wltheory.com http://www.wltheory.com My WordPress Blog Mon, 24 Jun 2019 14:51:00 +0000 en-US hourly 1 https://wordpress.org/?v=5.2.2 There can be a lot of money to save http://www.wltheory.com/there-can-be-a-lot-of-money-to-save/ http://www.wltheory.com/there-can-be-a-lot-of-money-to-save/#respond Mon, 24 Jun 2019 14:51:00 +0000 http://www.wltheory.com/there-can-be-a-lot-of-money-to-save/ Do you need to borrow money? So always remember to get offers from several banks. There can be a lot of money to save.There can be a lot of money to save

Cases where the users have saved money

4 cases where the users have saved money

We have made an infographic with 4 specific cases where the borrower has used Good Finance to receive loan offers from several banks and saved a lot of money.

Save money on your next loan Fill only 1 application and receive offers from several banks Apply now

Besides the opportunity to save money

Besides the opportunity to save money

Besides the opportunity to save money, Good Finance also saves you for time. You only have to fill out one application to receive offers from several banks, which you can easily and easily compare. Choose the best loan offer, after which the bank transfers the money immediately.

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All weekdays from 10.00 – 16.00

All weekdays from 10.00 - 16.00

It must be easy and safe to borrow money through Good Finance. Therefore, you are always welcome to call or write to us at customer service @ Good Finance.dk, if you have any questions about us. Sign up and receive our newsletter, as well as marketing financial products and related services

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Detailed about RPMN http://www.wltheory.com/detailed-about-rpmn/ http://www.wltheory.com/detailed-about-rpmn/#respond Sat, 15 Jun 2019 15:04:57 +0000 http://www.wltheory.com/detailed-about-rpmn/ The annual percentage rate of charge (APR) is the most important indicator of the loan price for the borrower. It includes interest on the loan, handling fee, as well as one-off and regular fees, insurance if it is a prerequisite for obtaining a more advantageous interest. It does not include fees that are not related to the payment of a loan, such as default interest, insurance, fee for early repayment. If the interest rate of the loan changes over the maturity period, the RPMN does not reflect this change. It is true that the lower the RPMN indicator, the more advantageous the loan to the applicant.

How is the RPMN indicator calculated?

How is the RPMN indicator calculated?

The description of the method of calculating the Annual Percentage Rate ( RPMN ) can be found in Act no. 129/2010 Coll. on consumer credit and other consumer credit and loans and amending certain acts and Directive 2008/48 / EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102 / EEC.In the annex to the directive we find the formula and description of the individual parameters of the RPMN calculation:

Which parameters are needed to make the calculated RPMN value correct?

Which parameters are needed to make the calculated RPMN value correct?

  • Consumer credit amount (loan amount, principal)
  • repayment period (from 7 days to 10 years)
  • interest rate (the rate at which the interest is a loan),
  • regular loan repayment (amount of interest and part of principal over the period)
  • repayment interval (usually a month, but there are also weekly installment loans)
  • additional initial costs (fees usually paid by the applicant at the beginning of the loan period, fee for examining the application, for concluding the contract, for providing the loan)
  • number of days (until the fee has to be paid from the loan).

The result will be some data to help the applicant compare different financial products:

  • Total amount paid (includes installment amount plus additional costs)
  • Total interest paid (amount of repayments minus principal, minus additional costs)
  • APR (annual percentage of loan value).

Comparing financial products using RPMN only makes sense if the parameters entered in the calculation are the same. Otherwise, the comparison will lose its meaning.

Charges included in RPMN can be divided into two types:

– one-off (for example, a loan fee),

– regular (for example, insurance paid by the client on a regular basis, together with a monthly installment).

The National Bank of Slovakia emphasizes on its website in the section of Financial Consumer Protection that:

If the RPMN is not specified in the contract or the lower RPMN value is specified in the contract than it actually has, the loan or loan thus granted is considered to be interest-free and free of charge. Consumer credit is also considered to be interest-free and free of charge if the APRC exceeds the highest allowable amount (this is not the case for home loans!).

How does the repayment term of RPMN work ?

How does the repayment term of RPMN work ?

If the applicant enters a longer repayment period into the bank calculators, it usually gets a lower RPM. Why is it so? In general, the additional costs are paid by the applicant at the beginning of the repayment period, and since these costs are spread over the entire repayment period, the longer the time, the lower the APR. But, of course, the amount of the indicator is also influenced by the fact that financial institutions offer clients low interest rates if they choose a long repayment period.

Let’s look at the following example. The applicant needs EUR 5000, the loan parameters are in the following table. It is clear that the € 50 fee has increased the percentage of the APR, but the loan price, if repaid in 12 months, will be much lower than if we had chosen a long repayment period of 96 months:

The loan price for the 12-month repayment period is: UR 213.48.

The loan price of 96 months is: 1343.36 EUR.

Therefore, it is important for applicants to compare with the APR and to be cautious when applying for a loan or loan.

  • initial costs
  • APR
  • redemption
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How do I save money on travel http://www.wltheory.com/how-do-i-save-money-on-travel/ http://www.wltheory.com/how-do-i-save-money-on-travel/#respond Thu, 13 Jun 2019 15:06:46 +0000 http://www.wltheory.com/how-do-i-save-money-on-travel/ In a previous blog post, Good Lender. gave good advice on where to borrow money for your trip. In this post you get input on how to find the dream trip, whether it is a road trip through the US, charter holiday with beach and cool drinks or experience the world’s vibrant and amazing cities.

Are you also curious about how to find your next trip

Are you also curious about how to find your next trip

3 good pages to find a cheap trip:

  1. Take Offer
  2. Holidays
  3. Bownty

Who can help plan a vacation

Who can help plan a vacation

To start with, consider where you want to go and what you want to experience. There are many different travel companies that offer tailor-made trips that match exactly your wishes.

Many travel consultants are themselves very well traveled and can thus share their own experiences. It creates good security and credibility in relation to the destination of the trip and its possibilities.

Also read Where to borrow money for a trip

If you want to plan yourself

In line with digital development, it has become much easier and often somewhat cheaper to plan your trip yourself. When booking airline tickets, hotels, car rental etc., platforms like Momondo, Trivago, Booking.com and many others help you find the best price. That way, you decide for yourself where and when you want to travel, and you can choose between many departure times and accommodation options. So, instead of spending a lot of time comparing prices you can compare, these platforms work for you.

When is it cheapest for me to buy air tickets?

When is it cheapest for me to buy air tickets?

There are many ways to find cheap flights. But various tests and studies also show that it is worthwhile to book on certain days and times. We have collected 6 good tips that you can take with you in your future travel planning.

  1. Please book 6 weeks in advance
  2. Get newsletters from your preferred airline
  3. Buy single tickets instead of return tickets
  4. Go for specific days and times (many airlines have a low-cost calendar)
  5. Make use of travel search engines to compare prices from different companies

What if I am not into hotels?

Traditionally, many have booked a hotel or holiday apartment at the destination. But in recent years, a platform like AirBnB, where private rents their homes, has gained more and more. In this way, you get closer to the local environment and, to a greater extent, get a homely atmosphere compared to a hotel. Airbnb is an easy, quick and easy way to find accommodations. And in many cases it is also cheaper than hotel and with slightly more flexible check-in and check-out options.

A similar service is Couchsurfing, which is obvious if you are traveling alone and want to meet new people and get close to the country’s culture. You will be accommodated at a “private host” who will provide a couch / bed (including couchsurfing) and you will live with this person. You might get a friend for life.

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What are the particularities of a young booklet? http://www.wltheory.com/what-are-the-particularities-of-a-young-booklet/ http://www.wltheory.com/what-are-the-particularities-of-a-young-booklet/#respond Mon, 20 May 2019 14:16:55 +0000 http://www.wltheory.com/what-are-the-particularities-of-a-young-booklet/ In the face of uncertainty about economic stability, parents and young people are looking for investments that provide greater security and returns. Conscious of the concern of their potential customers, banks and financial institutions have set up a range of savings devices. This helps to protect against inflation and sees itself as an opportunity to build a significant personal contribution. Especially for young people, saving provides an opportunity to achieve more ambitious goals.

Having a savings account from an early age allows a child to learn how to manage their money. Subscription to this type of savings also has the advantage of free. Managing, transferring and closing the account will not cost you anything. In addition, savings products for children are flexible. You are free to set their amount and duration.

Definition and principle of the device

Definition and principle of the device

How to invest my money? This is a question that parents and young people looking for economic insurance are asking themselves. To meet their security and profitability needs, financial institutions design favorable products such as the youth booklet. This is a savings offer for 12-15 year olds.

Each bank is free to set the interest rate of their young booklet. However, the law requires that it must not be less than 0.75%. Generally, this savings product has a higher rate than other formulas such as Livret A. With regard to the ceiling, the latter is set at 1 600 euros, an amount not considering the accumulated interest. In other words, the account may contain a sum exceeding 1,600 euros. Be aware however that the deposit is no longer possible if the ceiling is exceeded. You will not be able to make a payment until the balance goes below the maximum limit after a withdrawal.

What availability for the beneficiary?

What availability for the beneficiary?

The youth booklet is a savings account that allows you to make a smart investment. Offering its holder the opportunity to build up a considerable personal contribution, it allows you to undertake with confidence a future investment and no longer wonder how my money.

Beneficiary of the booklet can make withdrawals by cash or by credit card

Beneficiary of the booklet can make withdrawals by cash or by credit card

A minor may, at the age of 12, subscribe to a young booklet without the intervention of a legal representative. However, he is obliged to communicate the details of his parents. With regard to deposits, these can be made by check. In addition, the beneficiary of the booklet can make withdrawals by cash or by credit card from the age of 12 years. However, parental authorization is required until the age of 16. From this age, the account holder is free to withdraw money unless opposed by their legal representative. Apart from this, it should be emphasized that some banks set each transaction at a minimum of 10 euros.

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Dave Brandstetter enters into a sponsorship agreement http://www.wltheory.com/dave-brandstetter-enters-into-a-sponsorship-agreement/ http://www.wltheory.com/dave-brandstetter-enters-into-a-sponsorship-agreement/#respond Fri, 17 May 2019 14:11:55 +0000 http://www.wltheory.com/dave-brandstetter-enters-into-a-sponsorship-agreement/ November 2016 was the year and month when Dave Brandstetter for the first time put his feet in the office community in Copenhagen Fintech Lab. It was here that the journey began, and Dave Brandstetter was actually one of the first companies to use the office community.

Since then, a lot of water has flowed through the river, and in June 2018 Dave Brandstetter grew out of the lab and made room for new innovative fintech startup companies.

We still want to be the strong link to the fantastic ecosystem

We still want to be the strong link to the fantastic ecosystem

But even though Dave Brandstetter has left the lab, we still want to be the strong link to the fantastic ecosystem that Copenhagen Fintech has created. In order to maintain the strong connection and at the same time give back to the ecosystem that in its time helped Dave Brandstetter make good progress, we have chosen to sign a 3 year sponsorship.

According to the three founders Frederik Murmann, Christoffer Nylandsted and Peter Grunnet Wang this means a lot to be able to give back.

“When our journey with Dave Brandstetter started, Copenhagen Fintech and the entire ecosystem helped us open a lot of doors and create contacts that make us today where we are. Therefore, it means a lot for us to be able to give back, so other hopeful startups can get the same opportunity, ”they all say.

CEO entered the board

CEO entered the board

In addition to the sponsorship, Dave Brandstetter’s CEO and co-founder Frederik Murmann was also elected to Copenhagen Fintech’s Board of Directors, where together with the rest of the board and the entire team behind Copenhagen Fintech must ensure the continued success that has already been created.

“I am really happy to be elected to the board of Copenhagen Fintech, and I am pleased that there was support for my wishes for Copenhagen Fintech’s future,” says Frederik Murmann.

Who have grown beyond the early start-up stage and become more established

Who have grown beyond the early start-up stage and become more established

One of Frederik’s wishes for Conpenhagen Fintech’s future is, among other things, that the organization must also embrace and help the fintech’s who have grown beyond the early start-up stage and become more established.

“With Dave Brandstetter we have gone from being a brand new start-up to today being an established fintech company, which cooperates with 7 banks and has 13 employees. It is a journey where I have learned a great deal, which I would like to contribute to help other companies on the same journey, ”concludes Frederik Murmann.

In addition, the board position also contributes to creating an even closer bond with the entire fintech ecosystem.

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