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Save money as a family

by admin

Do you have a family and are you always looking for the best ways to save money as a family? These apps help you save money immediately!

Saving money as a family is not easy

Saving money as a family is not easy

If you have your own family, you will be surprised every month how much money will be spent on maintenance, fixed costs, outings and extras for the children. It is therefore important to pay attention to your spending pattern and to save where possible. The handy and free apps below help families save money!

Save money as a family with handy tools and apps

Save money as a family with handy tools and apps

Reshopper is an app that helps you to buy and sell child-related items. Think of children's clothing and toys for example. By buying second-hand you are cheaper, and you can also buy items that you no longer use or clothing that your children have grown out of and buy something extra on it. A kind of Marketplace, but for families!

Simple skills such as counting, weighing and handling money are central to this app. This way your child can playfully learn how to handle money and how much you have to spend while shopping, for example. Learning young is done old!

This way you can easily keep track of what you need or collectively keep your shopping list. This way you prevent that you take more than you intended or forget your stuff and have to race to the supermarket again (and buy more than you intended!) This way you ultimately save money and spend time efficiently!

Help! Is a Game app that teaches children about money, banks and everything that has to do with money matters. This makes it even easier to discuss these topics with your children.

The app Grandma knows advice helps you with all sorts of chores and facts about the household. This way you avoid having to throw clothing away due to stains or holes. Not only do you have to throw away less (a waste!), It also saves you money if you don't have to buy these items new.

Arrange your money matters and save money as a family

Arrange your money matters and save money as a family

In addition, there are many apps that help you manage your income and expenses. Often very useful if you have no insight into how much you actually spend in a month. Most apps send you a reminder when you have reached a maximum amount within a certain category, so that you don't mindlessly spend too much. They also keep track of how much you can still spend and indicate whether you are above or below an average compared to other app users. You can also often find offers with these apps and link the app to your accounts, so that your money matters are read directly by the app. That way, it takes you little time to keep track of your money matters! Budgeting is often useful as a family, so you have a lot of money left to do fun things with your family

Looking For An Apartment Or Applying For A Mortgage Loan? Where To Start?

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If you have already made the decision to go live alone, the first thing you should ask yourself and answer is where you are going to live. For this, you have many options: go with a friend to your apartment, rent alone or with a Ronny or buy a new apartment or house.

The most advisable is the third option since you will be acquiring a heritage for the rest of your life. If you are also interested and want to acquire a property, you will most likely require a mortgage loan.

 

Looking for an apartment or applying for a mortgage loan?

Looking for an apartment or applying for a mortgage loan?

A mortgage loan is a loan that the bank will make for the acquisition of the property. But ... What is the first thing you should do, go find an apartment or apply for a mortgage loan?

The first thing that comes to mind is that you should look for the department and then go to the bank to see if they lend you the necessary amount to buy it. We do not recommend this! Ideally, you first know how much money the bank is willing to lend and based on that information you go out to find your new apartment.

 

Scope of your credit

Scope of your credit

Doing it this way, you will know in advance what is the scope of your credit and you will better define the departments that are within your reach. In this way, you will avoid wasting your time looking for thousands of departments that in the end you will not be able to acquire because your credit turned out to be lower than you had thought.

Similarly, if you have a stable partner and want to access a greater credit capacity you can apply for a loan to buy joint house. Now, if you have doubts about it and need advice. Call us! Our team will gladly advise you at every stage of the process. In this way, you will get the mortgage you need to buy the property of your dreams. Contact us now!

Three aspects that make cancer insurance cost more expensive

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Although cancer is already known to be one of the leading causes of death in the country, there are still many people who doubt when looking for cancer insurance. Most people think that it is enough to have health insurance, but the truth is that the benefits and care provided by cancer insurance are different from those offered by any other type of insurance.

But if you already embarked on the search for cancer insurance, something you should keep in mind is that the price may go up or down, depending on some factors you have to do with the profile of the person who hires it and with the benefits you are looking for:

The age

The age


There is a big difference between hiring insurance at age 20, than doing it at age 35 or 40. The older you are, the chances of getting some type of cancer increase, so also the cost.

If you smoke or not

If you smoke or not


The cost of insuring a smoker is much higher than insuring someone who has never tried a cigar. Something important to consider is that it doesn't matter if you smoked years ago and if you do it occasionally, insurers still consider you as a smoker.

The coverage

The coverage


There are insurers that offer unlimited coverage, but logically, it costs a little more than the classic coverage that has a limit amount per person.

In addition to these factors, if you are looking for some additional benefits, such as the possibility of obtaining treatments abroad, or access to other types of therapies, they could represent an additional cost. The important thing is that before choosing, take the time to compare the alternatives and see which one meets the ideal characteristics for your profile.

Do you want to compare the different cancer insurance? You can do it in Good Finance.

4 situations where credit card payment is worthwhile

by admin

Finns own more than 9.7 million debit cards, and increasingly, debit cards are a combination of debit and credit cards. Whenever you make a purchase, you don't have to think about which side of the card to make the payment for, or alternatively, many of us always automatically rely on the card's bank.

However, there are situations where you should pay for your credit card purchases, and there are also situations where you are more sensitive to pay by credit card. Today we present the situations where credit card payment is recommended!

Credit card should be used for:

Credit card should be used for:

1. Purchase flights

Buying flights with a credit card makes a lot of sense compared to buying flights using a debit card or bank transfer. First of all, if you were to be so unfortunate that the airline would go bankrupt, it is possible to recover the price of a credit card paid airline ticket from a credit card company.

Second, many credit cards include travel insurance. As a rule, credit card travel insurance is valid if the trip is fully or partially paid for by the credit card providing the insurance. In addition to being ill on the go and luggage, credit card travel insurance often also covers cancellation. Using credit card travel insurance saves money when you do not need to purchase insurance from an insurance company separately.

2. Online shopping

2. Online shopping

With online shopping, a credit card is a much safer option than a traditional bank transfer or debit card. A credit card provides security for your shopping in many ways. For example, if the purchased item does not arrive or does not meet the seller's description, you may be able to claim a refund from the credit card company.

3. Making expensive purchases

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Paying with a credit card is advisable when making expensive purchases, whether it's a new smartphone or a new sofa, many credit cards include purchase protection insurance. Purchase security insures the products you pay with your card for breakage and theft, and in some cases, for loss. Watch the video below on How Purchase Security works!

4. Everyday expenses

4. Everyday expenses

While it is always said that basic everyday needs should not be bought as a debt, paying with a credit card for casual shopping can still make sense if you pay your credit card bill wisely. After all, we all spend the most money on everyday life; grocery shopping and car expenses, for example. For this reason, it's a good idea to take pleasure in payment methods and reward points, for example, when making everyday purchases.

However, paying on a credit card for casual shopping is only appropriate for a responsible cardholder who is not prone to waste. When you pay by credit card for everyday expenses, you must pay the credit card bill within an interest-free payment period so that the benefits are not canceled when the credit begins to increase in interest.

Choose the cheapest car title loan now!

by admin

Quick loan

Quick loan

It was Credither that was the first to lower its rates for a green car loan to under three percent. As a result, you can now take out such a green car loan here at an interest rate of 2.8 percent. For a classic car loan you pay at Credithera 2.95 percent. This applies to a loan of 10,000 euros with a term of four years. OutBank, Melibank and SDE are just above that, some banks and lenders are even more expensive. You have to be careful, because some banks and lenders are completely aloof from this price war and maintain their rates from before the motor show! So if you look out for a loan of 10000 euros over four years, you will quickly gain 1500 euros between the cheapest and most expensive banks and lenders. Nobody should be surprised that interest rates on car loans have reached such a low point. Not only car loans but all other loans are remarkably cheap. As is the case every year around the motor show, it is also expected that interest rates for car loans will rise again after the show. 

Extra tips for the cheapest car loan

Extra tips for the cheapest car loan

The question is what to look out for in order to take out the cheapest loan for your new or used car?

  • Monthly payment: keep in mind during your search for the cheapest car loan that the lower your monthly payment, the greater the chance that you will be confronted with additional obligations afterwards. Before taking out your loan, check whether you are not required to put an important amount in cash on your 'cheap' car loan after a few years. Be sure to check whether you are not obliged to finance a new car with the same bank or lender after paying off your cheap car loan.
  • Installment loan: if you are looking for a cheap yet reliable car loan, you can choose between two formulas. Every lender (including the banks) will initially propose an installment loan.

The obligation to pay an advance of at least 15 percent for a loan for your new car was abolished not long ago. However, this does not prevent the lender from requesting an advance.

  • Advance payment: even though it is no longer mandatory to pay such an advance payment, it is advisable to pay an advance payment. As a result, you can usually claim a lower annual cost percentage (APR).
  • Balloon credit: the majority of car dealers now offer a variant of the installment loan, the so-called balloon credit that is being taken over by more and more banks and lenders. Such balloon credits seem particularly attractive due to their lower monthly repayments. At the end of such a balloon loan, in most cases after 48 months, you still have to cough up an important amount, the famous 'balloon'. Which formula does your lender use? If no alternative is proposed in the loan agreement, then such repayment applies. In most cases you will be given the choice between paying this 'balloon amount' in cash or returning your car and a new fiancier from the same brand. Your 'old' car must then be well maintained and certainly not damaged, or the car dealer will refuse to take it over.
  • Leasing and renting: less suitable for private individuals due to too expensive. With renting and leasing, you do not pay off the borrowed amount according to a predetermined and strict schedule. With renting and leasing you can pay back 'at your own pace'. You soon end up in a debt spiral that is extremely difficult to break.
  • Competition: there is fierce competition between banks and lenders in the area of ​​car loans. Make good use of it and play this competition to the maximum before you make a decision.
  • Free credit: free credit does not exist. When the dealer comes up with a free credit, he may not be paying you a takeover for your old car. Free credit often turns out to be the most expensive.
  • MegaLoan: Meanwhile, the interest at MegaLoan has dropped to just 2.95 percent!

What is a mortgage loan for non-resident Peruvians?

by admin

If you are one of the many Peruvian citizens living outside of Peru, you have the option of applying for a special mortgage loan. Here's what a mortgage loan is for non-resident Peruvians.

What is a mortgage loan for non-resident Peruvians?

What is a mortgage loan for non-resident Peruvians?

It is a mortgage loan aimed at all Peruvians who, residing abroad, require financing to acquire a property in Peru. It is a product that is currently used by many Peruvians living outside Peru, to invest in this country.

With this figure, it is not necessary for your direct family members to act as owners and debtors of the credit. This is because it allows you to be the owner of the debt and the sole owner of the property acquired in Peru with the credit.

How can you process a mortgage loan for non-resident Peruvians?

How can you process a mortgage loan for non-resident Peruvians?

The processing of this type of credit can either be done personally or through an Intermediary Financial Institution (IFI). IFIs are entities that act as correspondents for any of the financial institutions that operate in Peru. Most IFIs are located in the United States of America, so if you reside there, the procedures will be simplified.

While performing administrative procedures personally or using IFIs, you must request the appraisal of the property and the respective study of titles. These requests and their procedures must be made, personally or through a third party, in Peru.

Once you have all the required documents on hand

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You must present them at the corresponding financial institution. And once the credit is approved, you have two options for signing the respective contract:

  • Sign it in the US and send it via courier.
  • Generate a power of attorney with the visa of the Peruvian consulate, so that a family member of yours signs it on your behalf in Peru. This prior registration of the power of attorney in a public registry.

Acquire Mortgage Credit In NVR

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The decision to acquire a mortgage loan at NVR makes you a dynamic person. Well, you should be aware of the changes in the share, affected by inflation .

NVR Definition - Real Value Unit: It is an economic indicator, created in replacement of UPAC. It is applied together with an interest rate on mortgage loans, taking into account inflation. This indicator is affected by the CPI - Consumer Price Index, that is, it increases or decreases according to the cost of living.

 

How to choose a mortgage loan in NVR?

How to choose a mortgage loan in UVR?

If we see it from the point of view of wages, what can happen? For a person who pays his credit. As wages are also affected by inflation , income will increase or decrease. And the fees paid can be covered in the same way.

We can conclude that this system can be beneficial for a person who has minimum wage income. By having a low repayment capacity, you can access an adequate mortgage loan. The amount of financing would be greater with low fees, very convenient considering that the term is long.

 

Amortization systems when acquiring a mortgage loan in NVR

mortgage loan

Fixed fee in NVR (Low fee)

The same fee will always be paid in NVR. But as inflation increases the value in pesos will increase. When calculating the amount of your fee you must multiply it by the value of the NVR at that time. If we analyze the credit balance for the value in pesos, this will increase, since the capital payments are very small.

 

Fixed payment to capital in NVR (Average fee)

Fixed payment to capital in UVR (Average fee)

The payment of the fee in NVR, is decreasing. It means that the quota in pesos will be greater at the beginning of the mortgage loan, but gradually decreases. Greater capital payments are made, therefore, the balance of the mortgage loan is faster. (Recommended).

 

Cyclical fee: (Stable fee)

mortgage loan

The same fee is always paid in NVR. The change of the quota will be noticed annually, when it is affected by the CPI, applied in inflation. The fees decrease each month of the year, but again increase at the beginning of the year, due to the inflation rate.

Car loan: Yes or No?

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A company car: yes or no?

A company car: yes or no?

Many people consider a company car. But it is important to check whether it is wise to purchase a car for business or private purposes. In this article more information and tips about leasing and insurance. Futher reading at http://www.cincy-racing.com/best-payday-loan-consolidation-a-payday-loan-consolidation-program-in-minutes/

Is a company car a good move financially?

It is important to consider whether you purchase a car for business or private. And of course whether you subsequently include your car in the assets (which means that it is deductible from the profit). For a company car, however, you have to take into account that you will receive a private addition, based on the catalog value of the car that can be as high as 25%. This only applies if you drive more than 500 kilometers per year for private purposes, but you must be able to prove this.

Is buying a car a good idea?

Is buying a car a good idea?

Buying a (new) car is of course not a wise move if you don't have the means. A loan is then necessary, which costs a lot of money. See if a second-hand car is an option, so an expensive loan is often not necessary. Negotiating is also important if you buy new, who knows you might get some benefit from it.

How many kilometers do you have to pay for a company car?

How many kilometers do you have to pay for a company car?

If you have purchased a car for private use and also drive there for business, you can charge € 0.19 per business-driven kilometer tax-free to your company. So if you drive a lot for business, a private car is in many cases more interesting.

Rent a company car or lease a car?

Rent a company car or lease a car?

Of course, leasing is also an option if you don't have the money immediately available. With a fixed monthly amount you are assured of a trouble-free car and your maintenance and insurance are included. Keep in mind that you cannot profit from the residual value and that leasing is relatively expensive, but easy. Of course you also have the choice here whether you are business or private.

Insure company car

Insure company car

Insurance is necessary to prevent financial setbacks. With leasing all premiums are paid, but you can of course also arrange this yourself. Inform well with different insurance companies how much you pay in premium, what damage is reimbursed, whether there is a deductible and pay attention to small print!

In short, it is important to consider what is necessary for you: do you really need an expensive lease car, or is private driving and declaring your business mileage actually cheaper? Make a comprehensive comparison between the different options and see what is affordable for you now, but also beneficial in the long term.

Have you ever considered a company car?