AEVO in the Masterclass (free of charge)

In my Masterclass you will find methods, strategies and hacks about online marketing, search engine optimization, content marketing, Photoshop and much more. Our guide: buying tips. Now there is also the new special for professional trainers. I attended the preparation course, took the theoretical exam and was in the practical exam. What I learned? The preparation course is only half the battle (practice makes perfect) and just like in school, in the end you only need 10% of what you have learned in the exam. You can find all the questions here:

Now in the Masterclass: AEVO 3 – Training specialists.

Becoming a trainer: Fields of activity and preparation for the exam

Here you will find everything you need to know! Get to know the fields of action of the AEVO exam and get practical tips for your final presentation with many examples and videos – all for free! Now in the Lukinski Masterclass:

• AEVO 1 – Check training requirements
• AEVO 2 – Preparing training
• AEVO 3 – Train skilled workers
• AEVO 4 – Completing training
• Presentation – example and concept

AEVO Questions 3 – Training skilled workers

What’s at issue?

• Conditions conducive to learning
• Probationary period
• Learning and work tasks
• Training methods
• Learning difficulties
• Social and personal development
• Determine and evaluate performance

Methods

What training methods do you know?

• Four-step method
• Interrogative method
• Modified question-answering method
• Role play method
• Guidance text method

How do you promote independent thinking and action?

The project method and the guideline text method are particularly suitable for learning independent planning, implementation, control and evaluation.

• Project method and lead text method
• Learning of independent planning, execution, control and evaluation

How can you promote brain-based learning?

The following methods help trainees learn content in a brain-friendly way:

• Examples
• Compare
• Picking up where we left off
• Visualization of contents (e.g. with mind maps)
• Emotionalisation of learning content
• Mnemonics

What does four-step method mean?

The teaching of all contents then takes place through a certain method, e.g. the four-step method.

1. Preparing the trainee – in terms of content and methodology
2. Demonstration of the work action and explanation
3. Imitation by trainee
4. Independent work

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You can now find all the questions from “AEVO 3 – Training skilled workers” here:

Now in the Masterclass: AEVO 3 – Training specialists

AEVO questions: All fields of activity

All fields of activity of the instructor examination at a glance:

• AEVO 1 – Check training requirements
• AEVO 2 – Preparing training
• AEVO 3 – Train skilled workers
• AEVO 4 – Completing training
• Presentation – example and concept

Divorce – selling a house? What you need to consider

A jointly occupied and financed house is usually the focus of a divorce. If neither partner wants or is able to keep the house, in most cases it comes down to a property sale. There are several solutions you can consider and contrast. Most divorcing couples choose to sell the house to a third party, as this method results in the fewest disputes. You part with existing debts together and exclude the need to continue paying off a home loan together.

Is it worth selling the house in the event of a divorce?

Whether you should hold the house for at least a certain period of time or sell it immediately depends on several factors. If you have not been repaying the loan for 10 years, a house sale can lead to financial difficulties and be accompanied by an early repayment penalty to the bank. If you aim to sell the jointly acquired and financed property in the course of a divorce, you should carefully consider whether you can already redeem the loan without an early repayment penalty.

Otherwise, it is possible to find a solvent buyer and sell the house including the existing loan. If the buyer and the bank agree to the assumption of liability, you can also sell your house before the end of the 10-year fixed-interest period and do not have to expect an early repayment penalty.

More on divorce:

Divorce procedure

Among all joint acquisitions, the house stands as the largest asset in your possession. For this reason alone, a jointly acquired property purchased during the marriage period will also be the biggest “bone of contention” when it comes to property division during the divorce process. Learn everything you need to know about the divorce process.

Keep house

For families with children, housekeeping is often high on the agenda in the event of a divorce. In many cases, the partner with whom the children remain stays in the house. So that the children can remain in their familiar environment and are not additionally burdened by the divorce, this option proves to be the best solution. However, the desire to keep the house is of course linked to the respective financial situation and to agreements made. More on the subject of keeping a house.

Separation and house

Separating from your partner is a trauma. To ensure that the decision about your jointly purchased and financed home does not become traumatic, you should definitely opt for professional advice on the various possible solutions. Do you want to keep your home despite separation and pay off your former partner? Or are you interested in selling and would like to achieve realistic proceeds on disposal? More information on the topic of separation and house.

Credit cards – types and uses

The classic credit card got its name from the fact that it granted the customer a loan. Thus, the classic lending of money is only possible with a real credit card. Since a loan always carries risks, you should bear in mind before applying for a classic credit card account that the bank can cancel the account at any time. It is a framework credit, which does not have any notice periods. The will usually make use of this if the customer’s credit rating deteriorates.

The credit is granted as a credit line on the card account. You decide yourself whether you settle the outstanding amount at the billing date in one sum or in monthly instalments. The bank often requires a minimum amount, which is ten or 20 percent of the credit amount used. Alternatively, a minimum payment of ten or 20 euros may be required.

There are so-called black credit cards, which do not have a credit limit. However, these are only issued to customers with a very high income or a very high solvency.

You can increase or reduce the credit limit. Both are possible upon application. You can dispose freely within this limit. This is the advantage of a classic credit card. The limit can be used in full or only in part. Interest is only charged on the amount used and is calculated on a daily basis.

Unlike an instalment loan, the negative balance on the credit card account can be completely cleared at any time in order to save interest. However, you pay for this freedom with an interest rate that is often more than double that of an instalment loan. For this reason, the use of the instalment facility should be weighed up carefully.

Credit cards on credit basis

In addition to the classic credit card, there are other models that, strictly speaking, no longer live up to the name because no credit is granted at all. With these models, however, the credit institutions are accommodating the high acceptance of credit cards. For example, the Girocard or the Maestro card have not yet become established in online retailing. However, most retailers do accept credit cards. If this works on a credit basis, it can also be issued to customers who do not have a high credit rating.

Credit card with link to current account

Many banks offer credit cards that are directly linked to the current account. There are accounts for which a Girocard can be requested as an alternative. Abroad, the Girocard is not known. Within Europe, the Maestro card is used. Modern and young smartphone banks no longer work with the Girocard at all, but only issue credit cards and Maestro cards.

When paying with a credit card linked to the current account, the amount is debited directly. With modern smartphone accounts, this even happens in real time. This means that the amount is immediately reserved in the account. The advantage is that the customer can take advantage of the high acceptance of credit cards and still keep a very good overview of their finances. The credit card’s credit limit is based on the balance on the current account and is constantly updated. Credit cards that are linked to a current account as a means of payment are often issued free of charge.

Prepaid credit cards as an alternative

Prepaid credit cards can only be used as a means of payment if they have been loaded in advance. They are not linked to the current account, but there is a collective account for all customers who have such a credit card with the bank. The transfer must be made to the collective account and assigned to the customer based on the number of his credit card. This can take one or two days. Only then is the credit card ready for use. Another disadvantage is the high fees that have to be paid for the prepaid credit cards. The prepaid credit card should only be applied for if other options are out of the question.

Credit card types with high acceptance in Germany and worldwide

In Germany and Europe, Mastercard and Visa credit cards have a very high acceptance. Mastercard is very often issued in connection with a current account, while Visa is often chosen as a prepaid solution or as a classic credit card.

Those who like to travel to America often, choose American Express or Diners Club. However, both credit cards require a good credit rating. They are usually only issued as a classic credit card linked to a credit account and cost an annual fee, which is not very cheap. Since there are cheaper offers in Europe with Mastercard and Visa, American Express and Diners Club are not so highly frequented in this country. This is also confirmed by the acceptance, which is limited to hotels, restaurants, gas stations and shops that sell high-priced goods.

What are the costs of keeping your home after a divorce?

You need to be aware that you can only keep your house if you can pay off the running costs for your property. Depending on the initial situation, the repayment of the loan can also play an important role and decide whether you can keep your house or whether a sale is the better solution.

We will be happy to advise you on the possibility of both remaining owners of the property despite divorce and to reach clear management and financial agreements. As well as joint ownership, there is of course the option of one partner keeping the house and paying off the other partner. In order to keep track of the costs and avoid the difficulties ahead, you should calculate the permanent costs, as well as any financing and payment costs, and compare them with your income.

Read more about:

• Sell

Problematic partial auction – if only one partner wants to keep the house

A major difficulty arises if one partner wants to keep the house and the other partner wants to sell the property. If you want to sell your share of the house at auction without the consent of the other partner, only a partial auction of your own share is possible. You can make use of this method if you are already divorced and disagree about your jointly purchased house.

In the event of a divorce, you should generally exclude risks and decide to engage our experienced real estate agents. Find a solution together and based on your ideas, so that unnecessary disputes are avoided and you find a satisfactory solution for both parties.

More information about divorce:

Divorce procedure

Among all joint acquisitions, the house stands as the largest asset in your possession. For this reason alone, a jointly acquired property purchased during the marriage period will also be the biggest “bone of contention” when it comes to property division during the divorce process. Learn everything you need to know about the divorce process.

Selling real estate

There are several reasons that make you think about selling a property. Many already own their own house or condo when they inherit their parents’ home and don’t know what to do with the inheritance now. Are you facing this question or have another reason for selling your home? While you can sell privately if you are the sole owner, a house or condo owned by a community of heirs presents greater challenges. All about selling.

Separation and house

Separating from your partner is a trauma. To ensure that the decision about your jointly purchased and financed home does not become traumatic, you should definitely opt for professional advice on the various possible solutions. Do you want to keep your home despite separation and pay off your former partner? Or are you interested in selling and would like to achieve realistic proceeds on disposal? More information on the topic of separation and house.

Spacious area at a glance: The excluded development of the area

• Ensuring fire protection and the visual integrity of properties
• Control over the building distance between properties
• Is unobstructable
• Determination of the distance by boundary measurement
• Marking of the distance by boundary stones

Back to the wiki: Real Estate