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Senior citizens in Germany have a lot to spare, especially the formerly self-employed and senior civil servants do not have to live in poverty in old age. While entrepreneurs often have to live off their savings in retirement, other senior citizens can leave their assets largely untouched.

Germans have made provisions for old age – mostly in the form of residential property, securities, life insurance and savings deposits. At least, that's what a look at the assets of the population beyond the legal retirement age shows. Even among unskilled workers, each retiree has an average net worth of 67.000 euros, although there are large deviations upwards and downwards.

Higher qualifications in working life, higher wealth in old age

Not all construction loans are the same. Even in times of low interest rates, customers should not forego the most accurate possible comparison of providers and offers for real estate financing. Construction financing is a very long-term contract whose term can extend over several decades. So it's not something you can just do on the side, even if interest rates are at an all-time low.

Interest rates on a downward slide

The ongoing financial and debt crisis also has its good sides. This applies at least to prospective builders and their house financing. Due to the low key interest rates of the European Central Bank, mortgage interest rates are still at a level of around 3% based on a term of 10 years. Financing of less than 50% of the total investment amount even settles well below this mark for the same term. This is the best way to start building or purchasing a home as soon as possible.

Well bound – much saved

Particularly important in such times are as long as possible fixed interest periods. Loans with 15 years term can be requested already with interest rates of only little more than 3%. This not only grants builders comparatively favorable construction financing, but also a high degree of planning and calculation security with regard to their own budget. For comparison: Who decided in the middle of the 90's for a real estate financing, was allowed to rake up still up to three times the value of interest with these running times. Also still longer terms of up to 20 years can be worthwhile at present still. And despite the binding to the debit interest rate, it is still possible to cancel the construction loan after the 10. Year with six-month period of notice in whole or in part to terminate. High interest phases can be avoided thus in view of the follow-up financing in this way skillfully. Either a more favorable interest rate is found or it is financed evenly with the old one further.

The occupational pension plan from the 2. Pillar is the most important component of retirement income for many people. But their importance is underestimated. This has consequences, as a recent study by Zurich Switzerland and Vita shows.

For most of us, occupational pension plans (BVG) represent an important part of our personal assets and a large share of our income in old age. Because there, every working person saves, on a collective basis, but for their own pension. But a majority of the population does not know this, according to an important result of the current "Fairplay" study: For the second time, Vita Sammelstiftungen and Zurich Insurance Company, together with the research institute Sotomo, have arranged a representative survey of 1,600 people.

Half perceive LOB contributions as a fee or tax

According to the authors, one indication from the first study was clearly confirmed: Because BVG contributions are deducted directly from wages, many people see them as a kind of tax or levy. Although BVG payroll deductions are paid into personal retirement accounts, only 47% of working people perceive them as an investment in their own retirement capital. 28% see it as a kind of tax ("contribution to safeguarding pensions in Switzerland") and 21% consider it a fee that has to be paid. But this ignorance weakens the basic idea of occupational pension provision as saving for one's own old age. This is also unfortunate for employers, they say. After all, they finance at least half of our contributions. "Employees can only be aware of this benefit if they recognize in the BVG an investment for their own old age", conclude the experts.

In Texas, the top five auto insurance companies, by market share, are State Farm Mutual auto insurance company, Progressive Mutual Insurance Company, Farmers Texas County Mutual insurance company, Allstate Corporation (NYSE: ALL ALLAllstate Corp99, 18 + 0, 09% Created with Highstock 4. 2. 6 ) and GEICO.

Companies in the auto insurance industry bring in billions of dollars in premium payments each year. They increase their income by investing the premiums they receive. Auto insurance is essentially protection purchased for any type of road vehicle, including trucks, cars and motorcycles. The insurance provides financial protection against physical damage to vehicles or property damage and bodily injury that may result from collisions. Insurance can also provide financial protection against things like vehicle theft or damage caused by events other than collisions. Self-insurance regulations, particularly with regard to minimum amounts of insurance for bodily injury and property damage, vary from state to state.

State Farm Mutual Auto Insurance Company

In Texas, State Farm is number one, with more than 17% market share for auto insurance. The company is also listed on J. D. Power and Associates ranked No. 1 in overall customer satisfaction. State Farm owes much of its success to providing a wide range of services. In Texas specifically, State Farm has gained a significant market share lead, one it has never lost, operating in the state since the 1930s, longer than any other large auto insurance company. It provides financial and insurance services to customers in the United States and Canada. Its products include auto, homeowners, health and business insurance. All of the company’s insurance products are sold through agents. The company also offers a range of banking products, including checking and money market accounts, credit cards, IRAs, mutual funds, mortgages and equity loans.

Manufactured homes offer builders with handyman skills a good opportunity for affordable home ownership. This is because, unlike conventional construction, these are prefabricated homes where you, the owner, are responsible for all or part of the interior finishes. This makes the financing requirement much less than other construction projects. Still, it usually doesn't work without credit.

Indispensable – equity capital

However, adequate equity capital should also not be dispensed with. Equity capital reduces the financing risks of a building project, since it is available for an unlimited period and no interest and repayment obligations arise. Experts recommend an equity share of at least 20 to 30 percent for house financing. Many banks also count on this. With development houses the furnished own contribution can be credited as replacement for missing own capital funds. Therefore less own means are necessary here than otherwise usual.

Classic – the building savings contract

A classic construction financing product that combines equity and loans is the building savings contract. In doing so, capital is systematically built up through regular savings. In addition, a low-interest loan can be used when the contract is ready for allocation. The conditions are already fixed when the contract is signed. Building savings contracts are therefore reliable in terms of calculation and form a solid financing building block. State subsidies can also make them attractive from a yield perspective.

Lifestyle creep is a problem because it can prevent people from saving the right amount they need for retirement or emergencies.

• Lifestyle creep is the common pattern of spending more money when you earn more money and getting used to higher levels of luxury and convenience as your new normal.
• Lifestyle creep typically occurs after someone gets a raise, a new job with a higher income, or pays off debt.
• The biggest sign of lifestyle creep is a lack of savings for emergency or retirement funds.
• Read more stories from Personal Finance Insider.

You may think that a raise means you have more money in your bank account, but that's not always true. In fact, a lifestyle creep can leave you with less money on hand.

Lifestyle creep or lifestyle inflation is extra spending after your income increases. For example, if you get a new job that pays you 20.000 more per year in net pay, but decide to buy a (non-essential) car for 30.000 U.S. dollars to buy, you have more debt than you did before your salary increase. Lifestyle creep can take place over a period of years, making it difficult to detect – unless you've maxed out your budget.

A negative equity mortgage occurs in cases where the original value of a home used to secure a loan is now less than the outstanding balance on the loan.

Negative equity mortgage: Can I still refinance?

A reader recently wrote a great question. It went like this:

I want to refinance, but my home (along with everyone else) is worth less than before. You say my loan-to-value ratio is too high.

Klagenfurt (APA) – At the Regional Court in Klagenfurt, a new chapter in the series of trials surrounding bad loans of former.

Klagenfurt (APA) – On Thursday, a new chapter in the series of proceedings concerning bad loans of the former Hypo Alpe Adria was opened at the Regional Court in Klagenfurt. It is about the financing of a tourism project on the island of Jakljan near Dubrovnik. The then Hypo board member Gunter Striedinger is accused of embezzlement; the damage is said to amount to. Euro amount. Striedinger pleaded not guilty.

The public prosecutor accuses Striedinger, who is in criminal custody because of other Hypo cases, of having granted a loan to the Croatian tourism entrepreneur and Hypo VIP customer Goran Strok in 2005 for a bid guarantee in the amount of 300.000 euros for the purchase of land on the island of Jakljan without collateral and without consulting the Supervisory Board.

The Middle East region& North Africa has experienced exceptional growth for 17 years. Fadi Barakat of Reyl Finance in Dubai sees great progress in the countries of the Middle East, which have about 50% of the world's oil reserves, potent sovereign wealth funds and now major financial centers.

The Dubai International Financial Center (DIFC) is the leading location for the wealth management industry in the Middle East region& North Africa (MENA) and has been experiencing exceptional growth for 17 years: at the end of 2020, a total of 915 financial firms were active, 303 of which were in the FinTech and innovation ecosystem.

Before diving deeper into this matter, it is worth highlighting the importance of the region on a global scale: The countries of the Middle East have about 50% of the world's oil reserves. "This precious commodity has helped amass significant wealth. In the Gulf Cooperation Council (GCC) alone, sovereign wealth funds hold an estimated 2.5 trillion. USD", stresses Fadi Barakat, Chief Investment Officer at Reyl Finance (MEA), Reyl Dubai.