Featured

Payday loans consolidation -Getting a payday debt consolidation is easy

You have at least two credits in repayment at other institutions and want to consolidate them. In which cases is this operation really useful?

The benefits of pooling credits are multiple. The reasons for setting up this type of operation vary according to the situation and needs of each borrower. Who is the grouping of loans for? What are the advantages? All the explanations.

Getting a payday debt consolidation has never been this easy

There are many benefits to consolidate payday loans.

Lower the amount of the monthly repayments

The main advantage of loan consolidation is the possibility of reducing its monthly debt. This is indeed to give a breath of fresh air to the budget of the borrower. For example, a person who pays five monthly installments of 200 euros or 1,000 euros in total will be able, thanks to this operation, to reimburse a single term of 800 euros. Having only one loan to repay is much easier for borrowers.

Implement a new project

Lightening monthly payments and extending the repayment period can enable you to make a new project a reality by obtaining additional cash. This amount of money will be included in your new refund.

Get a more interesting loan rate

Mortgage and consumer credit rates are at historically low levels. It is in the best interests of borrowers to set up a pool of credits and to obtain a higher interest rate.

What is the grouping of credits?

Loan consolidation brings together multiple credits into one. More specifically, this arrangement aims to restructure outstanding debts into one that will be repaid each month by paying a single bill. Through this operation, borrowers can adjust their monthly repayment charge to their budget. In return, however, they go into debt over a longer period.

In the context of loan consolidation, the initial credits that will be repurchased by the institution in charge of it may be consumer loans, real estate loans, car loans, work credits or renewable loans. The grouping of credits can be set up with a mortgage or without a mortgage.

How to benefit from a loan consolidation?

The borrower who wants to consolidate its loans must apply for it before ending up in default. Its debt must be less than 33% of its income. This operation is of interest to borrowers who have to repay several credits at a time and who seek to obtain better visibility of their rest to live. Consolidation of credits can also be useful if you are faced with a refusal to negotiate by the lending institution.

To study the feasibility of your request, do not hesitate to use a loan consolidation simulator.

How to organize your finances and get out of debt | Do it yourself payday loan consolidation

 

Learn how to get out of the red!

Are you facing financial problems because of bills you are unable to pay? Are you frustrated by this? Know that getting out of debt is possible. And to get started you should organize your budget, plan and act smart and strategically.

Right now, desperation may be knocking on your door. However, it is important to remain calm and start taking action to solve the problem.

While you might even think otherwise, organizing your budget and getting out of debt may be easier than you might think. For this you need to know what to do. That’s why we’ve come up with some tips to help you accomplish this task and ensure your financial peace of mind.

Write down all your income and expenses

Write down all your income and expenses

If you believe that rich people only got it because of a good salary. It is very likely that you should review your concepts. Those who achieve financial prosperity can only succeed because they have been able to maintain an organized budget. And for that, it is critical to know exactly how much you earn and how much you spend.

So, to get out of debt and organize your accounts, the first step you must take is to keep a table where you can write down all your income. That is, what you earn (your salary and other sources of income) and all your expenses.

And when we say that you should write down everything you spend, we talk about everything from your basic bills like electricity, water and phone, for example, even that sweet bakery at the corner of your work.

That way you can get an accurate sense of how much you earn and how much you spend. Only then can you keep your budget organized. This will make it easier to plan your expenses and get out of debt more easily.

To do this you can use a monthly spending spreadsheet or mobile app, which can help a lot when you can’t access your computer to make a note of your spending.

Have an investment goal.

Have an investment goal.

Anyone who wants to be successful about something they want to do should set a goal, and when it comes to organizing the budget and getting out of debt, it’s no different.

If you have debts that you are unable to pay and want to get out of this complicated situation, a good idea to reach this goal is to set a monthly goal of how much you need to save to settle your overdue bills.

When you have a set goal, it is easier to get where you want it, because if you realize that you are reaching that goal even before the deadline, you are sure you are on the right track and can relax a little.

Similarly, if you find that you are still far from the target you know you will need to work harder to get where you need to.

The most interesting thing about setting a monthly savings goal to pay off is that once you get out of debt, you can keep that goal with other goals, such as taking a trip, changing your car, or fulfilling any other wish. money you have.

Before you buy anything, negotiate

Before you buy anything, negotiate

Every time you buy something, try to negotiate with the seller. This negotiation can be about the price of the products or services you intend to purchase or about the payment method.

It is best to negotiate by way of payment, since negotiating for the total products, you may end up spending more money than you were originally willing.

A good tip for negotiating a payment method is to use cash to buy, so you can request a discount from the seller, as by not using the credit card machine, fees will be saved for both you and the seller.

It turns out to be a situation where both parties win, is when negotiating with the seller, is this kind of relationship that you should seek. No one needs to lose out, and that’s the kind of thinking you should rely on to convince a salesperson to offer you a discount.

And so you can save more money to get out of debt .

 

Make your cash purchases

Make your cash purchases

To get out of debt the ideal is that until you can repay everything you owe, you avoid getting into even more debt through installment purchases, which are one of the big baddies of debt .

When you make installment purchases, you may not realize how much you are spending. That’s because not taking money out of your wallet pays for one important psychological factor: You don’t feel the impact of that spending on your budget at that time.

It may seem silly, but the fact that you pay for your purchases using cash instead of credit card, you can see that you are spending and feel the impact of that spending immediately.

Another advantage of paying for your purchases using cash, as explained in the previous topic, is that it is easier to get discounts because you are paying cash.

Share your budget with someone you trust

Share your budget with someone you trust

Another simple strategy that can help you get out of debt faster is to share your budget with someone you trust.

Tell this person that you need to save 15% of your income today to settle open accounts.

This is an interesting outlet, because when we commit to someone, we tend to be more responsible and motivated, since we don’t want to disappoint a person we trust.

If you share with the people around you who are trying to save money to get out of debt, you tend to end up working even harder to achieve that goal, which is a purely psychological matter.

Alternatively, you can set up a support group, something like Anonymous Debtors, bringing together people who are facing the same kind of financial problem as you.

So together you can talk about the difficulties and think of ways to solve the problem, since everyone’s goal is the same.

Always try to be learning

Always try to be learning

If you want to keep your budget organized and achieve financial balance after getting out of debt, it is important that you are always willing to study and learn about finance.

On the internet you can find plenty of free content on the subject.

Right here, in Fixed Income, you can read several articles dealing with topics such as investing and personal finance. In addition to content explaining how to save money.

Browse forums, blogs and videos on youtube. Inform yourself as much as you can to achieve the goal of a smoother financial life.

First, pay higher interest debts

First, pay higher interest debts

Another strategy you should use to get out of debt is to pay off those with the highest interest rates first.

This is because it is exactly these financial backlogs that are eroding your resources faster.

Interest accrues over time and makes the amount you owe higher and higher. The higher the interest rates and the more time goes by, the harder it gets to pay off what you owe.

So make a list of all the debts you need to pay. Also, look at which ones have the highest interest rates so you can settle them first.

Negotiate repayment of your debts with your creditors

Negotiate repayment of your debts with your creditors

If you owe a lot and want to get out of debt as soon as possible, a good tip is to look to your creditors to negotiate the payment of the amount due.

Try to make the payment as fast as you can so you can pay a lower interest installment.

At this point, it is crucial that you avoid contracting other debts, even though applying for a loan to repay what you owe is tempting.

Doing so will only open one hole to plug another. And we know that this is not an unintelligent strategy for those who need to organize their budgets and regain the health of their financial lives.

In today’s article you have seen some simple and practical tips for you to organize your budget and get out of debt, ensuring your financial peace of mind.

If you enjoyed these tips and want to see more content like this, keep following our posts. And also check out our previous articles in the blog archive.

Here, in addition to tips for organizing your budget and keeping your financial life healthy, you will also find guidelines for choosing the best investments.

Where should we collect our money? – Credit

There’s been a lot of talk lately about the need to save money, so it’s a good idea to look at the options available to anyone looking to save money.

What are our expectations for a savings account?

Don’t be too expensive to maintain it. (That’s why we don’t buy life insurance, you can read a lot about it here.)

Be free, whether I want to add or take it out, I can do it.

It should be available for a relatively small amount

bank

Every month when we deposit at least HUF 10,000 a month, we get a high interest rate, currently 7.5% per annum. Otherwise, 2.5% annual interest for that month, and if we withdraw money from the account, only 0.15% interest for that month. (But this can be prevented by keeping two accounts and transferring the remaining money to the other account where it will be interest bearing.)

Free account opening, zero HUF monthly fee, free netbank, free online transfer within the bank.

The maximum amount is 5 million HUF / account, but one person can open up to 3 accounts.

If more serious money is raised, you can save it on a higher interest rate somewhere else or on a TBSZ account free of interest.

Our second competitor is the E-Money Predictive Deposit Account , similar to Good Piggy Bank, with the following differences:

Only customers with E-Money current accounts

bank

(This is not a requirement at Good Malacpersely), but are free of charge.

The interest rate is only 0.15% up to 10 thousand per month, 3.25% up to 40 thousand per month, and 6% over 40 thousand per month.

The share above HUF 2.5 million only yields 0.15% interest. (Good Piggy Over 5 million, not every year, but in total.)

Third competitor is the Litcredit Regular Savings Program . Unlike the two products so far, the focus here is on investing in mutual funds. There are six funds available for a home fund manager, Pioneer, with a minimum monthly savings of $ 10,000. We can also invest some of our money in “high-interest bank deposits”, but neither the announcement nor the terms and conditions indicate how high the interest is.

One disadvantage of a security is the need for a securities account

One disadvantage of a security is the need for a securities account

(And bank account), along with all of its costs, and because the form of the investment results in unpredictable returns. According to Litcredit, the 5-year yield was 2.5-6.7% annually, depending on the fund, and the 2-year yield was up to 20%. I can’t imagine how this came out to the bank, but in any case, I’m copying the official results of the funds involved, though at this point there is no 2 year return.

Money market fund: 5.01%, Hungarian bond fund 4.61%, Central European equities -7.87%, international mixed 4.26%. The remaining funds are not even a year old, so there is no data available.

According to the prospectus: “As an example, an analysis of the performance of the following three pre-assembled investment portfolios over the past two years showed that, even for a secure portfolio, returns were above 11% per annum and for dynamic portfolios was close to 20% per annum . (in the case of savings in investment funds).

Can You Believe The Credit Card Closure Service?

Freedom of fraud committed by irresponsible people should be used as teaching to be wiser in choosing the right financial consultant, in order to help you free from debt problems. The cases that occur often make the owner of the credit card in arrears a loss. Usually this irresponsible person will give sweet promises, with great debt settlement, even a promise of bleaching so that the owner of the card no longer needs to pay a cent of his delinquent tray. In some cases, there is also a credit card closing service that requires your credit card to be recorded. Finally, the prey must pay a sum of money even though there is no result, making the problem of the owner of the card not complete and the debt that continues to mount.

“So is there really a credit card closing service that is believed to be expected to solve your credit card problem?”

 

Speaking of solemn closure of credit cards, there are actually several things that must be considered. Keep in mind that closing credit cards alone won’t solve the problem. So, even though in the end you are using the solemn closure of a trusted credit card, make sure the solemn is also responsible for helping you to pay off all the debt trays that are still in arrears. Closing credit cards is actually not difficult, you only need to follow the procedures set by the bank. It’s not normal, which is often an obstacle is paying off arrears that are still left in it.

Actually the easiest way to start closing credit cards and paying off arrears is to use solemnly that provides a program for managing credit card debt or personal loans. Companies like this usually have a variety of experienced consultants, who can assist you in developing strategies to be free of credit card debt and personal loans. Not only helps the closing process, you can also be helped in the repayment process so that it can start with a fresh start, living without debt. Usually solemn like this also does not give empty promises, it will only ensure that the owner of the card can truly be free from debt and responsible with the arrears he has. Solemnly like this, you can usually be helped by strategies that free you from debt. This certainly requires your time and energy to deal with the bank. One of the solemn things you can use is Gudrun Brangwen. The Gudrun Brangwen team is trusted and will lead you from the beginning of the process to getting a statement from the bank. In addition, Gudrun Brangwen together with you will find the best solution to pay off debts with an easy process.

To choose a more appropriate service, check if the credit card closing service you are considering has the following characteristics:

Doesn’t Give Too Promise Promises

When choosing solemn closure of credit cards, pay attention if the promises they make are too good or not. There are some irresponsible people who usually promise unreasonable discounts, for example, so that they are 90% or promise to cancel interest. Actually, things like that cannot be promised immediately, the bank usually has its own discretion before giving relief. From another angle, there are also parties who promise bleaching, in other words, the owner of the card does not need to spend any money to pay the debt tray that is still in arrears. Of course this is suspect, even though debts that are already arrears are the responsibility that must be resolved by the owner of the card. So, it does not make sense if the owner of the card will be eliminated from the debt burden just like that, unless indeed the one in question has facilitated the credit card with insurance, and those who are concerned die or experience permanent disability.

In a proper and trusted debt management service, usually there are no promises that are too beautiful. Usually the consultant in what will continue to remind that every piece / waiver obtained by a client will be adjusted to the conditions related. For example, if a client gets a reduction of 70%, of course there are things on the contrary, for example because there are still hospital fees that need to be paid, arrears that are ten years old or more, and other related factors. Therefore, all waivers earned will be adjusted to the conditions of the client.

Not Promising Debt Collectors Will Not Come to Home

One thing that is usually most feared by credit card holders is that it is a visit from a collector. Whether or not, usually the collector is recognized by abusive acts and also the words that pose a threat. Usually those who claim to be solemn to close the credit card are believed to be promising that debt collectors will not come home. In fact, of course this should not be guaranteed, because it is indeed the duty of the debt collector to keep asking for delinquent trays. Only at this time have there been regulations that provided collection procedures carried out by debt collectors. Of course there is no service that can promise that debt collectors will not come to the house. At Gudrun Brangwen himself, we never promised that debt collectors would not come home. We understand that this is indeed their duty. Usually the consultant Gudrun Brangwen will provide guidance on how to deal with debt collectors.

Wang Deposit is Refundable

Some solemn closure of the credit card will require you to pay a deposit amount. Before paying the money, make sure that the money can be returned or not . If possible, know all the terms and regulations in full so you can get the money back. In Gudrun Brangwen itself, there are usually a number of deposits that need to be paid. The price, the deposit may be returned, provided that Gudrun Brangwen cannot succeed in obtaining negotiations at all within a certain period of time. With that, before paying the deposit, make sure the money is refundable.

Not Requesting Kad’s Owner’s Credit Card

 

 

 

This is a matter that you must pay attention to. Beware if there are irresponsible parties and ask for your credit card. Credit cards have various features of confidentiality of data that you need to protect. Of course it is very dangerous if the credit card is given to parties that you do not recognize. With information such as the end date, CVV code, last name, credit card number, it will certainly increase the possibility that your credit card is used by irresponsible people. At Gudrun Brangwen itself, we highly respect the confidentiality of client data. So with that, Gudrun Brangwen never asked for a client credit card at all, even with personal data contained in other credit cards.

Has a clear Official & Transportation Address

When choosing the solemn closure of a trusted credit card, there are other cases that you need to pay attention to, namely the clarification of the address and the company relationship. In cases that are often carried out by irresponsible people, usually people like this do not have clear addresses of officials and relations. They often move locations or their names change. In addition, make sure the available transportation numbers are official telephone numbers and not just phone numbers that can change.

At Gudrun Brangwen, you may come to the address of the official available on the official website or social media account. In addition, telephone numbers that can be contacted at the time of the official are also provided.

 

Gudrun Brangwen international is the first professional technology based company in Indonesia, which provides a debt management program. This program is designed so that customers who are in debt, have the ability to control their financial returns. Gudrun Brangwen Indonesia assists clients through a debt management program, specifically designed according to different requirements for each client. This program is a combination of upbringing on various opportunities to increase income and reduce expenses, and conduct negotiations on bank loan conditions that exist to reach the amount of payment that is in accordance with the ability. Gudrun Brangwen Indonesia central official was established in Jakarta in 2015 by a founding team that has collective experience in the financial sector including debt settlement for more than two decades. Gudrun Brangwen has made Indonesia as a center of operations once a blueprint for the company’s development plan to other ASEAN countries. Since July 2016, Gudrun Brangwen Indonesia has become the first company in Asia to be accredited by the International Association of Professional Debt Arbitrators (IAPDA).

Tax Amnesty and Its Benefits to Your Finance

 

In recent years Indonesia has been shocked by the Tax Amnesty program, which was driven by the Directorate General of Taxes. Many people who are still uncertain, must or do not report the assets that have been hidden. In this article we will provide information especially for those of you who are still hesitant to declare their property to the Government. Keep in mind that Bill Sikes does not provide services regarding tax declarations and tax amnesty programs, but we will help provide a big picture of the program. Check out more about tax amnesty and its benefits here.

Definition of Tax Amnesty

According to the definition displayed on the official website of the Directorate General of Taxes, tax amnesty is a forgiveness program provided by the Government to Taxpayers including the elimination of taxes that should be owed, elimination of tax administration sanctions, and the elimination of criminal sanctions in the field of taxation on assets acquired in 2015 and earlier which has not been reported in the SPT, by paying off all tax arrears owned and paying ransom. Mengenal tax amnesty dan kegunaannya

Of course this program is an opportunity for those of you who have not declared their property to the Government. Not only that, for those who have kept assets in other countries, so that they are not subject to high taxes, the tax amnesty is also the right opportunity to confess. This program is valid for several periods, each period also has different waivers. Therefore, the faster you declare property, the lighter the tax amnesty you get.

 

Unlike the UMKM taxpayers, for a property declaration of up to 10 billion, it will be charged 0.5%, while for property declarations of more than 10 billion will be charged 2%.

Tax Amnesty is a Golden Opportunity for You

This program is arguably the golden opportunity obtained by taxpayers in Indonesia. According to the Finance Minister, Bambang Brodjonegoro, said that besides being not going to be subject to criminal & administrative sanctions, an Indonesian citizen who reports his property is also involved in the country’s development. All ransom paid will be included in the APBN. If the state budget is more sustainable, then the opportunity for the Government to use the money in building infrastructure and improving people’s welfare is also greater.

Keep in mind that you are actually not required to join this program, this is only a matter of rights. The Director General of Taxation, Ken Dwijugiasteadi, emphasized that retirees, fishermen, farmers, and other tax subjects who pocketed salaries under Non-Taxable Income (PTKP) were allowed not to join the program. The PTKP limit is with an income of IDR 4.5 million / month or IDR 54 million / year.

In addition, Indonesian citizens who do not reside in Indonesia for more than 183 days within 12 months and do not have income from Indonesia are also entitled to not participate in this program. The choice that can be made is to correct the Annual Income Tax Return (PPT).

What if you are not included in both groups and still choose not to join this program?

If someone still does not submit a Statement (report) until the program period ends, then they must remain open for review, and are willing to be sanctioned if assets are not disclosed to the tax office. As stipulated in Law No. 11 of 2016 concerning Tax Amnesty, article 18 paragraph 1 and 2, it is written that if data or information is found regarding assets that have not been reported ( January 1, 1985 – December 31, 2015), the assets are considered as additional income received.

Furthermore, the assets found must be paid and subject to PPh or income tax (10-30%) according to the provisions. In addition, there will be additional administrative sanctions in the form of an increase of 200% of income tax that is not / less paid.

Example of Tax Amnesty Calculation

 

The following is a calculation example, in the following table shows the assets owned by Budi, all assets and debts are within the territory of Indonesia. The table below shows the difference in reports on the latest PPh SPT in 2015, and the assets that Budi finally recognized honestly in the program planned to be reported in November 2016. How much is the ransom Budi has to pay?

  Reported in the 2015 Income Tax Return (Last SPT) Assets that have not been reported
Property Value 10 billion 15 billion
Debt Value 3 billion 5 billion
Net Asset Value (property value – debt value) 7 billion 10 billion

The basis for the ransom (difference between unreported assets – assets that have been reported): 10 billion – 7 billion = 3 billion; from the difference, we can only calculate the cash paid. In accordance with Government regulations, November 2016 has entered period II so that domestic declarations will be subject to 3%.

So, the ransom paid is 3% x 3 billion = 90 million

 

Benefits of Paying Taxes

 

  1. Yustinus Prastowo, Executive Director of the Center for Indonesia Taxation Analysis, said that the benefits of taking part in the program are the right to get the tax elimination facility owed and sanctions, and get guarantees not to be examined and not investigated until 2015.
  2. You can save more money honestly with the Government. This is considering administrative sanctions that will be imposed if other assets are found, an increase of 200% can have a huge impact on your financial flow.
  3. If you are involved in this program, not only does it benefit from the amount of funds that can be saved, but you also contribute to the country’s development

So, this program is a good opportunity right? If you still haven’t reported, you still have the opportunity until the end of March 2017. Take advantage of this opportunity to save funds and cut more expenses. For more information about the tax amnesty program , you can get it on the official website or call the service number at 1 500 745.

Attention: Bill Sikes cannot provide services regarding this program. If you need a more expert figure, you should contact the nearest tax consultant so that you can better understand the amount of tax that you still have to declare. This article only aims to provide an overview of this program that we summarize through the official website of the Directorate General of Taxes and other supporting references that we deem reliable; Bill Sikes is not responsible for the truth of the information obtained in any form.

 

Understanding Debt Ratios Against Revenue and Impact for You

Many cases must be considered when applying for a loan, regardless of form, including credit cards, and personal loans. Some cases must be considered, for example, how much interest rates, annual fees, and how many installments to be paid a month. See also the agreement that has been agreed if there is an impression that must be accounted for if you are unable to pay the installments in a timely manner. Usually this has to do with the assets / assets that you make as collateral. Do not miss, of course you have to consider the debt and income ratio before applying for a loan.

Debt and Income Ratio (Debt to Income Ratio)

 

The definition of cagaran and income / debt to income ratio is a ratio that can see whether the monthly debt installment payment is in accordance with the amount of debt income that he will get. Usually this will affect the debtor (for example a bank) to see if you are worthy of a loan or not.

Submission of a loan, as well as a credit card or personal loan, it is usually possible to fulfill it if the prospective debtor has a fairly good debt to income ratio. This analysis is used as one of the foundation by the bank, because the bank will assume that you are quite responsible if you have a fairly good ratio.

Not only at the time of submission, debt and income ratios can also be estimated when you have got a loan. Basically, it is mandatory to have a debt that is lower than a month’s income, especially if the debt is consumptive.

Following is the formula for debt ratio and income:

 

How to Read the Debt and Income Ratio Score

After knowing the formula for debt ratio, the next step is to find out how to interpret it. Here is a guide to how to read it.

≤ 35% – Ideal / in accordance with income

The debt ratio in this figure means that your financial flows are ideal, and allow you to pay debts on a regular basis, without fear of being in arrears. By always being consistent and maintaining debt and income ratios at this number, and paying regular installments can also give an impression on your credit score on CCRIS and CTOS, which will be good and free of negative credit listings. Even with good debt and income ratios, you also have to keep your expenses safer and far from wasteful, so you can pay installments regularly.

36% to 49% – Less Ideal But Still Can Be Repaired

For this number, actually the ratio that you have is still quite good and can still be fixed, just not as ideal as the percent below. You still have the opportunity to deal with expenses that have not been guarded. Do not allow the debt ratio to your income to exceed 40%. So with that, if you are unable to maintain a ratio to stay consistent or lower the debt to income ratio, chances are that you can experience a crisis and no longer have the ability to pay off debts in the future.

≥ 50% – Not ideal

Understanding the debt ratio in this number is the existence of an imbalance between monthly income and the installments you pay each month. Usually if you have arrived at this number, you will no longer have the ability to pay installments, which will cause delinquent installments. If you have reached this number, there is better if you ask for help from a more experienced consultant to help you in reducing the contribution, and to increase income.

 

Let’s try applying it in an example case. For example, Budi’s monthly income is IDR 10,000,000, then Budi has an installment of several credit cards of IDR 5,000,000, then the debt ratio and Budi’s income is 50%.

Based on the guidelines for reading the debt and income ratios above, we can find out that the debt ratio is not healthy, because it hits 50%. Then how to overcome this? Shrubs in the next sub category.

How to Lower the Percentage of Debt Ratio to Revenue

In the example above, Budi has a debt ratio of 50%. Then what should be done if it has continued to experience a debt ratio in this number, and how to lower the percentage of the debt ratio? There are a number of things you can do:

Increase Revenue

The key to minimizing the debt ratio is found in both aspects of the estimate: monthly income and total installments. Let’s start with monthly income, the step you can do is to increase monthly income. If you currently have limited income, there are several ways you can do it.

The first way, if you are a worker, try to ask for a raise . Focus on the achievements that you have contributed to the company and make it as capital to negotiate a new nominal salary. Remember to always sell the quality of yourself, and avoid begging to the company, what more is the reason for having a lot of debt.

Second, you can also defeat him by looking for a side job. There are many opportunities that you can take advantage of, for example, being an article writer, language translator, even being a guide for online texting.

Third, look at the opportunities that exist. If possible, try to start trading from home. If you have a problem, you may ask for help from a partner or family. You can also take advantage of assets such as the train you have, or even use an empty land / room at home and process it to become an additional money producer.

Subtracting Debt Nominal

Before declaring the same as there may or may not reduce the nominal debt, one thing to remember is not to add new debts, including shopping with credit cards. This will only burden you and make you more difficult to pay off your debt and achieve a good debt ratio.

Speaking more about reducing debt, the answer is allowed, depending on the type of debt you have. If you now have a problem with credit card debt or personal loans that are in arrears and somewhat burdensome, it’s good to ask for help from consultants who are more professional in dealing with them. With this, you can be easier in paying off debt, and the amount of monthly income will not continue to be burdened with the amount of debt that must be repaid. There is usually a debt management program provided to help your problem:

  • One-Piece Discounts / Discounts: This type of relief program allows customers to get a nominal discount which is usually quite light, usually 20-50%, and must be paid in one payment. This type is suitable for those of you who do not have sufficient savings, who may decide to pay arrears.

  • Low Interest Rate Ansuran: Usually with this program customers can pay a lower interest rate. If the normal interest goes when it is around 2.25%, then it is possible to get an interest of 0-2% only, with a period of 60 months installments (in certain cases). The goodness of this program is that you can pay little by little without having to pick up your savings.

  • Disclaimer Ansuran: For the discount review program, usually you can benefit from the two types of programs above. But because it is combined, of course you cannot pay installments throughout the installment program, usually as much as 6 payments. Likewise for discounts, you do not get a discount for the same one-time discount program. This type of program can only be found in some banks.

One of the debt management program providers that you can use to overcome the problem of insolvent credit is Edmond Dante.

Edmond Dantès international is the first professional technology based company in Indonesia, which provides a debt management program. This program is designed so that customers who are in debt, have the ability to control their financial returns. Edmond Dantès Indonesia helps clients through a debt management program, specifically designed according to different requirements for each client. This program is a combination of upbringing on various opportunities to increase income and reduce expenses, and conduct negotiations on bank loan conditions that exist to reach the amount of payment that is in accordance with the ability. Edmond Dantès indonesia’s central official was established in Jakarta in 2015 by a founding team that has collective experience in the financial sector including debt settlement for more than two decades. Edmond Dantès made Indonesia as a center of operations once a blueprint for the company’s development plan to other ASEAN countries. Since July 2016, Edmond Dantès Indonesia has become the first company in Asia to be accredited by the International Association of Professional Debt Arbitrators (IAPDA).

Debt / Credit Card Debt: Lawyer or Debt Management Program?

Applying for loans such as KTA / KPR / other loans to the bank can be done when we need costs such as funds for education, hospital care costs, marriage, or it can be solely for shopping with a credit card. One thing that is often overlooked before applying for a loan is that there is no calculation with the possible details or whether someone can pay off the debt in the future. The impact is that someone can become entangled in debt that is hoarded and chased by the bank.

At this time, customers will often find ways to get a credit restructuring or relief program so that the debt they have can be lighter to pay off. Not everyone knows how to get this loan restructuring, so many people are looking for reinforcements to be able to help them free themselves from this pursuit. Often heard in our ears there are various ways available to be free for those of you who are caught up in credit card debt and credit. What are the differences and which are better for you? Check out the following points:

 

Definition of Credit Card Restructuring

 

 

Before starting which type of help is right for you, it’s a good idea to find out in advance what credit card restructuring customers get when they are in debt. According to the Bank Indonesia Regulation, credit restructuring is an improvement effort made by the Bank in credit activities to debtors who have difficulties in fulfilling their obligations. The results of this credit restructuring can usually alleviate customers so that they can better afford to pay. There are several types of relief programs that can be obtained, for example: getting a discount on credit, deductions with extended installments, or a combination of both.

Credit Card Attorney

 

 

Speaking of the credit card lawyer profession, you may have heard or seen the ad, often. The irresponsible person uses many of these ‘professions’ as fields to find sources of income. You need to know that the case of bad credit is a problem between the customer and the bank, so it does not make sense if there are parties who suddenly promise to give bleaching or big discounts so that you will come out of the pursuit of debt collector .

Simply put, if everyone who borrows money from a bank can be immediately free of debt due to credit card attorney bleaching, then everyone can arbitrarily earn money without having to work, right? The problem is not that easy, because if you have debt, of course you have to be paid, especially if the debt is due to the consumptive nature of users who cannot control, of course the attitude of responsibility will be clearly seen here.

In addition, many of the individuals involved have produced their advertisements in the mass media. In accordance with the Indonesian Advocates Code of Ethics issued by Peradi (Indonesian Advocates Association), Chapter VII Article 8 concerning Other Provisions on the Code of Ethics, shows that advocates should not advertise their services:

(b) Installation of advertisements solely to attract the attention of people is prohibited including the installation of signs with excessive size and / or shape.

(f) Advocates are not justified through mass media seeking publicity for themselves and / or to attract public attention regarding their actions as Advocates regarding cases that are being or have been handled, except if the statements that they provide aim to uphold legal principles that must be championed by every Advocate.

A credible lawyer is usually registered with the Association of Advocates / Lawyers. If the lawyer is indeed registered, then they are not justified in opposing the Code of Ethics, for example: advertising services through SMS.

More can be seen directly on the official website of Peradi here.

Be careful with irresponsible individuals who impersonate Credit Card Lawyers

 

Not infrequently, irresponsible credit card lawyers promise customers that they will get bleaching so they don’t have to pay at all, some promise discounts up to 90%. There is no bank that can give such promises, because after all the debt that someone already has is the responsibility for repayment. It is impossible for customers to be free of debt, especially by not paying at all.

In addition, some irresponsible individuals also ask customers to transfer a number of costs up front, so that the funds will then be used to pay to the bank so you don’t have to pay off again. Please note that the correct mediation services should ask customers to transfer all costs directly to the bank, without going through an intermediary. If the requested fee is a service fee, then the fee should be paid when the results of the negotiations with the bank have been obtained and agreed upon by both parties (banks and customers), and reached an agreement.

The following are examples of modes of fraud committed by irresponsible credit card lawyers:

  • Promising unreasonable deductions (bleaching, 90% discount, installments of IDR 50,000 – 100,000, – per month)
  • Office addresses change, or are often fictional
  • Request a lot of funds up front without any official results from the bank first
  • Advertisements for credit card attorney services are seen in mass media classified ads, some through spam in e-mail, SMS, or WhatsApp
  • Use a woman’s name / photo as if it were a lawyer who would handle your credit card.

As reported by Kontan , Ariwibowo, Head of the Payment System Development and Policy Bureau of the Directorate of Accounting and Payment Systems at Bank Indonesia, suggested that the public should not resolve their credit card problems through lawyers. This offer often adds to the customer’s own burden.

We advise you to be more aware of fraud modes in dealing with your credit / credit card debt. The lack of vigilance you have can result in even greater losses.

 

Negotiation Services / Credit Card Mediation

 

Negotiation / mediation services will usually take care of the entire negotiation process that should be carried out by the customer. Services like this are used usually because many customers do not understand the process that must be passed, and do not understand the tricks of how to negotiate with the bank.

There are several reasons why using negotiation services is the right step for those of you who are caught in credit card debt or KTA:

  1. Customers can focus more on raising funds so they can pay the remaining arrears. Debt owned by customers is in several banks, so it would be a waste of time to negotiate with all banks. Therefore, by using mediation services, customers usually do not have to bother managing negotiations, because they have already been transferred to negotiation services.
  2. In accordance with the type of service, of course negotiation / mediation services are more experienced in conducting negotiations, so that the benefits obtained by customers can be more.
  3. Usually already have an experienced team and many connections with various banks, so the negotiation results can be lighter.

One thing that needs to be known, although it tends to be more trustworthy, customers must also be careful in choosing which negotiation / mediation services are entrusted to solve their debt problems. In order not to be deceived, the customer must see whether the following points are in the value carried out by the service company:

  1. It does not promise that customers can be debt free without paying a dime to the bank.
  2. Do not ask for a service fee in advance, but the payment is made after the results of the negotiations come out, and agreed by both the customer and the bank, even the customer gets a Lunas Letter (as long as the customer makes a payment in accordance with the bank’s agreement).
  3. If there is a deposit fee requested in advance, make sure the fee can be returned if there are no negotiations within the specified time period.
  4. Check the official website and official social media account, make sure it looks professional and promising.
  5. Check the telephone number provided, do you have a toll-free number and make sure the service provided is friendly and competent when answering your telephone. Don’t trust mobile numbers, because credibility is questionable if there is no official telephone number.
  6. Make sure you have a complete and clear office address, even better if you can contact the office and see first hand how professional the service is from its employees.
  7. Check whether the mediation / negotiation services have been registered in a trusted system, and are accredited by international organizations such as IAPDA.

Read more about Tips on Selecting a Debt Advisor here.

One of the advantages of using negotiation / mediation services to overcome your debt is that you can focus on finding funds to pay off debts. Ask the negotiator / mediator to resolve your debt problem. One of the trusted negotiation / mediation services is PT Allan Quatermain international Indonesia . Allan Quatermain International is the first technology-based professional services company in Indonesia, which provides a debt management program. This program is designed so that consumers who are in debt, have the ability to control their finances again. Allan Quatermain Indonesia helps clients through debt management programs, specifically designed to suit different needs for each client.

This program is a combination of education on various opportunities to increase income and reduce expenditure, as well as conduct negotiation processes on existing bank debt requirements to reach the amount of payment that is in accordance with the ability. Allan Quatermain Indonesia’s head office was established in Jakarta in 2015 by a founding team that has collective experience in finance including debt settlement for more than two decades. Allan Quatermain has made Indonesia as the center of operations as well as a blueprint for the company’s development plan to other ASEAN countries. Since July 2016, Allan Quatermain Indonesia has become the first company in Asia to be accredited by the International Association of Professional Debt Arbitrators ( IAPDA ).

Why is IAPDA accreditation so important? As a pioneer organization for debt negotiation services certification, IAPDA has selected selectively which companies are considered to have full commitment in providing quality service and understanding the problem of debt settlement.

Capitalizing on this accreditation, Allan Quatermain provides human resources who understand the problem of debt settlement, as well as the best quality of service in serving customers. Therefore, it is expected that every customer who wants to transfer the debt problem to be resolved by the negotiating company, should first ascertain whether the company has been registered and accredited by the IAPDA. Given that Allan Quatermain operates as a company that operates with professionals, Allan Quatermain will charge a service fee for clients who use their services. No need to worry, because Allan Quatermain operates transparently and prioritizes customer trust as the main foundation, so that all costs will of course be directly discussed starting from the start when the client starts cooperation with Allan Quatermain. (Also read: Entangled Credit Card Debt: Bailout Funds or Negotiation Services? ) And ( Credit Card Debt / KTA: Family Assistance or Negotiation Services?)

After knowing the options that can be made to get relief, we hope you can decide on the most appropriate way to deal with your current debt bondage. Also read the following article why use the services of Allan Quatermain to be the right solution so that you are free from debt . Remember that the longer you struggle with debt, the longer your name will be free from the Bank Indonesia blacklist . The impact is of course you will find it difficult to apply for a loan in any form to the bank. So, solve your debt problems now, and achieve your new financial life now!

 

 

The best Loans and Credits | Payday Loans

If you are thinking of applying for a quick credit to cover a last-minute urgent need, you can resort to unsecured loans . Currently there is a large supply of quick loans in the market, carefully review what are the best options when applying for loans.

Loans without payroll are designed to adapt to the financing needs of each person and are granted in just a few minutes, in the most comfortable and safe way possible.

Antecedents of the loans without endorsement

Fast loans without papers arrived in Spain in 2008, as a result of the economic crisis that affected the whole country. Since then, and until today, its use has been increasing considerably.

 

On the other hand, these quick loans without payroll are extra money income, generally without interest and with very accessible requirements for everyone. The amounts of money and time of the credit are usually smaller than those that would be requested from a traditional entity.

 

How much money can be requested with a quick loan without endorsement?

The credits without paperwork instantly offered by most entities are limited amounts of a maximum of € 100, usually. However, Moomintroll can offer amounts of up to € 750; Moreover, the term of return of the credit is between 61 to 90 days.

In the case of the first loan, the amount does not usually exceed € 300, at 0%. In addition, unlike banks, at no time are asked for explanations about the use that will be given to the money.

Loans without endorsement in Spain

In Spain, the microcredit has managed to generate a dynamic that moves nearly 200 million euros with operations that do not exceed 600 €.

This market has attracted many companies providing financial services and banking entities. Consequently, they have diversified and popularized online loans, being forced to expand and bet on riskier formulas in order to get more customers.

 

Where do I find the best loan option without collateral or guarantee?

When talking about loans without payroll or endorsement only DNI between individuals, reference is made to loans of amounts or amounts without requiring a guarantee or endorsement from a third party. This type of loans is made between individuals, with interests agreed and regulated by law. A written contract is usually made to agree on the conditions.

Although they maintain some similar aspects with conventional money loans, such as: the study of the capital that can be requested, the terms and interest payable, these are loans aimed at people with difficulty accessing conventional credit. In Moomintroll we make it easy for you, because you will find the most transparent conditions from the first moment.

Five aspects to take into account to apply for loans

  1. The first thing that you should be clear about when applying for loans without questions is the amount of money that you are going to request and the term in which you want to return the loan. Use the simulator to determine the amount you can access and the companies that offer the best conditions.
  2. Make a careful investigation of the financial companies to know which offers the best conditions according to your needs.
  3. Carefully review the conditions before closing the agreement, never forget the fine print.
  4. Pay attention to the content of the agreement, quick loans without endorsement or interest must be completely free. Although they have no interest (0% APR), they may include additional expenses or commissions.
  5. In the case of applying for loans with ASNEF and without collateral, it is necessary to select well the financial company you are going to use. Also, you must be clear about the amount and time of return you need and, above all, not having incurred debts with other credit institutions.

Order your loan now!

Requirements to request loans online without endorsement

 

  • Your name and last name.
  • Have a Spanish DNI or NIE identity document that certifies you as of legal age.
  • Contact phone number.
  • Email.
  • Bank account in which the money will be deposited in case of approving the loan.

Recommendations when requesting quick loans without endorsement

 

It is true that these express loans are an alternative that can get you out of a last minute hurry, without cumbersome procedures. However, they are still a financial product, so you should inform yourself properly and be aware of your financial situation. If you finally decide to request them, you must be sure that you can comply with the agreement.

If you adequately fulfill your credit obligations, you will not have unexpected cost overruns that can affect your long-term economy and, therefore, you can access these quick loans without endorsement whenever you want.

I want my loan now!

Advantages of Moomintroll loans

 

These personal loans without endorsement have been created with a different objective to that pursued by traditional bank loans, since they are entered and reimbursed in the short term and by smaller amounts of money. Generally, they do not require having a payroll that guarantees regular income, nor do they ask for an endorsement to support the repayment of the loan.

Undoubtedly, all these characteristics make Moomintroll loans one of the best options to solve unforeseen situations. For example, if the heating breaks down just as winter begins and immediate repair is required, the best solution will be to resort to online loans. Further:

  • Personal loans without collateral offer greater accessibility than conventional loans, making them more attractive to many people.
  • The methodology is usually similar to that of online loans; the request is made through secure platforms such as Moomintroll , where some basic data are verified. In addition, all personal information requested is simply used to ensure that the person requesting the loan is a real natural person.
  • Generally, the application is free, and it takes little time to be evaluated and resolved. If the loan is accepted, the money is disbursed the same day to the applicant’s account.

What are you waiting to request your credit without endorsement? Talk to one of our expert advisors and take the step towards the financing you need at the hands of Moomintroll.

Stop Paying Credit Cards with Minimum Payments

 

 

We have discussed three types of credit card payments: full payment every month, paying a minimum fee, and not paying at all / in arrears. This time we will explore more about payments with a minimum payment, including those including definitions, illustrating credit card payments with a minimum payment, so the steps that must be taken if already paid for the minimum payment.

Definition of Paying a Minimum Payment Credit Card

As the name suggests, the minimum credit card payment is a payment made by the credit card owner by paying only (in an average) 10% of the total arrears + bills that have not been paid in the previous month (if any). This type of payment is an option, especially for those who don’t want to be included in the negative list of CTOS and CCRIS. However, is it true that paying credit cards with the minimum payment is the right choice? Let’s look deeper.

 

Why is Payment of the Minimum Payment Credit So Favored?

Paying a minimum fee is often chosen by credit card holders. This is not without reason, the choice to pay a minimum fee is so popular because surely the owner of the card does not need to pay in full, and still may use the tray to make other payments. This situation is taken when the owner of the card is unable to pay in full, but does not want his name to be included in the black list CTOS and CCRIS.

Even if you don’t make a full payment, you don’t need to worry about your good name. The bank will still assume that your payment is smooth because there is no arrears at all. This means, the owner of the credit card will avoid the threat of black shading which will cause difficulties in making loans in the future.

However, paying a minimum fee is not the best way because it will not free you from debt at all. Why is that? The following is an illustration of payment in a minimum credit card payment, which can make you see firsthand the impression of the payment on the settlement of the credit card debt that you currently have:

Illustration of Credit Card Minimum Payment Settlement

We have illustrated a minimum payment credit card settlement to show the order to pay a credit card with a minimum payment to complete all payments. In this process, the owner of the card is considered not to use the credit card again, and is trying to pay it off so that the arrears tray runs out. The following is an illustration of the repayment of credit cards for a minimum fee :

Budi has a credit card debt of Rp. 50,000,000 (worth RM14,343) with an interest of 2.25% and an annual rate of Rp. 300,000 (worth RM86) because he is unable to pay the bill in full every month, so Budi decides to make a minimum payment of 10% of the total arrears each month so that it is completed. In this case, Budi does not use the card at all and only focuses on paying off arrears for a minimum fee. How long will Budi be free of arrears?

 

We can see that the debt will be repaid at minimum for the 67th month or after 5.5 years. Imagine if you become Budi. This means you have to survive without using credit cards at all to pay off the paid trays. Even though in reality, if Budi made regular payments and could use credit cards to the maximum, Budi could use the credit card to get other useful promotions for cheaper shopping. It is very detrimental if the credit card is not used at all and is only used to pay the arrears of official loans.

Stop Paying Minimum Credit Requirements

After seeing the illustration of the payment with the minimum payment made by Budi above, you can see that actually Budi as the owner of the credit card only collects debt without completing it at all. Budi still cannot avoid the interest that continues to run behind the payment of credit cards for a minimum fee. Therefore, this certainly only causes longer time to pay off the debt. On Budi’s case, with a debt of 50 million, he could only be repaid 5.5 years later.

Kes like this might happen to you. Based on what is experienced by Budi, you as the owner of the card must continue to pay a minimum credit card for years if you want to pay it off. After all, when you focus on paying credit cards for a minimum fee, you also can’t take advantage of the credit card for attractive promotions that should be able to benefit. The more cards are used, the more you will be charged to pay off the debt balance that is still running.

If you’ve already paid the minimum credit card payment, there are a number of steps you can take to overcome this:

Stop Using Credit Cards and Reduce Expenditures

If you start making payments for credit cards at a minimum payment, this is the time to stop using these credit cards. This is useful for reducing collected bills. Imagine if you pay for the bill this month you have experienced difficulties, especially if collected with a new bill. Excluding the interest charged in overdue payments, it will certainly make it difficult for you to solve it.

Not enough to stop using credit cards, you also have to reduce spending actively. Cuba look back at the monthly expenses that you often do. Look again at the types of expenses that need to be stopped, pay attention again to what household expenses should be more saved in order to help reduce expenses. Stopping expenses can be done from the simplest cases, such as if you always use the solemn application of Teksi , try to compare prices wisely or choose a public vehicle. If you often shop at a market that is more expensive, it never hurts to start switching to the nearest traditional market that offers a much cheaper price.

Do not forget too, when reducing expenses try to also pay attention to all expenses that must be done regularly. This does not mean that you are increasing your expenses, just need to be done so that you do not impose more expenses later on. Expenditures that are still paid regularly even though it is minimizing expenses are health insurance, and other incidents. When you are sick, the premium payments you make each month can flower well, so you no longer need to spend extra.

Use Available Savings

If you are forced to, use other sources of funds to pay off all credit cards at the right time. One option that you can use is a savings account specifically saving. Even if forced, at times of anxiety like this money saved in a savings account can help free you from credit cards. This warns us that credit card interest is quite high when compared to savings interest. Basically, if your credit card debt is high enough and you have not paid in full, it is better to use savings.

Use the Anxiety Tube

Another source of funds that can be used to pay for credit cards is an anxiety tube that has been stored for a while. If you save quite regularly, of course you can certainly save anxiety tubes every month. A financial expert says that every month you can save at least 10% of the salary you get. From another angle, if the risk of work is getting bigger like working as a freelancer, professional, singer, add savings with a 6-9 month reserve, but if you are a retainer at least provide savings of 9-12 months of expenditure.

Anxiety tube can be collected using an automatic designed savings by performing an auto debit every month from your transaction account. Another way to collect anxiety tubes as a way to resolve debt quickly is to ask people who still owe you. Usually the amount of receivables that you have really helps you to collect savings to pay off debts.

Ask for Family Assistance or Meeting Friends

 

If forced, you also make payments using assistance from your family and friends. This certainly requires a big commitment if you choose to make this choice. Loans from family or friends are usually not accompanied by interest, and tend to be more mitigating. However, you must return the money as a promise, so that the relationship that has been established remains good without new conflicts arising from the loan.

Look for other ways to get relief in paying off credit

If you use a minimum fee because you are unable to pay it in full, there are other ways you can do it. The method is to take part in a bank relief program. This method is certainly better than continuing to make payments for a minimum fee, which is not much different from delaying credit card payments. You can take part in a relief program to get a discount in paying credit card bills.

Relief Program to Pay Off Credit Credits

 

As explained, there are other ways you can use it to pay off the ever-increasing credit card, namely by taking part in a relief program. It is often known that the payment of a minimum payment fee is due to the inability to pay from the owner of the card. Some of the main reasons why a person is held in debt, for example, losing a family’s spine, losing his job (a company where he works to reduce workers), being hit by a disaster, or trading illusively.

To overcome this case, you can use 3 types of bank programs that can ease your burden in paying off debts that are still running:

Discounts / Discounts in One Payment

This type of relief program is good for customers so that the amount of debt is reduced to smaller. As the name implies, even though the customer gets a debt discount (usually 20-50%), they must continue to pay in one payment. In some cases, this relief program can give owners a discount rate of up to 70%. So, you don’t have to wait so many years to pay off debt, and of course accompanied by a larger total discount.

Ansuran that is Extended with Low Interest

Unlike the one-time discount program, this program is suitable for those of you whose financials are rather minimum. In summary, customers who have credit card arrears or personal loan arrears can extend the installment period to be lighter, the interest is even lower than the prevailing interest rate. If the normal interest that runs when it is in the range of 2.25%, then there is a possibility to get interest at 0-2% only.

Dissun Ansuran

In contrast to this one program, this type of program is a combination of the two types of programs above, ie customers get a discount and the payment tray is carried out by installments. The bank will also see the situation experienced by the customer first. If the customer is the host that makes it difficult for him to repay the debt, then they are likely to get this program (with the relevant bank records having the program).

To get a relief program such as the three options above, you may ask for help from a company that provides debt management programs. Companies that provide debt management programs like this usually have experienced troops who are professional in helping you to strategize in paying off debt. What’s more if you have multiple debts at various banks once, of course companies that provide debt management programs can help you in formulating strategies and deciding which type of arrears to be settled first following your financial situation.

One of the advantages of using a company that provides a debt management program to overcome your credit card debt problem is so that you can focus on finding funds to pay off debt. At this time a consultant from the company that provides a debt management program plays a role to help you get the best waivers, so that you are able to pay off the debt tray, without the need to pay for credit cards with a continuous minimum payment One company that you can use is Barry Lyndon.

Barry Lyndon International is the first technology-based professional services company in Indonesia, which provides a debt management program. This program is designed so that customers who are held in debt are able to control their original financial condition. Barry Lyndon Indonesia assists clients through a specially designed debt management program according to different requirements for each client. This program is a combination of upbringing on various opportunities to increase income and reduce expenses, and conduct negotiations on the terms of existing bank loans so as to reach the amount of payment that is in accordance with the ability. Barry Lyndon Indonesia’s central official was established in Jakarta in 2015 by a founding team that has collective experience in the financial sector including debt settlement for more than two decades. Barry Lyndon has made Indonesia as a center of operations once a blueprint for the company’s development plan to other ASEAN countries. Since July 2016, Barry Lyndon Indonesia has become the first company in Asia to obtain accreditation from the International Association of Professional Debt Arbitrators (IAPDA).

Rürup-Rente und ihr Modell

Die rente ist ein Umlage-modell, schatz heisst alle Renten eines jahres muessen die beitraege und verwaltung dieses jahres decken. Es gab bis adenauer ein Fond Modell, in dem es Ruecklagen gab, doch auf die wurde gierig geschielt, und so das umlage-modell eingefuehrt. Die Rücklagen wird abgefischt, und seither heisst es froehlich, die Rente ist sicher. Denn, sollte die Umlage mal nicht klappen, gibt der staat ja ne Garantie. Und wie wir sehen wird diese ja auch eingehalten, waehrend noch die Überschuesse in den 90ern in die Einheit geflossen sind, wird nun bei lehren kassen grosszuegig die rente gekuerzt, und die beitraege erhoeht. ne tolle staatsgarantie des umlage-modells. Auch irgendwelche Fondsmodelle erwirtschaften die Renten aus dem laufenden Einkommen, volkswirtschaftlich gesehen wird nirgendswo und niemals Rente “angespart”. Ebenso sind alle diese Privatversicherungsmodelle mit Aktien, Fonds etc das ganze Papier nicht mehr wert, wenn die Wirtschaft bzw der Aktienmarkt crasht. Da muß man sich schon sehr sicher sein, daß der Kapitalismus ein zukunftssicheres (= nachhaltiges) und dauerhaftes Wistschaftsmodell ist. Angesichts der Grenzen des Wachstums auf einer endlichen Erde eine gefährliche Illusion.