The BBC published this great report below about: The school of Mum and Dad. I hope it helps you and your family. Beside that you will find great ressources at my charity webpage www.ics-christian-school-founding.org
It contains thousands of materials for teachers, school founders, principals and for HOMESCHOOLING. Be blessed, your Christian Pälchen
All schools in the UK closed their doors on Friday, and there’s no timetable for when they might re-open.
Parents, who may need to work and juggle childcare, will have to fill the gap.
While no-one expects them to replicate school, there is plenty of online help to stave off boredom.
Will schools provide the resources?
If your school already puts work online, using Google Classroom or similar software, it is likely that this will continue.
Secondary schools generally make more use of this than primaries, and older pupils are more likely to be in the routine of checking it and completing work. They are also more likely to have their own laptops.
Some school are requesting older children follow their existing timetables, with some active lessons, involving Google Hangouts and virtual classrooms, and some passive lessons, where children get on with work independently.
Each school will have its own system: some will continue to post lessons on Google Classroom daily, others less frequently.
Online systems usually allow for children to submit work and have it marked, but again that will depend on individual schools.
What about other resources?
IMAGE COPYRIGHTGETTY IMAGES
image captionClassrooms may be empty but learning can go on, say experts
Lots of schools subscribe to websites such as MathsWatch, which director Ken Smith says is experiencing a surge in activity.
“We have been contacted by more than 100 schools looking to join in the last few days and we have four times the traffic we normally have as there are so many teachers on the site creating homework,” he said.
Parents are asking how they can access it, but currently it is not available to the public.
Mr Smith said he had considered offering it free to schools that have yet to join but has decided that it “would not be fair”.
“If we were to offer it free, it would slow the system down too much,” he said.
The website has already added extra processing power in order to cope with increased demand and is ready to add more as the service surges next week.
Mr Smith, a maths teacher for 34 years, has some simple advice for parents who may not have access to online resources or even laptops or tables.
“Buy a text book, go back to basics.”
Award-winning app SirLinkalot uses animations to teach children clever tricks to improve spelling.
It has the backing of lexicographer Susie Dent and has just announced that for the duration of the coronavirus outbreak it will be available free to parents and schools.
What other free resources are there?
IMAGE COPYRIGHTGETTY IMAGES
image captionThere are tons of learning resources online
Schools are likely to send out recommendations along the lines of these, to an Essex-based parents’ WhatsApp group:
BrainPop – offers animated movies on topics in maths, science and English
Creative Bug – offers craft lessons, from knitting to jewellery-making, drawing and origami
Are there any places that cover the curriculum extensively?
BBC Bitesize offers lots of resources that are clearly divided into subject and age categories, and the broadcaster has promised to offer lots more in the coming days.
YouTube’s Free School offers a range of videos looking at subjects as diverse as the US constitution, coral reefs and the solar system.
Twinkl has just offered free access to its resources for a month and is providing a simple guide for parents to use it.
And the organisation behind the Ted talks has a division called TED-Ed, full of “lessons worth sharing” from teachers around the globe.
Does online learning work?
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image captionThe key will be to establish a routine and make sure there are fun things to do, too
Many educationalists were arguing long before the coronavirus crisis that the school system needed drastic change.
This is a time to put new ways of learning to the test, thinks Andy Salmon, the creator of the SirLinkalot spelling app.
“Online is the way forward. You have to get into the child’s world to inspire them, and that is online.”
But like the school day, it is important to establish a routine, says Sarah Dove, a teacher who works online with children who cannot attend school.
“The key is finding out what works for you as a family, but have a delineation between home life and school. Don’t spend all day in pyjamas. Come together for a mindfulness session rather than an assembly and do topic-based work, too. My daughter and I will do the Egyptians next week.”
It’s not all work…
IMAGE COPYRIGHTGETTY IMAGES
image captionIt is important for kids of all ages to get away from screens and grab some fresh air
Remember that while learning is important, at this time of unprecedented uncertainty, so are family activities, such as having fun and getting out of the house (where appropriate).
The National Trust is making its grounds free to visit so that families can get fresh air, while there are plenty of virtual tours of museums, such as those offered by Google Arts and Culture.
“Play board games, learn an instrument, bake together and let children use apps like Zoom or Skype so they can stay in touch with their friends,” advises Ms Dove.
Netflix or other streaming services can be used innovatively, by watching the old movies you loved from your childhood.
Encourage reading – World Book Online has just made their collection of 3,000 ebooks and audiobooks available for free for children to access at home.
Most importantly, keep talking, especially about the future and how much you will all appreciate normal life when it resumes.
Try out these six relaxation activities to do with children, which was developed by Save the Children.
Help children better understand the outbreak by using this brief, created by the National Child Traumatic Stress Network. It lays out how to help children of various ages, including pre-school aged children, ages 6-12, and ages 13-18.
LEARN MORE ABOUT MENTAL HEALTH & COVID-19
Consider the mental health and psychosocial effects of the COVID-19 outbreak and access resources on supporting those most at-risk. The WHO has released a briefing on how to protect our mental health during this challenging time, particularly the mental health of those most at-risk: health workers, the elderly, and those with pre-existing conditions.
Know who to call for help. Child Helpline International is a worldwide network of 173 helplines across the world. On their website, you can search for the helpline in your country and call to raise child protection issues with national authorities. More helpline numbers can be found on this page, created by the International Centre for Missing & Exploited Children.
Access resourcesfor survivors of domestic abuse through Futures Without Violence‘s resource page, which contains the numbers of helpline, hotlines and other information.
Speak to a crisis counsellor within the US, Canada and the UK. The Crisis Text Line is available to help individuals dealing with the COVID-19 outbreak, providing free 24/7 support to those who need it.
If you or a loved one has a disability, use this resource to plan for your individual needs during COVID-19. This platform was created by the Queenslanders with Disabilities Network in collaboration with the University of Sydney and the Queensland Government.
Use technology to communicate with survivors through these tips from the National Network to End Domestic Violence.
Protect children in alternative care settings. The Alliance for Child Protection in Humanitarian Action has released a new Technical Note to support child protection practitioners and government officials in their immediate response to the child protection concerns faced by children who are at risk of separation or in alternative care during COVID-19 pandemic, along with one centred on children in detention centres.
ONLINE
Australia’s eSafety Commissioner has developed a series of resources and tools to keep children safe online during COVID-19 isolation. Visit their website for online safety kits, tips for caregivers, and more, including a guide for parents across the world. You can also read this article from Australia’s eSafety Commissioner, which provides guidance on protecting children from online threats during the COVID-19 outbreak.
Want to expand your knowledge of digital literacy? Check out these resources, which were collated and in part, produced, by the Council of Europe. On their website, you can find information about controlling children’s screen time, finding quality digital content for children, and how to spot the signs of online violence.
Download these parent helpsheets from Thinkuknow, which provide information on how to protect primary- and secondary-aged children from online violence.
Understand your role as a mandatory reporter by using this brief on children’s online safety, which was created by International Centre for Missing & Exploited Children.
Europol has created a resource centre for information, tools and materials for keeping children safe online. Access the resources here.
Make virtual school safer for your children by reading this short information packet from the International Centre for Missing & Exploited Children.
HUMANITARIAN SETTINGS
Check out a collection of tools and resources from the Child Protection Resource Menu for COVID-19, which was created by the Child Protection Area of Responsibility. This toolkit includes dozens of resources, documents and evidence to help responders protect children while dealing with the outbreak.
Strengthen your response amidst the outbreak. The COVID-19 Learning Pathway, which was created by Save the Children, aims to enable humanitarians, including local responders, to be best equipped to respond to the global pandemic. This resource will help strengthen online technical capacity strengthening programmes, build online soft skills and remote working capacity strengthening programmes, and more.
Access resources through the Child Protection Hub. The Child Protection Hub for South-East Europe has created a platform to house resources for humanitarian actors working amidst the COVID-19 crisis. View this platform for webinars, guidance, and technical tips to protect children.
Read this report from the Center for Global Development, which explores the way pandemics often result in an increase in violence against women and children. This paper can be used by researchers, practitioners, and policymakers to help inform further evidence generation and policy action while situating violence against women and children within the broader need for intersectional gender- and feminist-informed pandemic response.
Identify and mitigate gender-based violence risks within the COVID-19 response by reading this brief, which was produced by the Gender-Based Violence Area of Responsibility (GBV AoR). This document is intended to support non-GBV specialist humanitarian actors to identify COVID-19, GBV-specific risks in their sectors, and take actions to mitigate those risks.
Navigate gender-based violence in humanitarian settings amidst the outbreak. The GBV AoR’s Regional Emergency GBV advisor team is leading a six-week webinar, available in both English and French, to provide technical support to practitioners during the COVID-19 outbreak. This webinar series will focus on the impact of the virus on women and girls, with a focus on GBV risks in east and southern Africa. Visit their website for more resources.
Understand the gendered implications of COVID-19 through this brief, which was developed by CARE International.
Learn how COVID-19 has uniquely affected women in Asia through this brief, which was published by GiHA.
Learn about the emerging gender impacts of the virus by reading this article, published by the Lancet, on the ways COVID-19 is affecting men and women differently from a socio-economic standpoint.
OTHER TRAININGS & RESOURCES
Prevent and control COVID-19 in schools.New guidance has been issued to help protect children from COVID-19 and support safe school operations. The guidance provides critical considerations and practical checklists to keep schools safe, and advises national and local authorities on how to adapt and implement emergency plans for educational facilities.
The International Disability Alliance (IDA), an alliance of 14 global and regional organizations of persons with disabilities, has published key recommendations for a disability-inclusive COVID-19 response.
Support children as a faith leader. Arigatou International has published resources for faith leaders to help children, both spiritually and emotionally, through this challenging time. Access them here.
Boost preparedness within the United Nations system. To assist UN country teams in scaling-up preparedness and response to COVID-19, the WHO released a COVID-19 Strategic Preparedness and Response Plan to guide responses within countries.
Access real-time training to respond to the COVID-19 outbreak. The WHO has released a multitude of training courses to prepare medical professionals and other practitioners to respond to the outbreak.
Access the Coronavirus Tech Handbook, a crowdsourced resource for technologists. This platform, which was created by the London College of Political Technologists, it features everything from tips for remote working to tools for data visualisation and fighting misinformation.
Below is our list of twelve medical experts whose opinions on the Coronavirus outbreak contradict the official narratives of the MSM, and the memes so prevalent on social media.
* * *
Dr Sucharit Bhakdi is a specialist in microbiology. He was a professor at the Johannes Gutenberg University in Mainz and head of the Institute for Medical Microbiology and Hygiene and one of the most cited research scientists in German history.
What he says:
We are afraid that 1 million infections with the new virus will lead to 30 deaths per day over the next 100 days. But we do not realise that 20, 30, 40 or 100 patients positive for normal coronaviruses are already dying every day.
[The government’s anti-COVID19 measures] are grotesque, absurd and very dangerous […] The life expectancy of millions is being shortened. The horrifying impact on the world economy threatens the existence of countless people. The consequences on medical care are profound. Already services to patients in need are reduced, operations cancelled, practices empty, hospital personnel dwindling. All this will impact profoundly on our whole society.
All these measures are leading to self-destruction and collective suicide based on nothing but a spook.
*
Dr Wolfgang Wodarg is a German physician specialising in Pulmonology, politician and former chairman of the Parliamentary Assembly of the Council of Europe. In 2009 he called for an inquiry into alleged conflicts of interest surrounding the EU response to the Swine Flu pandemic.
What he says:
Politicians are being courted by scientists…scientists who want to be important to get money for their institutions. Scientists who just swim along in the mainstream and want their part of it […] And what is missing right now is a rational way of looking at things.
We should be asking questions like “How did you find out this virus was dangerous?”, “How was it before?”, “Didn’t we have the same thing last year?”, “Is it even something new?”
That’s missing.
*
Dr Joel Kettner s professor of Community Health Sciences and Surgery at Manitoba University, former Chief Public Health Officer for Manitoba province and Medical Director of the International Centre for Infectious Diseases.
I have never seen anything like this, anything anywhere near like this. I’m not talking about the pandemic, because I’ve seen 30 of them, one every year. It is called influenza. And other respiratory illness viruses, we don’t always know what they are. But I’ve never seen this reaction, and I’m trying to understand why.
[…]
I worry about the message to the public, about the fear of coming into contact with people, being in the same space as people, shaking their hands, having meetings with people. I worry about many, many consequences related to that.
[…]
In Hubei, in the province of Hubei, where there has been the most cases and deaths by far, the actual number of cases reported is 1 per 1000 people and the actual rate of deaths reported is 1 per 20,000. So maybe that would help to put things into perspective.
Dr John Ioannidis Professor of Medicine, of Health Research and Policy and of Biomedical Data Science, at Stanford University School of Medicine and a Professor of Statistics at Stanford University School of Humanities and Sciences. He is director of the Stanford Prevention Research Center, and co-director of the Meta-Research Innovation Center at Stanford (METRICS).
He is also the editor-in-chief of the European Journal of Clinical Investigation. He was chairman at the Department of Hygiene and Epidemiology, University of Ioannina School of Medicine as well as adjunct professor at Tufts University School of Medicine.
As a physician, scientist and author he has made contributions to evidence-based medicine, epidemiology, data science and clinical research. In addition, he pioneered the field of meta-research. He has shown that much of the published research does not meet good scientific standards of evidence.
Patients who have been tested for SARS-CoV-2 are disproportionately those with severe symptoms and bad outcomes. As most health systems have limited testing capacity, selection bias may even worsen in the near future.
The one situation where an entire, closed population was tested was the Diamond Princess cruise ship and its quarantine passengers. The case fatality rate there was 1.0%, but this was a largely elderly population, in which the death rate from Covid-19 is much higher.
[…]
Could the Covid-19 case fatality rate be that low? No, some say, pointing to the high rate in elderly people. However, even some so-called mild or common-cold-type coronaviruses that have been known for decades can have case fatality rates as high as 8% when they infect elderly people in nursing homes.
[…]
If we had not known about a new virus out there, and had not checked individuals with PCR tests, the number of total deaths due to “influenza-like illness” would not seem unusual this year. At most, we might have casually noted that flu this season seems to be a bit worse than average.
– “A fiasco in the making? As the coronavirus pandemic takes hold, we are making decisions without reliable data”, Stat News, 17th March 2020
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Dr Yoram Lass is an Israeli physician, politician and former Director General of the Health Ministry. He also worked as Associate Dean of the Tel Aviv University Medical School and during the 1980s presented the science-based television show Tatzpit.
Italy is known for its enormous morbidity in respiratory problems, more than three times any other European country. In the US about 40,000 people die in a regular flu season and so far 40-50 people have died of the coronavirus, most of them in a nursing home in Kirkland, Washington.
[…]
In every country, more people die from regular flu compared with those who die from the coronavirus.
[…]
…there is a very good example that we all forget: the swine flu in 2009. That was a virus that reached the world from Mexico and until today there is no vaccination against it. But what? At that time there was no Facebook or there maybe was but it was still in its infancy. The coronavirus, in contrast, is a virus with public relations.
Whoever thinks that governments end viruses is wrong.
– Interview in Globes, March 22nd 2020
*
Dr Pietro Vernazza is a Swiss physician specialising Infectious Diseases at the Cantonal Hospital St. Gallen and Professor of Health Policy.
What he says:
We have reliable figures from Italy and a work by epidemiologists, which has been published in the renowned science journal ‹Science›, which examined the spread in China. This makes it clear that around 85 percent of all infections have occurred without anyone noticing the infection. 90 percent of the deceased patients are verifiably over 70 years old, 50 percent over 80 years.
[…]
In Italy, one in ten people diagnosed die, according to the findings of the Science publication, that is statistically one of every 1,000 people infected. Each individual case is tragic, but often – similar to the flu season – it affects people who are at the end of their lives.
[…]
If we close the schools, we will prevent the children from quickly becoming immune.
[…]
We should better integrate the scientific facts into the political decisions.
– Interview in St. Galler Tagblatt, 22nd March 2020
*
Frank Ulrich Montgomery is German radiologist, former President of the German Medical Association and Deputy Chairman of the World Medical Association.
I’m not a fan of lockdown. Anyone who imposes something like this must also say when and how to pick it up again. Since we have to assume that the virus will be with us for a long time, I wonder when we will return to normal? You can’t keep schools and daycare centers closed until the end of the year. Because it will take at least that long until we have a vaccine. Italy has imposed a lockdown and has the opposite effect. They quickly reached their capacity limits, but did not slow down the virus spread within the lockdown.
– Interview in General Anzeiger, 18th March 2020
*
Prof. Hendrik Streeck is a German HIV researcher, epidemiologist and clinical trialist. He is professor of virology, and the director of the Institute of Virology and HIV Research, at Bonn University.
The new pathogen is not that dangerous, it is even less dangerous than Sars-1. The special thing is that Sars-CoV-2 replicates in the upper throat area and is therefore much more infectious because the virus jumps from throat to throat, so to speak. But that is also an advantage: Because Sars-1 replicates in the deep lungs, it is not so infectious, but it definitely gets on the lungs, which makes it more dangerous.
[…]
You also have to take into account that the Sars-CoV-2 deaths in Germany were exclusively old people. In Heinsberg, for example, a 78-year-old man with previous illnesses died of heart failure, and that without Sars-2 lung involvement. Since he was infected, he naturally appears in the Covid 19 statistics. But the question is whether he would not have died anyway, even without Sars-2.
– Interview in Frankfurter Allgemeine, 16th March 2020
*
Dr Yanis Roussel et. al. – A team of researchers from the Institut Hospitalo-universitaire Méditerranée Infection, Marseille and the Institut de Recherche pour le Développement, Assistance Publique-Hôpitaux de Marseille, conducting a peer-reviewed study on Coronavirus mortality for the government of France under the ‘Investments for the Future’ programme.
The problem of SARS-CoV-2 is probably overestimated, as 2.6 million people die of respiratory infections each year compared with less than 4000 deaths for SARS-CoV-2 at the time of writing.
[…]
This study compared the mortality rate of SARS-CoV-2 in OECD countries (1.3%) with the mortality rate of common coronaviruses identified in AP-HM patients (0.8%) from 1 January 2013 to 2 March 2020. Chi-squared test was performed, and the P-value was 0.11 (not significant).
[…]
…it should be noted that systematic studies of other coronaviruses (but not yet for SARS-CoV-2) have found that the percentage of asymptomatic carriers is equal to or even higher than the percentage of symptomatic patients. The same data for SARS-CoV-2 may soon be available, which will further reduce the relative risk associated with this specific pathology.
– “SARS-CoV-2: fear versus data”, International Journal of Antimicrobial Agents, 19th March 2020
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Dr. David Katz is an American physician and founding director of the Yale University Prevention Research Center
I am deeply concerned that the social, economic and public health consequences of this near-total meltdown of normal life — schools and businesses closed, gatherings banned — will be long-lasting and calamitous, possibly graver than the direct toll of the virus itself. The stock market will bounce back in time, but many businesses never will. The unemployment, impoverishment and despair likely to result will be public health scourges of the first order.
– “Is Our Fight Against Coronavirus Worse Than the Disease?”, New York Times 20th March 2020
*
Michael T. Osterholm is regents professor and director of the Center for Infectious Disease Research and Policy at the University of Minnesota.
Consider the effect of shutting down offices, schools, transportation systems, restaurants, hotels, stores, theaters, concert halls, sporting events and other venues indefinitely and leaving all of their workers unemployed and on the public dole. The likely result would be not just a depression but a complete economic breakdown, with countless permanently lost jobs, long before a vaccine is ready or natural immunity takes hold.
[…]
[T]he best alternative will probably entail letting those at low risk for serious disease continue to work, keep business and manufacturing operating, and “run” society, while at the same time advising higher-risk individuals to protect themselves through physical distancing and ramping up our health-care capacity as aggressively as possible. With this battle plan, we could gradually build up immunity without destroying the financial structure on which our lives are based.
– “Facing covid-19 reality: A national lockdown is no cure”, Washington Post 21st March 2020
*
Dr Peter Goetzsche is Professor of Clinical Research Design and Analysis at the University of Copenhagen and founder of the Cochrane Medical Collaboration. He has written several books on corruption in the field of medicine and the power of big pharmaceutical companies.
Our main problem is that no one will ever get in trouble for measures that are too draconian. They will only get in trouble if they do too little. So, our politicians and those working with public health do much more than they should do.
No such draconian measures were applied during the 2009 influenza pandemic, and they obviously cannot be applied every winter, which is all year round, as it is always winter somewhere. We cannot close down the whole world permanently.
Should it turn out that the epidemic wanes before long, there will be a queue of people wanting to take credit for this. And we can be damned sure draconian measures will be applied again next time. But remember the joke about tigers. “Why do you blow the horn?” “To keep the tigers away.” “But there are no tigers here.” “There you see!”
– “Corona: an epidemic of mass panic”, blog post on Deadly Medicines 21st March 2020
*
If you can find any other examples of noteworthy experts deviating from the mainstream narrative, please post them below. As always, this list have been impossible to build without Swiss Propaganda Research. Follow their work and share widely. An indispensable resource.
Some of you are concerned about the economic future, Today I would like to give you some tips as a trained banker, in addition you can download my financial course the ICS Finance manual here at fitforfamily free of charge.
It gives you a lot of practical tips when dealing with money and provides the most important financial knowledge with many examples.
So now to my tips to be prepared for a currency reform if necessary. In general, with all the tips I give you today, it should be noted that it takes at least 1-2 years, if not longer, for a currency reform. Certain phases have to be completed first.
1. Invest heavily in stocks, preferably from the areas of raw materials, food industry, pharmaceuticals, software oligopolists and possibly in the e-gaming industry. Spreads widely in various currency markets such as Swiss, US or European companies. What you should pay attention to here, how to find good stocks, I will briefly cover today.
A few key factors to value a stock:
Price-earnings ratio should be low, Sales development in recent years?, Dividend increases in recent years and regular payment?, Earnings per share, cash reserve?, Book value of the share?, Company patents and how long in the hand of the company?, How wide the company is positioned? Is it a market leader?
Are there products that are always in demand, such as Coca Cola, Water, Food? How innovative is the company? Why did the share price collapse, maybe it wasn’t the fault of the company?
The best thing to do is to regularly expand your portfolio through monthly stock purchases and also take price gains and invest in new opportunities or hold 30 percent cash reserve for very good replacement options, as is now the case in the Corona crisis.
Searches on Google for the abbreviations of the respective aspect such as price-earnings ratio, this would now go too far. Read a lot about a company and monitor your stock companies every few weeks, investing in the long term with the intention of at least 8-10 years.
Checks every few months at the latest whether the company is still good and uses stop loss functions (adjustable at the respective broker, automatic sale at a specific price) in order to counteract very large price drops. In the event of price drops that have nothing to do with the company, stay invested. Generally the money should be “left”, that is why you can sleep well during this time!
With regular savings, the cost average effect comes into play. You benefit from getting more shares in low price phases for e.g., 100 Euros and in higher phases less shares.
On the bottom line, this is positive in the long term for the investor.
The shares increase in value.
Use very good test magazines in your country, to inform yourself which funds are very good for a long time and inexpensively, so also with broker providers and ETFS.
If this is too demanding, I recommend very well tested funds in these segments or stocks such as Berkshire Hathaway. Which own companies like a railway company, invest in hundreds of companies and act very conservatively, long-term orientated.
Not as a speculator but as an inverter. Like you!
2. Try to get rid of your loans and do not accept any for consumer goods in the future. For real estate only if it is a necessary investment or when buying a property with a very high return on equity, long-term financing with a fixed interest rate, special repayment options and in a very good location, with stable population and an environment of e.g. many civil servants, so groups of workers who do not lose their jobs so quickly in a crisis.
Always have a reserve of 10 percent of the purchase price, better 20 percent for unpredictable expenses. Rents should not be too high compared to 10 years ago.
3. 2-3 monthly salaries in cash at home are good.
4. A little gold in 10 gr bars also helps, possibly cigarettes for exchange. But that is a Christian ethical question.
5. Do not keep money in accounts, this is quickly charged with negative interest rates when inflation is high.
6. Use the opportunity of companies like www.Goldmoney.com, where I can get precious metal reserves worldwide at any time and if necessary can also collect the gold myself, but I don’t have to carry it with me, it can also be transferred to foreign accounts.
7. Have food supplies at home for at least 14 days.
8. ETFs are not always the best investment alternatives because they reflect an index like the Dax, but if a company like SAP accounts for 50 percent in the Dax, the ETF also reflects 50 percent SAP and the other 29 companies are much less included, Cluster formation.
9. Foreign currency accounts are helpful.
10. For real estate, make sure that you regularly increase rents when inflation comes, if the state allows it. There is already a rent brake in Germany. Banks can always ask for a new security for a property if the property market should collapse. In the case of a currency reform, there is an extra tax per m2 over decades, which can be 10 percent of the rents (collected in Germany in 1948, spread over 30 years).
Finally, a tip for Germany:
For credit contracts before the June 21st 2016
The CJEU (Case C-66/19) has adopted the so-called “cascade reference”. This can be found as part of the cancellation policy in most mortgage loans and motor vehicle loans that were concluded from June 2010. It reads: “The period begins after the contract has been concluded, but only after the borrower has received all the mandatory information pursuant to Section 492 (2) of the German Civil Code (e.g. information on the type of loan, information on the net loan amount, information on the contract term).” A customer can revoke a loan years after it is taken out.
Please, ask your lawyer to proof your contract. After his OK, ask a bank to give you a new credit offer (binding!!, otherwise the bank accepts your request and you can not pay off the remaining debt) than ask your lawyer to get in contact with your bank.
You can save thousands of Euros, what a blessing!!!
Good luck in implementing the tips.
Shalom, your Christian Pälchen
In German:
Einige von euch machen sich Gedanken über die wirtschaftliche Zukunft und eine evtl. Währungsreform. Heute möchte ich euch als gelernter Banker hierzu Tipps geben, darüber hinaus findet ihr meinen Finanzkurs das ICS Finance Manual hier bei fitforfamily kostenlos zum Dowload.
Es gibt euch sehr viele praktische Tipps im Umgang mit Geld und vermittelt das wichtigste Finanzwissen mit vielen Beispielen. So, nun zu meinen Tipps, um auch für eine Währungsreform ggf. vorbereitet zu sein. Generell ist bei allem was ich euch heute an Tipps gebe zu beachten, dass es bis zu einer Wärungsreform mindestens 1-2 Jahre dauert, wenn nicht länger. Bestimmte Phasen müssen erst durchlaufen werden.
1. Investiert breit in Aktien, am Besten aus den Bereichen der Rohstoffe, Nahrungsmittelindustrie, Pharmazie, Software Oligopolisten und evtl. in die E-Gaming Industrie. Investiert breit gestreut in verschiedenen Währungensmärkten wie der Schweiz, USA oder europäische Unternehmen. Worauf hier zu achten ist, wie man gute Aktien findet werde ich heute kurz behandeln.
Ein paar Key Faktoren um eine Aktie zu bewerten:
Das Kurs Gewinn-Verhältnis sollte niedrig sein, Umsatzentwicklung in den letzten Jahren, Dividendenerhöhungen in den letzten Jahren und regelmässige Zahlung dieser, Gewinn pro Aktie, Bargeldreserve des Unternehmens, Buchwert der Aktie, Patente des Unternehmens und wie lange in der Hand des Unternehmens?, Wie breit ist das Unternehmen aufgestellt?, Ist es ein Marktführer?
Sind es Produkte die immer nachgefragt werden, wie z.B. Coca Cola, Wasser , Lebensmittel allgemein? Wie innovativ ist das Unternehmen?, Warum ist der Aktienkurs gerade eingebrochen, lag es evtl. nicht am Unternehmen?
Am Besten man baut regelmässig durch monatliche Aktienkäufe sein Depot aus und nimmt auch Kursgewinne mit und reinvestiert in neue Chancen bzw. hält 30 Prozent Cashreserve für sehr gute Nachkaufoptionen bereit, wie jetzt in der Corona Krise.
Sucht über Google nach den Abkürzungen der jeweiligen Aspekte wie Kurs-Gewinnverhältnis, dies würde jetzt zu weit führen.
Lest viel über ein Unternehmen und beobachtet alle paar Wochen eure Akienunternehmen, investiert mit der Absicht langfristig die Aktie, sprich 8-10 Jahre mindestens zu halten.
Überprüft aber alle paar Monate spätestens, ob das Unternehmen noch gut ist und nutzt Stop loss Funktionen (Einstellbar beim jeweiligen Broker, automatischer Verkauf bei einem bestimmten Kurs), um sehr große Kursrückgänge entgegenzuwirken, bei Kurseinbrüchen, die nichts mit dem Unternehmen zu tun haben, wie gerade jetzt: am Besten investiert bleiben. Generell sollte das Geld “übrig” sein, sprich, dass man auch in dieser Zeit ruhig schläft!
Beim regelmässigen Sparen kommt der Cost Average Effekt zur Geltung. Man profitiert davon in niedrigen Kursphasen mehr Aktien für z.B., 100 Euro und in höheren Phasen weniger Aktie zu erhalten, unterm Strich ist dies langfristig positiv für den Investor, da die günstigeren Phasen über Jahre die Oberhand haben. Der Aktienindex steigt im Wert.
Nutzt sehr gute Testmagazine in eurem Land, welche Fonds sind sehr gut über eine lange Zeit und kostengünstig, so auch bei Broker Anbietern und ETFS.
Wem dies zu anspruchsvoll ist, dem empfehle ich sehr gut geteste Fonds in diesen Segmenten oder Aktien wie Berkshire Hathaway. Welches selber Unternehmen wie eine Eisenbahngesellschaft besitzen, in hunderten Firma inverstiert sind und sehr konservativ handeln, langfristig.
Eben nicht als Spekulant, sondern als Investor! Wie du und ich!
2. Versucht eure Kredite los zu werden und nimmt in Zukunft keine für Konsumgüter auf. Für Immobilien nur wenn es sich um eine notwendige Investition handelt oder beim Erwerb einer Immobilie mit einer sehr hohen Eigenkapitalrendite, langfristiger Finanzierung mit festem Zinssatz, Sondertilgungsmöglichkeiten und in sehr guter Lage liegend, mit stabilen Einwohnerzahlen und einem Umfeld von z.B. vielen Staatsbediensteten, sprich Arbeitnehmergruppen die in einer Krise nicht so schnell die Arbeit verlieren.
Habt hierbei immer eine Mindestreserve von 10 Prozent des Kaufpreises, besser 20 Prozent für unvorhersehbare Ausgaben. Die Mieten sollten auch im Verhältnis zu vor 10 Jahre nicht zu hoch sein.
3. 2-3 Monatsgehälter in Cash zu Hause sind gut.
4. Etwas Gold in 10 gr Barren hilft ebenfalls, dazu evtl. Zigaretten zum Tausch. Das ist aber eine christliche, ethische Frage.
5. Haltet kein Geld auf Konten, dies wird bei hoher Inflation schnell mit Minuszinsen belegt.
6. Nutzt die Möglichkeit von Firmen wie www.Goldmoney.com, wo ich jederzeit an Edelmetallresreven weltweit ran kann und ggf. das Gold auch selber abholen kann, ich muss es aber nicht mit mir rumtragen, es kann auch auf ausländische Konten überwiesen werden (Der verkaufte Gegenwert).
7. Habt Essensvorräte für mind. 14 Tage zu Hause.
8. ETFs sind nicht immer die besten Anlagealternativen, da sie einen Index wie den Dax wiederspiegeln, aber wenn eine Fima wie SAP theoretisch 50 Prozent im Dax ausmacht, so spiegelt der ETF auch 50 Prozent SAP wieder und die anderen 29 Firmen kommen viel weniger vor, Clusterbildung.
9. Fremdwährungskonten sind hilfreich.
10. Achtet bei Immobilien darauf, dass ihr regelmässig bei einer Inflation die Mieten erhöht, sofern der Staat dies zu lässt. In Deutschland gibt es schon eine Mietpreisbremse. Die Banken können bei einer Immobilie immer eine Nachsicherung verlangen, wenn der Immobilienmarkt einbrechen sollte. Bei einer Währungsreform gibt es über Jahrzehnte verteilt pro m2 eine extra Steuer, dies können mal 10 Prozent der Mieten sein.(In Deutschland 1948 erhoben, über 30 Jahre verteilt).
Zum Schluss noch ein Tipp für Deutschland: Für Kreditverträge die vor dem 21.06.2016 abgeschlossen wurden
Der EuGH (Rechtssache C-66/19) hat sich den sogenannten „Kaskadenverweis“ vorgenommen. Dieser findet sich als Teil der Widerrufsbelehrung in den meisten Baufinanzierungen und Kfz-Krediten, die ab Juni 2010 abgeschlossen worden sind. Er lautet: „Die Frist beginnt nach Abschluss des Vertrags, aber erst, nachdem der Darlehensnehmer alle Pflichtangaben nach § 492 Absatz 2 BGB (z.B. Angabe zur Art des Darlehens, Angabe zum Nettodarlehensbetrag, Angabe zur Vertragslaufzeit) erhalten hat.“
Ein Kunde kann Darlehen Jahre nach Abschluss noch widerrufen.
Das sind evtl. 10 Tausende Euro Zinsvorteile! Was für ein Geschenk!
Lasst euren Vertrag vom Anwalt überprüfen, wenn dieser das OK gibt, holt ein verbindliches !!Kreditangebot ein (sonst geht die Bank darauf ein und ihr könnt nicht die Restschuld begleichen) und danach wendet euch über den Anwalt an eure Bank!
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