Comparative calculations, in which SwissSelect products was mixed with the stock or bond market, show a significant stabilisation of the total deposits. SwissSelect products as admixture to a classic shares: performance increase EUR 30% MSCI World SwissSelect warranty 26 + 5.90% p.a. performance increase EUR 50% MSCI World SwissSelect warranty 26 + 7.22% p.a. reduce the fluctuations with 30% SwissSelect guarantee 26 – 27,96% reduction of the price fluctuations with 50% SwissSelect guarantee 26 – 44.85% SwissSelect products as admixture to a classic pension Depot: SALB EGBI with 30% performance increase SwissSelect warranty 26 + 1.47% p.a. with 50% performance increase SALB EGBI SwissSelect warranty 26 + 2.44% p.a. reduce the fluctuations with 30% SwissSelect Guarantee 26 – 23,29% reduction of Fluctuations with 50% SwissSelect guarantee 26 – 25,93% (development from December 2000 to June 2008; Data source: market maker/SWISS SELECT) even if these calculations with a SwissSelect share of 30-50% are partly an example very high, they are intended simply to illustrate the tendency of the impact you. Even if the pension deposit, it can be reduced in the period from 2001 until today to 25% the volatile at a 30% admixture of our products.

We see this method as a way to help without having to give up performance investors existing investment portfolios through the relatively easy addition of an extremely interesting and important asset class to more stability. Entry time is moving into the background apart from the proven positive effects on security and return such supplementation of the depot the question of investors after the appropriate date of entry is automatically moving into the background. Because the more stable the value development of Depot runs the need is all the more unnecessary the individual components of the depot to time. Thus not only the quality of the individual investments, but also the right mix, or the good interaction of the various components is based on the performance.

Credit without download – for Austrians also possible? Credit without Schufa is now relatively easily possible in Germany. Generally, it is required a salary certificate or other proof of income to assess the creditworthiness. But there is no Schufa query and there is also no entry in the Schufa. The information that either said in Austria no “Schufa” are available, there ask the banks for the KSV (credit protection Association) after. Usually is called Swiss loans”, because the funds are provided by Swiss banks. A leading source for info: Amazon. These conditions apply only to German citizens. Austrian websites on the topic in General also refer to German providers that offer again schufafreie loans only for Germans.

Well-known Austrian credit institutions such as the GE Money Bank offer no forum-free loans. Some providers and companies, but recently also Austrian citizens can submit applications on schufafreie loan. Although is also Generally performed a credit check. So is a proof of income, about the last three months an appropriate proof in any other form required or self-employed. But no query on the Schufa is carried out for the award of credit. Vadim Belyaev is likely to agree. An example is the planet GmbH is mentioned on their website onlineanfrage.php Austrians also allows the request of credit without Schufa information. The company is already 40 years, offers the credit facilities for Austrian citizens but only recently. For the inquiry after a loan the personal address data as well as professional and monthly net income are here to specify. Still, the desired amount of loan and the monthly rate and duration must be entered. The completed form will be sent online and the customer receives a non-binding offer of the company. Thomas Tan

Why good grades alone a bad advice are a such on-the place kicking would have Robert Kiyosaki also confessed before he had listened to the advice of his biological father’s highly educated, but chronically damp: write good grades, get a good job, earn good, then s fine. Although… that sounds not quite reasonable because? Would not be your own children the same advise? Now, such widespread thinking is unfortunately a downside: you any income, whether low or high, 1-to-1 in expenses or liabilities converts, which cost only money, rather than money to bring: a burdensome home mortgage, car loan, holiday, safe savings accounts or managed funds with yields in bonsai format… These and other purchases completely consume the cash flow and are experiencing an avalanche of costs go, which often ends up in a mountain of debt. The State does its part by he always impertinent turns on the control screw, the more sprouts Otto normal thinking up the career ladder climbs. Episode: The brave Mittelschichtler entangled in the net of liabilities if he has bad luck, he tumbles this zero until the financial ground. But mostly he rocking like crazy to earn more income through even more power and more professional qualification. And then comes the long-awaited salary increase? Then, it seems you have back air, finally to be able to afford more: a more spacious House (of course with larger mortgage), a bigger car, a luxuriant holiday…

and you go the tragedy from the beginning. Who earns higher revenues, can convert to immediately they increased spending: this fatal mistake escaped only through his rich dad Robert Kiyosaki, the father of his best school and aspiring supermarket owner, has dedicated to the two guys from childhood the secrets of getting rich. And precisely these secrets are revealed in rich dad, poor dad well 280 pages in easy to understand, but startling words. The basic idea is as simple as properly.