These solid technical education existed not free for thousands of years. Goldsmiths can precisely determine the fineness. Watchmaker or optometrists have not the knowledge”a goldsmith. So, there are goods with a fineness stamp bears, who in reality is a completely different alloy. This occurs mostly with jewels acquired abroad.

Who would like to sell gemstones, such as diamonds, should a qualified Gemmologist (= gemstone specialist) consult. Only this can determine the authenticity of the jewel with safety. For example, diamonds are valuable and lasting value stones. Bjorn best, Goldsmith in third generation and Gemmolge has made thousands provisions of precious metal. He stressed the importance of a calibrated scale. This, the consumer should take care just so the consumer is sure, not, like the retired couple from Warstein, to be deceived. Also, it is important that the customer gets his money immediately, and on a transfer must wait not until two or three weeks, that may never come. Additional costs for analysis, divorce or a percentage lower remuneration rate should immediately deter consumers.

The police recommends several vendors make an offer consumers who want to sell their valuable family jewelry or coins. Flying dealer or home visits are to ignore anyway. Sometimes, such traders remain only two days in a city where they have settled in another store as a lodger. The purchase and sale of scrap gold is not permitted to them. This is according to a recent judgment of the Administrative Court of Minden in Germany (VG Minden, judgment of March 25, 2009, case No. 3 K 224/09) has been confirmed. Such travel trade Yes also already not serious sound. In Heidelberg, the police, in collaboration with the Ordnungsamt stopped two originating from the former Yugoslavia and in the Frankfurt area men who bought gold in a town hall. They even had a trade licence. Many black sheep in the industry cavort. Should a sale of scrap gold only for professionals take place, and not at the merchant around the corner”. Goldsmiths and gemmologists are the right contacts.

What you owe to the credit note should be who is currently looking for a cheap loan, you will easily find it. Lending rates are very cheap and if you need a loan fast, can be currently faster again debt-free than some years ago. If you already have a loan, is fret most about the current low interest rates. Usually, you pay for many years on a loan from, that to the interest rates, which have been regarded at the conclusion of the Treaty. Who wants to benefit from the favourable credit interest on the market but also in an ongoing credit, cannot refinance the loan.

This is prematurely resolved the old credit and instead set up a new credit agreement. However, there is to note some for credit debt consolidation. It is important that complied with the terms of the existing loan. Are there any special requirements for credit debt consolidation? Often, an early repayment indemnity will be paid by early resolution because the Bank with the continue of the credit interest is calculated. The penalty interest”should in any case not more favourable credit supply rebalance. Is also to be observed that the fees that you paid for the credit (some years ago, they were more common than it is today), get back. Often this fee is 1-3%. The fee can be quite high depending on the amount of credit.

Because these but once is paid at the beginning, there is no way to get them back. Who wants to give up should just look around for the new loan and choose a cheap provider. Cheap providers can be found by using a comparison of the credit. If you need support with the loan refinancing, can help the Bank. The formalities can assume that that one has to cope with, if you would like to refinance the loan. Using a credit rescheduling you can benefit, if you ignored some important things, so from the valid interest.

At the next purchase, memory recalls that a similar piece was bought. Helps austerity measures further among other to save a budget book, without the own default to neglect. Only awareness of the own finances helps to restrain themselves and the daily temptations was to keep. How to lead a household book? Of course remains up to each form in which he leads his budget book. Like Virtual PC freaks can do that, traditionalists choose the booklet form. It is only important that it leads it every day on the expenditure incurred. A day later most people can no longer remember every detail, which cost money. But even the small amounts add up during the time of considerable magnitude as the budget book proves impressively.

The opening of balance sheet over each month emblazoned the output level or as defined budget as the current account balance in the budget book. Do not hesitate to enter him, even if he should be provided with a minus. The budget book will help you to eliminate the Red number. The credit side now the positive: List everything, what you can post within a month as a regular income. Typically, the salary, wage, pensions, supplementary contributions or State benefits will be. If you have annually maturing revenue, such as leases, interest, or royalties, take proportionally calculated with these on the month. Include anything, which is not secure. Get a tax refund, contrary to expectations, you have a nice extra, but not guaranteed spreadsheet size. The fixed expenditure under this heading capture all expenditures, which are needed monthly to ensure your existence.

How far can or will continue this still so? Why is the pension for women lower? All times be taken into account in the calculation of the pension, in which no pension contributions have been paid. For example this would be the mother time in women or general care time, if a spouse or family member on the care of the insured person is instructed. It is usually the women in a partnership, which take care of the upbringing of children; the trend is decreasing, however, because today more and more men stay at home while the women take care of their professional career. This is one of the reasons why the scissors, which shows the distances between of the pensions of men and women, joining more and more; or even in the opposite direction. How does it influence his pension? As a general rule: the longer one waits with the entering of the pension, the more money you can get monthly, because logically no contributions are paid during these months. Per month, the man less Works, decreases the pension by 0.3%. Who is so five years earlier in retirement than the average, which must reckon with 18% deductions and this is a fairly large sum. How can you find information about his own pension? There are pension consultants who specialize in the details of the pension, such as pension contributions, retirement age, and type of annuity.

With a pension consultancy, you can learn all you need to know about insurance, rights and obligations. You get accurate information to all of his questions and have thereby not even suspicious that it is pushed by the pension consultants in a certain direction of certain insurance or similar. This is because that pension consultants are freelance, independent representatives who want to represent only the interests of your clients and are engaged by any insurance providers. Have a specialist retirement advice be consulted? Generally this is not necessary. Many pension consultants offer on your website various articles for all possible insurance areas, allow themselves to share, before you pay financially for personal advice. Just at the present time, almost all cases are solved especially in cases of illness in the self-diagnostics and everything on the Internet is regulated, it is important to show what they know also for pension consultants. Therefore, many Web pages of the specialists are nearly overflowing with articles that explain various problem cases involving pension consultants already have deals; However current examples are separated on many of the older incidents, so that you can find faster just about changes that just only are in force.

No pension is the youth of today have more later rumor or fact? Actually heard today, especially by young people themselves, that they will have no pension at all yet but is that so? Can / do as far as ever come? In principle you may not require of people that they work on the rest of her life and may never come to rest. However, there are also more and more older people, whose rente must be financed somehow. If the number of older people in Germany continue to rise, also the retirement age will have to rise or the pensions are reduced.