Those who have neither customers nor relatives or friends who can help with financing, or who simply don't like working with banks, have it much easier today than before 2007. Entrepreneurs or founders can post their loan or credit requests on Internet platforms, following the example of the "eBay" auction platform, and hope that lenders will come forward. Also for those who need financing between 1.000 and 25.000 euros, this route can be a sensible solution.

What is still in its infancy in Germany has long since become established in the USA with prosper*com. However, registration there is only possible for US citizens. It is expected that money transactions via the Internet will continue to grow in Germany as well. The "zopa" platform is active in England, the USA, Japan and Italy, for example – we may hear about it in German-speaking countries as well. One thing is for sure: It is exciting to watch the further development – such a young industry with good prospects for the future will certainly still change. But the foundation stone has been laid, and many small companies and also small investors are benefiting from it.

In many places in the USA, so-called "election deniers" are up for election. If they were elected, it could be dangerous.

In many places in the USA, so-called "Election Deniers" are standing for election. If they were elected, experts say it could be dangerous for U.S. democracy.

In the USA, so-called "election deniers" are on the ballot in many places. If they were elected, this could be dangerous.

What are the similarities and differences between the savings and loan crisis (S & L) of the 1970s through the 1990s and the subprime crisis in 2007?

The savings and loan crisis and the subprime mortgage crisis began when banks created new profit centers after deregulation and reached a tipping point due to an economic shock. The main differences between the two banking crises were the impact on the broader economy and the size of the bailouts.

Which party do the workers and youth in the Spanish state need??

Esther Vivas in Berlin

Good credit plays an important role in your financial life. It is important not only for obvious things like applying for a loan or getting a credit card, but also for less obvious things like applying for a cell phone, renting a car, and maybe even getting a job. Click here to download the package "The Importance of Credit History and Successful Saving," or read below.

  • What is a credit report and score?
  • Why saving is so important for good credit?
  • How to start saving?
  • Why good credit management is so important?
  • 5 tips for building good credit
  • Is a credit repair a good idea?
  • What is loan consolidation?
  • What is a debt management plan?
  • Where can I get help with debt that I can't pay off?
  • FDIC template for secure accounts
  • Frequently asked questions about credit
  • Additional resources



Mezzanine financing allows companies to bridge the gap between equity and debt capital. Companies often need quick access to equity capital in order to develop cost-intensive projects. Mezzanine financing is the viable alternative to traditional loans.

Nikolaj Schmidt, chief international economist at T. Rowe Price

Chronically weak demand and low interest rates are more the result of deleveraging than symptoms of long-term stagnation, says Nikolaj Schmidt of T. Rowe Price. As a result, the global economy is arguably in much better shape than many believe.

Car insurance is one of the types of insurance that cost the most for most consumers. After all, car liability insurance with partial or comprehensive coverage can cost more than 1.000 euros in premiums per year. In fact, there are several ways in which policyholders can reduce the amount of insurance premiums they have to pay.

In the article we would like to go into more detail about the possibilities you have to save premiums in the context of car insurance. A large number of the savings options apply to almost all car owners, while other options are suitable for a small group of policyholders or are not often feasible in practice.

The cooperative negotiation style aims at making the piece of bearskin to be distributed larger.

New investors are often inundated with advice on how they should and should not invest their money. However, there are a few tried and true rules for investing money, one of which is to diversify your portfolio. In other words, don't put all your eggs in one basket.
Diversification essentially means spreading your money across different assets and types of investments to reduce the risk of losing everything in the event of a financial crisis.

While you may automatically think of stocks when planning your investment strategy, bonds are another form of investment that can help you achieve the diversification recommended by experts. They also tend to be less risky than stocks and can act as a counter to stock performance. Bonds can also now be an attractive alternative to overnight and time deposits, which are currently losing their value due to low interest rate policies and inflation.