taste. And it is that, however much in your house you are supposed to be … Jamie, hell, take off that pair of anillacos that you wear when you love, stir and, in general, you dedicate yourself to manipulating the food with your hands. And is that home cooking does not have to be at odds with food safety. Home-made whatever you want … but not guarded.

Another issue is the recurring advice to some foods of ecological origin making it seem (or saying openly) that they are better … Well, besides that I do not share this perspective , with sincerity, once in this dynamic I do not understand why some foods do (ecological) ) and others not. You know, I’m more of closeness, a concept that also comes out from time to time.

For everything else, I already tell you that if you intend to cook what you eat (which I recommend) this program has seemed curious, entertaining and from which you can get some good ideas.

As an example, here are some tips from this chef on his Food Tube channel, with small lessons on how to make a good grilled steak , his “defnitive” tomato salad , and so on.

cash loan online loans show financial threats

The study loan, for example, already reveals its target group in the name, while a debt restructuring is attractive to all those who are not satisfied with their current credit conditions. Those who urgently need money can meanwhile take out a so-called lightning loan or express loan. Property owners, on the other hand, are able to take out a mortgage loan through a corresponding entry in the land register.

The most important forms of credit

The most important forms of credit

The decisive distinguishing features of personal loans, however, are the typical and maximum amount of the loan, the term and, of course, the interest rate. There are also individual features. These are the most important types of credit:

line of credit
  • Very flexible, claimable at any time by overdraft
  • Height: About two to three times the salary
  • Very high interest rates (on average over 10 percent)
  • If the money is paid out, the credit line is also a cash advance
installment loan
  • Very flexible, as on-demand loan, can be redeemed at any time
  • Height: about 2,500 to 50,000 euros
  • Changing interest rate (in the amount mostly between credit and installment credit)
Securities lending
  • Lending of the securities account, usable at will in appropriated form
  • Flexible, because on-demand loan
  • Credit without
  • Amount: Maximum 50,000 to 250,000 euros or 50 to 80 percent of the deposit value
policy loans
  • Lending the life or pension insurance
  • Height: Up to 100 percent of the current value
  • credit without
  • Interest rate varies widely between providers (between 4.5 and 8.7 percent)
  • Lack of eradication can tear gap in old-age provision
small loan
  • Small loans are all loans up to 5,000 euros
  • Usually quite uncomplicated available, also as Sofortkredit and quick loan
  • Interest rates vary greatly depending on the form and provider
  • Fixed income usually sufficient as collateral
  • Classic consumer credit
Online credit
  • Is often determined by credit calculator and completed online
  • Mostly uncomplicated processing, also as a quick loan
  • No individual advice on site, but the online loan is often cheaper
Private credit
  • Lender comes from the environment or is (partly anonymous) mediated – for example, via Internet platforms
  • Credit also possible without SCHUFA
  • Interest rate varies greatly, but sometimes cheaper than at the bank
  • Personal and social motives of the lender may play a role in the grant
  • Depending on the form as a quick loan possible
  • Often a small loan or several

Credit costs – you should pay attention

Credit costs - you should pay attention

There are several factors involved in the cost of a loan. If you want to assess whether an offer is attractive or not, you should consider the following:

  • Annual percentage rate: It is the most important benchmark and should not be confused with the nominal or borrowing rate. Using the APR, you can calculate the total amount that will ultimately have to be repaid in total.
  • Processing fee: A fee may already be due for processing your application.
  • Flexible interest rates: With long-term loans, in particular, interest rates are not always fixed for the entire term. Depending on the interest rate development, this can be prejudicial or disadvantageous.
  • Additional Fees: Even if you deviate from your credit plan, this may result in fees, such as an early repayment penalty for early repayment.

Online credit is often available at particularly favorable terms. Here, customers benefit from the costs that direct banks save by renouncing branches and personal advice.

Lenders: These are the options you have

Lenders: These are the options you have

The usual contact point for a personal loan is the bank – not for nothing, it is also known as a bank. From small loans to larger loans, it lends money in various forms. But the bank is not always the right contact person. This may be due to the fact that the conditions appear unattractive or that they denied a loan due to lack of collateral. For example, she usually does not give credit without proof of income. Two alternatives are the employer loan and the loan from private.

In the case of employer credit, the company acts as the lender. Of course, not every company is willing or able to do this, but in some industries – such as banking or insurance – this approach is quite common. It is important here that all modalities are contractually adhered to so that the loan can not be interpreted as a pecuniary benefit. If you are considering an employer loan, you should ask yourself whether you will continue to work for your company for the term – otherwise, the amount may be due prematurely.

With the credit from private, the donor comes either from the environment of the lender or offerer and prospective customer are mediated each other. For this purpose, there are now appropriate Internet platforms that offer the service for a commission. In this way, for example, a loan for the unemployed or people with a negative Schufa entry can be conveyed if they persuade their donors personally or with their purpose.

Credit without Schufa: Swiss Credit

Credit without Schufa: Swiss Credit

A special case is the so-called Swiss Credit. Named for its origin, it was initially characterized by the fact that he was awarded over 3,500 euros and 40 months of maturity at a mostly double-digit interest rate. Meanwhile, the term Swiss credit is often used for all loans granted without SCHUFA query. Another synonym for him is “Bon Kredit” after one of the most famous providers.

For people with a negative SCHUFA entry, Swiss credit is one of the few ways to temporarily borrow money. However, if the Schufa query does not fail due to appropriate collateral – such as the policy loan – Swiss credit is usually accompanied by very high interest or fees. This balances the risk of the lender. For this reason, it makes sense to repay such a loan quickly. An advantage of payday loan payday loan may be that it is often granted as a cash advance and thus grants anonymity.

Credit for the unemployed

Since the salary lacks the usual security, the jobs grant credit for the unemployed. Even recipients of a relatively high unemployment benefit I have problems obtaining a loan because the benefit period is limited and then the changeover to unemployment benefit II is imminent.

Some providers advertise a loan without proof of income or specifically a loan for the unemployed. However, they usually charge very high fees or require other forms of collateral.

However, there are alternatives to a real loan for the unemployed: if you have valuables, you can not only sell them, but mortgage them in the pawn shop – with the risk that they will be withheld if the repayment is not made. In addition, a loan for the unemployed is possible if someone else vouches for them. After all, unemployed people can, luckily, find a private lender to give them a loan. Those affected should, however, very carefully consider whether they want to expect in their situation the additional burden.

Credit insurance – protection against risks

Credit insurance - protection against risks

Regardless of how exactly the repayment is planned in advance, a loan is always associated with the risk that it can not be repaid as planned. A protection here offers the credit or residual debt insurance. It intervenes if the borrower becomes unemployed or ill. In the event of death provides protection for the bereaved.

Of course, a residual debt insurance also means an additional burden. Therefore, it should be carefully considered whether it is really necessary. With a small loan, or even with the so-called housewife credit, for example, they can be dispensed with. And even if other policies step in in an emergency, such as an accident or term life insurance, additional credit insurance does not necessarily hardship.

Chamber of Accounts detects irregularities and concludes that the management model of Calle 30 is harmful to public coffers

The final audit report of the Madrid 30 joint venture, issued on December 29 by the Chamber of Accounts of the Community, detects irregularities in the creation and concludes that the management model of this joint venture is harmful to the municipal coffers , has highlighted the City of Madrid in a statement.

According to the report, the privatization of the management model, which has already cost the City 554 million euros, was not accompanied by the necessary technical, legal and financial studies. In addition, the annual payment to the private partner is not calculated based on an economic feasibility study of the service, but based on a fixed yield of 7.053 percent.

Also, the Chamber of Accounts questions the maintenance of the subordinated loan of the awarded company due to its excessive cost and recommends its early amortization.



It also mentions the report that the City Council assumes the costs of the electrical supply of the infrastructure despite the fact that according to the list of administrative clauses the private partner should do so.

The City Council has already announced that it will take into consideration the report before the commission of inquiry that will analyze the management model of the Madrid 30 joint venture. The company is owned by the City Council, with 80 percent of the capital, and by the private partner EMESA, with the remaining 20 percent. The private company is formed by Ferrovial Servicios, Dragados and API Conservación.

The document emphasizes in its conclusions concepts that manifest omissions of the process of incorporation of the company or possible deficiencies detected in its activity and contractual scope. He comes to question the change of management model to joint venture, which is harmful to the municipal coffers, according to the document.

After the publication of the preliminary draft report on March 17, 2016, the document already ratified by the board of directors of the Chamber of Accounts verifies the most important conclusions and recommendations already known.

Madrid Calle 30 was created in 2004 and, at the end of that year, the Plenary Session of the City Council agreed to modify the form of service management, which went from direct to indirect through a mixed economy society. In August 2005, the tender was awarded in favor of EMESA. After the concession was established the financial economic model that had to be fulfilled during the life of the project, until the year 2040.



One of the most important conclusions of the report of the Chamber of Accounts states that the transformation of a local company into mixed, which implies a change from direct to indirect management model, must be based on a “comprehensive memory”, including technical studies, legal and financial.

These studies are not included in the documentation provided and analyzed in the file. This change in management model derives the high costs that the City of Madrid must assume while maintaining the current and that have been around 554 million euros since the constitution of the mixed economy company.

The oversight body notes that in the design of the provision of services the City Council did not transfer risks to the mixed society. Thus, the construction risk was transferred to the final contractor of the works, while the availability of remuneration is very limited because the economic model is based on guaranteeing income that covers all costs and allows obtaining sufficient benefits to distribute dividends that ensure the profitability of the partner’s services.



In addition, the Chamber of Accounts indicates in the opinion that the remuneration of the services of Madrid Calle 30 is not calculated based on an economic feasibility study of the operation of the service but on the basis of the profitability that the private partner must obtain from the contract , established in 7,053 percent of the sum of the capital contribution and the subordinated loan contributed by said private partner.

In practice, they stand out from the City Council, the profitability is much higher because the calculation does not take into account the compensation that EMESA receives from the Consistory through Calle 30 Madrid for the provision of maintenance and conservation services, which increased in 2007, going from 12 million to more than 23. The company that was awarded the bidding process raised the highest profitability of the four bidders.

In the recommendations section the report states that the economic model is harmful to the municipal coffers since, to maintain the profitability of the private partner and the corresponding distribution of dividends, the company must bear expenses derived from the taxes it must assume.

These taxes do not correspond to the amount actually allocated to the operation and maintenance of the road, but are the result of the economic-financial model.

The City Council annually allocates around 140 million euros to Madrid Calle 30 being the only annual source of income for the company. Of these, only about 28 million are destined to the maintenance and exploitation of the infrastructure.

The rest is destined to the payment of interest on the debt, distribution of dividends to the private partner, payment of VAT and corporate taxes, although a portion reverts to the distribution of dividends to the Madrid City Council. A large part of these expenses could be eliminated if one opted for another more efficient management model, highlighted by the Consistory.


On the other hand, the report shows that the subordinated loan from EMESA is an excessive cost, once the financing against the project has disappeared from the company as the financial debt and the investment were transferred to the City Council in 2011. The recommendation underlined at the end of the document of the Chamber of Accounts is to amortize this loan early.

Another of the resolutions highlights a significant discrepancy with respect to who should assume the cost of the electricity supply of the Calle 30 operation. According to the list of administrative clauses should be assumed exclusively by the private partner but according to the technical conditions who must pay the payment is the company mixed

To date, Calle 30 has been Madrid who has been supporting this expense: until the end of 2016 it has paid close to 55 million euros.

Finally, the oversight body emphasizes that there has not been sufficient preparation of the works contracting dossiers since they do not include the essential data of the execution project, nor does it refer to the status of processing of this document that defines the content and budget of the service that is tendered.

The Chinese central bank stimulates the economy with the largest injection in 3 years

The Chinese central bank stimulates the economy with the largest injection in 3 years

Three year Chinese Economy Revival

Three year Chinese Economy Revival

Beijing, Jan 26 (EFECOM) .- The People’s Bank of China (central) sought today to revive its slow economy with the largest injection of daily liquidity through market operations in three years, 440 billion yuan (67,200 million). million dollars, 61,800 million euros).

This measure, added to the three injections made since last January 19, caused an earthquake in the volatile parks of the country: the Shanghai Stock Exchange sank today by 6.42% at the close and Shenzhen’s 6.96%. %, while Hong Kong, a more mature and stable market, fell 2.48%.

Some analysts say that the large volume of liquidity introduced with the series of injections undertaken by the Chinese issuer in the last week has an effect similar to that of a cut in the cash ratios – the reserves that banks are obliged not to provide – .

The central bank of the second world economy channeled cash today through two types of reverse repurchase agreements (also known as “repos”), an instrument through which securities are sold conditioned on an agreement to repurchase them at a later date.

In particular, granted 360,000 million yuan (55,000 million dollars, 50,600 million euros) in “repos” to twenty-eight days and another 80,000 million yuan (12,200 million dollars, 11,200 million euros) in “repos” to seven days .

The “repos” to twenty-eight days have an interest rate of 2.6% and the rate of those who expire a week is at 2.25%, specified the central bank.

Some of these funds cover short-term loans offered the week that had already expired, but still represent an additional entry of 190,000 million yuan (29,000 million dollars, 26,700 million euros) in the financial system.


China’s Growth



 Since January 19 it became known that the growth of China’s gross domestic product (GDP) in 2015 was 6.9%, its lowest figure in the last quarter of the century, the issuer has carried out four injections of liquidity.

Already on January 19 it announced that it would introduce at least 600 billion yuan (about 91,000 million dollars, 84,000 million euros) into the market to increase the liquidity available for the lunar New Year holidays through three channels: ” permanent loans “,” medium-term credits “and” supplementary loans with guarantees “.

A day later, he injected 150,000 million yuan (22,900 million dollars, 21,000 million euros) into the money market through short-term operations and, last Thursday, granted “repos” at seven and twenty-eight days for a total value of another 400,000 million yuan (60,800 million dollars, 56,000 million euros).

The Chinese central bank usually injects liquidity into the financial system at this time to ensure that entities have cash for the lunar New Year holidays (celebrated this year on February 8), when an increase in consumption is expected.

However, the amounts introduced this year are much higher than those of previous years, since in 2015, for example, only lent 80,000 million yuan (about 12,000 million dollars, 11,000 million euros).

The chief economist of the Banco Popular, Ma Jun, said in an interview with the official Chinese Business Daily that these measures could be “a substitute for a cut in the mandatory reserve ratios”.

The analyst for China of the Swiss bank UBS Wang Tao explained, in a note to the clients, that the Chinese central bank is looking for alternatives to guarantee the liquidity of the market and maintain the stable yuan exchange rate.

A cut in the cash ratio could send too strong a signal to markets that China is easing its monetary policy, which, according to this expert, could put downward pressure on the yuan’s exchange rate and, as a consequence, aggravate the capital flight that drags the country.

I really do not know how there are people who still rely on

 I really do not know how there are people who still rely on

the absurd promises of no matter what supplement or food supplement to exploit this or that physiological condition . I mean losing weight, being smarter, aging later, getting sick less, looking more handsome … etc. with them.

The food supplements that I refer to are on the Internet, not infrequently in various publications and, of course, you can find them on the shelves of your supermarket, herbodietética or even pharmacy. They are there, lustrous, saying in their packaging (by law they do not have a prospect as such) that you (really what anyone) is wishing it to be true … what, in definitive accounts, we are eager to hear.

However, science as such does not support, by far, its salutary benefits and, in anecdotal cases that do, that it is recognized that “something is”, its effect is of a very small magnitude when compared with other elements, with other factors of your lifestyle, which do have a real significant weight in that condition that you are so concerned with improving (weight, memory, libido …)

But there is still more. Far from this unfortunate reality: what is sold for a specific purpose that has not demonstrated uncontroversially work … it turns out that, in addition, what the consumer gets with his purchase is not even far what the supplement says contain .

 that is exactly what I am saying. And I say at least based 

 that is exactly what I am saying. And I say at least based 

what is happening in the United States where the Attorney General of the city of New York has put this world upside down . Since it appears that this does not happen only in the case of Ginkgo biloba, but also most of these herbal medicines and buenrollistas prepared. And is that, hold on to the chair, after performing the appropriate analyzes four out of five supplements of this type did not contain, far from what they claimed to contain . Surprised? Well, hope that the best is missing.

It turns out that, in addition, they contained substances that could be harmful to certain people based on what they specifically said not to contain … and that it turned out that yes and yes … they did contain it. For example, some of these preparations said to be “free of” or “gluten free” and, after the analysis, it was found that a good part of its composition was wheat … so in plan to cascoporro. Ole.

And it is that the evidence that counts the attorney general of the city of New York suggest that most of the “remedies” phytotherapic, far from containing what they advertise, are composed of much cheaper ingredients , such as flour rice, or asparagus … or even plants for domestic use.

Does this happen in Spain?

Does this happen in Spain?

Damn the win I have to make amarillismo but, given the calico, the question that should be asked is there any reason why this situation was different in Spain? . I explain. Here, as happens on the other side of the Atlantic, this type of product is not required to follow the same protocols as, for example, if they have to follow the medicines based on their specific dosage, efficacy and safety. Come on, that the requirements that have to be met and nothing are almost the same. In addition, the controls to which they submit are much less exhaustive.