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Are you interested in a home equity loan? Loan entirely without proof of income or with a small income? With or without Schufa? From a bank or private lenders?

The provider market for home financing is very non-transparent in the area of increased affordability, says Moneypark. Because in many cases it is not known which providers finance under which conditions. Disclosure of financing terms by providers alone would significantly improve transparency and thus access to mortgages.

It is the second insolvency procedure for Galeria Kaufhof within two years. Now the company has talked about its plans and explained what conditions a store will need in the future.

As early as June 2020, the threat of. The department store chainGaleria Karstadt Kaufhof had to close 62 of the 172 stores across Germany, as echo24.de had reported. Now the next bankruptcy shock for all employees. And this time it might not just hit the Heilbronn store.

Cyber criminals are constantly evolving COVID-19 phishing scams to exploit what people are most concerned about right now.

Key points

• While every organization you've ever dealt with emails you about their coronavirus plans, email phishers are pushing billions of similar-looking emails into the round.
• They exploit your users' feelings of fear and insecurity.
• Security professionals should advise their employees not to click on emails and to send them obviously legitimate messages on a regular basis; the best way to do this is to have a single intranet page/source with company news on the corona virus.

Whether it's a small or large business, security professionals around the world should urgently warn their employees about the rapid increase in coronavirus -related email scams phishing scams and show them how to avoid infecting their networks.

For foreigners there are several ways to live legally in Spain, but without a doubt the Golden Visa or Residence by Investment is the fastest way to settle in Spain. So at Lawyers & Accountants, you'll learn everything you need to know about the Gold Visa: what it is, what benefits it offers, how to apply for it, etc.

The answer to this question is simple: all persons liable to pay tax in Switzerland must submit this declaration of their income.

Your IPhone is a handheld powerhouse, but it's not immune to a little overpowered. After all, how many websites do you surf through every day? Even behemoths like the New iPhone 14 Pro and Pro Max can get bogged down if you don't optimize them. One of the easiest maintenance tasks is clearing your iPhone cache each month.

Believe me, I understand. We all have a laundry list of things to remember each month. Pay your rent or mortgage. Give your home a more thorough cleaning than the weekly one. Talk to the person you wanted to talk to last month. These little tasks add up, making them easy to forget about. However, this is such a small task that you can do it in seconds after reading this guide.

Especially the last few years show that more and more people have the desire to own their own home. You want to create your own empire, be independent of landlords. But what about the equity? How much should be available for the purchase of a house? How much equity for house purchase should be on the side?

Why do you need equity to buy a house at all??

Gasoline costs, expenses for public transportation or for work equipment are among the usual items that taxpayers declare in their annual tax return. If the tax office accepts these expenses, significant tax reductions can be obtained. As an employee and also as a self-employed person, you will then receive an attractive tax refund depending on your tax rate and the tax paid. However, many taxpayers forget to include the bank products in their annual return and thus forego the refund of further overpaid taxes. Among the most important items are the expenses for your current account, for your credit card and for loans.

Current account and credit card are the classics

Account management and credit card fees are among the most common costs that you as a bank customer have to pay for using services. Only a few banks still offer a checking account or credit card with no fees at all. In view of the low interest rates on the capital markets, many banks are moving to offer these services only for a fee or to significantly increase small out-of-pocket expenses already charged. As a bank customer, you can recoup some of the costs paid by claiming them on your tax return to reduce taxes.

Finding the right bank for construction financing is a major challenge for many people. Usually numerous appointments are made with different credit institutes, which take up much nerves and time. Often it is only a matter of the one decisive question: