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Important contact point for SMEs: new knowledge platform "bexio University"

Important contact point for SMEs: new knowledge platform "bexio University"

Anyone with a legal question can in future have questions answered free of charge over the phone. This is made possible by Protekta's JurLine, which was integrated by bexio. Bexio is a business software company and has? Bexio University? founded.

Safe and efficient business processes possible

With the University platform, Bexio wants to ensure that SMEs in Switzerland can plan and process their business processes efficiently, digitally and securely. Of course, there are always legal questions that are usually very costly answered by a lawyer. It should be significantly cheaper with JurLine and the? Bexio University? go, whereby the platform mentioned benefits from collaborations with now more than 50 partners. Legal questions can be, for example:

    • Can an employee be dismissed because of a permanent delay?
    • How can I collect accounts receivable from a customer?
    • What do I do if the insurance does not pay?

Often enough, the efficiency of a company depends on how safely it can act from a legal point of view and which decisions are made on a legally sound basis or which cannot be challenged. More than 30,000 customers are now using bexio and can now quickly and directly receive information on important legal issues over the phone.

Full functionality of the software

Experienced lawyers answer entrepreneurs' questions and thus ensure that the business remains legally secure. Information is provided on all areas of law as long as it relates to Swiss law.

There are no restrictions on the number of inquiries: Anyone who has questions can ask them regardless of how often he or she has already called and needed help. Anyone who has booked the full functionality of the bexio software can now use the legal advice. If you have restricted packages, you can also book the legal function.

Last but not least, the new knowledge platform? Bexio University? in the process of working more efficiently. The digital platform is aimed at SMEs and fiduciaries and offers all relevant information about digitization, sales or online marketing. It will be added step by step and will therefore not remain up to date. New content means that the platform can be used as a point of contact for further training.

Internal and external experts work together here and share their know-how with inquisitive entrepreneurs. Above all, it is about giving entrepreneurs the tools they need so that their company can be successful and remain competitive. The administration of SMEs is also the focus. The software offers the possibility of individual adaptation of the platform through the above-mentioned 50 partners who make their applications available. For example, there can be interfaces to the online shop, other solutions and offers for online payment, as well as apps to automatically book expenses.

Conclusion: With bexio, entrepreneurs are well equipped

The company software from bexio offers companies a constantly expanding basis for new knowledge. It deals with all topics that affect daily corporate life, knowledge content is constantly being updated. In addition to this? Bexio University? Protekta's new JurLine is a very interesting offer for SMEs. Experienced lawyers answer the caller's questions, regardless of how often they answer. Advice is included in the comprehensive software package, otherwise this product can be booked.

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Ski vacation in Corona times: travelers need to know that

Ski vacation in Corona times: travelers need to know that

An end to the corona pandemic is not in sight in winter, on the contrary. In general, people are advised to avoid contact and ideally to stay at home. And who still wants to go on a skiing holiday? It is important to note these things.

Winter holidays are not possible everywhere

The smaller ski areas in particular are still lagging behind and have not yet started operations. Some of them will probably remain closed for the whole winter as the costs for opening and maintaining them are too high given the expected low income. The Fideriser Heuberge and other ski areas will remain completely closed.

However, some of the larger ones have already started operations, and there are currently no operational restrictions. The Swiss Cable Car Association is also not aware that such restrictions will have to be implemented anytime soon. Before arriving, however, travelers should find out which conditions are currently applicable in the respective ski area.

Low infection rates through masks

The winter sports areas want to ensure that as few people as possible get infected. This should be achieved by consistently wearing masks. The obligation to wear the masks applies in all closed rooms such as gondolas or restaurants.

The masks must also be worn on the lifts and in the waiting area in front of the lifts. The Swiss Cable Car Association has developed a protection concept for queuing at the lifts, which, among other things, provides for markings so that those waiting can orientate themselves about the correct distance. In addition, staff should ensure that there are no large crowds of people and that the waiting time is? is spent.

Important: No masks other than those industrially manufactured and commercially available as? Hygiene masks? available coverings. Some manufacturers are currently working on neck tubes, which also have to be certified and which are still in development. This would reduce the constant putting on and taking off the mask, which ultimately benefits hygiene and a lower risk of infection.

But the neck tubes must also comply with the recommendations that were sent to the Federal Office of Public Health by the Swiss National COVID-19 Science Task Force. This is not yet the case. Conventional neck tubes are not certified and therefore not approved. They are not an alternative to the hygiene masks.

Further regulations for ski vacationers in Switzerland

The Swiss Cable Car Association currently does not impose any restrictions on passengers in mountain railways in terms of transport capacity. However, some ski areas regulate this independently, so that there may be deviations and tightening of the specifications. Andermatt-Sedrun limits the number of people who can be transported in the Gemsstock ski area. If you want to use the gondola, you have to make a reservation here.

Furthermore, ski schools are encouraged to prevent crowds. Schoolchildren in the ski schools must be taught at different times. If ski races are held, there must be longer breaks between the individual categories, otherwise there is a risk that the spectators will mix too much. For the ski schools, the national rough concept applies, which they can use as a basis. On this basis, the regulations are individually adjusted.

Help, I can't go on the ski vacation!

If you cannot go on a ski holiday because there is a positive test for the corona virus, you have several options. On the one hand, travel insurance can help to reimburse the costs of unused skiing holidays. On the other hand, some ski resorts have shortened the cancellation period, it is now only valid 48 hours before the start of the trip.

It is also important what to do if a Corona case occurs in the holiday destination: A private initiative (? Switzerland goes skiing !?) has promised that individual regulations will be found for unused services in individual cases. What this means in detail is still unclear.

Conclusion: the ski vacation can come

Switzerland has taken some essential precautions in order to be able to open the ski resorts this Corona winter. However, many small ski areas will not start operating. For others, the strict mask requirement applies, whereby only certified hygiene masks may be used.

It is also important to ensure that there is sufficient space. If you cannot start your trip, you will hopefully have travel insurance or you will have to hope for goodwill from the hotel.

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Federal Council calls on health insurers to reduce reserves

Federal Council calls on health insurers to reduce reserves

The Federal Council would like the health insurances to reduce their reserves because, in the opinion of politicians, they are too high. In doing so, the Federal Council relies on voluntariness, at the same time a requirement should be made for the funds: No reduction in reserves for advertising purposes!

Voluntarily reduce reserves to compensate for high premiums

The Federal Council has suggested that the Swiss health insurers should voluntarily reduce their high reserves. This should be done in favor of the insured. To this end, the Federal Council proposes that the conditions that apply to insurers and under which they can voluntarily reduce their reserves be relaxed. At the same time, it should not be possible to use the reduction in reserves to attract new insured persons and thus subject them to commercial interests.

The Federal Council also defines a relationship that arises between income and expenditure, with the income coming from the premiums paid by the insured. The health insurances must have this newly defined relationship in order to be able to tackle a reduction in reserves. This requires an application to offset the high premium income, which must be granted. The Federal Council would also like the requirements that apply to reduce reserves to be laid down in the Health Insurance Supervision Ordinance. So far they have been sent to the health insurance companies in circular letters. The background is that this is intended to strengthen the legal security of insurance companies.

Premium reduction positive for low-wage earners

At the end of 2019, the reserves of the health insurance companies were around 11.3 billion Swiss francs, which was one billion more than at the end of 2018. The registers had set a new record. However, the Federal Office of Public Health does not intend to announce the actual reserves for a few days or weeks; this should happen at the same time as the announcement of the new insurance premiums.

The health insurers can apply to the Federal Office of Public Health to offset the premiums. But is that only possible if the income? so the premiums? in the relevant canton in that year exceeded the accumulated costs. The Federal Office of Public Health sets a standard of solvency that the health insurance company in question must still achieve. This quota must be 150 percent and that after the depletion of reserves and under adverse circumstances. Only then can the reserve reduction be approved in principle. Whether or not this is the case in individual cases has to be decided individually.

For the current year, the Federal Office of Public Health plans to reduce CHF 27 million, at least the BAG states this amount on its own website. In the previous year, the reduction in reserves was significantly higher, the approved compensation payments were CHF 158 million. The Swiss Confederation of Trade Unions is now calling for a higher reduction in reserves in the current year. Low-wage earners, in particular, would benefit if the premiums were lowered. This is especially true against the background of the still current Corona crisis, which has led to massive losses in income in some cases. Low-wage earners could get some relief and at the same time insurers would not use the depletion of reserves for commercial purposes.

Conclusion: Federal Council calls for a reduction in reserves

The reduction of the very high reserves, as the Federal Council put it, would mean that low-wage earners in particular would be relieved through lower premiums. The currently targeted reduction is around 27 million, which would be almost a sixth of the reserve reduction from the previous year.

However, it is not known why the Federal Office of Public Health is setting the reserve reduction so low. However, it is actually not limited to this sum, nor is the type of reduction through a reduction in premiums or through special payments.

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Do you need legal protection insurance?

Do you need legal protection insurance?

Not always all disputes can be resolved in all goodness and from time to time there are legal disputes. Some of them end up in court and legal representation is required. This in turn can be expensive! Now would legal protection insurance be good? or not?

What is included in legal protection insurance?

Contrary to popular belief, legal expenses insurance does not include everything. On the one hand, the costs are only paid up to the contractually agreed amount and not unlimited. The insurance covers, for example, costs for advice from and representation by a lawyer, legal costs, compensation, costs for translations or bail bonds.

The latter are not really covered by any insurance, they are only granted as an advance. Legal cases that occur or are negotiated abroad are significantly more expensive, but at the same time are usually less well covered by the insurers. The sums insured are lower.

Legal protection insurance costs between 130 and 290 francs a year if the insured is single and 30 years old. Family insurance costs between 150 and 350 francs a year.

Do you really need legal protection insurance?

The question has to be asked differently: How big is the risk of getting involved in a legal dispute? For example, if you live next to belligerent neighbors and can expect to be sued for every little thing, you certainly need such insurance more than someone who stays out of all disputes and is not otherwise involved in trouble.

At the same time, the range of insurance companies is huge and the advertising promises great: It seems that every legal case can be insured! Of course, this is not the case and it is not uncommon for legal protection insurance to fail in precisely the case in which it is to be claimed.

Benefits are usually excluded, especially in family and inheritance law matters as well as in the area of tax law.

However, it always makes sense to have legal protection insurance for traffic, which is also recommended for constant pedestrians. However, insured persons should make sure that they do not have double insurance, because that becomes unnecessarily expensive and does not help in an emergency.

Important to note: As a rule, legal protection insurance has a waiting period. This means that the insurance will not be paid if a legal dispute was pending when the insurance was taken out. So anyone who quarrels with the other party involved in the accident no longer needs to take out legal protection insurance. This would not help a bit, because the waiting period is usually at least three months.

Conclusion: Legal protection insurance is not absolutely necessary

Legal protection insurance promises a lot, but does not keep everything. The reason is that the advertising suggests taking over numerous legal cases, but at the same time the most important areas are excluded. In particular, insurers do not pay in areas of law in which disputes are particularly frequent and can be very expensive.

Tax law, family law and inheritance law are the three areas of law in which people quarrel the most and which insurers do not benefit from. Otherwise, legal protection insurance is recommended for all those people who are at high risk of getting involved in legal disputes.

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Corona boosts online life insurance sales

Corona boosts online life insurance sales

Insurers complain about a decline in the direct sale of life insurance by Corona. The reason: People want better personal advice. But at the same time there was a boost due to the corona: Now life insurances are increasingly being taken out online.

Innovation in the sale of life insurance

Digitization has long since found its way into insurers and has ensured that life insurance policies can now also be taken out online. What was unthinkable for many people until recently is now a reality. No customer advisor will come home anymore, even though the need for advice is significantly greater when buying life insurance than when buying household or car insurance.

But people are now less keen to bring a customer advisor into the house and prefer to gather the necessary information online. New forms of counseling are the order of the day, and it is mainly video chats that score points with customers.

The nationwide lockdown in spring 2020 meant that insurers had to break new ground, because selling life insurance policies purely online without prior advice is simply unrealistic. People who want to be bound by a contract for as long as they do with life insurance want good advice with comprehensive information. 

This in turn meant that new methods of counseling had to be developed or the already established methods had to be made more accessible. The willingness to also take advantage of online advice has recently increased significantly among older customers too. At the same time, the inhibition threshold that had previously prevented many people from selling insurance online has fallen.

New procedure with the greatest possible security

Within just a few weeks, many insurers like Zurich Versicherung started up again and developed the technical requirements further. These had to be given for the online sale of life insurance and other insurance products. At the same time, new interfaces were needed through which the insurance can be sold.

The necessary infrastructure, on the other hand, was already available in most cases and could be used accordingly.
However, the insurers were still unsure about the right time to launch digital sales for insurance companies. The customer potential is great and goes far beyond the previous target group of people who were born between 1981 and 1996.

An important aspect of online life insurance sales: security must be guaranteed in any case. Each customer must confirm their identity before a deal can be booked as such. This is only possible if the insurer has an official ID document. In turn, this has so far only been possible if the person concerned has appeared in person at the insurance agency.

However, insurance companies can replace this procedure and rely on digital identification, which complies with the strict requirements of the Swiss Financial Market Supervisory Authority.
The customers of the insurers can do an ID check before taking out the insurance by following an identification process on the smartphone. Regardless of agency opening times, it is possible to be identified, the process is done in a few minutes. The person and ID are photographed via an app, the document and the information it contains are checked via a video.

The new ID check is already being celebrated as a digital breakthrough and represents the last link in digital identification. Customers can still get personal advice from a broker and then carry out the ID check in order to take out life insurance.

Conclusion: Digital offers are giving life insurance a boost

While many insurers have to complain about a decline in the sale of life insurance thanks to Corona, other providers are breaking new ground and taking advantage of the opportunities offered by digitization. They offer a new way of online identification and combine this with video chats for advice.

Customers no longer have to come to the insurance agency or greet a broker in their own four walls. Distance is maintained, but advice does not fall by the wayside. The result: More life insurance policies are being taken out again.

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Take care of the financing? despite the mortgage

Take care of the financing? despite the mortgage

Many people feel that once they have the mortgage in place, they won't have to worry about further financing. The mortgage is only an important part of the total real estate financing that goes well beyond that.

Mortgage and other aspects of financing

It's done: the mortgage has been taken out and will run for the number of years provided. It is an important part of the overall financing for a property. But given the term of a mortgage, it's clear that a lot can happen here. The living conditions in ten years' time may not be the same as they are now, maybe the main breadwinner has also failed.

A lot can happen, from disability to divorce and death, and even a simple addition to the family can mess up the entire financing. This means that both happy and sad, but always unforeseen events can cause a major financial mess. The age at which the mortgage was taken out also plays a role: If you took out a mortgage a few years before retirement, you must make sure that it is still sustainable even if you lose regular income.

All of this must be taken into account when planning funding. There are different ways of protection, some of which can even have a tax-optimizing effect.

Save with the 3rd pillar

The 3rd pillar is a very good way to save money in an emergency. Because the saved money can be used to amortize the mortgage if necessary, and it also offers the opportunity to secure your own family. This applies to the death or disability of the main earner and saver. Last but not least, savings in the 3rd pillar can save taxes, which in itself should be an incentive in itself.

Every year, a certain amount can be claimed in the tax return for retirement provision, whereby the contributions to savings can go to banks or insurance companies. The balance from Pillar 3a may be included if it is used for the purchase, the amortization of the mortgage or for conversions and renovations of owner-occupied residential property. If self-employment is started or a disability occurs, the credit may also be offset against tax. 

This also applies if the saver emigrates or if he uses the money five years before regular retirement. The contributions that are paid in here can be deducted directly from taxable income. When withdrawing the money, a tax is also due, but this must be offset against the reduced tax rate.

The contributions that are paid into pillar 3b can only be partially deducted from income or with restrictions. The payment of the credit is tax-free, and a benefit in the event of death can also be set here. This is particularly helpful if unmarried couples buy their own home and the possibility of preferential treatment in pillar 3a is too limited.

Value-preserving measures are also deductible: If a new kitchen is installed or the roof is re-covered, the expenses for it can be deducted from taxable income.

Conclusion: The financing must always be kept in mind

Much can happen in the course of a mortgage that was not foreseeable. It therefore makes sense not to lose sight of the financing as a whole and to check it again and again over time. With a home in particular, the first major renovation work has to be carried out after around ten to fifteen years, which must also be financed.

A new roof or a new heating system swallows up huge sums of money that was usually not saved on the side. Such expenses must be taken into account as well as the possibilities that arise from a tax point of view. Expenses for owner-occupied residential property can be offset against tax and reduce the taxable income. The 3rd pillar of pension provision, which is also relevant for tax purposes, must also be taken into account.

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Less life insurance: Claims business is growing at Zurich

Less life insurance: Claims business is growing at Zurich

The past year 2020 was particularly decisive for Zurich Insurance in the property business. Life insurances were sold significantly less, however, which was mainly due to the corona pandemic, which was rampant worldwide. New business in this area fell sharply.

Difficult conditions for the sale of life insurance

The first lockdowns were already imposed in spring 2020 and with them came the difficulties for insurance agents as well. Because the measures made their tasks much more difficult, for example they could no longer speak directly to customers. But this is exactly a crucial point when selling life insurance: Potential customers want face-to-face discussions, want to ask questions and seek all-round advice. 

In theory, this can also be done on the phone, but in practice it is rarely handled in this way. The uncertainty of customers is great in view of a long-term contract and many do not want to rely solely on Internet information or information on the phone.

The first evaluations of the sale of life insurances by Zurich Versicherung then also provided evidence of the break-in. The annual premium equivalent collapsed by around a fifth in the first nine months of 2020 and was only USD 2.57 billion. The reasons for the slump were the restrictions that had to be accepted in several markets and which can be attributed to the Corona crisis. 

From a global perspective, however, the insurance business has grown or the decline has been limited, because growth of around seven percent in the third quarter partially offset the decline from the first two quarters.

Better claims business for insurance companies

The sale of property and casualty insurance, on the other hand, is significantly stronger than that of life insurance. The gross premiums here grew by around three percent in the period from January to September 2020. This growth was even faster than analysts expected. On the one hand, the globally increased premium rates were blamed for this.

In North America, for example, Zurich Insurance was able to achieve 18 percent higher premium rates. In Europe, too, the premiums were raised in the double-digit range.
At the same time, people's interest in liability insurance increased, which also caused prices to rise.

However, the greatest growth on the part of insurance companies was recorded by SMEs, because business with private customers was sluggish or only slight increases in profits were recorded. However, the demand for travel insurance declined in the face of numerous travel bans and entry restrictions.

Expected high load

High charges are expected not only at Zurich, but also at other insurance companies. Due to the Corona, high demands are made because of canceled trips, and SMEs also approach insurers with demands for business interruption insurance.

However, this is where the insurers differ, as some have reduced coverage for business closings or removed them entirely from the catalog of benefits. However, insurers could also face higher burdens due to the severe weather damage caused by hurricanes and other weather events.

Overall, insurers have so far been satisfied because their balance sheet remains well capitalized. In any case, this is the way Zurich Versicherung expresses itself, which is optimistic about the dividend policy.

Conclusion: higher damage, but good status of the insurers

In summary, it can be said that insurers are doing less badly in 2020 than feared. Even if they have been able to sell fewer life insurance policies and other products for which customers prefer personal advice, the claims business is still lucrative. On the one hand, higher damages have to be settled here, which is mainly the case due to necessary business interruptions and the resulting claims.

On the other hand, the desire for coverage is growing and more companies are taking out liability insurance. Private individuals also want all-round insurance and are more likely to opt for liability insurance. Contrary to expectations, the insurers could end this year with higher sales and profits than expected.

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Please pay the veterinarian bills directly: Also with an animal insurance

Please pay the veterinarian bills directly: Also with an animal insurance

In most cases, pet owners have to pay the cost of treating their four-legged friend directly at the vet or in the veterinary clinic. The vets play it safe and rarely offer other payment methods.

The most popular method of payment at the vet: payment by invoice

If the pet is doing badly, pet owners only want one thing: The darling should get better as soon as possible, no matter what the cost! The latter is easy to say, because an operation can quickly cost several hundred or thousand francs.

Most pet owners choose the invoice payment method, if they have the choice at all. The advantage of this is that they can focus on their pet's recovery first and take care of the payment later. Unfortunately, this is rarely possible in reality; payment by invoice is almost an exception. The veterinarian usually expects the treatment costs to be borne immediately.

In some cases, new customers cannot even pay by invoice, which is especially the case with veterinary clinics. When asked, they indicate that it would be too risky to offer payment by invoice. After all, one does not know what the payment behavior of the animal owners is like. Regular customers can sooner pay by invoice, new customers then with cash or card.

It is different when it comes to a large invoice, for example for an operation. Here there are mostly cost estimates and down payments are required. The final invoice can then be paid in part by invoice or even in installments, as agreed. Usually both resident veterinarians and veterinary clinics try to find an amicable solution for everyone involved.

In the Small Animal Clinic at the University of Bern, it is customary to request a down payment equal to half the cost estimate, at least 500 francs must be paid. Then the remaining costs can also be paid by invoice.

Common animal treatment costs

Most often there are costs for the initial consultation, which results in further treatment. The first visit to the vet usually costs 50 to 60 francs. The x-ray costs around 130 francs, an ultrasound costs up to 230 francs. If it comes to treatment, anesthesia, infusions, medication, hospitalization and other services are offset, whereby average prices of between 60 and 100 francs can almost always be expected.

For every single item! Emergency treatments are more expensive, with an operation due to a dog's stomach twisting up to CHF 2,000, and a cruciate ligament rupture can cost up to CHF 3,000. The fracture is cheaper, but its treatment still costs around 1500 francs.

In an emergency, however, no veterinarian will refuse treatment because the pet owner has no money in his pocket and has raced straight to the clinic. However, an amicable solution must then be found, because the emergency treatment is of course not free of charge. Normally, despite the time pressure, the usual down payment costs are required, especially since this can be done in the waiting time.

Tip: If you save enough money and put it in a separate account while your animal is healthy, you will not be left penniless and can pay your darling the urgently needed treatment. Animal insurance also makes sense and covers the most important costs.

Conclusion Veterinary bills must be paid directly

As a rule, the following applies: A veterinary bill must always be paid immediately, even if there are individual solutions for the animal owner in an emergency. The most frequently requested payment method by invoice is only offered by a few veterinarians and mostly only for regular customers. The risk of being left with the costs is too great because the patient owners' payment behavior leaves something to be desired.

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Unfair terms and conditions at fitness studios

Unfair terms and conditions at fitness studios

The year 2020 will soon end and the good resolutions are already in the room again. It’s definitely about sport again: The Swiss regularly plan to do more sport. However, fitness studios often not only support the customer's desire to exercise, but work with unfair terms and conditions into their own pockets.

Many studios as black sheep

Consumer advocates have been taking a closer look at Swiss fitness studios for a long time and know that not all terms and conditions are really legal or good. All too often there are complaints about unfair or customer-unfriendly terms and conditions, as the Foundation for Consumer Protection (SKS) knows.

However, there have been significantly fewer such fitness studios recently, most of them have improved their contractual conditions. But regardless of whether small or large studios, whether those with well-known names or new ones on the market: Many see their own advantage first and put a strain on customers' budget and nerves. Therefore, the following things should be considered when choosing a gym:

    • Contract renews automatically
      Subscription contracts are usually renewed automatically at the end of a contract year. Although this is common, according to the SKS it is not justified if the relevant note is only in the small print of the terms and conditions. Reference should be made explicitly to this form of extension. Good studios at least remind their customers of an upcoming extension, so that sports enthusiasts still have the chance to make use of their right of termination.

    • No termination of the contract in the event of absence
      Anyone who suffers an accident can be excluded from the contract. There are actually studios that do not allow exactly that and maintain the subscription despite a long absence of the customer. However, if you can't train for good reason, you should have the option to terminate the contract. The Well Come Fit fitness center is a negative example here because, according to SKS, it is not possible there to terminate the contract in the event of absence. But the spokeswoman for the gym said that was exactly possible. Apparently, only the terms and conditions are formulated in a misleading manner or they are individual decisions.

    • Liability regulation ambiguous
      Customer-friendly fitness studios should state their liability conditions and clearly state who is responsible for damage in the gym. Fitness centers have to accept liability for damages and cannot reject them in general. A studio that generally excludes liability in its terms and conditions should therefore not be selected as a sports partner. This is very customer-unfriendly behavior. Liability should be accepted even for illegal or grossly negligent behavior.

    • Transfer of subscription not possible
      It is a sensible rule: Your own fitness subscription can be transferred to other people, but this is not possible in all studios. Some fitness studios such as Aura Fitness write in their terms and conditions that the subscription cannot be transferred, but when asked by SKS, they replied that it was possible. Here, too, it seems that decisions are made on a case-by-case basis and not general regulations. Not recommended!

Conclusion: When choosing the gym, pay attention to the terms and conditions

The general rule is: if you are looking for a fitness studio, you should definitely pay attention to the terms and conditions. Don't just let a trainer tell you something, even the enthusiastic look into the studio on your first visit doesn't count. The terms and conditions are the measure of all things and regulate the training options and all legal matters. 

The fitness studio should not exclude any liability, and both the transfer of the subscription and the termination of the contract in the event of a longer absence should be possible. In general, it is important that the terms and conditions are customer-friendly and not primarily designed for the benefit of the fitness center. For this, however, a detailed check is necessary in advance.

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Fulfilling Your Own Dreams: Good Reasons for a Personal Loan

Fulfilling Your Own Dreams: Good Reasons for a Personal Loan

Borrowing cannot always be avoided entirely: a new car has to be bought or a long-awaited wish has to be fulfilled. A personal loan that is offered by a competent credit broker can be the solution. These reasons speak in favor of taking out the loan.

1. Bridge financial bottlenecks

Usually it is financial bottlenecks that have to be bridged: an invoice that was not expected, high expenses for repairs or an absolutely necessary new purchase exceed the existing budget and ensure that a solution is required quickly. The loan then helps to overcome this bottleneck, but should itself come up with good terms.

Otherwise, there is a risk of over-indebtedness: the loan cannot be repaid and needs other financing. Therefore, the loan comparison is absolutely necessary before signing a loan agreement!

2. Financing your own training

Your own education or the education of your children costs a lot of money. The following applies: Investing in your own future brings the best interest and is therefore always a good idea. However, the same applies here: The loan must be repayable and should therefore only be taken out in the amount that is absolutely necessary.

However, it has the advantage that trainees and students can fully concentrate on learning and do not have to work on the side in order to get the money they need for training. This usually lengthens the training or studies unnecessarily and ultimately costs even more money.

3. Rescheduling of existing loans

Loans are taken out, the terms firmly agreed. But in view of falling interest rates, an offer from another bank may be significantly more lucrative. Then another loan can be taken out at this other bank, the existing loan is then redeemed with the money. Often there are fees that are known as prepayment fees.

In order to decide whether these will not ultimately exceed a possible saving, it is important to calculate the respective loan costs precisely beforehand.
It can also make sense to take out a personal loan as a forward loan. This is practically concluded in advance and starts on a certain date in the future. It can replace an existing loan and offer lower interest rates.

Obtaining personal loans through credit intermediaries

If the personal loan is taken out directly via a credit broker, that's your own credit scoring. Because: When loan applications are submitted, they automatically go through the ZEK. That in turn means, however, that rejections of such applications can also be found there.

Several such rejections worsen the credit scoring in the worst case to such an extent that an approved loan is no longer even possible. This means that rejections can also occur later, although the applicant's creditworthiness would actually be given. The credit broker first checks the applications very carefully so that entries at ZEK can be avoided.

In addition, it is usually easier to obtain a loan from a credit intermediary than from a bank. Only a few documents have to be filled out and submitted as evidence, often the last pay slip is enough. At a bank, this evidence goes much further and is much more comprehensive. Personal loans from credit intermediaries can usually be applied for online and the offers can be compared from the comfort of your own home.

Conclusion: Many good reasons for a personal loan

The personal loan is a good way of avoiding registration with the ZEK and can be applied for for many reasons. Usually it is a financial bottleneck that has to be bridged. Or it is about the training, which cannot be financed with the usual available means.

The personal loan usually has a lower loan amount than a normal bank loan and often comes up with lucrative interest rates. It is particularly easy to apply for if a credit broker is called in.

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