tag:blogger.com,1999:blog-72892197829144546882024-02-02T11:01:02.588+01:00KEMPE Immobilien GmbHDie KEMPE Immobilien GmbH ist seit mehr als 50 Jahren am Immobilienmarkt tätig. Klaus Kempe schreibt seine Erfahrungen und Kenntnisse in seinen Büchern nieder.
Mehr Informationen über das KEMPE Team finden Sie unter www.immobilienboerse.com Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.comBlogger208125tag:blogger.com,1999:blog-7289219782914454688.post-14080612824353443372018-03-23T09:43:00.000+01:002018-03-23T09:43:09.624+01:00<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJMZq1i-h8zM-cY8eDXvQwGS_oVhpBJB-TPk7RYiIzunHugNI0Oy4j8i8x4rnbN8lDYkfpkgifI3Pry4dN1PTvIFTRMPfwbx4aUvKByTcePch86_S2afrVGXsZARIDwUetOb_Vge2hiXxL/s1600/bild.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="334" data-original-width="500" height="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJMZq1i-h8zM-cY8eDXvQwGS_oVhpBJB-TPk7RYiIzunHugNI0Oy4j8i8x4rnbN8lDYkfpkgifI3Pry4dN1PTvIFTRMPfwbx4aUvKByTcePch86_S2afrVGXsZARIDwUetOb_Vge2hiXxL/s400/bild.jpg" width="400" /></a></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Unser Konzept zu Wertsicherheit und Wertsteigerung</b></span></div>
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<span style="font-family: "georgia";">Hinter dem Namen Kempe Immobilien GmbH steht ein Wohninvestitionskonzept, das sich seit 1968 bewährt hat. </span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;">Zu Ihrer eigenen Rendite-Sicherheit:</span></div>
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<li><span style="font-family: "georgia" , "times new roman" , serif;">Wir ermitteln für Sie den langfristigen Wertzuwachs für jede Renditeanlage</span></li>
<li><span style="font-family: "georgia" , "times new roman" , serif;">Wir bieten Qualität, die durch unsere eigenen Spezialisten, Architekten, etc. und unabhängige, vereidigte Sachverständige gewährleistet wird. </span></li>
<li><span style="font-family: "georgia" , "times new roman" , serif;">Wir führen Neubau- oder Umbau- bzw. Renovierugsmassnahmen unter eigener Beuleitung selbständig und vollverantwortlich, unter besonderer Berücksichtigung der Wertsteigerung eines Objektes durch. </span></li>
<li><span style="font-family: "georgia";">Wir ermitteln ertragssichere Lagen, inkl. Einnahmensicherheit bei Vermietungsgarantie auf der Basis von 30 Jahren Erfahrung in der Vermietung.</span></li>
<li><span style="font-family: "georgia";">Wir untersuchen jedes Objekt auf seinen Marktwert - auch im Hinblick auf die zukünftige Renditeentwicklung. Wir erstellen Standortanalysen unter besonderer Berücksichtigung zukünftiger Marktentwicklungen. </span></li>
<li><span style="font-family: "georgia";">Wir übernahmen mit unseren Partnern das Objektmanagement , die Immobilienbewirtschaftung, die Kontrolle der Mieteinnahmen, die Mietbetreuung und die Überwachung der Instandhaltung von Objekten inkl. Außenanlagen. </span></li>
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<span style="font-family: "georgia";"><b>Unsere Bilanz seit 1968</b></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><i>Vermittlungen</i> von mehr als 1 Milliarde Immobilienwert</span></div>
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<span style="font-family: "georgia";"><i>Verwaltung und Bewirtschaftung</i> von 1 Million Mietwerten im Jahr</span></div>
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<span style="font-family: "georgia";"><i>Neubau - Umbau und Verkauf</i> von über 300 Millionen Immobilienwerten</span></div>
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<span style="font-family: "georgia";"><b>Vielen Dank für Ihr Vertrauen! </b></span></div>
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Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-72357062964018722872018-03-08T12:31:00.001+01:002018-03-08T12:31:20.379+01:00Geben andere Geldanlagen mehr Stabilität als Immobilien? <div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEidSIzR1sOhCbun5VL568UA0OgWTacWvKNW1jSjTfiA7Wq_f9hoDXQg4V_YI2M9a_BRr2mDVPKhLlSYOkTX3Y7lU05suQhc8eFrU3AHtSP9Lyoixm7J4K6ZPViTjZWeJf01fDMjJulpJ1Az/s1600/Blog_Bitcoin_bild.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="350" data-original-width="500" height="280" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEidSIzR1sOhCbun5VL568UA0OgWTacWvKNW1jSjTfiA7Wq_f9hoDXQg4V_YI2M9a_BRr2mDVPKhLlSYOkTX3Y7lU05suQhc8eFrU3AHtSP9Lyoixm7J4K6ZPViTjZWeJf01fDMjJulpJ1Az/s400/Blog_Bitcoin_bild.jpg" width="400" /></a></div>
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<span style="-webkit-text-stroke-width: 0px; background-color: transparent; color: black; display: inline !important; float: none; font-family: "georgia" , "times new roman" , serif; font-size: 24px; font-style: normal; font-variant: normal; font-weight: 700; letter-spacing: normal; orphans: 2; text-align: center; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px;">Mit eigenen Immobilien echte Werte schaffen und Finanzkrisen schadlos überstehen</span></div>
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<b><span style="font-family: georgia;"></span></b><span style="font-family: Georgia, "Times New Roman", serif;">Geldanlagen wie Festgeld, Tagesgeld, Bundesanleihen und das Sparbuch führen aufgrund des niedriges Zinsniveaus zu einem kontinuierlichen Vermögensverlust. Der Aktienhandel und Spekulationsgeschäfte mit einer Krypto-Währung wie dem Bitcoin, dem Ripple oder dem Ethereum System bergen große Risiken. Sie sind nicht einschätzbar, ständigen Schwankungen unterworfen und können zu hohen Verlusten führen. Ausschließlich eigene Immobilien bieten Sicherheit, echte Werte und finanzielle Stabilität. </span><span style="font-family: Georgia, "Times New Roman", serif;"></span></div>
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<span style="font-family: Georgia, "Times New Roman", serif;"><b>Schützt der Bitcoin im Falle einer Finanzkrise?</b></span></div>
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<span style="font-family: Georgia, "Times New Roman", serif;">Eine Krypto-Währung birgt ein besonderes hohes Risiko. Es fehlt eine Kontrolle, viele Transaktionen erfolgen vollständig anonym. Das System ist weder vor technischen Risiken noch vor Hackern ausreichend geschützt. Niemand kann vorhersagen, wann - und ob überhaupt - mit einem gewinn zu rechnen ist. Es ist möglich, dass Ihre Bitcoins in einigen Monaten oder Jahren nur noch ein Bruchteil des Kaufpreises wert sind. Als Eigentümer von Immobilien kann Ihnen das nicht passieren. Eine Krypto-Währung eignet sich nur für Interessenten an Spekulationsgeschäften. Wer es versuchen möchte, sollte nur einen geringen Teil seines Vermögens als "Spielgeld" in den Bitcoin investieren. Natürlich kann man immer auf sein Glück hoffen - doch die Sicherheit wie als Eigentümer von Immobilien erleben Sie damit nicht. </span></div>
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<span style="font-family: georgia;"><br /></span></div>
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<span style="font-family: georgia;"><b>Geben andere Geldanlagen mehr Stabilität als Immobilien?</b></span></div>
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<span style="font-family: georgia;">Neben der Krypto-Währung wie dem Bitcoin sind auch Aktienkurse für den Laien nicht einschätzbar. Sofern Sie den Gegenwert zu einem bestimmten Zeitpunkt benötigen, ist der Handel mit Aktien gar keine Option. Denn gerade dann kann der Kurs sehr niedrig sein und Sie würden bei einem Verkauf einen herben Verlust erledigen. Sie wären geradezu gezwungen die Aktien für eine unbestimmte Dauer zu halten und hätten so keinen Zugriff auf Ihr Vermögen. Als sicher gelten Geldanlagen Bundesanleihen, Bausparverträge, Sparverträge und das Sparbuch. Diese bringen jedoch derart niedrige Zinsen ein, sodass Ihr Vermögen allein aufgrund</span><span style="font-family: georgia;"> der höheren Inflationsrate jedes Jahr ein bisschen mehr schrumpfen würde. Solche Geldanlagen kann man nicht als echte Werte bezeichnen - nur Immobilien bieten Sicherheit. </span></div>
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<span style="font-family: georgia;"><br /></span></div>
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<span style="font-family: georgia;"><b>Langfristige Sicherheit durch den Kauf von Immobilien</b>.</span></div>
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<span style="font-family: georgia;">Immobilien bieten Sicherheit und sind echte Werte von denen Sie ein Leben lang profitieren können. Auch die langfristige Finanzierung einer Immobilie führt dazu, dass Sie nach vollständiger Tilgung einen echten und bleibenden Gegenwert erlangen. Sie werden Eigentümer einer Wohnung oder eines Hauses. Dies ist besonderes im Alter von Vorteil. Als Rentner haben Sie meist weniger Geld zur Verfügung und können als Eigentümer davon profitieren keine Miete mehr zahlen zu müssen. Ebenso können Sie das Eigentum bei Bedarf auch jederzeit beleihen oder verkaufen, denn Immobilien bieten Sicherheit - auch in Notfällen. Auch der Erwerb eines Mehrfamilienhauses bietet infolge der regelmäßigen Mieteinnahmen eine zukunftsorientierte Stabilität. Vor allem handelt es sich dabei um sichere Einnahmen auf die eine mögliche Finanzkrise keinen Einfluss hat. </span></div>
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<span style="font-family: georgia;"><b>Fazit</b></span></div>
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<span style="font-family: Georgia, "Times New Roman", serif;">Eine Krypto-Währung wie der Bitcoin und andere Geldanlagen bieten nicht das, was man als echte Werte bezeichnet. Ausschließlich Immobilien bieten Sicherheit, denn nur diese stellen reale Werte dar. Mit Immobilien können Sie Finanzkrisen erfolgreich und vollkommen schadlos überstehen. Gleichzeitig haben Sie die Möglichkeit sich durch Mieteinnahmen ein Zusatzeinkommen verschaffen und können Ihren Lebensabend entspannt bei bester Absicherung genießen. </span></div>
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Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-9297420294802253572018-02-27T12:45:00.001+01:002018-02-27T12:45:16.957+01:00Steuer sparen mit einer Eigentumswohnung<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgFPa2s26LAoxPPBc8-3R-fw00kaV1CfUuSSEAPsO-DW6z7GzJGAsk0YDGmcMSXEsMa8yF5NnF4J-9yV4egIajU48cah4z_ISlKKZccdMDRy2gsGiXRYa7uzbMtUgo6TCOSn5EZaWk4nReg/s1600/Steuersparen_bild.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="334" data-original-width="500" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgFPa2s26LAoxPPBc8-3R-fw00kaV1CfUuSSEAPsO-DW6z7GzJGAsk0YDGmcMSXEsMa8yF5NnF4J-9yV4egIajU48cah4z_ISlKKZccdMDRy2gsGiXRYa7uzbMtUgo6TCOSn5EZaWk4nReg/s320/Steuersparen_bild.jpg" width="320" /></a></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><b>Wie Sie Ihr Wohneigentum von der Steuer absetzen können?</b></span><br />
<span style="font-family: "georgia";">In der heutigen Finanzmarktsituation bekommen Sie kaum noch Zinsen auf Ihrem Sparbuch oder Tagesgeldkonto. Wenn Sie Ihr Geld dort anlegen möchten, erhalten Sie so geringe Zinsen, dass nicht einmal die Inflation ausgeglichen werden kann. Viele Anleger überlegen sich deshalb den Kauf einer Immobilie zur Geldanlage, die eine andere Person mieten wird. dadurch können Sie nicht nur eine gute Rendite erzielen, sondern das erworbene Eigentum gleichzeitig von der Steuer absetzen. </span><br />
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<span style="font-family: "georgia";"><b>Was macht eine Wohnung zur geeigneten Kapitalanlage?</b></span></div>
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<span style="font-family: "georgia";">Das Verhältnis von Mieteinnahmen und Kosten ist ein wichtiger Punkt, damit eine Wohnung sich als Geldanlage rechnet. Abgesehen davon gibt es weitere Kriterien, die es attraktiv machen können, Eigentum zu kaufen und jemanden zu finden, der dieses mieten möchte. </span></div>
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<span style="font-family: "georgia";">Egal, ob Sie bereits eine Wohnung Ihr Eigentum nennen und diese als Geldanlage nutzen möchten oder noch vor der Entscheidung stehen, eine Immobilie zu kaufen, erfahren Sie hier hilfreiche Tipps, um möglichst viele Kosten von der Steuer absetzten zu können. </span></div>
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<span style="font-family: "georgia";"><b>Schulden schmälern den Gewinn.</b></span></div>
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<span style="font-family: "georgia";">Um möglichst hohe Beträge steuerlich geltend machen zu können, lohnt es sich, wenn Sie Schulden für Ihr Eigentum bezahlen müssen. Jedoch nur, wenn es sich um eine Immobilie zum Mieten handelt. Der Grund hierfür ist, dass Sie die Zinsen eines Immobilienkredits für Wohnungen als Geldanlage von den Einnahmen Ihrer Mieten abziehen können. Das schmälert Ihren Gewinn, sodass weniger Einkommen vorliegt, das versteuert werden muss. Gleichzeitig wird der Prozentsatz, den Sie an Steuer bezahlen müssen, damit verringert. </span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><b>AfA - Die Absetzung für Abnutzung</b></span></div>
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<span style="font-family: "georgia";">Kosten, die durch das Kaufen einer Immobilie entstehen, können ebenso in der Steuererklärung angegeben werden. Dazu zählen auch die damit verbundenen Erwerbsnebenkosten. Inklusive des Kaufpreises werden die gesamten Anschaffungskosten auf 50 Jahre verteilt. Dadurch können Sie jährlich zwei Prozent dieser Summe als Kosten für die Abnutzung des Gebäudes geltend machen und ebenfalls von den Einnahmen aus Ihren Mieten abziehen. </span></div>
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<span style="font-family: "georgia";"><b>Renovierung und Reparaturen</b></span></div>
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<span style="font-family: "georgia";">Ein weiterer steuerlicher Aspekt ist die kontinuierliche Renovierung einer Wohnung. Ein bestehendes Gebäude ist oft günstiger zu kaufen, als ein Neubau. Jedoch stehen im Lauf der Zeit immer wieder Reparaturen oder Maßnahmen der Modernisierung an. Dafür anfallende Kosten können Sie voll von der Steuer absetzen, wenn dieses Eigentum vermietet wird. Für selbstgenutzten Wohnraum können Sie dagegen nur den Anteil den Dienstleistungen bis zu gewissen Höhe absetzen. </span></div>
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<span style="font-family: "georgia";"><b>Werbungskosten</b></span></div>
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<span style="font-family: "georgia";">Jede Fahrt, die Sie mit Ihrem Auto durchführen, um Angelegenheiten bezüglich der vermieteten Wohnung zu regeln, können Sie von der Steuer absetzen. Auch alle Nebenkosten, die Sie nicht auf den Mieter der Wohnung umlegen können, sparen Ihnen Steuern. Weitere Kosten, die Sie in Bezug auf die Wohnung zur Geldanlage bezahlen müssen, können ebenfalls steuermindernd geltend gemacht werden: z.B. Kosten eines Rechtsanwalts, Versicherungen, Mitgliedsbeiträge für Verbände, Makler, Steuerberater usw. </span></div>
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<span style="font-family: "georgia";"><b>Denkmalschutz und Sanierung</b></span></div>
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<span style="font-family: "georgia";">Wenn Sie sich ein denkmalgeschütztes Objekt kaufen wollen, gibt es auch hier einige Kosten, die Sie von der Steuer absetzen können. Da es staatliche Unterstützung gibt, wenn an historische Gebäude erhalten möchte, kann man sogar teilweise die Anschaffungskosten und Kosten für die Instandsetzung steuerlich geltend machen. auch mit einer Wohnung, die in einem Sanierungsgebiet liegt, können Sie profitieren. </span></div>
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<b></b><b></b><b></b><br />Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-338610056213830782018-02-06T12:30:00.002+01:002018-02-06T12:30:39.945+01:00Wohnen im Alter - heute an morgen denken!<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjGkEsOsr0mEKYj_NPRyFkUdSr7jiZsY4z84wbC2GCkdA58Q4va0vSPTNnq9wI-AKORLr4qY-Kon-6PJZ4taDxregO-bCSkSvEBQCXwMft6tALgoMT5uLskPoUQIbc1oa7rPKMUWuOAhyQo/s1600/Bild_garten.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="334" data-original-width="500" height="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjGkEsOsr0mEKYj_NPRyFkUdSr7jiZsY4z84wbC2GCkdA58Q4va0vSPTNnq9wI-AKORLr4qY-Kon-6PJZ4taDxregO-bCSkSvEBQCXwMft6tALgoMT5uLskPoUQIbc1oa7rPKMUWuOAhyQo/s400/Bild_garten.jpg" width="400" /></a></div>
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="19" QFormat="true"
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<w:LsdException Locked="false" Priority="31" QFormat="true"
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<w:LsdException Locked="false" Priority="32" QFormat="true"
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<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
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<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
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<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
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<![endif]--><span style="font-weight: normal;"><span style="font-size: small;"><span style="font-family: Georgia, "Times New Roman", serif;"><span> <span style="font-size: large;">Durch eine sich ständig verbessernde Gesundheitsversorgung steigt die Lebenserwartung und damit die Qualität und Aktivität im Alter. </span></span></span></span></span></div>
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<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: large;"><span style="font-weight: normal;"><span>Bis zum Jahr 2030 wird sich die Zahl der älteren Menschen auf 24,4 Millionen erhöhen. Weniger als 2% der 60-70 jährigen sind pflegebedürftig und auch bei den 70-80 jährigen benötigen nur 10% eine regelmäßige Pflege. </span></span></span></span></div>
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<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: large;"><span style="font-weight: normal;"><span>Dies bedeutet, dass der sogennante Ruhestand für viele nach dem Berufsleben einen Neubeginn von Aktivitäten, wie z.B. Reisen, Tanzen, Sport, Konzertbesuche etc., darstellt. Ebenso verfügen immer mehr ältere Menschen über eine ausreichende Altersvorsorgung und Vermögen, das außer mit der gesetzlichen Rentenversicherung und betrieblichen Altersvorsorgung mit Lebensversicherung und Grundbesitz geschaffen wurde. </span></span></span></span></div>
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<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: large;"><span style="font-weight: normal;"><span>Das zusammengefasst bedeutet, dass eine immer größer werdende Zahl an älteren Menschen sich für die Zeit nach dem Berufsleben vorbereitet und das Leben weiterhin genießen möchte. So stellt man hohe Ansprüche an seine eigenen vier Wände, an die Lebensqualität und an angebotete Serviceleistungen. Das eigene Haus ist vielleicht zu groß geworden und stellt eher eine Belastung dar, der man sich nicht stellen möchte, andererseits jedoch will man seine nun freie Zeit aktiv gestalten. </span></span></span></span></div>
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<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: large;"><span style="font-weight: normal;"><span>Hier ensteht ein erheblicher Bedarf an einer Wohnanlage, die zwar Serviceleistungen der verschiedensten Art anbietet, in der jedoch ein angenehmes und selbstständiges Leben möglich ist. </span></span></span></span></div>
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<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: large;"><span style="font-weight: normal;"><span>Die Bewohner des Berg</span></span><span style="font-weight: normal;"><span><span style="font-weight: normal;"><span>Carré erwartet somit Wohnkomfort auf hohem Niveau und gleichzeitig das beruhigende Gefühl, auf umfangreichen Service in der Innenstadt zurückgreifen zu können. Gleichzeitig zu Fuß alle geschäfte und Dienstleistungen zu erreichen. So kann jeder seinen Lebensabend nach seinen individuellen Bedürfnissen und Wünschen hin ausrichten und gestelten. Diese Planung und die richtige Einstellung zum Älterwerden rücken diesen Lebensabschnitt in ein positives Licht. </span></span></span></span></span></span></div>
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<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: large;"><span style="font-weight: normal;"><span><span style="font-weight: normal;"><span>Kempe Immobilien aud Düsseldorf bietet Eigentumswohnungen in unterschiedlichen Größen und Schnitten. Die Ausstettung ist komfortabel und zweckmäßig. </span></span></span></span></span></span></div>
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<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: large;"><span style="font-weight: normal;"><span><span style="font-weight: normal;"><span>In dem </span></span></span></span><span style="font-weight: normal;"><span><span style="font-weight: normal;"><span><span style="font-weight: normal;"><span>Berg</span></span><span style="font-weight: normal;"><span><span style="font-weight: normal;"><span>Carrébleibt Zeit zum Verweilen, ebenso wie in dem nahe Gelegenden Hofgarden Centren. Die Eigene Mobilität bleibt durch die quartiersnahe Verkehrsanbindung gesichert. </span></span></span></span></span></span></span></span></span></span></div>
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<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: large;"><span style="font-weight: normal;"><span><span style="font-weight: normal;"><span><span style="font-weight: normal;"><span><span style="font-weight: normal;"><span>Besichtigungen und weitere Auskünfte erhalten Sie unter 0211/9146660</span></span></span></span></span></span></span></span></span></span></div>
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Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-70654840554642247562018-01-24T12:29:00.000+01:002018-01-24T12:34:41.698+01:00Das neue Buch! Erscheint in Kürze!<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEigCXdygZ_cfdA_UHCMTOyVpn1SijgonG1vUB8xrFdHcDzOq8UsYqPSLVLVqeWMR3GkPSyga8GpFP7Y7qPuP099ftghzun5hEsl_DK2djQDw8AxoHjxIa7Yj3QTl_WRB1XohNYsjg5VsuaZ/s1600/e75d6968-2eb9-456a-bc1c-390871fe8bad" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1102" data-original-width="826" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEigCXdygZ_cfdA_UHCMTOyVpn1SijgonG1vUB8xrFdHcDzOq8UsYqPSLVLVqeWMR3GkPSyga8GpFP7Y7qPuP099ftghzun5hEsl_DK2djQDw8AxoHjxIa7Yj3QTl_WRB1XohNYsjg5VsuaZ/s320/e75d6968-2eb9-456a-bc1c-390871fe8bad" width="239" /></a></div>
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<b><span style="font-family: "georgia" , "times new roman" , serif;">Vorwort</span></b><br />
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<span style="font-family: "georgia" , "times new roman" , serif;">In diesem Buch geht es um Immobilien. Und darum, wie Sie mit Immobilien erfolgreich sein können. Dabei liegt der Fokus nicht auf irgenwelchen Rechenbeispielen oder Häusern und Wohnungen ans sich, sondern darauf, was Sie mit Immobilien erreichen können. Anders audgedrückt: <i><b></b></i></span><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><i><b> </b></i></span></span><br />
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<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;"><i><b>Wie Sie mit Hilfe von Immobilien ein erfolgreiches Leben führen können.</b></i></span></span><i><b><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: small;"> </span></span></b></i></div>
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<span style="font-family: "georgia" , "times new roman" , serif;">Das eigentliche Ziel ist nicht, Immobilien zu besitzen.<b> </b>Es geht um das, was damit verbunden ist.</span><span style="font-family: "georgia" , "times new roman" , serif;"></span><span style="font-family: "georgia" , "times new roman" , serif;"> Etwa finanzielle Freiheit und Unabhängigkeit. Wohlstand. Und ein glückliches Leben. Auf einen Nenner gebracht: <i><b>Lebensqualität!</b></i></span><b><span style="font-family: "georgia" , "times new roman" , serif;"></span></b><br />
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<span style="font-family: "georgia" , "times new roman" , serif;">Doch ist wirkliche Lebensqualität nicht einfach zu erreichen. Unser heutiges Gesellschafts- und Wirtschaftssystem, so fortschrittlich es auch sein mag, ist so konstruiert, dass es Ihnen einen gewissen Gegenwind entgegenbringt. </span><span style="font-family: "georgia" , "times new roman" , serif;">Daher schaffen es die meisten Bundesbürger nicht, ein Leben in Wohlstand und finanzieller Freiheit zu führen. </span><span style="font-family: "georgia" , "times new roman" , serif;">Und Sie erreichen nicht die Lebensqualität, die sie ansterben. Doch keine Sorge! Ein Teil dieses Buches ist darauf ausgelegt Ihnen aufzuzeigen, wie Sie diesen Gegenwind in Rückenwind für Ihren Vermögensaufbau verwandeln können. </span><b><span style="font-family: "georgia" , "times new roman" , serif;"></span></b><br />
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<span style="font-family: "georgia" , "times new roman" , serif;">Kürzlich hörte ich, dass neuen von zehn</span><b><span style="font-family: "georgia" , "times new roman" , serif;"> </span></b><span style="font-family: "georgia" , "times new roman" , serif;">Millionäre mit Hilfe von Immobilien zu Millionären wurden. Das ist durchaus möglich. Natürlich sind Geld und Vermögen nur ein Bestandteil, eines erfüllten Lebens, aber ein wichtiger. Finanzielle Probleme sind die Ursache vieler Schwerigkeiten im Leben, trüben die Stimmung, können Beziehungen zerstören und weitere unangenehme Folgen nach sich ziehen. Warum also nicht lieber finanziell erfolgreich sein?<b> </b></span><span style="font-family: "georgia" , "times new roman" , serif;">Genau! Um das zu erreichen, sind Immobilien ein ideales Werkzeug.</span><br />
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<span style="font-family: "georgia" , "times new roman" , serif;">Aber wie genau geht man idealerweise vor? Auf welche Weise gelingt der Einstieg? Und wie macht man weiter? Wovor sollte man sich in Acht nehmen? Und wo zeigen sich die besten Chancen? Das sind einige der Fragen, die wir in diesem Buch beantworten wollen. </span><b><span style="font-family: "georgia" , "times new roman" , serif;"></span></b><br />
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<span style="font-family: "georgia" , "times new roman" , serif;">Freuen Sie sich darauf, zu erfahren, wie man mit Immobilien erfolgreich sein kann!</span><br />
<span style="font-family: "georgia" , "times new roman" , serif;"><br /></span>
<span style="font-family: "georgia" , "times new roman" , serif;">Klaus Kempe</span><br />
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<span style="font-family: "georgia" , "times new roman" , serif;">Düssedorf, Januar 2018 </span><b><span style="font-family: "georgia" , "times new roman" , serif;"><br /></span></b>Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-9128535390329811472018-01-24T11:44:00.003+01:002018-01-24T11:44:59.135+01:00Kempe Immobilien GmbH - Ihr Immobilien Partner<div class="separator" style="clear: both; text-align: center;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZZIpYQdNfQArSaNdG1vEtmaVHdPnM5u9bfO1KkggjuYtWLdl8nPd0ETsq_1-4zuJ4BS_3v9d6_JR57ptTiQloS_jhDwAIwAKtJBtreU1E6EVLQIZiaBLiQwcytvLK-eukEIHR_ILKxMrp/s1600/5Sterne1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1459" data-original-width="1600" height="291" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZZIpYQdNfQArSaNdG1vEtmaVHdPnM5u9bfO1KkggjuYtWLdl8nPd0ETsq_1-4zuJ4BS_3v9d6_JR57ptTiQloS_jhDwAIwAKtJBtreU1E6EVLQIZiaBLiQwcytvLK-eukEIHR_ILKxMrp/s320/5Sterne1.jpg" width="320" /></a></div>
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<span style="font-family: Georgia, "Times New Roman", serif;">Möchten Sie Ihre Immobilien stressfrei verkaufen, können Sie auf <b>unsere Erfahrungen von 50 Jahren vertrauen! </b>Suchen Sie nach einem Objekt zum Mieten oder Kaufen, können wir Ihnen Mietwohnungen, möbliertes Wohnen, das Boardinghouse, aber auch exklusive Häuser in begehrten Lagen anbieten. </span></div>
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<b><span style="font-family: Georgia, "Times New Roman", serif;">Kempe Immobilien GmbH - alles aus einer Hand</span></b></div>
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<span style="font-family: Georgia, "Times New Roman", serif;">Wir bieten Ihnen alles aus einer Hand. Unsere Tätigkeit erschöpft sich nicht im Verkaufen und Vermieten von Häusern und Wohnungen. Wir sind auch Bauträger und errichten Neubauten. Aus unserer Tätigkeit in der Immobilienwirtschaft heraus kam die Idee, zum Wohnen nicht nur das Boardinghouse und Wohnungen in verschidenen Ausstattungsvarianten, sondern auch das Hotel anzubieten. Kempe Hotels finden Sie in verschiedenen Städten in zentraler Lage und mit großzügiger Ausstattung. Egal, ob Sie dienstlich reisen oder privat auf dem Städtetrip sind, ist ein Hotel von Kempe immer die passende Unterkunft. </span></div>
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<b><span style="font-family: Georgia, "Times New Roman", serif;">Mieten und Wohnen</span></b></div>
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<span style="font-family: Georgia, "Times New Roman", serif;">Bei uns können Sie Gewerbeimmobilien und Wohnungen mieten. Egal, ob Sie eine Wohnung in ruhiger Lage oder zentral suchen, finden Sie bei uns attraktive Objekte zum Wohnen. Suchen Sie nach einer Zweitwohnung, da Sie in einer Stadt weit entfernt von Ihrem Wohnort arbeiten, ist möbliertes Wohnen die richtige Wahl. Appartments oder kleinere Wohnungen können wir in zentraler Lage anbieten. </span></div>
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<b><span style="font-family: Georgia, "Times New Roman", serif;">Boardinghouse - individuelles Wohnen auf Zeit</span></b></div>
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<span style="font-family: Georgia, "Times New Roman", serif;">Suchen Sie für einige Monate eine möblierte Wohnung, da Sie beruflich über längere Zeit in einer anderen Stadt aktiv sind, ist das Boardinghouse die Alternative zum Hotel. Es bietet viel Komfort und ein privates Ambiente, genau wie möbliertes Wohnen. Das Boardinghouse lässt Ihnen genügend Freiraum für Ihre Tätigkeit. </span></div>
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<b><span style="font-family: Georgia, "Times New Roman", serif;">Immobilienkaufen - für jeden Zweck das richtige Objekt</span></b></div>
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<span style="font-family: Georgia, "Times New Roman", serif;">Möchten Sie sich den Traum vom Eigenen Heim verwirklichen, können Sie bei uns Eigentumswohnungen, Häuser und Grundstücke kaufen. Für gewerbliche Zwecke bieten wir Geschäftshäuser an. </span></div>
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<span style="font-family: Georgia, "Times New Roman", serif;">Informieren Sie sich auf www.immobilienboerse.com und </span></div>
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<span style="font-family: Georgia, "Times New Roman", serif;">https://www.facebook.com/EchteWerteSchaffen/</span></div>
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<br />Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-77791786817160182722018-01-19T11:12:00.002+01:002018-01-19T11:12:50.937+01:00Immobilien als Altersvorsorge<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiNu-zka_Y1x2_wxkOJBNmUxibOYj7pxCJ1ETdShbbiTNsr0LdCe0GiGh63cJy5WiV1f1_FNjCA2-hArMkmQ6Q3in92vyxSyE0o1pfkJo1ZPRp0wPhDPJUvT9AMv5yn_32rqq0PSUDTaIlo/s1600/Altersvorsorge.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="666" data-original-width="1600" height="133" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiNu-zka_Y1x2_wxkOJBNmUxibOYj7pxCJ1ETdShbbiTNsr0LdCe0GiGh63cJy5WiV1f1_FNjCA2-hArMkmQ6Q3in92vyxSyE0o1pfkJo1ZPRp0wPhDPJUvT9AMv5yn_32rqq0PSUDTaIlo/s320/Altersvorsorge.jpg" width="320" /></a><i><b><span style="font-family: Georgia, "Times New Roman", serif;"> </span></b></i></div>
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<i><b><span style="font-family: Georgia, "Times New Roman", serif;">Immobilien als Altersvorsorge so beliebt wie eh und je</span></b></i></div>
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<span style="font-family: Georgia, "Times New Roman", serif;">Immer mehr Menschen haben Angst vor Altersarmut, und das zu Recht. Auf die staatliche Rente allein kann man sich nicht verlassen, da sie in Zukunft wahrscheinlich nur das Existenzminimum abdecken wird. Die Deutschen suchen daher zunehmend nach Möglichkeiten, ihre eigene Rente zu erhöhen, um einen komfortableren Ruhestand zu sichern. Nicht so einfach in Zeiten, in denen einige Banken bereits Zinsen auf Einlagenkonten erheben. <i>Immobilien ale Altersvorsorge ist das beliebteste Instrument</i>. Zu diesem Ergebnis kommt eine aktuelle Umfrage von TNS Emnid. </span></div>
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<i><span style="font-family: Georgia, "Times New Roman", serif;">Warum die Deutschen Immobilien als Altersvorsorge bevorzugen und welche Finanzierungsform beim Immobilienerwerb am beliebtesten ist, </span></i></div>
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<i><span style="font-family: Georgia, "Times New Roman", serif;">lesen Sie in diesem Artikel. </span></i></div>
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<b><span style="font-family: Georgia, "Times New Roman", serif;">Kein Vertrauen in die Rente </span></b></div>
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<span style="font-family: Georgia, "Times New Roman", serif;">Das Thema Altersvorsorge ist in den Medien so präsent wie nie zuvor. Das gute alte bismarckische Rentensystem wird immer brüchiger: Die Zahl der Einleger sinkt, die Rentner werden immer älter und älter. Wenn sich die Geburtenrate nicht ändert und die Lebenserwartung weiter steigt, könnten bis 2060 nur noch 65 Millionen Menschen in Deutschland leben. </span></div>
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<span style="font-family: Georgia, "Times New Roman", serif;">Der Marktforschungsinstitut TNS Emnid hat der Bausparkasse Schwäbisch Hall herausgefunden, dass <i>7 von 10 Deutschen </i>Immobilien als Altersvorsorge mehr vertrauen als der gesetzlichen Rente. Rund<i> </i>43% der Befragten gaben an, bereits eine Eigentumswohnung zu besitzen. Von denjenigen, die noch kein eigenes Grundstück besitzen, plant ein Fünftel, eines zu erwerben. Diese Anlageform ist besonders beliebt bei 60% der jungen Menschen unter 29 Jahren. Für Familien ist der Trend, eine Immobilie als Altersvorsorge zu erwerben, ebenso verbreitet. Fast 40% der Dreipersonenhaushalte besitzen bereits eine Immobilie und weitere 20% planen der Kauf einer Immobilie. </span></div>
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<b><span style="font-family: Georgia, "Times New Roman", serif;">Alt werden in den eigenen vier Wänden </span></b></div>
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<span style="font-family: Georgia, "Times New Roman", serif;">80% der Eigentümer wollen mit zunehmendem Alter in ihr eigenes Haus ziehen. Von denjeniegen, die planen, in Zukunft eine Immobilie zu kaufen, sagen über 90%, dass sie im Alter in ihre Immobilie einziehen wollen. Zudem gaben 15% der befragten Immobilieneigentümer an, dass sie im Alter beabsichtigen, ihre Immobilie als Mehrgenerationenhaus zu nutzen. Der Umfrage zufolge wären nur 11% der Befragten bereit, ihre Immobilie im Alter zu verkaufen, um sie durch eine kleinere, seniorenfreundliche Alternative zu ersetzen und im Alter in dieser zu wohnen. </span><b><span style="font-family: Georgia, "Times New Roman", serif;"> </span></b></div>
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<b><span style="font-family: Georgia, "Times New Roman", serif;">Bausparverträge als eine der beliebtesten Finanzierungsformen</span></b></div>
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<span style="font-family: Georgia, "Times New Roman", serif;">Kaum</span><span style="font-family: Georgia, "Times New Roman", serif;"> jemand kauft eine Eigentumswohnung ausschließlich mit Eigenkapital. Viele halten den Kauf einer Immobilie mit gespartem Geld jedoch für eine sicherere, einfachere und kostengünstigere Alternative zur Altersvorsorge</span><b><span style="font-family: Georgia, "Times New Roman", serif;">. </span></b><span style="font-family: Georgia, "Times New Roman", serif;">Wie die Umfrage zeigt, zählen Bausparverträge, deren Ersparnisse als Eigenkapital genutzt werden können, zu den beliebtesten Finanzierungsformen für einen Immobilienerwerb. Die Mehrheit der Befragten gab an, dass sie dies gegenüber einem traditionellen Hypothekendarlehen einer Bank bevorzugen. Besonders beliebt sind der Bausparverträge bei Jugendlichen und Familien. Fast 60% der unter 29-Jährigen haben ihr Eigenheim bereits mit einem Bausparvetrag finenziert oder planen dies in Zukunft. </span></div>
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<span style="font-size: x-small;"><span style="font-family: Georgia, "Times New Roman", serif;">Auf unsere Facebook Seite finden Sie noch mehr zu dem Thema. </span></span></div>
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<span style="font-size: x-small;"><span style="font-family: Georgia, "Times New Roman", serif;">Wir freuen uns auf Sie!</span></span></div>
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<span style="font-family: Georgia, "Times New Roman", serif;"> </span><i><b><span style="font-family: Georgia, "Times New Roman", serif;"> </span></b></i></div>
Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-59560320944834724752018-01-18T11:06:00.002+01:002018-01-18T11:08:35.660+01:00Immobilien-Eigentum verhindert Altersarmut!<br />
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<div class="Formatvorlage" style="background: white; line-height: 13.65pt; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 2.85pt; margin-right: 0cm; margin-top: 11.25pt; mso-line-height-rule: exactly; text-align: justify;">
<span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">Die Kosten für
das Wohnen steigen immer weiter. In der Rente droht dann </span><b><span style="background: white; color: grey; font-family: "georgia" , serif; font-size: 11.0pt;">Altersarmut</span></b><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">.</span></div>
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<span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">Was können Sie
dagegen tun?</span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;"><span style="mso-tab-count: 1;"> </span></span></b><b style="mso-bidi-font-weight: normal;"><span style="background: white; color: black; font-family: "wingdings"; font-size: 11.0pt;"><span style="mso-char-type: symbol; mso-symbol-font-family: Wingdings;"></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">So früh wie möglich Wohneigentum
erwerben</span></b><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">!</span></div>
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<u><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">Das ist das Ergebnis</span></u><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;"> einer Studie des Forschungsinstituts
<i>empirica</i> zum Spar- und Konsumverhalten privater Haushalte in
Deutschland. </span></div>
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<span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">Die Wissenschaftler
haben folgendes untersucht: „Wer fährt langfristig besser?“</span></div>
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</span></span></span><b style="mso-bidi-font-weight: normal;"><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">Mieter</span></b><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;"><br />
oder</span></div>
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</span></span></span><b style="mso-bidi-font-weight: normal;"><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">Eigentümer</span></b><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;"> </span></div>
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<span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">einer Wohnung.</span></div>
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<span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">Das Ergebnis: Zu
Beginn haben eindeutig die Mieter die Nase vorne, weil die Miete niedriger ist,
als die Kreditrate der Wohnungsfinanzierung. Dafür dreht sich die Situation im
Alter um.</span><span style="background: white; color: #252525; font-family: "georgia" , serif; font-size: 11.0pt;"> </span></div>
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<span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">Die Wohnkostenbelastung gibt an, wie viel Prozent seines Einkommens ein
Haushalt für die Kalt-Miete, oder aber für die</span><span style="background: white; color: #252525; font-family: "georgia" , serif; font-size: 11.0pt;"> </span><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">Finanzierung einer Wohnung ausgibt. </span></div>
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<span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">Wenn also Herr Müller € 2.000,- netto verdient und ihn seine Wohnung
insgesamt € 500,- kostet, dann liegt seine Wohnkostenbelastung bei 25
Prozent. Für junge Leute ist es oft schwer, sich Wohnungseigentum anzuschaffen, da die Kreditraten sehr hoch sind. Also nimmt man sich eine Mietwohnung. </span></div>
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<span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;"><br /></span></div>
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<br />
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<span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">Hier der Unterschied in der Wohnkostenbelastung (in % des Einkommens): </span></div>
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</span></span></span><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">35- bis 39 -jährige <b style="mso-bidi-font-weight: normal;">Mieter</b> haben eine Wohnkostenbelastung von nur ca. <b style="mso-bidi-font-weight: normal;">17%</b> </span></div>
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</span></span></span><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">35- bis 39 -jährige <b style="mso-bidi-font-weight: normal;">Eigentümer</b> haben eine Wohnkostenbelastung von ca. <b style="mso-bidi-font-weight: normal;">34%</b> </span></div>
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<span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">Dies macht verständlich, warum sich junge Leute lieber eine Miet- als eine
Eigentumswohnung nehmen.</span></div>
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<span style="background: white; color: #252525; font-family: "georgia" , serif; font-size: 11.0pt;">In höheren Altersgruppen, wie z.B.: bei den </span><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">55- bis 59-jährigen</span><span style="background: white; color: #252525; font-family: "georgia" , serif; font-size: 11.0pt;"> Wohnungseigentümern sieht es
schon anders aus. Viele Eigentümer haben in diesem Alter ihren Kredit bereits großteils
abbezahlt. Dies ändert die Belastung folgendermaßen:</span></div>
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</span></span></span><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">55- bis 59 -jährige <b style="mso-bidi-font-weight: normal;">Mieter</b> haben eine Wohnkostenbelastung von nur ca. <b style="mso-bidi-font-weight: normal;">18%</b> </span></div>
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</span></span></span><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">55- bis 59 -jährige <b style="mso-bidi-font-weight: normal;">Eigentümer</b> haben eine Wohnkostenbelastung ca. <b style="mso-bidi-font-weight: normal;">12%</b> </span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">Eintritt in den Ruhestand</span></b></div>
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<span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">Die mit Abstand
gravierendste Veränderung ergibt sich aber mit dem Eintritt in den Ruhstand.
Denn die Mieterhaushalte müssen die weiter steigenden Mieten aus ihrem jetzt
niedrigeren Einkommen bestreiten<i>. </i>Damit<i> </i>steigt Ihre
Wohnkostenbelastung</span><span style="background: white; color: #888888; font-family: "georgia" , serif; font-size: 11.0pt;"> </span><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">bereits im Alter zwischen<i>
</i>60<i> </i>und 65 Jahren sprunghaft auf 28 Prozent an. Bei Eigentümerhaushalten
dagegen gehen die Kosten für das Wohnen weiter zurück, weil sie ihre eigenen
vier Wände spätestens bis zum Rentenbeginn in der Regel vollständig abbezahlt haben.
</span></div>
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<span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;"></span><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;"> </span>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9uHHj_SbM1nS3-N4GRxJzvwT0M4F2ALHOpZBcZ5xxUbE_3RT2c2UWfyKc8bOGpNd7dhOYh1nKjFQ80rglMP1UwBFoPNiiniHgFuf-uCWcG89st8AOAUaqLTJP-t3XtJGllRE_jNMi3B1m/s1600/Bild+3.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="532" data-original-width="806" height="263" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9uHHj_SbM1nS3-N4GRxJzvwT0M4F2ALHOpZBcZ5xxUbE_3RT2c2UWfyKc8bOGpNd7dhOYh1nKjFQ80rglMP1UwBFoPNiiniHgFuf-uCWcG89st8AOAUaqLTJP-t3XtJGllRE_jNMi3B1m/s400/Bild+3.jpg" width="400" /></a></div>
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<span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">Trotz
geringerer Einkommen im Ruhestand macht der Posten "Wohnen" in ihrem
Haushaltsbudget damit keine größeren Prozent-Anteil aus als vorher. </span></div>
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</span></span></span><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">60- bis 65 -jährige <b style="mso-bidi-font-weight: normal;">Eigentümer</b> haben eine Wohnkostenbelastung von ca. <b style="mso-bidi-font-weight: normal;">12%</b> </span></div>
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</span></span></span><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">66- bis 69 -jährige <b style="mso-bidi-font-weight: normal;">Eigentümer</b> haben eine Wohnkostenbelastung von ca. <b style="mso-bidi-font-weight: normal;">11%</b> </span></div>
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<span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">Ein wichtiger
Grund für die gegenläufige Entwicklung der Wohnkosten von Mieter- und Eigentümerhaushalten
ist auch ein Phänomen, das <i>empirica</i> bereits in einer früheren Untersuchung
aufgezeigt hat: </span></div>
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</span></span></span><b style="mso-bidi-font-weight: normal;"><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">Wohneigentümer</span></b><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;"> weisen ein disziplinierteres Spar- und Konsumverhalten
auf </span></div>
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</span></span></span><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">Wer eigene Wände erwirbt, ist offenbar weitgehend
immun gegen die Anschaffung größerer Konsumgüter. </span></div>
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<span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">Du</span><span style="background: white; color: #151515; font-family: "georgia" , serif; font-size: 11.0pt;">rch</span><span style="background: white; color: lightgrey; font-family: "georgia" , serif; font-size: 11.0pt;">' </span><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">h</span><span style="background: white; color: #151515; font-family: "georgia" , serif; font-size: 11.0pt;">oh</span><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">e Tilgungsleistungen während der Finanzierung
zahlt der Wohneigentümer d</span><span style="background: white; color: #151515; font-family: "georgia" , serif; font-size: 11.0pt;">i</span><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">e fiktive
Miete in die eigene Tasche und baut auf diese Weise ein Vielfaches an Vermögen
auf. </span></div>
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<span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">Die Mieter
dagegen scheitern meist am Vermögensaufbau. Und zwar nicht, weil sie über ein
niedriges Einkommen verfügen würden. Auch Mieter mit denselben Einkommen wie E</span><span style="background: white; color: #151515; font-family: "georgia" , serif; font-size: 11.0pt;">i</span><span style="background: white; color: black; font-family: "georgia" , serif; font-size: 11.0pt;">gentümer schaffen es in der Regel nicht, ein nennenswertes
Privatvermögen auf die Seite zu legen. Ihr Erspartes wird häufig durch den
Erwerb anderer langlebiger Konsumgüter "aufgefressen“. </span></div>
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Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-49898790556836114412018-01-15T12:41:00.001+01:002018-01-15T13:50:25.629+01:00Mietfrei Wohnen<!--[if !mso]>
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<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2KPYZ6RLU3EeLDzkBYTTnYpqfknEafXlb99dwxgAWgK5RCnPeyGC62cwqxwp2ztlNHT7f1cTSPsGjbB3reOf6wOtTchtSOHPWw9yzRO1KgIy6LamUnDl6XlQkc5MK6ynUvFALCIzFgdzJ/s1600/Gennebrecker.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="811" data-original-width="1600" height="202" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2KPYZ6RLU3EeLDzkBYTTnYpqfknEafXlb99dwxgAWgK5RCnPeyGC62cwqxwp2ztlNHT7f1cTSPsGjbB3reOf6wOtTchtSOHPWw9yzRO1KgIy6LamUnDl6XlQkc5MK6ynUvFALCIzFgdzJ/s400/Gennebrecker.png" width="400" /></a></div>
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<b><span style="font-family: "georgia" , serif; font-size: 11.0pt;"> </span></b></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-family: "georgia" , serif; font-size: 11.0pt;">Mietfrei
Wohnen als Teil der Rente </span></b></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-family: "georgia" , serif; font-size: 11.0pt;">um
30 % günstiger gelöst</span></b></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<br /></div>
<div class="MsoBodyText2">
<span style="font-family: "georgia" , serif; font-size: 11.0pt;">Die
unsichere Rentensituation sowie Mieterhöhungen, lassen den Wunsch nach den
eigenen vier Wänden immer größer werden. Lieber das Geld in die eigene Tasche
zahlen und Wohneigentum kaufen, als ein Leben lang Miete zu zahlen. Mit diesem
Wohneigentum sichert man sich somit auch die spätere Altersvorsorge. Doch nicht
immer muss man diese „vier Wände“ selbst bewohnen. Hier sollte man die drei
sich ergebenden Möglichkeiten beachten.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<u><span style="font-family: "georgia" , serif; font-size: 11.0pt;">1. Möglichkeit::</span></u><span style="font-family: "georgia" , serif; font-size: 11.0pt;"><span style="mso-tab-count: 1;"> </span><b>Ein Leben lang Miete zahlen</b></span></div>
<div class="MsoBodyTextIndent">
<span style="font-family: "georgia" , serif; font-size: 11.0pt;">Mietet
ein Ehepaar eine Wohnung für 400,-- € monatlich, so sind dies über einen
Zeitraum von 30 Jahre gesehen insgesamt 144.000,-- € an Miete. Bedenkt man
jedoch, dass die Mieten durchschnittlich um 4 % steigen, so erkennt man, dass
die Summe, welche man an den Vermieter zahlt dann 278.000,-- € ausmacht und man
besitzt nichts.</span></div>
<div class="MsoBodyTextIndent">
<br /></div>
<div class="MsoBodyTextIndent" style="margin-left: 0cm;">
<u><span style="font-family: "georgia" , serif; font-size: 11.0pt;">2. Möglichkeit:</span></u><span style="font-family: "georgia" , serif; font-size: 11.0pt;"><span style="mso-tab-count: 1;"> </span><b>Die gekaufte Wohnung, die man selbst bewohnt</b></span></div>
<div class="MsoBodyTextIndent" style="text-indent: .6pt;">
<span style="font-family: "georgia" , serif; font-size: 11.0pt;">Hier ist ein Eigenkapital von 10 - 20 %
nötig. Sollte dieses Eigen- kapital noch nicht vorhanden sein, so muss dies
angespart werden. Leider steigen die Kaufpreise der Wohnungen oft schneller als
man in der Lage ist, das nötige Eigenkapital anzusparen.</span></div>
<div class="MsoBodyTextIndent" style="text-indent: .6pt;">
<br /></div>
<div class="MsoBodyTextIndent" style="margin-left: 0cm; text-indent: .6pt;">
<u><span style="font-family: "georgia" , serif; font-size: 11.0pt;">3. Möglichkeit:</span></u><span style="font-family: "georgia" , serif; font-size: 11.0pt;"><span style="mso-tab-count: 1;"> </span><b>Mietfrei wohnen durch eine vermietete Eigentumswohnung</b></span></div>
<div class="MsoBodyTextIndent" style="text-indent: .15pt;">
<span style="font-family: "georgia" , serif; font-size: 11.0pt;">Man selbst bewohnt eine schöne Mietwohnung
und kauft eine Wohnung als Kapitalanlage. Die Steuervorteile, die sich durch
den Kauf dieser Kapitalanlage ergeben und die Mieteinnahmen, decken die
laufenden Aufwendungen für die Finanzierung des Kaufpreises um bis zu 100 %, so
dass eine eigene Sparrate ab 50,-- € monatlich (ohne Eigenkapital) zum
Vermögensaufbau aufgebracht werden muss. Im Laufe der Jahre wird dann die
vermietete Wohnung lastenfrei und die kassierte Miete kann im Rentenalter zum
Ausgleich der eigenen Mietverpflichtung einge-setzt werden.</span></div>
<div class="MsoBodyTextIndent" style="text-indent: .15pt;">
<br /></div>
<div class="MsoBodyTextIndent" style="margin-left: 0cm; text-indent: .15pt;">
<br /></div>
<div class="MsoBodyTextIndent" style="text-align: center; text-indent: -106.05pt;">
<b><span style="font-family: "georgia" , serif; font-size: 11.0pt;">Fazit:</span></b><span style="font-family: "georgia" , serif; font-size: 11.0pt;"><span style="mso-tab-count: 1;"> </span>Durch die Steuervorteile, die Mieteinnahmen
und den Wertzu-wachs, baut sich das eigene „Mietfrei Wohnen“ um bis zu 30 %
günstiger auf.</span></div>
<div class="MsoBodyTextIndent" style="text-indent: -106.05pt;">
<br /></div>
<div class="MsoBodyTextIndent" style="text-indent: -106.05pt;">
<br /></div>
<div class="MsoBodyTextIndent" style="text-align: center; text-indent: -106.05pt;">
<span style="font-family: "georgia" , serif; font-size: 10.0pt;">Weitere
Informationen finden Sie unter <span style="color: windowtext; text-decoration: none; text-underline: none;"> </span></span><br />
<span style="font-family: "georgia" , serif; font-size: 10.0pt;"><a href="http://www.immobilienboerse.com/"><span style="color: windowtext; text-decoration: none; text-underline: none;">www.immobilienboerse.com</span></a>
.</span></div>
<div class="MsoNormal">
<br /></div>
Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-6863966208967055862018-01-11T10:08:00.001+01:002018-02-27T13:25:39.831+01:00Schöner Wohnen zum kleinen Preis! Geht doch! <div class="separator" style="clear: both; text-align: center;">
<iframe allowfullscreen="" class="YOUTUBE-iframe-video" data-thumbnail-src="https://i.ytimg.com/vi/YgvD85FcRRY/0.jpg" frameborder="0" height="266" src="https://www.youtube.com/embed/YgvD85FcRRY?feature=player_embedded" width="320"></iframe> </div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
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<br />
<div align="center" class="separator" style="text-align: center;">
<span style="font-family: "georgia" , serif;">Haben Sie sich schon mit der Idee <b><i>Mietfreiwohnen</i></b>
befasst?</span></div>
<div align="center" class="separator" style="text-align: center;">
<span style="font-family: "georgia" , serif;">Nehmen wir mal an sie nutzen eine moderne 3
Zimmer Wohnung 80qm, da Sie heute in Solingen ca. <b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;">600,-€ Miete</i></b> zahlen.</span></div>
<div align="center" class="separator" style="text-align: center;">
<span style="font-family: "georgia" , serif;">Eine solche Wohnung bekommen Sie heute für
ca. 160.000,-€.</span></div>
<div align="center" class="separator" style="text-align: center;">
<span style="font-family: "georgia" , serif;">Das bedeutet heute bei ca. 15.000,-€ Eigenkapital,
dass Sie für ca. 150.000,-€ Darlehn bei der Bank mtl. </span></div>
<div align="center" class="separator" style="text-align: center;">
<span style="font-family: "georgia" , serif;">ca. <b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;">190,-€</i></b> Zinsen zahlen müssen und nochmals
</span></div>
<div align="center" class="separator" style="text-align: center;">
<span style="font-family: "georgia" , serif;">ca. <b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;">190,-€</i></b> an Tilgung. </span></div>
<div align="center" class="separator" style="text-align: center;">
<span style="font-family: "georgia" , serif;">Also Gesamt keine <b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;">400,- €</i></b></span></div>
<div align="center" class="separator" style="text-align: center;">
<span style="font-family: "georgia" , serif;">Andererseits zahlen Sie Miete und werden
nie Eigentümer!</span></div>
<div align="center" class="separator" style="text-align: center;">
<span style="font-family: "georgia" , serif;">Ihnen gehört auch nach Jahrzehnten nichts. </span></div>
<div align="center" class="separator" style="text-align: center;">
<span style="font-family: "georgia" , serif;">Der Einstieg ist heute besonders günstig
und das Beste! Sie können auch in Ihrer Wohnung bleiben und erst mal die eigene
vermieten, das hat sogar steuerliche Vorteile und Ihre Wohnung zahlt Ihnen quasi
Ihr Mieter ab. </span></div>
<div align="center" class="separator" style="text-align: center;">
<span style="font-family: "georgia" , serif;">Erfahren Sie mehr unter:</span></div>
<div align="center" class="separator" style="text-align: center;">
<span style="font-family: "georgia" , serif;"><a href="http://www.echtewerteschaffen.de/">www.immobilienboerse.com</a></span></div>
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<br />Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-90387843882248290002018-01-09T12:28:00.001+01:002018-01-09T12:33:59.549+01:00Alte Kaufmannsregel<!--[if gte mso 9]><xml>
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<span style="font-family: "Georgia",serif; mso-bidi-font-family: Arial;">Der Faktor <b style="mso-bidi-font-weight: normal;"><i>Liquidität</i></b><i> </i>spielt eine entscheidende Bedeutung beim
Vermögensaufbau. Dabei ist es grundsätzlich egal, ob Sie in Aktien, Immobilien
oder andere Anlagen investieren: </span></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><span style="font-family: "Georgia",serif; mso-bidi-font-family: Arial;">Ohne, ausreichende Liquidität setzen Sie sich einer
Gefahr aus.</span></i></b></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span style="font-family: "Georgia",serif; mso-bidi-font-family: Arial;">Betrachten wir das bezogen auf
Aktieninvestitionen: Angenommen, Sie hätten Ihr gesamtes Vermögen in Aktien
angelegt und lebten nun davon, dass Sie von Zeit zu Zeit einen Teil davon
verkaufen. Was würde geschehen, wenn der Markt einmal kurzfristig in die Knie ginge?
Sie wären - da Sie über keine Liquidität verfügten - gezwungen einen Teil Ihres
Aktienvermögens unter Preis zu verkaufen. Hätten Sie einen ausreichenden Liquiditätsspielraum,
wäre das nicht nötig - dann könnten Sie sorglos darauf warten, dass der Markt
sich wieder erholt.</span></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%;">
<span style="font-family: "Georgia",serif; mso-bidi-font-family: Arial;">Bei Immobilien ist es ähnlich. Sie sind zwar
wertvoll und erwirtschaften durch die Mieten eine Menge Geld, stellen aber erst
dann ein wirkliches Vermögen dar, wenn sie - zumindest zum Teil - entschuldet
sind. Erst dann können Sie beim Verkauf Gewinn erzielen. (Zu dieser Regel gibt
es nur dann eine Ausnahme, wenn Sie enorm günstig eingekauft haben oder teuer
verkaufen können.) Glücklicherweise bewirkt die Marktentwicklung, dass der
Immobilienwert über die Zeit steigt, so dass Sie neben der <i>Entschuldung
aufgrund von Tilgung des Kredits </i>durch den <i>Wertgewinn der Immobilie
selbst </i>einen Vermögenszuwachs zu verzeichnen haben.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span style="font-family: "Georgia",serif; mso-bidi-font-family: Arial;">Wenn Sie zu 100 Prozent
finanzieren, haben Sie zu Anfang keinen Gewinn erwirtschaftet, da der
Immobilienwert und die gesamte Belastung durch den Hypothekenkredit gleich groß
sind. Durch die Tilgung des Kredits senken Sie die Belastung und schaffen
dadurch Gewinn. Gleichzeitig steigt der Immobilienwert. Das tatsächliche
Vermögen entspricht der Differenz zwischen Immobilienwert und Belastung.</span></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span style="font-family: "Georgia",serif; mso-bidi-font-family: Arial;">Um diese Entwicklung zu
garantieren, müssen Sie die Ausgaben - Kreditzinsen und Tilgung - durch die
Einnahmen - Miete und Steuerersparnis - tragen können.</span></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span style="font-family: "Georgia",serif; mso-bidi-font-family: Arial;">Wenn diese Faktoren unter Kontrolle
sind, geht die Investition auf. Und genau das ist es, was <span style="mso-spacerun: yes;"> </span>Sie erreichen wollen. Dieses Prinzip trifft
auf eine einzelne Immobilieninvestition zu, lässt sich aber auch dann anwenden,
wenn Sie nacheinander mehrere Objekte kaufen. Zu Beginn können <span style="mso-spacerun: yes;"> </span>Sie mit 100-prozentiger Finanzierung kaufen.
Aber schon beim zweiten Objekt sollten Sie etwas Eigenkapital einbringen.
Dieses Vorgehen stabilisiert Ihren Vermögensaufbau, da Sie wirkliche Liquidität
aufbauen und nicht nur über Fremdmittel - sprich: Bankkredite - finanzieren.
Das Endziel ist natürlich völlige Bankenfreiheit, die dann erreicht ist, wenn
alle Ihre Objekte vollständig entschuldet sind.</span></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span style="font-family: "Georgia",serif; mso-bidi-font-family: Arial;">Ob man die Liquidität zum Kauf
einer Immobilie hat, kann man ausrechnen. Wenn die Immobilie hochverzinst ist,
verdient sie heute das Geld, das sie an Zinsen kostet. Wir gehen dabei von Immobilien
aus, die mindestens 5 Prozent Nettoverzinsung auch bei Eigentumswohnungen haben.
</span></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span style="font-family: "Georgia",serif; mso-bidi-font-family: Arial;">Doch nicht jeder bewertet seine
Situation nach dem obigen Prinzip und erleidet somit oft Schiffbruch. Jemand
hört, dass man sich mit Immobilien ein Vermögen aufbauen kann, und setzt nun
alles daran, sich innerhalb kürzester Zeit <i>mehrere </i>Objekte zu kaufen,
die er zu 100 Prozent oder höher finanziert. Statt zu entschulden, kauft er
weiter. Damit überzieht er den Bogen. Ein paar Mietausfälle, zusätzliche
Kosten, die nicht eingeplant waren - und schon<span style="mso-spacerun: yes;">
</span>kann er die Kreditraten nicht mehr zahlen. Und das ist der Anfang vom
Ende.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span style="font-family: "Georgia",serif; mso-bidi-font-family: Arial;">Die Immobilie kann wie ein Werkzeug
betrachtet werden, mit dem Sie den Bogen, der den Pfeil in Richtung Ihres
Vermögensziels abschießt, mit Leichtigkeit weiter anspannen können. Dadurch
trifft er das Ziel schneller und mit größerer Sicherheit. Spannt man ihn aber
zu sehr an, bricht der Bogen.</span></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span style="font-family: "Georgia",serif; mso-bidi-font-family: Arial;">Es ist diese wenig solide
Vorgehensweise, die einige besonnene Anleger davon abhält, in Immobilien zu
investieren. In den Zeitungen wird nämlich hauptsächlich von den negativen Beispielen
wie Schneider berichtet. Dabei überwiegen am Immobilienmarkt eindeutig die Gewinner.
Und zu denen können auch Sie gehören, wenn Sie das <i>Entschuldungsprinzip </i>beachten.</span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span style="font-family: "Georgia",serif; mso-bidi-font-family: Arial;">Diese Prinzipien gelten nicht nur
für Einzelpersonen, sondern auch für Unternehmen. Bei letzteren werden zuweilen
aber auch andere, weniger zuverlässige Maßstäbe angesetzt, um ihre
Vermögensentwicklung und Stabilität zu bewerten.</span></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span style="font-family: "Georgia",serif; mso-bidi-font-family: Arial;">Eine der meines Erachtens nach
unsinnigsten Betrachtungen ist zum Beispiel die folgende, die bei der Analyse
von Firmen oft vorgenommen wird: Es werden anhand von Cash-Flow und Gewinn ein
oder zwei Jahre bewertet - mehr nicht. Diese beiden Faktoren sind natürlich wichtige
Indizien, aber letztendlich ist die <i>langfristige Eigenkapitalentwicklung </i>einer
Firma der entscheidende Faktor, nach dem diese bewertet werden sollte. Das
bedeutet: Wenn eine Firma ihr Eigenkapital über fünf oder zehn Jahre
kontinuierlich ausbaut, ist dies ein <i>Sicherheitsgarant</i>. Wenn das
Eigenkapital hingegen kontinuierlich abnimmt, ist dies ein <i>Risikogarant</i>!
Der gleiche Maßstab gilt bei Immobilien. Wenn eine Firma in den ersten Jahren
ihres Bestehens voll finanzierte Immobilien kauft, ist das normal, verständlich
und sinnvoll. Wenn sie aber schon fünf Jahre am Markt aktiv ist und immer noch
voll finanzierte Immobilien kauft, so ist das bedenklich. Wenn sie es nach zehn
Jahren immer noch macht, sollte man das definitiv hinterfragen. Entweder
existieren bereits teilentschuldete Immobilien - oder die Eigenkapitalbildung
hat nicht stattgefunden. Letzteres deutet darauf hin, dass die Firma schwächer
wird.</span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span style="font-family: "Georgia",serif; mso-bidi-font-family: Arial;">Korrekterweise muss also eine <i>kontinuierliche
Entschuldung </i>der vorhandenen Immobilien gegeben sein, nicht nur ein Ausbau
des Geschäftsvolumens und des Gewinns. Das ist heute insbesondere aufgrund der
Steuersituation nicht immer leicht. Aber nur durch </span></div>
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<br /></div>
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<span style="font-family: "Georgia",serif; mso-bidi-font-family: Arial;">Eigenkapitalbildung erlangt man
Stabilität. Schließlich ist es insbesondere Eigenkapital, das man im Fall einer
Krise einsetzen kann. Und Krisen kommen und gehen - das ist normal. Nur wenn
eine Firma in solch einer Krise über ein Sicherheitspolster verfügt, kann sie
überleben. Das ist eine grundlegende Regel, die Herr Schneider und die Neue
Heimat verletzt haben. Und sie gilt natürlich nicht nur für Firmen, sondern
auch für Einzelpersonen.</span></div>
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<span style="font-family: "Georgia",serif; mso-bidi-font-family: Arial;">Falls Sie Frage oder Anmerkungen zum Thema haben, stehen wir gerne jederzeit zur Verfügung!</span></div>
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<span style="font-family: "Georgia",serif; mso-bidi-font-family: Arial;">Ihr Kempe-Team </span></div>
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Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-3613378331490501632018-01-05T10:19:00.000+01:002018-01-09T12:34:12.408+01:00Die große deutsche Tragödie<div class="separator" style="clear: both; text-align: center;">
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<span style="font-family: "georgia" , "times new roman" , serif;">2017 hat der deutsche Immobilieninvestmentmarkt ein sehr starkes Jahr erlebt aber Deutschland hat immer noch die niedrigste Wohneigentumquote in Europa. </span><br />
<span style="font-family: "georgia" , "times new roman" , serif;">Ist vielleicht der Begriff "GERMAN ANGST", den in der englischen Wirtschafts-Sprache gibt, nicht übertrieben? </span><br />
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<span style="font-family: "georgia" , "times new roman" , serif;">"Jetzt kann ich nicht investieren!" sagen viele.</span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;">Im Alter 18 bis 25 denkt man "Ich soll investieren? Machen Sie Witze? Ich bin gerade in der Ausbildung. Sie können von mir nicht erwarten, dass ich jetzt investiere. Ich bin jung und möchte meinen Spaß haben". Dann fängt man zu arbeiten und muss in seine Weiterbildung investieren, um beruflich vorwärts zu kommen. Aber danach kommen die Kinder auf der Welt und als Familienvater hat man mehr Ausgaben als je zuvor und kann ans investieren nicht denken. </span><br />
<span style="font-family: "georgia" , "times new roman" , serif;">Alter zwischen 45 bis 55 wünscht man sich investieren zu können, aber es geht einfach nicht mit zwei studierenden Kindern. Dann vielleicht später, denkt man. Aber je älter man wird, desto schweriger wird es diese Entscheidung zu treffen! Oder es wird einfach mal zu spät! </span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-family: "georgia" , "times new roman" , serif;">Wie sieht es bei Ihnen? Haben Sie schon investiert? Oder haben Sie immer noch Ängste?</span></span></div>
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<br />Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-40519437076774316412018-01-03T11:37:00.002+01:002018-01-03T11:59:48.097+01:00Die 3-Säulen-Philosophie<div class="separator" style="clear: both; text-align: center;">
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="line number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="page number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="endnote reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="endnote text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="table of authorities"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="macro"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="toa heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 5"/>
<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Closing"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
UnhideWhenUsed="true" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
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<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;">Lassen Sie mich Ihnen in diesem
Licht die erste meiner Strategien vorstellen, die gleichsam eine Art
finanzieller Lebensphilosophie darstellt. Eine erfolgreiche Strategie, um sich
stufenweise und in der richtigen Reihenfolge ein Vermögen aufzubauen. Es
handelt sich dabei um die drei Säulen der Vermögensbildung. </span></span></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;">Diese sind: <b style="mso-bidi-font-weight: normal;"><i>Arbeitskraft</i><i style="mso-bidi-font-style: normal;">, <span style="mso-bidi-font-style: italic;">Geldwerte</span>, <span style="mso-bidi-font-style: italic;">Sachwerte</span></i></b>.</span></span></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal">
<br /></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal">
<span style="font-family: Georgia, "Times New Roman", serif;"><b><span style="font-size: 12pt; line-height: 107%;">Die 1. Säule der Vermögensbildung: Ihre
Arbeitskraft</span></b></span></div>
<div class="MsoNormal">
<br /></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;">Der Grundstein für Vermögen liegt
in der Arbeitskraft eines Menschen. Nur dadurch, dass er tagtäglich etwas
leistet, was andere als wertvoll genug betrachten, um es zu entlohnen, erhält
er überhaupt finanzielle Mittel. Es ist die Arbeitskraft, ob geistiger oder
körperlicher Natur, die ihn für jemand anderen wertvoll macht.</span></span></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;">Zuallererst sollten Sie natürlich
daran arbeiten, einen sicheren und gut bezahlten <i>Beruf </i>zu</span></span></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;">erlernen beziehungsweise auch
auszuüben. Bei den sich gegenwärtig in Rekordhöhe befindlichen
Arbeitslosenzahlen sollten Sie zudem eine Portion <i>Flexibilität </i>mitbringen.
Durch kontinuierliche Weiterbildung, Schulung und den Aufstieg auf der
Karriereleiter können Sie daran arbeiten, die erste Säule zu stärken.</span></span></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;"> </span><b><span style="font-size: 12pt;">Die 2. Säule der
Vermögensbildung: Geldwerte</span></b></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;"></span><span style="font-size: 12pt;">Um Vermögen zu erlangen, muss man
unter anderem <i>sparen</i>. Genau darum dreht es sich bei der zweiten Säule.
Sie legen regelmäßig Geld auf die hohe Kante, verstecken es unter der Matratze
oder investieren hier und da ein paar Mark.</span></span>
</div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;">In der Tat sind Sparbücher,
Festgeldanlagen, Wertpapiere, Aktien und</span></span><span style="font-family: Georgia, "Times New Roman", serif;"></span><span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;"> Fonds besser als keine! Selbst wenn
Kapital-Lebensversicherungen oder Sparverträge keine nennenswerten Zinsen
erwirtschaften, sind sie allemal besser als reiner Konsum ohne Sparsamkeit. An
dieser Stelle kommt die <i>Guns-and-Butter-Philosophie </i>ins Spiel.</span></span><span style="font-family: Georgia, "Times New Roman", serif;"></span><span style="font-family: Georgia, "Times New Roman", serif;">
</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><i><span style="font-size: 12pt;">Guns </span></i><span style="font-size: 12pt;">steht für jegliche
Art von Vermögensanlage. </span></span></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><i><span style="font-size: 12pt;">Butter </span></i><span style="font-size: 12pt;">bezieht sich auf
angenehme Luxusgüter.</span></span></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;">Viele Menschen erstehen mit ihrem
Geld nun wenig Guns, aber sehr viel Butter.</span></span></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;">Dies führt dazu, daß sie keinerlei
Vermögen aufbauen und aufgrund der Inflation und anderer</span></span><span style="font-family: Georgia, "Times New Roman", serif;"></span><span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;"> Faktoren bald über zu wenig Geld
verfügen, um sich Butter leisten zu können. Sie stehen also</span></span><span style="font-family: Georgia, "Times New Roman", serif;"></span><span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;"> ohne irgendeine Kaufkraft dar.
Andersherum können diejenigen, die zunächst in Guns investieren und an der
Butter sparen, bald Gewinne erwirtschaften und sich dann ausreichend Butter
leisten.</span></span></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;">Der grundlegende Unterschied
zwischen dem Erwerb von Butter oder Guns liegt eigentlich darin, inwieweit man <b style="mso-bidi-font-weight: normal;">s<i>ich der Zukunft bewusst und bereit ist,
etwas dafür zu unternehmen, dass man</i> <i>auch in Zukunft Geld- und Sachwerte
und somit finanzielle Freiheit besitzt</i>.</b></span></span></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><b style="mso-bidi-font-weight: normal;"><span style="font-size: 12pt;"> </span></b><b><i style="mso-bidi-font-style: normal;"><span style="font-size: 12pt;"> </span></i></b></span><span style="font-family: Georgia, "Times New Roman", serif;"><b><span style="font-size: 12pt;"> </span></b></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><b><span style="font-size: 12pt;">Die 3. Säule der
Vermögensbildung: Sachwerte</span></b></span>
</div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;">Den langfristigen Grundstock für
persönlichen Wohlstand und finanzielle Unabhängigkeit bilden Sachwerte, allen
voran Immobilien. Während die Geldentwertung kontinuierlich voranschreitet,
steigt der Wert von Immobilien stetig.</span></span></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;"></span></span><span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;">Während Geldanlagen kurz-, mittel-
und langfristige Investitionen darstellen, ist die Immobilie eher als mittel-
und langfristige Anlage zu sehen. Selbst wenn man ein Schnäppchen schon wenige
Jahre nach dem Kauf mit gutem Gewinn wieder verkaufen kann, ist dies nicht
unbedingt die Regel. Immobilien entfalten Ihren Wert im Laufe der Jahre, wobei
sie mit ein bisschen Pflege Spitzenrenditen erwirtschaften können.</span></span><span style="font-family: Georgia, "Times New Roman", serif;"></span><span style="font-family: Georgia, "Times New Roman", serif;">
</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><b><span style="font-size: 12pt;">Das Verhältnis der
3 Säulen untereinander</span></b></span></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;">Diese Säulen sind voneinander
abhängig. Wenn beispielsweise die Geldentwertung auf die</span></span></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;">zweite Säule schlägt und die
Kaufkraft des Geldes wie Eis in der Sonne schmelzen lässt, steigt gleichzeitig
die dritte Säule der Sachwerte. In diesem Fall würde die dritte Säule die
zweite sinnvoll ergänzen. Andererseits werden aus der ersten Säule die zwei
anderen aufgebaut. Wenn jemand dies versäumt, sein Geld also wie schon
beschrieben ständig für Konsumgüter ausgibt, ohne seinem Vermögensaufbau die
nötige Beachtung zu schenken, werden ihm irgendwann die Mittel fehlen, wenn er
in größere Ziele investieren möchte.</span></span></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;">Eine weitere wichtige Regel sollten
Sie beherzigen: Wenn Sie die zweite Säule nicht ausreichend etabliert haben,
kommt für Sie die dritte nicht in Frage!</span></span></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;">Die drei Säulen bauen sowohl
zeitlich wie auch in ihrer Rangfolge aufeinander auf. An erster Stelle steht,
wie schon erklärt, der Verdienst durch die Arbeitskraft, gefolgt von Vermögen
durch Geldwertanlagen. Dann erst investiert man in Immobilien. Begehen Sie aber
auch nicht den Fehler, ewig für eine Immobilie zu sparen. Sie würden nur gegen
die Inflation ankämpfen und schließlich auf der Verliererseite enden. Sehen Sie
einfach zu, dass Ihr Job läuft, Sie einen fünfstelligen Betrag zur Seite gelegt
und sich somit Bonität und Liquidität aufgebaut haben, und erwerben Sie dann
Ihre erste Immobilie, beispielsweise eine vermietete Eigentumswohnung. Schon
allein durch diesen Schritt können Sie im Alter mietfrei wohnen.</span></span></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: 12pt;">Der Kernpunkt, der letzten Endes zu
erfolgreichem Vermögensaufbau und finanzieller Freiheit führt, ist die dritte
Säule, die Immobilie. Mit ihr kann man innerhalb eines Lebens leicht Millionär
werden.</span></span></div>
<span style="font-family: Georgia, "Times New Roman", serif;">
</span><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
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<![endif]-->Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-53574859562980127152018-01-02T11:56:00.002+01:002018-01-02T11:57:48.563+01:00Frohes neues Jahr!<div class="separator" style="clear: both; text-align: center;">
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Wir wünschen Ihnen ein frohes, glückliches und gesundes neues Jahr 2018!<br />
Ihr Kempe -Team.<br />
<br />Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-88610697015864543222017-12-22T10:27:00.003+01:002017-12-22T11:11:03.081+01:00Marktanalyse als Grundlage für Erfolg mit Immobilien <div class="separator" style="clear: both; text-align: center;">
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<w:LsdException Locked="false" Priority="46"
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<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
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<w:LsdException Locked="false" Priority="46"
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<w:LsdException Locked="false" Priority="52"
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<w:LsdException Locked="false" Priority="46"
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<w:LsdException Locked="false" Priority="51"
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<w:LsdException Locked="false" Priority="52"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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</w:LatentStyles>
</xml><![endif]--><!--[if gte mso 10]>
<style>
/* Style Definitions */
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mso-tstyle-rowband-size:0;
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mso-para-margin-bottom:8.0pt;
mso-para-margin-left:0cm;
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mso-pagination:widow-orphan;
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<![endif]-->
<br />
<div class="MsoNormal">
<span lang="DE" style="mso-ansi-language: DE;">Wenn Sie einen
Kredit aufnehmen, um eine Immobilie zu kaufen, müssen Sie dafür sorgen, dass
das Objekt, das Sie kaufen, mindestens genauso viel wert ist wie das, was Sie
dafür bezahlen. Dann haben Sie ein Geschäftspotenzial geschaffen, mit dem Sie
arbeiten und an dem Sie verdienen können.</span></div>
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<br /></div>
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<span lang="DE" style="mso-ansi-language: DE;">Wenn Sie für 100
Euro etwas kaufen könnten, das 120 Euro wert ist, würden Sie das machen?</span></div>
<div class="MsoNormal">
<span lang="DE" style="mso-ansi-language: DE;">Bei Immobilien
stellt sich im Grunde die gleiche Frage, wobei die Summen höher sind. Es heißt
dann etwa: Wenn Sie für 100.00 Euro etwas kaufen könnten, das 120.000 Euro wert
ist, würden Sie es kaufen?</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span lang="DE" style="mso-ansi-language: DE;">In Zeiten
drohender Inflation wird von vielen Menschen, die den Verfall ihres
Geldvermögens fürchten, wild in Immobilien investiert, ohne die obige Regel zu
beachten. Sie kaufen Immobilien, was an sich sinnvoll ist, zahlen dafür aber
einen viel zu hohen Preis - was natürlich alles andere als sinnvoll ist. Daher
sollte man sich nie unter Druck setzten lassen - auch nicht von sich selbst -
wenn man eine oder mehrere Immobilien zu kaufen gedenkt. Stattdessen beobachtet
man den Markt, verschiedene Lagen und Objekte und wählt dann aus dem Angebot
aus.</span></div>
<div class="MsoNormal">
<span lang="DE" style="mso-ansi-language: DE;">Die Kunst bei der
Auswahl von Immobilien besteht darin, aus der Fülle der am Markt angebotenen
Immobilien ein Objekt zu finden, das rentabel ist und sich für die Erreichung
der eigenen Ziele eignet.</span></div>
<div class="MsoNormal">
<span lang="DE" style="mso-ansi-language: DE;">Es sind nicht
unbedingt die schönsten Häuser oder die in der besten Lage, die den größten und
sichersten Ertrag bringen. Wobei Ertrag immer im Verhältnis zum Kaufpreis und
damit auch im Verhältnis zu den aufzuwendenen Kreditkosten zu sehen ist.</span></div>
<div class="MsoNormal">
<span lang="DE" style="mso-ansi-language: DE;">Sie müssen die
Lage (Straße, Stadtteil, Stadt), das Objekt selbst (Zustand, Baujahr, Bauweise)
und den Ertragswert (Mieteinnahmen) vieler Immobilien analysieren, um ein
Gefühl dafür zu bekommen, wo der Markt liegt, welche Häuser Schnäppchen sind
und welche nicht. Immobilien kaufen kann jeder. Es ist die Auswahl der
lukrativen Objekte, wo sich der erfolgreiche Profi vom stümperhaften Amateur
unterscheidet.</span></div>
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<span lang="DE" style="mso-ansi-language: DE;">Wichtig ist, dass
Sie eine Immobilie nicht als Prestigeobjekt sehen. Wenn Sie ein reich wie ein
Scheich sind und es sich leisten können, 100 Millionen in den Neubau des
Breidenbacher Hofs an der Düsseldorfer Kö zu investieren, dann spielt Prestige
natürlich eine Rolle. Sie sollten sich dann aber auch darüber im Klaren sein,
dass das Objekt nur eine relativ geringe Rendite abwirft.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span lang="DE" style="mso-ansi-language: DE;">Was Sie brauchen,
sind Immobilien, die Ihnen auf Dauer regelmäßige Einnahmen bescheren, und zwar
mehr Einnahmen als Ausgaben. Mit über 40 Millionen Wohnungen in Deutschland
gibt es genug Auswahl. Wenn man bedenkt, dass in Deutschland rund 60 Prozent
der Bevölkerung zur Miete wohnen (in Nordrheinwestfalen sogar etwa 75 Prozent),
dann sieht man, dass es viele Menschen gibt, die Miete zahlen und daran gewöhnt
sind. Wunderbar! Lassen Sie sie weiterhin Miete zahlen, nur sorgen Sie dafür,
dass sie an Sie zahlen und Sie sich damit ein Vermögen aufbauen können.</span></div>
<br />
<br />
<div class="MsoNormal">
<br /></div>
Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-71462846152637894512017-12-21T15:38:00.001+01:002018-01-08T13:01:13.499+01:00Geld, Investment, Schulden<div class="separator" style="clear: both; text-align: center;">
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 5"/>
<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Closing"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
UnhideWhenUsed="true" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"/>
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</xml><![endif]--><span style="font-family: "georgia" , "times new roman" , serif;"><span lang="DE" style="mso-ansi-language: DE;">Schulden und Geld - das sind zwei
Begriffe, die in hohem Maße miteinander zu tun haben. Geld zu haben scheint das
Gegenteil davon zu sein, Schulden zu haben, was natürlich in den meisten Fällen
korrekt ist. Tatsächlich gibt es zwischen diesen beiden Dingen aber noch einen
anderen Zusammenhang: <b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"> </i></b></span></span><br />
<div style="text-align: center;">
<span style="font-family: "georgia" , "times new roman" , serif;"><span lang="DE" style="mso-ansi-language: DE;"><b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;">Geld wird durch
Schulden geschaffen</i></b>!</span></span></div>
<br />
<span style="font-family: "georgia" , "times new roman" , serif;"><span lang="DE" style="mso-ansi-language: DE;">Schulden in Form von Krediten
kann man grundsätzlich für zwei Dinge aufnehmen: Für Konsum oder Investition.
Leiht man sich Geld, um sich damit einen Fernseher oder eine Reise leisten zu
können, ist das ein <b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;">Konsumkredit</i></b>.
Kauft man sich etwas von Wert, dann handelt es sich um eine <b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;">Investition</i></b>. </span></span><br />
<br />
<span style="font-family: "georgia" , "times new roman" , serif;"><span lang="DE" style="mso-ansi-language: DE;">Von Konsumkrediten rate ich
grundsätzlich ab. Wenn Sie etwas konsumieren möchten, dann erarbeiten Sie sich
das Geld dafür und kaufen es dann. Leihen Sie sich dafür niemals Geld.
Konsumdenken ist, wenn es nicht dem eigenen Einkommen entspricht, negativ und
führt zu Schulden, Geldknappheit und im Extremfall sogar zur privaten
Insolvenz.</span></span><br />
<span style="font-family: "georgia" , "times new roman" , serif;"><span lang="DE" style="mso-ansi-language: DE;">Anders sieht es bei Investitionen
aus, bei denen man unternehmerisches Denken kultiviert Hier können Sie nämlich
- genau wie eine Bank - mit geliehenem Geld Geld verdienen. Und genau das ist
es, was Immobilien so attraktiv macht und das ist der Weg, wie man richtig in
Immobilien investiert. Auf diese Weise können Sie Geld, geliehenes Geld, sinnvoll
einsetzen und damit <b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"> </i></b></span></span><br />
<div style="text-align: center;">
<span style="font-family: "georgia" , "times new roman" , serif;"><span lang="DE" style="mso-ansi-language: DE;"><b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;">Werte, echte Werte
schaffen</i></b></span></span></div>
<br />
<div style="text-align: center;">
<span style="font-family: "georgia" , "times new roman" , serif;"><span lang="DE" style="mso-ansi-language: DE;">Aber wie funktioniert eine
Immobilieninvestition?</span></span></div>
<div style="text-align: center;">
<span style="font-family: "georgia" , "times new roman" , serif;"><span lang="DE" style="mso-ansi-language: DE;">Wie schafft man es, mit
Immobilien möglichst effektiv Geld zu verdienen?</span></span></div>
<div style="text-align: center;">
<span style="font-family: "georgia" , "times new roman" , serif;"><b><i><span lang="DE" style="mso-ansi-language: DE;">Indem man Schulden macht!</span></i></b></span></div>
<span style="font-family: "georgia" , "times new roman" , serif;"><b><i><span lang="DE" style="mso-ansi-language: DE;"> </span></i></b></span><br />
<span style="font-family: "georgia" , "times new roman" , serif;"><span lang="DE" style="mso-ansi-language: DE;">Natürlich hört es sich nicht gut
an, Schulden zu machen. Wer schon einmal einen Mahn- oder gar
Vollstreckungsbescheid erhalten hat oder von einem Gläubiger besucht wurde,
weiß, dass Schulden unangenehm sind. Entsprechend schrecken viele Menschen
davor zurück, einen wie auch immer gearteten Kredit aufzunehmen. Das ist
grundsätzlich zu begrüßen. In bestimmten Fällen - wie beim Investment in
Immobilien - verwehren Sie sich damit allerdings gute Geschäfte. Sie sehen
einen Kredit als Last an, statt ihn als Teil einer unternehmerischen
Investition zu verstehen. Viele Unternehmen leihen sich Geld, um es zu
investieren und schneller wachsen zu können. Sie tun das, um ihre Ziele
schneller zu erreichen und in weniger Zeit mehr Geld zu verdienen.</span></span><br />
<span style="font-family: "georgia" , "times new roman" , serif;"><span lang="DE" style="mso-ansi-language: DE;">Das funktioniert so: Sie erwerben
eine Immobilie und lassen den Kaufpreis, wenn möglich, vollständig von einer
Bank finanzieren. Die Kaufnebenkosten zahlen Sie aus eigener Tasche, da diese
heutzutage kaum eine Bank mitfinanziert. Die monatlichen Zinsen und die Tilgung
decken Sie mit den Mieteinnahmen. Zusätzlich erhalten Sie noch ein paar
Steuervorteile, die aber bei der aktuellen Gesetzeslage kaum ins Gewicht
fallen. Sie sorgen dafür, dass die Immobilie kontinuierlich vermietet ist und
die Mieten fließen. Nach 20 bis 30 Jahren (das variiert abhängig von Zinssatz
und Tilgung) ist der Bankkredit abgezahlt. Sie besitzen dann eine Immobilie,
die Ihnen regelmäßig Geld einbringt (Mieten) und ebenfalls einen Sachwert, den
Sie verkaufen können. Und alles, was Sie letztlich investieren mussten, sind
die Kaufnebenkosten.</span></span><br />
<span style="font-family: "georgia" , "times new roman" , serif;"><br /></span>
<span style="font-family: "georgia" , "times new roman" , serif;"><span lang="DE" style="mso-ansi-language: DE;">Der Trick besteht darin, selbst
mehr durch Mieten einzunehmen als Sie für das geliehene Geld an Zinsen und
Tilgung und zusätzlich für die Instandhaltung der Immobilie zahlen müssen. Dann
verdienen Sie an der Zinsdifferenz, genau gemäß dem oben beschriebenen Prinzip,
nach dem auch Banken arbeiten. Und dafür benötigen Sie nicht einmal eine
Banklizenz. </span></span><br />
<span style="font-family: "georgia" , "times new roman" , serif;"><span lang="DE" style="mso-ansi-language: DE;">Sie müssen eine Finanzierung beim
Kauf von Immobilien unter dem folgenden Gesichtspunkt betrachten: als ein
Mittel, um den Kauf der Immobilie möglich zu machen und dabei die Hebelwirkung
zu erzeugen mit der Sie Ihren Vermögensaufbau beschleunigen können!</span></span><br />
<br />
<div style="text-align: center;">
<span style="font-family: "georgia" , "times new roman" , serif;"><i style="mso-bidi-font-style: normal;"><span lang="DE" style="mso-ansi-language: DE;">Der Kredit ist dabei nur Mittel zum Zweck, zu
einem genau definierten Zweck. Und von diesem Zweck darf man auch nicht
abweichen.</span></i></span><br />
<br />
<div style="text-align: left;">
<span style="font-family: Georgia, "Times New Roman", serif;">Falls Sie Fragen oder Anmerkungen zum Thema haben, stehen wir gerne jederzeit zur Verfügung. </span></div>
<div style="text-align: left;">
<span style="font-family: Georgia, "Times New Roman", serif;">Ihr Kempe-Team</span></div>
</div>
Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-87632661360470630192017-12-20T12:00:00.000+01:002017-12-20T12:02:23.750+01:00Echte Werte schaffen <!--[if gte mso 9]><xml>
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<i><span style="line-height: 150%; mso-bidi-font-size: 10.0pt;"> <b>"Heute kennt man von allem den Preis, von nichts den Wert</b>" (Oscar Wilde)</span></i></div>
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<span style="line-height: 150%; mso-bidi-font-size: 10.0pt;">Es ist wichtig, zwischen dem Preis und dem Wert einer
Sache zu unterscheiden. Manche Dinge haben einen hohen Preis und stellen einen
geringen Wert dar, während es bei anderen umgekehrt ist. Wenn Sie eine Weile
nachdenken, fallen Ihnen bestimmt viele Dinge ein, die Sie - vielleicht in der
Hoffnung, ein gutes Geschäft zu machen oder sich etwas Wertvolles zuzulegen -
gekauft haben, und die sich im Nachhinein als überteuert erwiesen haben.</span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span style="line-height: 150%; mso-bidi-font-size: 10.0pt;">Geld hat einen Wert, aber er kann manipuliert werden.
Und durch die Inflation nimmt er im Laufe der Zeit immer weiter ab. Somit ist
Geld als Zahlungsmittel natürlich wichtig, aber zum Aufbau von Vermögen, von
bleibenden Werten, ungeeignet. Wer also nur auf Geld setzt, wie es Sparer und
auch Rentner tun, wird am Ende zu den Verlierern der aktuellen Entwicklungen
zählen.</span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span style="line-height: 150%; mso-bidi-font-size: 10.0pt;">Tatsächlich sind alle Methoden des Vermögensaufbaus,
die auf Geld bauen, von diesem Problem betroffen. Somit sind Sparbuch,
Bausparvertrag, Kapital-Lebensversicherung und derartige Anlageformen nicht
dazu geeignet, sich echte Werte aufzubauen. Das bedeutet nicht, dass man diese
nicht als Instrumente nutzen kann. Aber man muss sich darüber im Klaren sein,
dass sie ihre Grenzen haben und aufgrund der Inflation nicht wertbeständig sind.
Entsprechend sollte man sich nicht blindlings darauf verlassen, dass einem das
Sparbuch und die Lebensversicherung im Alter das Rentnerdasein finanzieren.</span></div>
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<span style="line-height: 150%; mso-bidi-font-size: 10.0pt;"> </span><span style="line-height: 150%; mso-bidi-font-size: 10.0pt;"> </span>
</div>
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<span style="line-height: 150%; mso-bidi-font-size: 10.0pt;">Wer sich ein wenig mit der Materie auskennt, der weiß,
dass als Lösung für das Problem des Geldwerts Sachwerte empfohlen werden. Das
Prinzip dahinter ist einfach: Statt zuzusehen, wie die Ersparnisse jedes Jahr
durch Inflation an Wert verlieren, investiert man in Sachwerte, die ihren Wert
behalten oder sogar steigern.</span></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span style="line-height: 150%; mso-bidi-font-size: 10.0pt;">Ein Haus ist ein realer Wert, es kann bewohnt und
vermietet werden. Damit stellt es einen physikalischen Wert dar, der beim
Verkauf realisiert werden kann, wirft aber darüber hinaus auch regelmäßig
Ertrag in Form von Miete ab.</span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span style="line-height: 150%; mso-bidi-font-size: 10.0pt;">Natürlich ist Immobilie nicht gleich Immobilie und
selbstverständlich ist auch hier ein gewisses Maß an Manipulation möglich. Wenn
die Flucht in Sachwerte im Gange ist, werden Immobilien oft überteuert
angeboten, was die Rendite mindert. Aber auch in solchen Zeiten kann man mit
dem entsprechenden Know-how gut einkaufen und sich ein Vermögen aus echten
Werten aufbauen.</span></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span style="line-height: 150%; mso-bidi-font-size: 10.0pt;">Die Werte, die man sich mit Immobilien aufbauen kann,
erfordern ein gewisses Maß an Arbeitseinsatz. Zuerst muss man sich mit der
Materie beschäftigen, Informationen sammeln und verarbeiten sowie Erfahrung
sammeln. Dann gilt es, die passenden Immobilien zu finden und zu kaufen. Ist
man Immobilienbesitzer, folgt die Phase der Bewirtschaftung. Wenn man seinen
Grundbesitz selbst - ohne Makler - verkaufen will, ist auch das Arbeit. Aber es
ist Arbeit, die sich lohnt. Wie sagte Aristoteles einst: "<i style="mso-bidi-font-style: normal;">Freude an der Arbeit lässt das Werk
trefflich geraten."</i></span></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span style="line-height: 150%; mso-bidi-font-size: 10.0pt;">Um mit Immobilien echte Werte zu schaffen und sich ein
Vermögen aufzubauen, ist ein gewissen Maß an Arbeit und Hingabe nötig.
Besonders zu Beginn, wenn man in die Materie einsteigt. Mit der Zeit, mit
zunehmendem Immobilienvermögen, wird es immer einfacher. </span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span style="line-height: 150%; mso-bidi-font-size: 10.0pt;">Das aktuelle Finanzsystem mit dem Geldschöpfen durch
Zentralbanken bevorzugt Banken und Politik und benachteiligt die Sparer. Der
klassische Sparer ist der Leidtragende. Er kann aber sein Strategie ändern, den
Gegenwind des Systems in Form von Inflation in Rückenwind verwandeln, zu seinem
Vorteil nutzen und sich damit echte Werte schaffen. Und genau das erreicht er
mit intelligentem Immobilieninvestment.</span></div>
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<br /></div>
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<br /></div>
Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-21674950991873515582017-12-18T12:28:00.004+01:002017-12-18T12:29:10.318+01:00Frohe Weihnachten!<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWOdMPXPXcHx2-NuX3JB3ITkPwF8mzB2ar52fuDHDf4MhU3XkGneUHrr694NtKIGZi6nCtI0n2ubLwvqBBPRbwiRS-t6E6k3dviGvj_vBdW3JsmWgfrzNKjqs9M3xqrXkIO7LoyIpBP-GO/s1600/Weihnachtsgr%25C3%25BC%25C3%259Fe.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1000" data-original-width="1500" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWOdMPXPXcHx2-NuX3JB3ITkPwF8mzB2ar52fuDHDf4MhU3XkGneUHrr694NtKIGZi6nCtI0n2ubLwvqBBPRbwiRS-t6E6k3dviGvj_vBdW3JsmWgfrzNKjqs9M3xqrXkIO7LoyIpBP-GO/s640/Weihnachtsgr%25C3%25BC%25C3%259Fe.jpg" width="640" /></a></div>
<br />Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-82336522235429881312017-07-04T08:32:00.002+02:002017-07-04T08:32:17.519+02:00Das Berg-CarréEin Ort zum wohlfühlen. Informieren Sie sich über unser Neubauprojekt in Solingen, nur wenige Gehminuten zur Solinger Innenstadt und zum Solinger Hofgartencenter.<br />
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<iframe width="320" height="266" class="YOUTUBE-iframe-video" data-thumbnail-src="https://i.ytimg.com/vi/qkr_BBD0_Dc/0.jpg" src="https://www.youtube.com/embed/qkr_BBD0_Dc?feature=player_embedded" frameborder="0" allowfullscreen></iframe></div>
<br />
<br />
Informieren Sie sich zu unserem Projekt und den aktuellen Baufortschiritt unter: <a href="http://berg-carre.de/index.php/das-projekt">berg-carre.de</a> oder rufen Sie einfach an 0211 914 666 - 100<br />
<br />
Mit freundlichen Grüßen<br />
<br />
Ihr KEMPE TeamAnonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-18840625122351050542017-05-19T09:03:00.000+02:002017-05-19T09:03:12.782+02:00Wie wollen Sie Ihr Geld anlegen und vermehren?Sparbuch, Tagesgeld und
Anleihen bringen keine Rendite, Aktien sind spekulativ – die Immobilie
ist die Lösung! www.echteWerteschaffen.de<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<iframe width="320" height="266" class="YOUTUBE-iframe-video" data-thumbnail-src="https://i.ytimg.com/vi/3Oeyt-HGrR8/0.jpg" src="https://www.youtube.com/embed/3Oeyt-HGrR8?feature=player_embedded" frameborder="0" allowfullscreen></iframe></div>
<br />
Wir informieren Sie gerne auch in einem persönlichen Gespräch.<br />
<br />
Bei dieser Gelegenheit möchten wir Sie natürlich auch auf unser "Viral Sketch Contest" hinweisen, senden Sie uns ein Video zu und erhalten Sie 1.000,-€ Preisgeld.<br />
<br />
<a href="https://immobilienboerse.com/index.php/home/aktuell/124-viral-sketch-contest">Informationen - Video</a><br />
<br />
mit freundlichen Grüßen<br />
<br />
Ihr KEMPE TeamAnonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-5380506320065079782017-05-15T12:05:00.000+02:002017-05-15T12:05:03.855+02:00Berg-Carré in Solingen<!--[if gte mso 9]><xml>
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Bezugstermin für das Bergcarré rückt nähe, so heißt es in
dem Zeitungsbericht von Samstag zu unserem Projekt in Solingen.</div>
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<br /></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhdV2k3hmHzHpZ4rHjTnbSjXQXjmn3giIi6LSuPVHwiygH6-1QYMtHZfDDVFwCwt8nM2K7rzgzDuqG3a6YCKbyxE2x4lt4J9pbemaYRYJ-jWqb8qRK0M4f3dER8skshGEmlbRv3j-tG22Qw/s1600/eschweiler5.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhdV2k3hmHzHpZ4rHjTnbSjXQXjmn3giIi6LSuPVHwiygH6-1QYMtHZfDDVFwCwt8nM2K7rzgzDuqG3a6YCKbyxE2x4lt4J9pbemaYRYJ-jWqb8qRK0M4f3dER8skshGEmlbRv3j-tG22Qw/s400/eschweiler5.jpg" width="256" /></a></div>
<br />
<div class="MsoNormal">
Am Samstag den 13.05 feierten wir mit Ihnen trotz schlechter
Wettervorhersagen unser Richtfest in Solingen auf der Bergstraße, dem alten
Gelände der Papierfabrik.</div>
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<br /></div>
<div class="MsoNormal">
Falls Sie nicht teilnehmen konnten schauen Sie sich einen Ausschnitt
vom Richtfest an, für einen persönlichen Termin vor Ort rufen Sie einfach an:
0211 914 666 - 0</div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://www.youtube.com/watch?v=u3ZA2driOqQ&feature=youtu.be">https://www.youtube.com/watch?v=u3ZA2driOqQ&feature=youtu.be</a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<img border="0" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-k3rRRdbzeO19Wye01VtFReWoESPkVSPrVcX7a69xuYs1-iEmOEULaRZ29v7zT7W4oY6lcY52pGK07rh7pk3_tmYbyCcIHSFldSfvi7JBt6-jMwDGSprTh0-S12nmuM4f3L_t7fiz_2i7/s320/Richtfest.png" width="320" /></div>
<br />
<br />
mit freunlichen Grüßen<br />
<br />
Ihr KEMPE TeamP<br />
<br />Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-84753857891213969322017-05-12T13:09:00.000+02:002017-05-12T13:09:48.973+02:00Das Richtfest steht an!Es ist soweit, unser neues Projekt in Solingen-City nähert sich dem Ende zu.<br />
<br />
Feier Sie mit und besuchen Sie uns morgen am 13.05 um 11:00 Uhr auf der Bergstraße zum Richtfest!<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj_GTfZRPe87uJxIK-5G3GodPhwF7AmHV_5Q4MT_tVU6eBmkyygf4hgAzbJnmqfYAg7JJadZfZaH-HznN1C1Fd-QMfnX_fVC4wDvKKWY2fgc3f8kGOGO1zmwUAvXpTSwgSVVEB94Jxhletg/s1600/Richtfest+Samstag+den+13.05.2017+um+11+Uhr.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="480" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj_GTfZRPe87uJxIK-5G3GodPhwF7AmHV_5Q4MT_tVU6eBmkyygf4hgAzbJnmqfYAg7JJadZfZaH-HznN1C1Fd-QMfnX_fVC4wDvKKWY2fgc3f8kGOGO1zmwUAvXpTSwgSVVEB94Jxhletg/s640/Richtfest+Samstag+den+13.05.2017+um+11+Uhr.JPG" width="640" /></a></div>
<br />
<br />
Wir freuen uns auf Ihren Besuch!<br />
<br />
Mit freundlichen Grüßen<br />
<br />
Ihr KEMPE Team<br />
<br />Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-14063327509366221492017-05-11T08:56:00.001+02:002017-05-11T08:56:09.665+02:00Richtfest am 13.05<!--[if gte mso 9]><xml>
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Wir laden Sie ein!</div>
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Nehmen Sie an unserem Richtfest diesen Samstag um 11:00 Uhr teil.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-FTYl3J6FZC2pJqrwhew2V-6n4HrsvFjp1YBVuwubvheuisdO4Rn9GYayrI8dKtktMXJ2P439R6dZDbzH0CapnXlbjWJQLu1OsNYJqXQGxHDxXRdKkrT1MGR_OEX8bYtxpCv4bvUjhcap/s1600/Solingen+Richtfest.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-FTYl3J6FZC2pJqrwhew2V-6n4HrsvFjp1YBVuwubvheuisdO4Rn9GYayrI8dKtktMXJ2P439R6dZDbzH0CapnXlbjWJQLu1OsNYJqXQGxHDxXRdKkrT1MGR_OEX8bYtxpCv4bvUjhcap/s400/Solingen+Richtfest.png" width="293" /></a></div>
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mit freundlichen Grüßen<br />
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Ihr KEMPE Team Anonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-64614091489608348132017-05-04T09:00:00.000+02:002017-05-04T09:00:00.856+02:00Bergcarré lockt mit 22 City-Wohnungenüber diesen Artikel freuen wir uns besonders, am 29.April 2017 erschien der Artikel über unser neues Projekt in Solingen-City im Solinger Tageblatt.<br />
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Wie bereits im Artikel erwähnt steht bereits der Rohbau und wir können am 13.Mai Richtfest feiern, dazu laden wir auch Sie herzleich ein.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaI0a4PuwDgBakbYIKxcqfdR61qOSlsmb44ln-K4E0GeVp0XUGs7BMRwYyS-si9OiDVd8N6hB3C6iygp65LHv01bwgP2HLK6R06kMgMbV4wI0gm12Y0hc8u6VE92mb5EOi4tjAdtaWmfU6/s1600/eschweiler1.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaI0a4PuwDgBakbYIKxcqfdR61qOSlsmb44ln-K4E0GeVp0XUGs7BMRwYyS-si9OiDVd8N6hB3C6iygp65LHv01bwgP2HLK6R06kMgMbV4wI0gm12Y0hc8u6VE92mb5EOi4tjAdtaWmfU6/s640/eschweiler1.jpg" width="444" /></a></div>
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Informationen zum Projekt finden Sie auf unserer Homepage <a href="https://immobilienboerse.com/index.php/home/aktuell/eigentumswohungen-bergcarre">www.immobilienboerse.com</a> oder für ein persönliches Gespräch unter: 0211 914 666 - 0 <br />
<br />mit freundlichen Grüßen<br />
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Ihr KEMPE TeamAnonymoushttp://www.blogger.com/profile/13556730913525945634noreply@blogger.com0tag:blogger.com,1999:blog-7289219782914454688.post-62561965592720535832017-04-20T10:35:00.004+02:002017-04-20T10:35:41.841+02:00<br />
Unser Immobilienforum findet am 05.05.2017 um 19:00 im KEMPE Komfort Hotel Düsseldorf Birkenstraße statt. Um teilzunehmen, reservieren Sie bitte frühzeitig.<br />
Alle weiteren Informationen dazu finden Sie im unteren Flyer.<br />
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Ihr Kempe Team<br />
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