Monthly Archives: October 2019

Then you let go of the financial stress

Stressed over your financial situation? You’re not alone. Did you know that personal finance is one of our most common sources of stress-related problems? And before the summer, declarations, weekly budgets and interest rate increases are the last thing we want to feel bad about. That is why we have put together some thought-provoking and highly feasible tips for those who feel that your personal finances are there and gnaws there in the back of their minds:

 

Do not put your head in the sand

Do not put your head in the sand

A common reason for financial anxiety is that it is hard to think about your finances at all. It makes you feel bad and just feels worse. So just reviewing your situation, getting a long-term plan and of course paying your bills right when your paycheck is a good start.

 

Strike the expenses

When wages come into the account, we feel almost immortal and spread money without thought. With the consequence that the last days or weeks of the month become poor and emotionally demanding. Think through your expenses. Think through your slantry purchases: do I really need this? Both you and your wallet will feel better.

 

Collect your loans

Collect your loans

Do you have several loans, high interest rates and different lenders? Then you have an almost guaranteed path to financial stress. That’s where we at Lorace Ruffy can help you. We can help you collect your loans from a single lender. Why is it good? Well, having their loans collected means you can cut your interest costs and save money. In addition, you get a better overview of your finances, which is a prerequisite to avoid anxiety about the private economy.

Apply to collect your loans at Lorace Ruffy today to see how much you can cut your monthly costs.

Avoid financial stress right now! Click Here!

Credit for Business Startups – Business Loans

If the equity is not enough to finance the start-up, you can either look for investors, who then get a certain right to participate, or you can secure the additional capital needs through a loan. As an entrepreneur, we advise you on which financing options are suitable for you. From traditional investment loans and public funding to modern financial instruments – you have many options. Which banks grant a loan for entrepreneurs with credit bureau entry? Loans for business founders without equity “Find out about AWS subsidies and promotional loans and also secure start-up loans!

Online loan for self-employed and start-up companies

Online loan for self-employed and start-up companies

Especially for entrepreneurs, self-employed and start-ups, it is usually difficult to get a loan from a traditional bank. Whether it is a loan from a large number of private lenders, such as crowd lending at the Fokoloer or the Plaunt, which can be applied for via Frontkos AG – there are financing options here.

If the equity capital is insufficient to support the creation of a business, you can either find investors who then have a certain right to participate, or you can secure the additional capital requirements with a loan. Anyone who decides to take out a loan as a donor, for whom the online loan can be a good choice – the classic is often out of the question, since start-up founders at banks are usually considered very risky and therefore uninteresting.

The application process is usually relatively simple and quick – especially in contrast to traditional bank loans. Another advantage of having a loan through an online platform is certainly the possibility to finance even small sums, since the processing costs for an online loan are as low as possible.

An online loan can often be cheaper in terms of terms than the famous mortgage loan.

An online loan can often be cheaper in terms of terms than the famous mortgage loan.

Here we have summarized the main job offers for entrepreneurs, freelancers and young entrepreneurs. In this way, you can quickly find the right product for you: this is an online platform that involves both private lenders and borrowers. The award-winning online lending platform, which has already provided more than $ 100 million, typically has several investors co-financing one loan project each.

Therefore, this type of online loan is often referred to as a mass credit, since the amount is sufficient for a particular project. This online loan is especially interesting for business start-ups who do not have a large financial need but still need credit. Credit institutions usually lend very unpleasant credit claims to the self-employed and if, then only if they continue to provide collateral and the loan amount is relatively high.

Another advantage of the crowds’ online balance is that a project can be terminated relatively quickly, thus saving a long processing time. Main figures for Auxmoney: The online loan of Fokoloer is conceptually identical to those of Auxmoney. However, the support group focuses on already established companies that have capital requirements for working capital or an investment loan.

Accordingly, this online loan is particularly suitable for small and medium-sized businesses. Nevertheless, this online loan is also paid by the amount. In other words, several investors are involved in financing a loan project. For this online loan, it is like ours that the corresponding loan project is rendered in a convincing, detailed and meaningful way.

Most important figures for the online loan of the Fokoloer: The cheapest loans for start-ups and start-ups are usually offered by the development banks. However, applying for a loan is not an easy task. That’s why for-founders have. Fe and Pouyr have entered into a cooperation agreement aimed at promoting start-ups and young companies.

A credit balance can be requested quickly and easily via Frontkos Banks via the Internet. Within a short time you will find out if and under what conditions a promotional loan is suitable for you. The credit will be made through your iwoca customer account. Depending on the loan amount you have to provide and load different documents, eg the current BWA ‘s or account statements of the previous months.

The credit decision is data-driven, it takes a few hours to make the credit decision. The loan will be repaid within 12 years. Any business founder who has been in the business for more than 4 months and has a turnover of more than 10,000 USD and whose company is registered in the Federal Republic, can submit a loan to us.

Before applying for a loan on the internet, you should calculate the monthly interest and repayment in advance. If you want to calculate your online balance in advance, you can take advantage of our free refund calculator.

So you survive Christmas financially

Christmas shopping can be an expensive story, especially when a large part of the bill comes in January. So it is important to determine in advance how much Christmas will cost. Here are some tips on how to get the most out of your Christmas budget.

 

Christmas trade in numbers

Christmas trade in numbers

But first, a few words about the Christmas trade, which begins at the end of November / December. In 2017, this meant additional sales in trade of $ 16 billion, ie $ 1,600 per Swedish. The stores take on 15,000 additional employees. Best sells toys and then the bookshop, goldsmiths and electronics retailers.

 

This year’s Christmas present

christmas present

Every year, the Swedish Trade and Industry Institute awards this year’s Christmas present. This started with the baking machine in 1988. It has since been about everything from the mobile phone (1994), the book (1999), the DVD player (2000) to the nail mat (2009). 2017 became the electric bike. This year’s Christmas present is the recycled garment.

 

Christmas savings tips

Christmas savings tips

  • If you are going to travel to family and friends over Christmas, then it is important to book your tickets on time to get the best price and to get a seat at all. Bus can be a cheaper alternative to the train, although it is not as convenient.
  • One third of Swedes buy their Christmas presents online. It can be a great way to find the best prices. At the same time, it is convenient to have things run home when it works. But be sure to be out on time, as it often intertwines with deliveries and delivery as Christmas approaches.
  • Use price comparison sites and browse the various companies’ websites before deciding, especially if it is about capital goods.
  • Be sure to save receipts and packages when shopping online. They may be needed if you need to use the warranty or if you want to return an item. Remember that you automatically have 14 days right of withdrawal when you buy online.
  • Keep an eye on the bills if you shop for invoices online. They are often paid fairly quickly, sometimes even after 10 days. If you miss it, you may suffer unnecessary reminder fees.
  • Should you shop in regular business, try to take time off and do it during the daytime on a weekday. Then it is less with people, less stressful and you get more reflection time. Then you have more opportunity to keep track of the money. And be sure to be out on time, before the worst Christmas rush.
  • If you are in need of money, agree with your loved ones to cut down on Christmas presents. For most people, Christmas food, decorations and Christmas music are still more important than presents.
  • Do not buy more Christmas food than you will do away with. It is unnecessary and expensive to throw away food. Should you need to replenish, most stores are open again in the days. Bet on what’s good and popular and skip those things you buy for the Christmas table just for the sake of sight.
  • Take the opportunity to cook and freeze if you are still doing such things as John’s temptation, meatballs, lice cats or homemade bread.
  • Christmas is a great opportunity for cheap entertainment such as playing party games, reading a book, walking or stretching on some good TV series.
  • Keep in mind that much can be cheaper during the mid-day sale. A gift card can therefore provide more value for money than a regular Christmas present.

 

Facts box Swedish Christmas shop

Facts box Swedish Christmas shop

  • In 2017, the Christmas trade meant additional sales of approximately $ 16 billion.
  • In total, the Christmas trade has a turnover of approximately $ 79 billion.
  • The total Christmas trade gives more than $ 25 billion in tax revenue.
  • The biggest upswing in the Christmas trade is in toys and then for the bookshop, goldsmiths and electronics retailers.
  • The trade takes in 15,000 extra employees for the Christmas trade.
  • Every third person buys a majority of their Christmas presents online.
  • Every fourth consumer buys Christmas presents from foreign online retailers.
  • Half of all Swedes buy their Christmas presents locally in stores in the locality where they live.
  • 71% of Swedes are happy to give Christmas presents and 57% to receive presents.
  • Christmas food, decorations and Christmas music are what most people consider important for a real Christmas.
  • For Christmas, approximately 5,400 tonnes of Christmas ham are sold for a value of $ 435 million.